Bank of Baroda Q3 FY26: net profit up 4.5% YoY at Rs 5,055 cr, NPA improves

Emphasis Of MatterEbitda Margin CompressionResults View source PDF Explain this filing

BANKBARODA · price

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Price reactionminutes from the announcement price · days from the prior close

-7.2%Reaction day

₹300.00

prior close

₹279.00

announcement price

After-mkt

timing

Nifty 100market · index membership as recorded later (tracked since Jun 2026)-1.0%-6.3% vs market

Public Sector Bank peers, median of 11sector-3.3%-3.9% vs sector

On the reaction day the stock moved 6.3 pts less than Nifty 100 and 3.9 pts less than its Public Sector Bank peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

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15m

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Sessions after the filingfrom the prior close

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Reaction day

-7.2-1.0-6.3-3.3-3.9

Next day

-4.7+1.6-6.3-2.4-2.2

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-4.0+1.5-5.5-1.3-2.7

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15d

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-16.7-10.0-6.6-11.2-5.5

-11.4-3.3-8.0-8.8-2.6

UpDownMarket · Nifty 100Sector · Public Sector Bank peers, median of 11Pending

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AI summary

Bank of Baroda posted Q3 FY26 standalone net profit of Rs 5,054.63 crore, up 4.5% YoY. Total income rose 1.9% YoY to Rs 35,349.91 crore. Nine-month PAT slipped 0.9% to Rs 14,405.38 crore. Gross NPA improved to 2.04% from 2.43% YoY. Net NPA steady at 0.57%. Capital adequacy at 15.29% versus 16.54% QoQ. Operating margin compressed to 20.87% from 22.10% YoY. EPS at Rs 9.77. Auditors flagged emphasis of matter on family pension liability amortization. 5 joint auditors gave unmodified opinion.

Likely market impact

Steady quarterly show with asset quality gains, but margin compression and lower capital adequacy are watchpoints. Emphasis of matter noted.