BoB’s Highest-Ever Qtrly Net Profit of Rs65 Bn


Gross NPA improved to 1.78% from 2.16% a year ago, while Net NPA stood at 0.37%


FinTech BizNews Service       

Mumbai, 31 October, 2026:Bank of Baroda announced financial results on Friday for the quarter and half year ended 30th September 2026.

Bank of Baroda reported its highest-ever quarterly net profit of Rs6,532 crore, registering a growth of 35.8% year-on-year (YoY) in Q2FY27.

Highlights

  • Bank delivers highest ever quarterly Net Profit of INR 6,532 crore (+35.8% YoY). Net Profit for H1FY27 stands at INR 7,810 crore.
  • Net Interest Income (NII) for the quarter expanded by 9.0% on a YoY basis and stands at INR 13,026 crore. NII stands at INR 25,551 crore for H1FY27 (+9.2% YoY).
  • Non-Interest Income stands for the quarter at INR 6,881 crore (+95.8% YoY). It stands at INR 10,351 crore for H1FY27 registering a YoY growth of 26.4%.
  • Bank’s Operating Income registered a YoY growth of 28.7% and stands at INR 19,907 crore for the quarter. It stands at INR 35,902 crore for H1FY27 (+13.7% YoY).
  • Operating expenses for the quarter stand at INR 8,477 crore, up by 7.4% YoY. It stands at INR 16,345 crore for the half year (+3.7% YoY).
  • Operating Profit for the quarter rises by 50.9% YoY and stands at INR 11,430 crore, highest ever quarterly operating profit posted by the Bank. Operating Profit for H1FY27 stands at INR 19,557 crore (+23.7% YoY).
  • Return on Assets (ROA) for the quarter increased by 19 bps YoY and stands at 1.26%. ROA for H1FY27 stands at 0.75%.
  • Return on Equity (ROE) increased by 363 bps YoY and stands at 19.28% for Q2FY27. ROE for H1FY27 stands at 11.63%.
  • Bank continues to maintain robust Asset quality with reduction in GNPA ratio by 38 bps YoY to 1.78% in Q2FY27.
  • Bank’s NNPA ratio also reduced by 20 bps YoY and stands at 0.37% in Q2FY27.
  • Bank’s balance sheet continues to be robust with healthy Provision Coverage Ratio (PCR). PCR with TWO improved by 144 bps YoY to 94.65%. PCR without TWO also improved by 535 bps YoY to 79.48%.
  • Slippage ratio for Q2FY27 declined by 22 bps YoY to 0.69%. It stands at 0.67% for H1FY27 as against 0.90% in H1FY26.
  • Bank’s Global Business stands at INR 32,57,883 crore registering a growth of 17.2% YoY.
  • Global Deposits registered a growth of 16.4% YoY and Domestic Deposits were up by 16.6% YoY as of 30th September 2026.
  • Domestic CASA deposits registered a robust growth of 10.4% YoY and stand at INR 5,39,515 crore.
  • Bank’s Global Advances registered a growth of 18.3% YoY and Domestic advances grew by 13.5% YoY as of 30th September 2026.
  • RAM portfolio grew by 18.0% YoY and share of Retail, Agri Loans and MSME loans (RAM) in domestic advances stands at 64.2% as of 30th September 2026.
  • Bank delivers highest ever quarterly Net Profit of INR 6,532 crore (+35.8% YoY). Net Profit for
  • H1FY27 stands at INR 7,810 crore.
  •  Net Interest Income (NII) for the quarter expanded by 9.0% on a YoY basis and stands at INR
  • 13,026 crore. NII stands at INR 25,551 crore for H1FY27 (+9.2% YoY).
  •  Non-Interest Income stands for the quarter at INR 6,881 crore (+95.8% YoY). It stands at INR
  • 10,351 crore for H1FY27 registering a YoY growth of 26.4%.
  •  Bank’s Operating Income registered a YoY growth of 28.7% and stands at INR 19,907 crore for
  • the quarter. It stands at INR 35,902 crore for H1FY27 (+13.7% YoY).
  •  Operating expenses for the quarter stand at INR 8,477 crore, up by 7.4% YoY. It stands at INR
  • 16,345 crore for the half year (+3.7% YoY).
  •  Operating Profit for the quarter rises by 50.9% YoY and stands at INR 11,430 crore, highest ever quarterly operating profit posted by the Bank. Operating Profit for H1FY27 stands at INR 19,557 crore (+23.7% YoY).
  •  Return on Assets (ROA) for the quarter increased by 19 bps YoY and stands at 1.26%. ROA for H1FY27 stands at 0.75%.
  •  Return on Equity (ROE) increased by 363 bps YoY and stands at 19.28% for Q2FY27. ROE for H1FY27 stands at 11.63%.
  •  Bank continues to maintain robust Asset quality with reduction in GNPA ratio by 38 bps YoY to 1.78% in Q2FY27.
  •  Bank’s NNPA ratio also reduced by 20 bps YoY and stands at 0.37% in Q2FY27.
  •  Bank’s balance sheet continues to be robust with healthy Provision Coverage Ratio (PCR). PCR with TWO improved by 144 bps YoY to 94.65%. PCR without TWO also improved by 535 bps YoY to 79.48%.
  •  Slippage ratio for Q2FY27 declined by 22 bps YoY to 0.69%. It stands at 0.67% for H1FY27 as against 0.90% in H1FY26.
  •  Bank’s Global Business stands at INR 32,57,883 crore registering a growth of 17.2% YoY.
  •  Global Deposits registered a growth of 16.4% YoY and Domestic Deposits were up by 16.6% YoY as of 30 th September 2026.
  •  Domestic CASA deposits registered a robust growth of 10.4% YoY and stand at INR 5,39,515 crore.
  •  Bank’s Global Advances registered a growth of 18.3% YoY and Domestic advances grew by 13.5% YoY as of 30 th September 2026.
  •  RAM portfolio grew by 18.0% YoY and share of Retail, Agri Loans and MSME loans (RAM) in domestic advances stands at 64.2% as of 30 th September 2026.
  • Profitability
    1. Net Profit for Q2FY27 stands at INR 6,532 crore, registering a growth of 35.8% YoY. Net Profit for H1FY27 stands at INR 7,810 crore. 
    2. Net Interest Income for Q2FY27 stands at INR 13,026 crore (+9.0% YoY). It stands at INR 25,551 crore for H1FY27 (+9.2% YoY)
    3. Non-Interest Income stands at INR 6,881 crore for Q2FY27 (+95.8% YoY) and at INR 10,351 crore for H1FY27, up by 26.4% YoY.
    4. Global Net Interest Margin (NIM) for Q2FY27 stands at 2.74%. Net Interest Margin (NIM) for H1FY27 stands at 2.76%.
    5. Operating Profit for the quarter rises by 50.9% YoY and stands at INR 11,430 crore. Operating Profit for H1FY27 stands at INR 19,557 crore (+23.7% YoY)
    6. Return on Assets (ROA) for the quarter increased by 19 bps YoY and stands at 1.26%. ROA for H1FY27 stands at 0.75%. 
    7. Return on Equity (ROE) increased by 363 bps YoY and stands at 19.28% for Q2FY27. ROE for H1FY27 stands at 11.63%.
      Asset Quality
    8. Gross NPA Ratio improved to 1.78% in Q2FY27 from 2.16% in Q2FY26.
    9. NNPA ratio also reduced by 20 bps YoY and stands at 0.37% in Q2FY27
    10. Bank’s balance sheet continues to be robust with healthy Provision Coverage Ratio (PCR). PCR with TWO improved by 144 bps YoY to 94.65%. PCR without TWO also improved by 535 bps YoY to 79.48%.
    11. Slippage ratio for Q2FY27 declined by 22 bps YoY to 0.69%. It stands at 0.67% for H1FY27 as against 0.90% in H1FY26.
    12. Credit cost stands at 0.55% for Q2FY27. It stands at 0.42% for H1FY27.
      Capital Adequacy
    13. CRAR of the Bank stands at 16.61% in Sep’26. Tier-I stood at 14.70% (CET-1 at 14.20%, AT1 at 0.50%) and Tier-II stood at 1.91% as of Sep’26. 
    14. The CRAR and CET-1 of consolidated entity stands at 17.01% and 14.65% respectively.
    15. The Quarterly Average Liquidity Coverage Ratio (LCR) (standalone) stands at 133.6% (approx.).
      Business Performance
    16. Domestic Advances of the Bank increased to INR 11,87,944 crore, +13.5% YoY. 
    17. Global Advances of the Bank increased to INR 15,12,448 crore, +18.3% YoY.
    18. International Advances grew by 39.7% on a YoY basis to INR 3,24,504 crore in Sep’26. 
    19. Domestic Deposits increased by 16.6% YoY to INR 14,83,521 crore in Sep’26.
    20. Global Deposits increased by 16.4% YoY to INR 17,45,435 crore. 
    21. Domestic CASA deposits registered a growth of 10.4% YoY and stand at INR 5,39,515 crore as of 30th September 2026
    22. International Deposits grew by 14.9% on a YoY basis to INR 2,61,915 crore in Sep’26. 
    23. Organic Retail Advances grew by 18.6% YoY, driven by strong YoY growth across segments such as Auto Loan (27.8%), Mortgage Loan (20.3%), Home Loan (14.6%) and Education Loan (9.9%).
    24. Agriculture loan portfolio grew by 19% YoY to INR 2,01,946 crore.
    25. Organic MSME portfolio grew by 21.3% YoY to INR 1,75,207 crore. 
    26. Corporate advances registered a growth of 6.3% YoY and stand at INR 4,25,736 crore.  
    27. Financial results for Quarter and Half year ended 30th September 2026

      Particulars (INR crore)

      Q2FY26

      Q1FY27

      Q2FY27

      YoY(%)

      H1FY26

      H1FY27

      YoY(%)

      Interest Income

      31,511

      33,211

      35,085

      11.3

      62,602

      68,296

      9.1

      Interest Expenses

      19,557

      20,686

      22,059

      12.8

      39,214

      42,745

      9.0

      Net Interest Income (NII)

      11,954

      12,524

      13,026

      9.0

      23,388

      25,551

      9.2

      Non-Interest Income

      3,515

      3,470

      6,881

      95.8

      8,189

      10,351

      26.4

      Operating Income 

      15,469

      15,995

      19,907

      28.7

      31,578

      35,902

      13.7

      Operating Expenses

      7,893

      7,868

      8,477

      7.4

      15,765

      16,345

      3.7

      Operating Profit

      7,576

      8,127

      11,430

      50.9

      15,812

      19,557

      23.7

      Total Provisions (other than tax) and contingencies

      1,232

      6,323

      2,382

      93.3

      3,199

      8,705

      --

      of which, Provision for NPA Bad Debts Written-off

      883

      1,043

      1,935

      --

      2,569

      2,978

      15.9

      Profit before Tax

      6,343

      1,804

      9,048

      42.6

      12,613

      10,852

      -14.0

      Provision for Tax

      1,534

      526

      2,517

      64.1

      3,262

      3,042

      -6.7

      Net Profit

      4,809

      1,278

      6,532

      35.8

      9,351

      7,810

      -16.5


      Business position

      Particulars (INR crore)

      Sep 30 2025

      Jun 30 2026

      Sep 30 2026

      YoY (%) 

      Domestic deposits

      12,71,992

      13,81,535

      14,83,521

      16.6

      Domestic CASA

      4,88,660

      5,21,149

      5,39,515

      10.4

      Global deposits

      15,00,012

      16,33,559

      17,45,435

      16.4

      Domestic advances

      10,46,506

      11,50,906

      11,87,944

      13.5

      Of which, retail loan portfolio (Organic)

      2,73,116

      3,09,674

      3,24,040

      18.6

      Global advances

      12,78,847

      14,16,898

      15,12,448

      18.3


      Key Ratios

      Particulars

      Q2FY26

      Q1FY27

      Q2FY27

      NIM Global %

      2.96

      2.77

      2.74

      Return on Assets (%)

      1.07

      0.25

      1.26

      CRAR (%)

      16.54

      16.30

      16.61

      CET-1 (%)

      13.36

      13.90

      14.20

      Gross NPA (%)

      2.16

      1.99

      1.78

      Net NPA (%)

      0.57

      0.50

      0.37

      PCR (with TWO) (%)

      93.21

      93.28

      94.65


       

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