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Bank of Baroda (BANKBARODA) investor relations material
Bank of Baroda Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary31 Oct, 2025
Executive summary
Global advances grew 11.9% year-over-year to ₹12,78,847 crore, with domestic at 11.5% and international at 13.8%.
Global deposits increased 9.3% year-over-year to ₹15,00,012 crore; domestic deposits up 9.7%, international up 7.2%.
Net profit for Q2FY26 was ₹4,809 crore, up 5.9% sequentially but down 8.2% year-over-year; H1FY26 net profit at ₹9,351 crore.
Asset quality improved with gross NPA at 2.16% and net NPA at 0.57%.
Digital transformation accelerated, with 96% of transactions done digitally and strong growth in digital product sanctions.
Financial highlights
Operating profit for Q2FY26 was ₹7,576 crore; H1FY26 at ₹15,812 crore.
Net interest income for Q2FY26 was ₹11,954 crore, up 2.7% YoY; H1FY26 NII at ₹23,388 crore.
Net interest margin (NIM) improved to 2.96% for Q2FY26; domestic NIM at 3.10%.
Return on assets (ROA) at 1.07% for Q2FY26; return on equity (ROE) at 15.37%.
Cost-to-income ratio increased to 51.02% in Q2FY26 from 43.60% in Q2FY25.
Outlook and guidance
Corporate loan growth expected to reach 10%-11% for FY26, with strong pipelines in place.
NIM guidance for the coming quarters is 2.85%-3% globally.
Slippage ratio guidance maintained at 1%-1.25%; credit cost expected below 0.75%.
Focus on digital growth, sustainability, and financial inclusion continues.
ECL transition expected to have a net impact of 0.75% on CRAR over five years; credit cost may rise by 20-25 bps.
Corporate loan growth strategy for H2 FY26
ECL transition impact on capital and credit cost
Core NIM trajectory and key drivers for FY26
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Next Bank of Baroda earnings date
Q3 25/2629 Jan, 2026
Next Bank of Baroda earnings date
Q3 25/2629 Jan, 2026
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