BoB Q4 Results: Record Profits as Global Business Crosses INR 30 Lakh Crore..

Varahi media.com online news,MUMBAI,May 8th,2026: Bank of Baroda (BoB) has reported its highest-ever quarterly net profit, capping off a robust financial year 2025-26 marked by significant business expansion and improving asset quality. The bank’s net profit for the fourth quarter jumped 11.2% year-on-year to INR 5,616 crore, while annual profits breached the INR 20,000 crore mark for the first time.

In light of these strong results, the Board of Directors has recommended a dividend of INR 8.5 per equity share (425% of face value) for the financial year ended March 31, 2026.

Key Financial Milestones
The bank achieved a historic milestone as its total global business surpassed INR 30 lakh crore. Key financial indicators for the year include:

Annual Net Profit: INR 20,021 crore, reflecting a steady growth momentum.

Net Interest Income (NII): Expanded by 8.7% in Q4 to INR 12,494 crore.

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Operating Profit: Rose 11.5% in the final quarter to reach INR 9,069 crore.

Efficiency Ratios: Return on Assets (RoA) remained healthy at 1.06% for the full year, with Return on Equity (RoE) climbing to 17.27% in Q4.

Strong Loan Growth and Asset Quality
Bank of Baroda witnessed broad-based growth in its lending portfolio, with global advances rising 16.2% YoY to INR 14,29,879 crore.

Retail Momentum: Organic retail loans grew by 17.9%, led by high demand in Auto Loans (20.6%), Mortgages (19.3%), and Home Loans (14.6%).

Sectoral Gains: The RAM (Retail, Agriculture, and MSME) portfolio now accounts for 61% of total advances.

Deposit Base: Global deposits increased by 12% to INR 16,48,487 crore, supported by a 9.8% growth in domestic CASA (Current Account Savings Account) deposits.

The bank continues to strengthen its balance sheet, reporting a sharp decline in Non-Performing Assets (NPAs). The Gross NPA ratio improved to 1.89% (down from 2.26% last year), while Net NPA dropped to a lean 0.45%. The Provision Coverage Ratio (PCR) remains robust at 93.94%.

Capital Position
As of March 31, 2026, the bank’s Capital Adequacy Ratio (CRAR) stood at 15.82%, with a Common Equity Tier-1 (CET-1) ratio of 13.16%, indicating a strong capital cushion to support future growth.

The bank managed to reduce its cost of deposits to 4.87% for the full year, helping maintain a stable Net Interest Margin (NIM) of 2.89% despite a dynamic interest rate environment.