Mumbai : Bank of Baroda announced its financial results for the third quarter and nine months ended December 31, 2025, demonstrating consistent growth and stable asset quality. The Bank's Net Profit for Q3FY26 increased by 4.5% year-on-year (YoY) to reach ₹5,055 crore.
Key Financial Highlights:
Profits: Net Profit for the nine-month period (9MFY26) stood at ₹14,405 crore. Operating Profit for the quarter was ₹7,377 crore.
Income: Net Interest Income (NII) for Q3FY26 reached ₹11,800 crore. Non-Interest Income grew by 5.9% YoY to ₹3,600 crore.
Margins and Ratios: The Global Net Interest Margin (NIM) stood at 2.79% for the quarter. Return on Assets (ROA) remained consistently above 1%, standing at 1.09% for Q3FY26.
Asset Quality: The Bank continued to strengthen its asset quality, with the Gross NPA ratio improving to 2.04% from 2.43% a year ago. Net NPA stood at 0.57%.
Business Performance:
Advances: Global Advances grew by 14.7% YoY to ₹13,44,904 crore, while Domestic Advances increased by 13.6% to ₹10,96,557 crore.
Retail Growth: Organic Retail Advances saw a strong growth of 17.4% YoY, driven primarily by Mortgage loans (21.0%) and Auto loans (17.4%).
Deposits: Global Deposits increased by 10.3% YoY to ₹15,46,749 crore.