BANKBARODA

Recent News & February Updates

1. Q3 FY26 Financial Results (Quarter Ended Dec 31, 2025) Bank of Baroda reported its Q3 numbers on January 30, 2026, delivering a stable performance characterized by improved asset quality, though core income growth was flat. Net Profit: ₹5,055 Crore, up 4.5% YoY (vs ₹4,837 Crore in Q3 FY25). Net Interest Income (NII): ₹11,800 Crore, largely flat YoY (+0.1%). Insight: The flat NII indicates that the "Cost of Deposits" is rising faster than the yield on loans, squeezing margins slightly (NIM at 2.79%). Asset Quality (The Highlight): Gross NPA: Improved significantly to 2.04% (down from 2.43% YoY). Net NPA: Stood at 0.57%, reflecting a very clean balance sheet. Slippage Ratio: Fresh slippages were at a record low of 0.86%. Business Growth: Global Advances: Grew 14.7% YoY to ₹13.44 Lakh Crore, led by Retail, Agriculture, and MSME (RAM) segments.