Bank of Baroda — Important, 25-07-2025: General Updates

Bank's Q1 FY26 saw robust 12.6% YoY Global Advances growth, led by a strong 17.5% jump in Retail Advances. Global Deposits rose 9.1%. Standalone Net Profit edged up 1.9% to INR 4,541 Cr, boosted by an 88% surge in Non-Interest Income, despite a 1.4% Net Interest Income dip and Net Interest Margin contraction to 2.91%. Asset quality improved, with GNPA at 2.28% and NNPA at 0.60%. Capital Adequacy strengthened to 17.61%. However, consolidated Net Profit declined 26.6% YoY to INR 3,469 Cr due to higher provisions and mixed subsidiary performance, even with accelerating digital strides.