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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Bank of Baroda
Bank of Baroda (BANKBARODA) investor relations material
Bank of Baroda Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary30 Oct, 2026
Executive summary
Q2 FY27 net profit rose 35.8% YoY to a record ₹6,532 crore; operating profit rose 50.9% to a record ₹11,430 crore.
Global business reached ₹32,57,883 crore, up 17.2% YoY; advances grew 18.3% and deposits 16.4%.
H1 FY27 net profit fell 16.5% YoY to ₹7,810 crore, including a ₹5,680 crore NMC settlement charge; operating profit rose 23.7% to ₹19,557 crore.
Financial highlights
Q2 NII rose 9.0% YoY to ₹13,026 crore; non-interest income increased 95.8% to ₹6,881 crore, lifting operating income 28.7% to ₹19,907 crore.
Q2 PBT rose 42.6% YoY to ₹9,048 crore; operating expenses increased 7.4% to ₹8,477 crore and provisions excluding tax were ₹2,382 crore.
H1 NII grew 9.2% to ₹25,551 crore; H1 PBT was ₹10,852 crore, down 14.0% YoY.
Consolidated Q2 profit after tax increased 31.2% YoY to ₹6,737 crore; EPS was ₹13.03, up 31.2%.
Q2 operating profit included NSE-related gains; NSE-related cash profit was ₹1,349 crore, while operating profit excluding the entire NSE impact was ₹7,749 crore.
Outlook and guidance
FY27 credit growth guidance raised to 13%-15% from 12%-14%; deposit growth guidance raised to 11%-13% from 10%-12%.
FY27 NIM guidance remains 2.75%-2.95%, with expectations toward the higher end; credit cost guidance remains below 0.6%.
Q2-Q4 ROA is expected to exceed 1% each quarter; full-year ROA outlook remains near 1%, with ROE guidance of 15%-16%.
Normalized recovery from technical write-offs is ₹750 crore per quarter, expected in Q3 and Q4; fee income is expected to improve over the next two quarters.
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Latest events from Bank of Baroda
- Profit rose 55.2% as business grew 30% and net NPAs fell to 0.31%.BANKBARODA
Q4 08/09 - Profit rose 39.9% as business expanded 24.1%, while NIM eased to 2.90%.BANKBARODAQ4 07/08
- Profit rose 32.8% as deposits expanded, but weak credit demand constrained advances.BANKBARODAQ4 96/97
- Profit nearly doubled as credit expanded and net NPA ratio improved.BANKBARODAQ4 01/02
- Higher provisions and VRS reduced earnings, while pre-VRS profit and core banking metrics improved.BANKBARODAQ4 00/01
- Profit rose 65.9% as deposits expanded 21.6% and net NPAs reached 6.6%.BANKBARODAQ4 97/98
- Operating profit rose, but weaker net profit and higher NPLs tempered the year.BANKBARODAQ4 98/99
- Profit rose 19.3% as credit growth accelerated and technology-led expansion took priority.BANKBARODAQ4 99/00
- Profit surged as retail lending grew, margins improved and net NPAs fell.BANKBARODAQ4 02/03
Next Bank of Baroda earnings date
Q3 26/2729 Jan, 2027
Bank of Baroda
Next Bank of Baroda earnings date
Q3 26/2729 Jan, 2027
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