Bank of Baroda's Consolidated Net Up 4.4% to Rs 5443 Crore
Collection efficiency, excluding agriculture, remained strong at 98.63 per cent as of December 2025
Mumbai: Public sector lender Bank of Baroda on Friday reported a consolidated net profit of ₹5443 crore for Q3FY26, a 4.4 per cent increase compared to ₹5214 crore recorded in the same period of the previous fiscal year. The Bank's standalone net profit was Rs 5,055 crore for Q3FY26, up by 4.5 per cent year on year while the net profit for 9MFY26 stood at Rs 14,405 crore.
Net interest income or the difference between interest earned and interest expended remained largely flat for the December quarter at ₹11,800 crore compared to ₹11,786 crore a year ago.
Domestic Net Interest Margin (NIM) stood at 2.93 per cent for the quarter compared to 3.22 per cent in Q3FY25.
The bank’s loan book grew 14.6 per cent year-on-year to ₹13.43 lakh crore, exceeding management’s guidance of 11–13 per cent growth. Deposits grew 10.3 per cent year-on-year to ₹15.46 lakh crore during the quarter.
The bank continued to maintain strong asset quality with reduction in Gross non-performing assets by 39 bps YoY to 2.04 per cent in Q3FY26. Bank’s NNPA also reduced by 2 basis points year on year at 0.57 percent in Q3FY26. The Bank's balance sheet remained robust with healthy Provision Coverage Ratio (PCR) of 92.73 per cent. Slippage ratio forQ3FY26 declined by 4 bps YoY and 5 bps QoQ to 0.86 per cent. Collection efficiency, excluding agriculture, remained strong at 98.63 per cent as of December 2025.
