Bank Of Baroda has informed the Exchange about Investor Presentation
BANKBARODA · price
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Bank of Baroda reported its highest ever annual net profit of ₹20,021 crore in FY26, up 2.2% YoY, with Q4 profit at ₹5,616 crore (up 11.2% YoY). Net interest income grew 8.7% in Q4 to ₹12,494 crore on the back of 16.2% YoY growth in global advances (₹14.3 lakh crore). The bank saw strong RAM (Retail, Agriculture, MSME) growth of 17.9%, 20.7% and 15.6% respectively. Asset quality improved significantly with GNPA ratio dropping 37 bps to 1.89% and Net NPA to 0.45%. NIM remained stable at 2.89% for FY26. However, treasury income collapsed by 97.2% YoY in Q4 due to investment revaluation losses, and cost-to-income ratio worsened to 49.15% for FY26 from 47.94%.
Strong profit growth, improving asset quality, and robust loan growth are positives for shareholders. However, declining treasury income and rising cost ratios may pressure margins going forward. The bank declared a dividend of ₹8.5 per share.