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Bank of Baroda engages in the provision of commercial banking services. The company is headquartered in Mumbai, Maharashtra and currently employs 77,244 full-time employees. Its segments include Treasury, Corporate / Wholesale Banking, Retail Banking and Other Banking Operations. Its geographical segment includes Domestic Operations and Foreign Operations. The company offers personal banking services, which include savings accounts, current accounts, and term deposits. The company provides a range of digital products, which includes instant banking, such as Internet banking, mobile banking, cards, WhatsApp banking, digital signage systems (DSS), self-service passbook printers, and automated teller machines (ATMs). The company offers a range of loans, such as home loan, personal loan, vehicle loan, fintech, education loan, and gold loan. The company provides merchant payment solutions, Baroda DigiNext Cash Management Services, BarodaINSTA SmartTrade, Bharat Bill Pay, Bhim Adhaar Baroda Pay and Internet Payment Gateway. The company has 8,240 branches and 9,764 ATMs and cash recyclers supported by self-service ch
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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹52,438 Cr on total income of ₹185,599 Cr.
Cost-to-income ratio at 51.6%. Provision coverage at 6.1% of income.
“net profit for q three stands at rupees”
“global advances have grown by 14.”
“net interest margin, it stands at 22.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 11.7%▲ | 11.5% |
| Net Margin | 10.5%▼ | 12.1% |
| EBITDA Margin | 68.1%▲ | 67.3% |
| Debt To Equity | 10.10x▲ | 8.01x |
| Rev Growth 3yr | 12.3%▼ | 14.4% |
| EPS Growth 3yr | 9.3%▼ | 23.3% |
| NIM | 3.6%▼ | 390.0% |
| Cost To Income | 51.6% | - |
| Credit Deposit Ratio | 86.00x | 83.00x |
No related party data available for this company.
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| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹1.01 Lakh Cr +5.4% | ₹96,107 Cr +9.7% | ₹87,648 Cr +33.3% | ₹65,777 Cr +29.6% | ₹50,751 Cr -1.3% | ₹51,427 Cr -7.3% | ₹55,491 Cr +55.8% | ₹35,623 Cr |
| Income on Investments | ₹29,103 Cr -0.6% | ₹29,284 Cr +5.2% | ₹27,842 Cr +12.3% | ₹24,801 Cr +27.0% | ₹19,536 Cr +1.4% | ₹19,275 Cr +0.2% | ₹19,234 Cr +35.7% | ₹14,175 Cr |
| ₹23,192 Cr -7.0% | ₹24,939 Cr +6.6% | ₹23,399 Cr +40.6% | ₹16,639 Cr +15.6% | ₹14,395 Cr -2.0% | ₹14,687 Cr +20.5% | ₹12,191 Cr +54.6% | ₹7,887 Cr | |
| Total Income | ₹1.60 Lakh Cr +4.5% | ₹1.53 Lakh Cr +7.8% | ₹1.42 Lakh Cr +28.0% | ₹1.11 Lakh Cr +26.2% | ₹87,780 Cr -1.4% | ₹89,001 Cr -2.3% | ₹91,086 Cr +49.8% | ₹60,793 Cr |
| Interest Expended | ₹82,855 Cr +5.9% | ₹78,265 Cr +12.0% | ₹69,899 Cr +40.0% | ₹49,942 Cr +28.7% | ₹38,815 Cr -10.2% | ₹43,201 Cr -13.7% | ₹50,040 Cr +53.9% | ₹32,506 Cr |
| Employee Cost | ₹17,148 Cr -4.3% | ₹17,910 Cr +5.6% | ₹16,967 Cr +18.3% | ₹14,343 Cr +13.4% | ₹12,644 Cr +5.4% | ₹11,993 Cr +29.2% | ₹9,279 Cr +70.8% | ₹5,434 Cr |
| Other Operating Expenses | ₹21,489 Cr +14.2% | ₹18,810 Cr +8.3% | ₹17,370 Cr +6.6% | ₹16,302 Cr +33.7% | ₹12,195 Cr +9.6% | ₹11,124 Cr -1.5% | ₹11,297 Cr +54.0% | ₹7,335 Cr |
| Provisions & Contingencies | ₹10,586 Cr +3.0% | ₹10,280 Cr -12.5% | ₹11,743 Cr +22.0% | ₹9,627 Cr -31.8% | ₹14,118 Cr -13.4% | ₹16,309 Cr -24.9% | ₹21,704 Cr +55.1% | ₹13,994 Cr |
| Total Expenditure | ₹1.21 Lakh Cr +5.7% | ₹1.15 Lakh Cr +10.3% | ₹1.04 Lakh Cr +29.3% | ₹80,587 Cr +26.6% | ₹63,654 Cr -4.0% | ₹66,319 Cr -6.1% | ₹70,616 Cr +56.0% | ₹45,275 Cr |
| Profit Before Tax | ₹21,981 Cr -20.4% | ₹27,619 Cr +7.1% | ₹25,799 Cr +25.5% | ₹20,565 Cr +105.5% | ₹10,008 Cr +57.0% | ₹6,373 Cr ↑ Recovery | (₹1,234 Cr) ↓ Decline | ₹1,525 Cr |
| Exceptional Items | (₹5,680 Cr) | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Tax | ₹4,283 Cr -40.2% | ₹7,160 Cr -3.1% | ₹7,390 Cr +25.7% | ₹5,877 Cr +154.6% | ₹2,308 Cr -53.1% | ₹4,919 Cr ↑ Recovery | (₹2,176 Cr) ↓ Decline | ₹438 Cr |
| Net Profit | ₹17,698 Cr -13.5% | ₹20,459 Cr +11.1% | ₹18,410 Cr +25.3% | ₹14,688 Cr +90.7% | ₹7,700 Cr +429.6% | ₹1,454 Cr +54.3% | ₹942 Cr -13.3% | ₹1,087 Cr |
| Profit (Owners) | ₹18,008 Cr -13.1% | ₹20,716 Cr +10.4% | ₹18,767 Cr +25.9% | ₹14,905 Cr +89.9% | ₹7,850 Cr +407.2% | ₹1,548 Cr +66.8% | ₹928 Cr -15.7% | ₹1,100 Cr |
| Minority Interest | ₹161 Cr +8.0% | ₹149 Cr +46.7% | ₹101 Cr +1.5% | ₹100 Cr +20.1% | ₹83 Cr +14.7% | ₹73 Cr +37.1% | ₹53 Cr -20.0% | ₹66 Cr |
| EPS | ₹34.83 | ₹40.06 | ₹36.29 | ₹28.82 | ₹15.18 | ₹2.99 | ₹2.01 | ₹4.16 |
| Diluted Shares | ₹517 Cr | ₹517 Cr | ₹517 Cr | ₹517 Cr | ₹517 Cr | ₹517 Cr | ₹462 Cr | ₹265 Cr |
| Other Interest | ₹3,318 Cr +479.9% | ₹572 Cr -40.1% | ₹955 Cr -51.0% | ₹1,947 Cr -0.7% | ₹1,960 Cr +2.2% | ₹1,918 Cr -4.6% | ₹2,010 Cr +83.6% | ₹1,095 Cr |
| Non Performing Assets | ₹7,141 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Profit Loss Of Associates | ₹471 Cr +15.9% | ₹406 Cr -11.6% | ₹459 Cr +44.7% | ₹317 Cr +36.3% | ₹233 Cr +39.9% | ₹166 Cr +331.9% | ₹39 Cr -51.3% | ₹79 Cr |
| Gross Non Performing Assets | ₹27,600 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Interest (RBI & Others) | ₹2,799 Cr +41.2% | ₹1,982 Cr +2.5% | ₹1,934 Cr +19.9% | ₹1,614 Cr +41.8% | ₹1,138 Cr -32.8% | ₹1,693 Cr -21.6% | ₹2,160 Cr +7.3% | ₹2,013 Cr |
Bank Of Baroda has informed the Exchange about change in Key Managerial Personnel
Bank Of Baroda has informed the Exchange about change in Management
Bank Of Baroda has informed the Exchange about transcript of Media Meet and Analyst Meet Q1 FY 2026-27
The Exchange has sought clarification from Bank Of Baroda with respect to recent news item captioned Bank of Baroda data reportedly leaked on dark web. The response from the Company is attached.
Bank Of Baroda has informed the Exchange about Disclosure under Regulation 30
The Exchange has sought clarification from Bank Of Baroda with respect to recent news item captioned Bank of Baroda data reportedly leaked on dark web. The response from the Company is awaited.
Bank Of Baroda has informed the Exchange about Link For Media Meet And Analyst Meet Held On 24.07.2026
Bank Of Baroda has informed the Exchange about Disclosure under Regulation 30
Bank Of Baroda has informed the Exchange about Investor Presentation
Bank Of Baroda has informed the Exchange about Outcome of Board Meeting- Fund Raising
Bank Of Baroda has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
Bank Of Baroda has informed the Exchange about change in Management
Bank Of Baroda has informed the Exchange about Schedule of Media Meet and Analysts Meet Q1 FY 2026-27
Bank Of Baroda has informed the Exchange about Board Meeting - Fund Raising
Bank Of Baroda has informed the Exchange about Change in Management