Bank of Baroda Reports Strong Performance in Q3FY26 and 9MFY26, Driven by Robust Growth and Asset Quality

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31, Jan 2026
Bank of Baroda Reports Strong Performance in Q3FY26 and 9MFY26, Driven by Robust Growth and Asset Quality

Mumbai, Jan 31: Bank of Baroda (BoB) announced its financial results for the quarter and nine months ended 31st December 2025, reporting continued growth momentum supported by stable asset quality, strong profitability, and a healthy balance sheet.

Financial Highlights – Q3FY26 & 9MFY26

  • Net Profit for Q3FY26 rises YoY; 9MFY26 Net Profit shows steady growth.

  • Operating Profit for the quarter and nine months demonstrates consistent performance.

  • Net Interest Income (NII) and Non-Interest Income grow steadily, reflecting balanced revenue streams.

  • Return on Assets (ROA) and Return on Equity (ROE) remain strong.

  • Cost of deposits declines, and Global and Domestic Net Interest Margins (NIM) remain healthy.

Asset Quality and Capital Strength

  • Gross and Net NPA ratios improve, reflecting strong credit quality.

  • Provision Coverage Ratio (PCR) remains robust.

  • Credit cost remains well under control.

  • Capital adequacy ratios, including CRAR, Tier-I, and CET-1, remain strong.

Business Performance

  • Global and domestic advances register healthy growth.

  • Deposits show steady increase across domestic and international segments.

  • Retail, Agriculture, and MSME (RAM) portfolios grow, driving portfolio diversification.

  • Corporate advances demonstrate steady expansion.

“Bank of Baroda has delivered another quarter of steady growth, underpinned by strong asset quality and robust profitability. Our strategic focus on retail, agriculture, and MSME segments continues to drive balanced growth across the portfolio. With a resilient balance sheet, prudent capital management, and customer-centric initiatives, we remain well-positioned to support India’s economic growth and strengthen our market leadership.”

Bank of Baroda continues to maintain a strong and diversified portfolio, with disciplined credit practices, robust capital adequacy, and focus on retail and MSME segments driving sustainable growth.