Bank of Baroda Q3 net profit grows 4.5% to ₹5,054 crore

Bank of Baroda Ltd., for the third quarter ended December 31, 2025, reported 4.5% Year on Year (YoY) growth in net profit at ₹5,055 crore aided by an improvement in asset quality. 

Net Interest Income (NII) for the quarter stood at ₹11,800 crore as compared with ₹ 11,786 crore a year ago, up 1%.

Global Net Interest Margin (NIM) stood lower at 2.79% as compared with 3.04% a year ago .Gross NPA Ratio improved to 2.04% from 2.43% in the year ago period. The Net NPA Ratio reduced by 2 bps YoY and stood at 0.57%.

 Domestic Advances of the bank increased to ₹10,96,557 crore, up 13.6% YoY. Global Advances increased to ₹ 13,44,904 crore, up 14.7% YoY.

Domestic deposits increased by 11.1% YoY to ₹ 13,07,189 crore. Global deposits increased by 10.3% YoY to ₹15,46,749 crore.

Organic retail advances grew by 17.4%, led by strong growth across segments such as Mortgage Loan (21.0%), Auto Loan (17.4%), Home Loan (16.0%), Education Loan (12.8%) and Personal Loan (12.0%) on a YoY basis.

Agriculture loan portfolio grew by 19.0% YoY to ₹1,79,805 crore. Organic MSME portfolio grew by 16.4% YoY to ₹1,53,415 crore. Corporate advances registered a growth of 8.1% YoY and stood at ₹4,18,963 crore.