Bank of Baroda Q4FY26 Net Profit Rises 11.2% to ₹5,616 Crore
State-owned lender Bank of Baroda reported an 11.2% year-on-year increase in net profit to ₹5,616 crore for the fourth quarter of fiscal year 2025-26. This growth occurred despite a 16.2% decline in non-interest income, which fell to ₹3,967 crore. Net interest income rose by 8.7% to ₹12,494 crore, although the net interest margin slightly decreased to 3.08%. The bank's credit costs increased to 0.76% due to a ₹1,500 crore floating provision. Asset quality showed improvement, with the gross non-performing assets ratio dropping to 1.89% and the net NPA ratio falling to 0.45%. Domestic advances grew by 14.5%, driven by strong performance in retail, corporate, and MSME segments. Deposits increased by 12.8% to ₹14.01 trillion. Managing Director Debadatta Chand highlighted expectations to disburse over ₹12,000 crore under the ECLGS 5.0 scheme, targeting the working capital needs of MSME clients. For the full fiscal year, the bank’s net profit rose by 2.2% to ₹20,021 crore, reflecting steady financial health amidst changing regulatory guidelines on expected credit losses.
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Bank of Baroda Q4FY26 Net Profit Rises 11.2% to ₹5,616 Crore
State-owned lender Bank of Baroda reported an 11.2% year-on-year increase in net profit to ₹5,616 crore for the fourth quarter of fiscal year 2025-26. This growth occurred despite a 16.2% decline in non-interest income, which fell to ₹3,967 crore. Net interest income rose by 8.7% to ₹12,494 crore, although the net interest margin slightly decreased to 3.08%. The bank's credit costs increased to 0.76% due to a ₹1,500 crore floating provision. Asset quality showed improvement, with the gross non-performing assets ratio dropping to 1.89% and the net NPA ratio falling to 0.45%. Domestic advances grew by 14.5%, driven by strong performance in retail, corporate, and MSME segments. Deposits increased by 12.8% to ₹14.01 trillion. Managing Director Debadatta Chand highlighted expectations to disburse over ₹12,000 crore under the ECLGS 5.0 scheme, targeting the working capital needs of MSME clients. For the full fiscal year, the bank’s net profit rose by 2.2% to ₹20,021 crore, reflecting steady financial health amidst changing regulatory guidelines on expected credit losses.
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