)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Bank of Baroda (BANKBARODA) investor relations material
Bank of Baroda Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary25 Jul, 2025
Executive summary
Net profit for Q1FY26 rose 1.9% year-over-year to ₹4,541 crore, with operating profit up 15% to ₹8,236 crore and non-interest income surging 88% to ₹4,675 crore.
Global advances grew 12.6% year-over-year to ₹12,07,056 crore, led by robust retail, agriculture, and MSME growth, while corporate loan growth was more muted at 4.2%.
Asset quality improved, with GNPA at 2.28% and net NPA at 0.60% as of June 2025.
The bank continues to focus on sustainable, calibrated growth, maintaining strong fundamentals and resilient capital position.
Financial highlights
Net interest income for Q1FY26 was ₹11,435 crore, while operating income rose 14.4% year-over-year to ₹16,109 crore.
Organic retail book grew 17.5%, agriculture 16.2%, and MSME 13.1% year-over-year.
Total deposits increased 9.1% year-over-year to ₹14,35,634 crore; domestic CASA grew 5.5%, term deposits 9.9%.
Cost-to-income ratio improved by 30 bps year-over-year to 48.87%.
Return on assets at 1.03–1.16%, return on equity at 15.05%.
Outlook and guidance
Margin pressure expected to persist in Q2, with improvement anticipated in Q3 and Q4 as deposit repricing benefits materialize.
Full-year NIM guidance maintained at 2.85–3.0%.
Corporate loan growth target of 9–10% for the year.
Recovery targets set to exceed ₹10,000 crore for the full year.
Bank targets net zero emissions by 2057 and aims for 50% renewable energy sector financing by 2029.
International NPA resolution and recovery outlook
Deposit repricing impact on Q3/Q4 NIM
Strategy to achieve 9-10% corporate growth
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Bank of Baroda earnings date
Q2 25/2614 Nov, 2025
Next Bank of Baroda earnings date
Q2 25/2614 Nov, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
Frequently asked questions
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage