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Bank of Baroda Q2 FY27 Earnings Presentation (Performance Analysis, quarter ended 30 September 2026)
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Bank of Baroda Q2 FY27 Earnings Presentation (Performance Analysis, quarter ended 30 September 2026)
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Cover slide of Bank of Baroda's Q2 FY27 (quarter ended 30 September 2026) results presentation, titled 'Performance Analysis Q2FY27', branded for the bank's 119th Foundation Year with the tagline 'Leading with Trust' and 'India's International Bank'.
Centered hero composition: large orange Baroda Sun 'B' logo filled with a photo collage of customers, title text below, foundation-year badge top left and bilingual logo top right
Section divider opening the Key Highlights section.
Warm peach radial-gradient background with the 119th Foundation Year badge top left, the bilingual Bank of Baroda logo top right, and a large orange section title anchored bottom left beside a vertical red accent bar
One-page scorecard. Global deposits ₹17,45,435 crore (+16.4% YoY) and global advances ₹15,12,448 crore (+18.3%), total business ₹32,57,883 crore (+17.2%); international advances +39.7% and organic retail +18.6%. Q2 FY27 NII ₹13,026 crore (+9.0%), non-interest income ₹6,881 crore (+95.8%), operating profit ₹11,430 crore (+50.9%) and net profit ₹6,532 crore (+35.8%), though H1 FY27 net profit is ₹7,810 crore (-16.5%) after a weak Q1 (₹1,278 crore). GNPA 1.78% (-38 bps), NNPA 0.37%, CRAR 16.61%. Side charts: NIM 2.74%, RoA 1.26%, RoE 19.28% for the quarter.
Split layout: two stacked orange-header data tables (Business Details and Financial Performance, INR crore) on the left; a 2x2 grid of bar charts (NIM, Net Profit, RoA, RoE across Q2FY26, Q1FY27, Q2FY27, FY26, H1FY27) on the right
Section divider opening the Financial Performance section.
Warm peach radial-gradient background with the 119th Foundation Year badge top left, the bilingual Bank of Baroda logo top right, and a large orange section title anchored bottom left beside a vertical red accent bar
Cost of deposits, yield on advances and NIM split by domestic, international and global book. Global cost of deposits 4.71% in Q2 FY27 (4.91% a year earlier), global yield on advances 7.41% (7.81%), global NIM 2.74% (2.96%). Domestic NIM 2.89% and international NIM 1.49%, both down year on year.
3x3 grid of small bar charts: three columns (Cost of Deposits, Yield on Advances, Net Interest Margin) by three rows (Domestic, International, Global), each with five periods
Income statement build-up. Total interest income ₹35,085 crore (+11.3%) against interest expense ₹22,059 crore (+12.8%), giving NII of ₹13,026 crore (+9.0%). Treasury income jumped to ₹4,093 crore from ₹1,086 crore, lifting non-interest income to ₹6,881 crore and operating income to ₹19,907 crore (+28.7%). Opex ₹8,477 crore (+7.4%); operating profit ₹11,430 crore (+50.9%); cost-to-income ratio fell 844 bps to 42.58%. H1 FY27 operating profit ₹19,557 crore (+23.7%).
Full-width financial table with quarterly columns (Q2 FY26, Q1 FY27, Q2 FY27, YoY) and half-year columns (H1 FY26, H1 FY27, YoY) separated by a red divider; subtotal rows highlighted in orange italics
Breakdown of other income. Fee-based income fell 8.5% to ₹1,637 crore (commission/exchange/brokerage ₹756 crore). Treasury income of ₹4,093 crore came from trading gains of ₹1,824 crore, investment revaluation of ₹1,907 crore and FX profit of ₹362 crore. Recovery from technically written-off accounts was ₹729 crore (+47.9%). Total non-interest income ₹6,881 crore (+95.8%); H1 ₹10,351 crore (+26.4%).
Same quarterly + half-year table format as the operating performance slide, with Fee, Treasury and Other Non-Interest Income subtotals in orange
Opex detail. Employee cost ₹4,583 crore (+12.8%), including salaries of ₹3,698 crore and employee provisions of ₹885 crore. Other operating expenses ₹3,894 crore (+1.6%), with law charges down 58.6% and insurance down 28.6%. Total operating expenses ₹8,477 crore (+7.4%); H1 ₹16,345 crore (+3.7%).
Quarterly + half-year cost table with employee and other-opex subtotals highlighted
From operating profit to net profit. Total provisions were ₹2,382 crore in Q2 FY27 compared with ₹6,323 crore in Q1 FY27, when 'other provisions' of ₹5,670 crore hit the quarter. NPA provisions ₹1,935 crore. PBT ₹9,048 crore (+42.6%), tax ₹2,517 crore, net profit ₹6,532 crore (+35.8%). H1 FY27 PBT ₹10,852 crore (-14.0%) and net profit ₹7,810 crore (-16.5%).
Quarterly + half-year table walking operating profit through provisions and tax to net profit
Section divider opening the Business Performance section.
Warm peach radial-gradient background with the 119th Foundation Year badge top left, the bilingual Bank of Baroda logo top right, and a large orange section title anchored bottom left beside a vertical red accent bar
Deposit mix. Domestic deposits ₹14,83,521 crore (+16.6%), international ₹2,61,915 crore (+14.9%), total ₹17,45,435 crore (+16.4%; +6.8% QoQ). Domestic CASA ₹5,39,515 crore (+10.4%) but the CASA ratio slipped 205 bps to 36.37%. Term deposits rose 20.5% to ₹9,44,006 crore, helped by FCNR(B) deposits of ₹1,02,562 crore, of which the BOB Legend FCNR(B) scheme was ₹77,270 crore. Pie charts: term deposits 64% of the domestic mix vs 62% a year earlier.
Deposit table with YoY (Sep'25 vs Sep'26) and QoQ (Jun'26 vs Sep'26) blocks on the left; two 3D pie charts of domestic deposit mix for Sep'26 and Sep'25 on the right; footnotes on bulk deposit definition and BOB Legend
Loan book by segment. Organic retail ₹3,24,040 crore (+18.6%): home ₹1,59,255 crore (+14.6%), auto ₹63,324 crore (+27.8%), retail gold ₹13,693 crore (+66.6%). Agriculture ₹2,01,946 crore (+19.0%), including agri gold loans of ₹91,609 crore (+36.4%). MSME ₹1,75,207 crore (+21.3%), corporate ₹4,25,736 crore (+6.3%). Gross domestic advances ₹11,87,944 crore (+13.5%); international ₹3,24,504 crore (+39.7%, including ₹60,527 crore of self-leverage on BOB Legend FCNR(B) deposits). The RAM (retail, agri, MSME) share rose to 64.2% from 61.7%.
Advances table with YoY and QoQ blocks on the left; two 3D pie charts of the gross domestic credit mix (Sep'26 vs Sep'25) with RAM share callouts on the right
Domestic exposure by industry. Infrastructure ₹1,06,696 crore (9.0% of gross domestic advances, down from 10.9%), of which power ₹73,241 crore and roads & ports ₹16,163 crore. NBFC exposure ₹1,50,092 crore (12.6%), retail loans 28.6%, agriculture 17.0%. Rating profile of domestic advances above ₹50 crore: 97% rated A and above, compared with 95% a year earlier.
Industry exposure table (Sep'25 vs Sep'26 outstanding and share) on the left; stacked 100% bar chart of the external rating profile on the right
NBFC book quality. Standard NBFC exposure ₹1,50,092 crore at Sep'26, with 69.94% rated AAA and 26.40% AA; BB & below only 0.02%. By ownership: 44% backed by large private institutions, 29% central & state PSUs, 14% PSU-backed, 13% private others.
Stacked bar chart of the NBFC portfolio by ownership (Jun'26 vs Sep'26) on the left; rating distribution table on the right
Investment book. Domestic investments ₹4,34,634 crore, of which SLR ₹3,66,534 crore; HTM ₹3,23,103 crore, AFS ₹61,032 crore, FVTPL ₹44,811 crore. The domestic book is 74% HTM, 14% AFS, 10% FVTPL and 2% subsidiaries/JVs/RRBs. SLR investments are 26% of NDTL. Modified duration rose to 4.71 years overall (HTM 4.82). Global yield on investment 6.87%.
Investment table on the left; two bullet notes plus Modified Duration and Yield on Investment mini-tables on the right
Inclusion metrics. Financial inclusion accounts reached 748 lakh with balances of ₹49,744 crore (average ₹6,651 per account); zero-balance accounts are 4.85%. Among public-sector banks, BOB's PMJDY market share is 14.79% of accounts and 17.17% of deposits. Business-correspondent transactions reached 1,002 lakh in the quarter, worth ₹35,241 crore. In Q2 FY27, 89 FLC centres held 2,289 camps for 96,095 people, and 69 RSETIs trained 16,369 youth.
Dashboard of six bar charts in a grid: FI accounts, FI balances, BC transaction value and count, zero-balance share and PMJDY market share, with a note on financial literacy activity
Regulatory lending norms and government schemes. Priority sector 42.58% of ANBC (norm 40%), agriculture 18.33% (18%), small & marginal farmers 11.63% (10%), weaker sections 14.72% (12%), micro enterprises 10.25% (7.5%). Agri gold loans ₹91,609 crore. Scheme data at 30 Sep 2026: PM Surya Ghar 2,38,544 accounts sanctioned (₹4,277 crore); PM Vishwakarma 69,282 accounts (₹601 crore); PM Vidyalaxmi 2,948 accounts (₹357 crore); PM Mudra sanctions ₹5,520 crore in Q2 and ₹10,849 crore in H1.
Large arrow graphic labelled 'Mandated Norms under Priority Sector' pointing at five achievement bullets; agri gold loan bar chart bottom left; scheme tables for PM Vishwakarma, Vidyalaxmi, Surya Ghar and Mudra on the right
Section divider opening the Asset Quality section.
Warm peach radial-gradient background with the 119th Foundation Year badge top left, the bilingual Bank of Baroda logo top right, and a large orange section title anchored bottom left beside a vertical red accent bar
Five-quarter trend. GNPA fell from 2.16% (Q2 FY26) to 1.78% (Q2 FY27) and NNPA from 0.57% to 0.37%. The slippage ratio dropped to 0.69% from 0.91% in Q1 FY27, while credit cost rose to 0.55% from 0.29%.
Two side-by-side combo charts: GNPA line over NNPA bars on the left, slippage ratio line over credit cost bars on the right
NPA roll-forward. Gross NPA opened at ₹28,150 crore; additions of ₹2,847 crore (fresh slippages ₹2,392 crore) were outweighed by reductions of ₹4,101 crore (recovery ₹1,240 crore, upgrades ₹1,015 crore, write-offs ₹1,840 crore), closing at ₹26,897 crore. Net NPA ₹5,520 crore. Total recovery including TWO ₹2,984 crore. Provision coverage 94.65% including TWO and 79.48% excluding TWO.
Roll-forward table with quarterly and half-year columns, ratio rows (slippage, credit cost, GNPA, NNPA, PCR) at the bottom
NPA stock by sector and industry. Domestic NPAs ₹23,989 crore: agriculture ₹9,128 crore, MSME ₹9,107 crore, retail ₹5,613 crore, corporate just ₹38 crore. International NPAs ₹2,908 crore; global ₹26,897 crore. Industry NPAs are small: food processing ₹517 crore, textiles ₹453 crore, basic metals ₹317 crore, infrastructure ₹19 crore.
Two side-by-side tables: Sector-wise NPA and Industry-wise NPA, each for Q2 FY26, Q1 FY27 and Q2 FY27
Fresh slippages by sector. Domestic slippages ₹2,382 crore in Q2 FY27 (MSME ₹839 crore, agriculture ₹840 crore, retail ₹676 crore, corporate ₹5 crore); global ₹2,392 crore. Retail GNPA (ex-pool): housing 0.93%, auto 1.60%, personal loans 4.88%, retail gold 0.44%. CRILC SMA-1 and SMA-2 fell to 0.06% of standard advances from 0.39% a year earlier. Collection efficiency (excluding agriculture) 99.22%.
Fresh slippage table on the left with italic retail GNPA note below; CRILC SMA bar chart and collection-efficiency note on the right
Insolvency exposure. Total NCLT exposure is ₹38,145 crore: RBI List 1 ₹2,316 crore, RBI List 2 ₹4,130 crore, accounts filed by BOB ₹3,512 crore and accounts filed by others ₹28,186 crore. Provision coverage is 99-100% across buckets; overall PCR on NCLT accounts is 99.32%.
Two bordered bar charts side by side (exposure in INR crore, provision coverage %), with a one-line PCR statement below
Section divider opening the Capital Adequacy section.
Warm peach radial-gradient background with the 119th Foundation Year badge top left, the bilingual Bank of Baroda logo top right, and a large orange section title anchored bottom left beside a vertical red accent bar
Capital trend. Standalone CRAR is 16.61% at Sep'26 (CET-1 14.20%, AT-1 0.50%, Tier II 1.91%), up from 16.54% a year earlier; consolidated CRAR is 17.01% with CET-1 of 14.65%. Total capital ₹1,70,332 crore standalone and ₹1,80,873 crore consolidated. Quarterly average LCR about 133.6%.
Stacked bar chart of CET-1/AT-1/Tier II across five quarter-ends plus consolidated Sep'26; capital table below
Section divider opening the Sustainability Initiatives section.
Warm peach radial-gradient background with the 119th Foundation Year badge top left, the bilingual Bank of Baroda logo top right, and a large orange section title anchored bottom left beside a vertical red accent bar
'bob earth - Banking for a Greener Planet'. Sustainable lending: an MoU with KfW to refinance solar investments, an MoU with IREDA for renewable co-lending, ₹31,945 crore outstanding to renewable energy projects, schemes for solar pumps and biogas plants, and loans to 3,98,254 SHGs (₹16,206 crore). Green operations: 541 premises on solar power (5.42 MW, about 12,035 tonnes of CO2 avoided), EV charging at 7 premises, IGBC green certification for 7 owned buildings, and a pilot AI electricity-bill platform.
bob earth logo at top; two columns of bullet text under orange headers: Sustainable & Social Loans and Efficiency & Green Initiatives
Governance frameworks: a stakeholder-centric Code of Ethics built on five pillars (We Barodians, Our Customers, Our External Stakeholders, Our Business, Our Communities), version 2.0 launched April 2025, ethics counsellors including women counsellors, a Board-level CSR and Sustainability Committee, and a 'Green Cell' core committee that runs ESG and climate-risk work.
Code of Ethics book photo on the left, four bullets in the middle, a five-pillar circular cycle diagram on the right, two full-width bullets on committees below
Achievements. A carbon calculator launched on Akshay Urja Diwas (20 Aug 2026), a low-carbon building training programme with ASCI and GGGI, and the bobSewa CSR logo. Green deposits of ₹2,704.26 crore mobilised (₹1,934.15 crore outstanding), all deployed in renewable energy. ₹10,000 crore of long-term green infrastructure bonds were issued on 4 March 2026, described as a first for a public-sector bank: 3x oversubscribed on a ₹5,000 crore base, 7.10% cut-off coupon, rated AAA by CARE and ICRA, and about 19.84 lakh tCO2e avoided by the refinanced projects.
Three columns under orange headers (Initiatives, Green Deposits, Green Infrastructure Bonds) with a training photo, a carbon calculator screenshot and the bobSewa logo
ESG strategy and climate-risk metrics. The bank published its BRSR for 2025-26, adopted a Board-approved Sustainable Financing Framework (January 2026), held ₹3,218.33 crore of sovereign green bonds and launched 'bob Green Plug' for public EV charging. Targets: net zero by 2057; a 27.65% cut in Scope 1 & 2 emissions against FY24, beating the 20% FY2027 target early; renewable energy at 38.05% of energy-sector financing against a 40% target for 2027.
Left column of strategy and metrics bullets, centre column of three images (BRSR cover, bob Green Plug logo, Sustainable Financing Framework cover) with arrows, right column of rationale bullets; green footer with the bob Earth webspace link
Employee engagement: National Sports Day events across the country (28-30 August 2026) ending with 'Sundays on Cycle', and the inter-zonal sports and cultural tournament under the 'Baroda Anubhuti' programme. Three events (badminton, table tennis, carrom) have been held so far and five more are planned.
Two columns, each with an italic heading, a paragraph and a large photo (cricket team group shot, badminton match), split by a vertical orange line
Section divider opening the Digital Banking section.
Warm peach radial-gradient background with the 119th Foundation Year badge top left, the bilingual Bank of Baroda logo top right, and a large orange section title anchored bottom left beside a vertical red accent bar
Digital footprint at Sep'26: 932.92 crore digital transactions YTD and 20,231 digital touch points, including 9,549 ATMs, 8,502 self-service passbook printers, 2,084 cash recyclers, 48 digital service outlets, 18 digital banking units and 30 phygital branches. Industry ranks: #2 in UPI remittance, UPI Autopay and debit card issuance, #3 IMPS beneficiary, #5 UPI beneficiary. 97% of transactions are digital; 94% of new SA, 71% of new CA and 96% of new SHG accounts were opened digitally.
Infographic: two headline KPIs at top, then three panels (Digital Infrastructure icon grid, Industry Leadership rank medals, Digital Adoption donut rings)
Digital product showcase: bob World 2.0 (AI, voice banking, personal finance management, hyper-personalisation), bob World Lite on feature phones with Jio (billed as an industry first), bob ₹ Pay credit line on UPI (pre-sanctioned limits, merchant payments, KCC/PMMY OD and CC schemes) and Android-based ATMs (UPI ICCW/ICD, instant account opening and card issuance). Bottom strip: PFM, ATM-NFC tap and transact, bob D-PAL loans against securities, offline CBDC P2P via NFC, and ISO 9001:2015 certification for digital banking services.
Four product columns with orange headers and device mockups (smartphone, Jio feature phone, payment app, ATM kiosk), plus a full-width 'Enhancing the Digital Banking Experience' strip of five features
Channel growth, Q2 FY26 vs Q2 FY27. bob World users rose from 341 to 359 lakh (+5%), with transaction value up from ₹84,502 crore to ₹1,01,877 crore. Internet banking users 126→138 lakh (+10%); bob ₹ Pay users 17.74→42.79 lakh (+141%). WhatsApp banking users grew 1.49→2.05 lakh (+37%) and CBDC wallet users 9.57→18.03 lakh (+88%). The debit card base fell 11% to 791 lakh while spends rose to ₹2,925 crore.
Six bordered panels in a 3x2 grid, each with a product logo, transaction value boxes and a two-bar user chart with a growth percentage
Merchant ecosystem, Q2 FY26 vs Q2 FY27: POS terminals 0.55→0.68 lakh (+24%), turnover ₹1,731 crore→₹2,225 crore; UPI QR codes 28.5→34.81 lakh (+22%), turnover roughly flat at ₹16,009 crore; internet payment gateway merchants 7,854→11,271 (+44%), turnover ₹6,391 crore; sound boxes 1.74→2.60 lakh (+50%).
Four panels (POS, UPI-QR, IPG, Sound Box), each with a product image on the outside and a two-bar chart with a turnover box
Digital lending: 14 digital retail products (digital PL, PLGS, insta PL, pension, auto, two-wheeler, education including PM Vidyalaxmi, retail gold, solar rooftop, D-PAL and others) and 3 digital agri products (agri gold loan, digital KCC, tractor loan). Total digital sanctions rose from ₹3,550 crore to ₹7,711 crore (+117%); retail digital sanctions from ₹1,991 crore to ₹6,264 crore (+215%); agri digital sanctions fell 7% to ₹1,447 crore.
Blue panel of 14 circular retail-product icons and a green panel of 3 agri-product icons on the left; three stacked bar-chart cards on the right
Section divider opening the Consolidated Financials section.
Warm peach radial-gradient background with the 119th Foundation Year badge top left, the bilingual Bank of Baroda logo top right, and a large orange section title anchored bottom left beside a vertical red accent bar
IndiaFirst Life Insurance (64.86% holding): new business GWP of ₹1,116 crore (+43.5% YoY), GWP of ₹2,309 crore (+20.6%), 12th among private insurers by NB GWP with a 1.6% share, and net profit of ₹4.4 crore (₹15.3 crore a year earlier). Baroda BNP Paribas AMC (50.1%): AAUM ₹58,607 crore (+6%), gross revenue ₹69.44 crore, PAT ₹26.12 crore (+7.22%); its Services Fund NFO raised ₹592.06 crore; ranked 22nd among Indian fund houses.
Two columns with company logos above orange holding-percentage headers and checkbox bullet lists, split by a vertical orange line
Baroda Global Shared Services (100%): revenue from operations ₹72.94 crore (+31.55%), PAT ₹9.64 crore, DST gross disbursement about ₹6,756 crore (+48%). Nainital Bank (98.62%): total business ₹14,375.84 crore (+11.13%), gross advances ₹5,623.94 crore (+15.62%), deposits ₹8,751.9 crore (+8.43%), gross NPA down to ₹279.60 crore (GNPA ratio 4.97% from 8.02%), net profit ₹21.68 crore (₹14.83 crore a year earlier).
Two-column subsidiary layout with logos, orange holding headers and checkbox bullets
India Infradebt (40.99% JV): advances ₹32,257.43 crore (+14.95%), total income ₹761.84 crore (+9.29%), PAT ₹180.59 crore (+24.40%), with a focus on renewable energy. BOBCARD (100%): 34.92 lakh active cards (+13.63%), card spends ₹11,713 crore (+15%), ANR ₹6,353 crore, ENR ₹6,495 crore, and a net loss of ₹72.20 crore against a ₹2.85 crore profit a year earlier.
Two-column subsidiary layout with logos, orange holding headers and checkbox bullets
BOB Capital Markets (100%): gross revenue ₹9.51 crore (-14.17%), net loss ₹3.73 crore, investment banking revenue ₹0.68 crore (-61.36%), broking ₹7.20 crore, and 16,794 demat accounts opened (+59.27%). BOB Securities & Giltedge Limited is a newly incorporated subsidiary that takes over the bank's primary dealership business as a standalone PD; the bank put in ₹500 crore of initial capital and NBFC-ND-ICC operations started on 23 October 2026.
Two-column subsidiary layout with logos, orange headers and checkbox bullets
H1 FY27 overseas subsidiaries. Bank of Baroda (Uganda), 80%: deposits ₹7,052.92 crore (+19.74%), net advances ₹4,603.41 crore (+28.77%), net profit ₹229.52 crore (+31.34%), RONW 17.10%, GNPA 0.45%. Kenya, 86.70%: deposits ₹11,777.21 crore (+8.49%), advances ₹5,207.56 crore (+14.62%), net profit ₹225.40 crore (+36.54%), RONW 16.37%, GNPA 12.91%. Botswana, 100%: deposits ₹2,529.06 crore (+16.91%), advances ₹2,026.81 crore (+28.49%), net profit ₹40.94 crore (-26.63%), RONW 13.54%, GNPA 1.85%. Uganda and Kenya have December year-ends.
Three equal columns with orange holding headers and checkbox bullets, separated by vertical orange lines; fiscal-year footnote
Consolidated balance sheet total ₹22,31,467 crore at Sep'26 (₹19,13,557 crore a year earlier), with deposits of ₹17,75,096 crore, loans & advances of ₹15,24,547 crore and investments of ₹5,02,214 crore. Consolidated Q2 FY27 P&L: total income ₹45,784 crore (+19.1%), operating profit ₹12,674 crore (+49.2%), provisions ₹3,407 crore, PAT ₹6,737 crore (+31.2%), EPS ₹13.03 (from ₹9.93).
Two tables side by side: consolidated balance sheet (Sep'25, Jun'26, Sep'26) on the left and consolidated P&L (Q2FY26, Q2FY27, YoY) on the right
Standard legal disclaimer: the presentation is confidential, for information only and not an offer of securities; forward-looking statements carry risks; the securities are not registered under the US Securities Act of 1933 and the deck may not be distributed in the United States. A red closing line states that figures are based on audited or limited-review financials or management estimates.
Full-page justified body text under a centred orange title, with the final sentence in red
Closing slide with 'Thank You' centred on the brand gradient, alongside the 119th Foundation Year badge and the bilingual Bank of Baroda logo.
Centred large orange 'Thank You' on the peach radial gradient with corner branding
Domande comuni su questa slide e il contenuto della presentazione sottostante.
It is Bank of Baroda's 'Performance Analysis Q2FY27' investor deck for the quarter ended 30 September 2026. The bank filed it with the BSE and NSE together with its quarterly results. Its 46 slides cover key highlights, financial performance, deposits and advances, asset quality, capital adequacy, sustainability, digital banking, subsidiaries and the consolidated financials.
Standalone net profit was ₹6,532 crore (+35.8% YoY) and operating profit ₹11,430 crore (+50.9%). Net interest income was ₹13,026 crore (+9.0%) and NIM 2.74%. Global advances grew 18.3% to ₹15,12,448 crore and global deposits 16.4% to ₹17,45,435 crore. Consolidated PAT was ₹6,737 crore and EPS ₹13.03.
In Q1 FY27 the bank booked 'other provisions' of ₹5,670 crore, which took total Q1 provisions to ₹6,323 crore and cut Q1 net profit to ₹1,278 crore. As a result, H1 FY27 net profit is ₹7,810 crore, 16.5% lower than a year earlier, even though Q2 on its own rose 35.8%, helped by ₹4,093 crore of treasury income.
Gross NPA fell to 1.78% and net NPA to 0.37% at September 2026, down from 2.16% and 0.57% a year earlier. The slippage ratio was 0.69% and credit cost 0.55%. Provision coverage was 94.65% including technically written-off accounts. SMA-1/SMA-2 exposure was just 0.06% of standard advances.
All amounts are in Indian rupees, mostly in ₹ crore (1 crore = 10 million), written in the Indian digit grouping (for example 17,45,435 crore). Some digital and inclusion metrics are in lakh (100,000). The page analysis here keeps the bank's own units.
Yes. The page offers the original PDF and an editable PPTX converted from it. The conversion keeps each slide as an editable page, so you can reuse the table and chart layouts for your own bank results deck. Check the figures against the original PDF before quoting them.
IndiaFirst Life Insurance, Baroda BNP Paribas AMC, Baroda Global Shared Services, Nainital Bank, India Infradebt, BOBCARD, BOB Capital Markets, the newly formed BOB Securities & Giltedge (primary dealer, ₹500 crore initial capital) and the overseas subsidiaries in Uganda, Kenya and Botswana.
Bank of Baroda files its quarterly investor presentations with the BSE and NSE and posts them in the investor relations section of bankofbaroda.in. This page is built from that filing, with the cover letter removed.
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