ಬ್ಯಾಂಕ್‌ ಆಫ್‌ ಬರೋಡಾದ ಎರಡನೇ ತ್ರೈಮಾಸಿಕದ ಆರ್ಥಿಕ ಫಲಿತಾಂಶ ಘೋಷಣೆ

Bank of Baroda announces Financial Results for the Quarter and Half Year ended – 30th September 2025

ಸರ್ಕಾರಿ ಸ್ವಾಮ್ಯದ ಬ್ಯಾಂಕ್‌ ಆಫ್‌ ಬರೋಡಾ ಸೆಪ್ಟೆಂಬರ್‌ನಲ್ಲಿ ಅಂತ್ಯ ಕಂಡ ಎರಡನೇ ತ್ರೈಮಾಸಿಕ ಅವಧಿ ಲಾಭದಲ್ಲಿ ಶೇ.8ರಷ್ಟು ಕುಸಿತ ಕಂಡಿದೆ. ಬಡ್ಡಿ ಆದಾಯವು ಮಧ್ಯಮ ಮಟ್ಟದಲ್ಲಿರುವುದು ಇದಕ್ಕೆ ಕಾರಣ. ಪರಿಣಾಮ ಕಳೆದ ವರ್ಷ ಇದೇ ಅವಧಿಯಲ್ಲಿ 5238 ಕೋಟಿ ರು.ಗಳಷ್ಟಿದ್ದ ನಿವ್ವಳ ಲಾಭ 4809 ಕೋಟಿ ರು.ಗೆ ತಲುಪಿದೆ.

ಇನ್ನು ಬ್ಯಾಂಕ್‌ ಆಫ್‌ ಬರೋಡಾದ ಒಟ್ಟು ಆದಾಯದಲ್ಲಿಯೂ ಕುಸಿತ ಕಂಡಿದೆ. ಕಳೆದ ವರ್ಷ ಈ ಅವಧಿಯಲ್ಲಿ 35.445 ಕೋಟಿ ರು.ಗಳಷ್ಟಿದ್ದ ಆದಾಯ ಈ ವರ್ಷ 35, 026 ಕೋಟಿ ರು.ಗೆ ಇಳಿದಿದೆ ಎಂದು ಬ್ಯಾಂಕ್‌ ಬರೋಡಾ ಫೈಲಿಂಗ್‌ ವೇಳೆ ನಮೂದಿಸಿದೆ.

ಈ ನಡುವೆ ಬ್ಯಾಂಕ್‌ ಆಫ್‌ ಬರೋಡಾದ ಬಡ್ಡಿ ಆದಾಯ ಕೊಂಚ ಸುಧಾರಿಸಿದ್ದು, ಕಳೆದ ವರ್ಷ ಇದೇ ತ್ರೈಮಾಸಿಕ ಅವಧಿಯಲ್ಲಿ 30, 278 ಕೋಟಿ ರು.ಗಳಷ್ಟಿದ್ದ ಆದಾಯ ಈ ವರ್ಷ 31, 511 ಕೋಟಿ ರು.ಗೆ ತಲುಪಿದೆ. ನಿವ್ವಳ ಬಡ್ಡಿ ಆದಾಯ ಕಳೆದ ವರ್ಷವಿದ್ದ 11,637 ಕೋಟಿ ರು.ಗಿಂತ ಅಲ್ಪ ಏರಿಕೆಯಾಗಿ 11, 954 ಕೋಟಿ ರು.ಗೆ ತಲುಪಿದೆ. ಇನ್ನು ಕಾರ್ಯಾಚರಣೆ ಲಾಭವು ಕಳೆದ ವರ್ಷ 9, 477 ಕೋಟಿ ರು.ಗಳಷ್ಟಿತ್ತು. ಈ ವರ್ಷ ಅದು 7576 ಕೋಟಿ ರು.

ಬ್ಯಾಂಕ್ ಆಫ್‌ ಬರೋಡಾದ ಮಾಹಿತಿಯ ಪ್ರಕಾರ ಬ್ಯಾಂಕಿನ ಒಟ್ಟು ಅನುತ್ಪಾದಕ ಆಸ್ತಿ ಶೇ.2.16ಕ್ಕೆ ಇಳಿದಿದೆ. ಕಳೆದ ವರ್ಷ ಶೇ.2.50ರಷ್ಟಿತ್ತು. ನಿವ್ವಳ ಎನ್‌ಪಿಗಳು ಕುಸಿದಿದ್ದು ಕಳೆದ ಸೆಪ್ಟೆಂಬರ್‌ ಅಂತ್ಯದಲ್ಲಿ 0.6ರಷ್ಟಿತ್ತು. ಈ ವರ್ಷ 0.3ರಷ್ಟು ಕುಸಿದು 0.57ಕ್ಕೆ ತಲುಪಿದೆ.

ಇನ್ನು ಅನುಶ್ಚಿತತೆ ಮೊತ್ತವು 2024ರ ಸೆಪ್ಟೆಂಬರ್‌ನಲ್ಲಿ 2336 ಕೋಟಿ ರುಗಳಷ್ಟಿತ್ತು. ಈ ವರ್ಷ 1232 ಕೋಟಿ ರು.ಗೆ ಇಳಿದಿದೆ. ಇನ್ನು ತ್ರೈಮಾಸಿಕದಲ್ಲಿ ಪಿಸಿಆರ್‌ 93.21ಕ್ಕೆ ಇಳಿದಿದೆ. ಕಳೆದ ವರ್ಷ 93.61ರಷ್ಟಿತ್ತು. ಇನ್ನು ಸಿಆರ್‌ಎಆರ್‌ ಶೇ.16.26 ರಿಂದ 16.54ಕ್ಕೆ ಏರಿಕೆ ಆಗಿದೆ ಎಂದು ಬ್ಯಾಂಕ್‌ ಹೇಳಿದೆ.

Bank of Baroda announces Financial Results for the Quarter and Half Year ended – 30th September 2025

Bank delivers resilient business growth and profitability with improved asset quality
Highlights
Bank reported a Net Profit of INR 4,809 crore for Q2FY26 up by 5.9% QoQ. Net Profit for H1FY26 stands at INR 9,351 crore
Operating Profit for the quarter stands at INR 7,576 crore and at INR 15,812 crore for H1FY26.
Net Interest Income for the quarter stands at INR 11,954 crore up by 4.5% QoQ. It stands at INR 23,388 crore for H1FY26.
Non-Interest Income for the quarter stands at INR 3,515 crore. It stands at INR 8,189 crore for the half year, registering a growth of 7% YoY.
Operating expenses remain contained sequentially and stands at INR 7,893 crore (+7.7% YoY) for the quarter and at INR 15,765 crore for H1FY26.
Return on Assets (ROA) remains consistently above 1% and it stands at 1.07% for Q2FY26 and 1.04% for H1FY26.
Return on Equity (ROE) stands at 15.37% for Q2FY26 up by 32 bps QoQ. It stands at 14.95% for H1FY26
Cost of deposits for the quarter stands at 4.91%, a reduction of 21 bps YoY and 14 bps QoQ.
Global Net Interest Margin (NIM) for Q2FY26 improves by 5 bps sequentially and stands at 2.96%. It stands at 2.93% for H1FY26.
Domestic Net Interest Margin (NIM) stands at 3.10% for the quarter, an improvement of 4 bps QoQ. It stands at 3.08% for H1FY26.
Bank continues to maintain strong Asset quality with reduction in GNPA by 34 bps YoY to 2.16% in Q2FY26. Bank’s NNPA also reduced by 3 bps YoY and stands at 0.57% in Q2FY26.
BOB’s balance sheet remains robust with healthy Provision Coverage Ratio (PCR) of 93.21% with TWO & at 74.13% without TWO.
Slippage ratio for Q2FY26 declined by 16 bps YoY and 25 bps QoQ to 0.91%. It stands at 0.90% for H1FY26
Credit cost remains below 0.75% at 0.29% for Q2FY26 and 0.42% for H1FY26.
BOB’s Global Advances registered a growth of 11.9% YoY and Domestic advances grew by 11.5% in Q2FY26 led by robust retail loan book growth.
Bank’s organic Retail Advances grew by 17.6%, driven by strong growth across segments such as Mortgage Loan (19.8%), Auto Loan (17.7%), Home Loan (16.5%), Education Loan (14.0%) and Personal Loan (18.6%).
Share of Retail, Agri Loans and MSME loans (RAM) in advances improved by 310 bps YoY to 61.7%. RAM portfolio grew by 17.4% in Q2FY26.

Profitability
Net Profit for Q2FY26 stands at INR 4,809 crore and it stands at INR 9,351 crore for H1FY26.
Net Interest Income for Q2FY26 stands at INR 11,954 crore (+2.7% YoY) and at INR 23,388 crore for H1FY26.
Non-Interest Income for Q2FY26 stands at INR 3,515 crore. Non-Interest Income for H1FY26 grew by 7.0% YoY and stands at INR 8,189 crore.
Global Net Interest Margin (NIM) for Q2FY26 improves by 5 bps sequentially and stands at 2.96%. It stands at 2.93% for H1FY26.
Domestic Net Interest Margin (NIM) stands at 3.10% for the quarter, an improvement of 4 bps QoQ. It stands at 3.08% for H1FY26.
Operating Profit for the quarter stands at INR 7,576 crore and at INR 15,812 crore for H1FY26.
Return on Assets (ROA) remains consistently above 1% and stands at 1.07% for Q2FY26 and 1.04% for H1FY26.
Return on Equity (ROE) stands at 15.37% for Q2FY26 and at 14.95% for H1FY26
Asset Quality
Gross NPA Ratio improved to 2.16% in Q2FY26 from 2.50% in Q2FY25.
The Net NPA Ratio of the Bank reduced by 3 bps YoY and stands at 0.57% in Q2FY26.
BOB’s balance sheet remains robust with healthy Provision Coverage Ratio (PCR) of 93.21% with TWO & at 74.13% without TWO.
Slippage ratio for Q2FY26 declined by 16 bps YoY and 25 bps QoQ to 0.91%. It stands at 0.90% for H1FY26.
Credit cost remains below 0.75% at 0.29% for Q2FY26 and 0.42% for H1FY26.
Capital Adequacy
CRAR of the Bank stands at 16.54% in Sep’25. Tier-I stood at 14.15% (CET-1 at 13.36%, AT1 at 0.79%) and Tier-II stood at 2.39% as of Sep’25.
The CRAR and CET-1 of consolidated entity stands at 16.97% and 13.88% respectively.
The Liquidity Coverage Ratio (LCR) consolidated stands at 121% (approx.).
Business Performance
Domestic Advances of the Bank increased to INR 10,46,506 crore, +11.5% YoY.
Global Advances of the Bank increased to INR 12,78,847 crore, +11.9% YoY.
Domestic Deposits increased by 9.7% YoY to INR 12,71,992 crore in Sep’25.
Global Deposits increased by 9.3% YoY to INR 15,00,012 crore.
Domestic CASA deposits registered a growth of 6.6% YoY and stands at INR 4,88,660 crore as of 30th September 2025.
International Deposits grew by 7.2% on a YoY basis to INR 2,28,020 crore in Sep’25.
Organic Retail Advances grew by 17.6%, led by strong growth across segments such as Mortgage Loan (19.8%), Auto Loan (17.7%), Home Loan (16.5%), Education Loan (14.0%) and Personal Loan (18.6%) on a YoY basis.
Agriculture loan portfolio grew by 17.4% YoY to INR 1,69,703 crore.
Organic MSME portfolio grew by 13.9% YoY to INR 1,44,401 crore.
Corporate advances registered a growth of 3.0% YoY and stands at INR 4,00,682 crore