Bank of Baroda Q4 PAT up 11% to ₹5,616 crore

MUMBAI

Bank of Baroda, the second largest public sector bank for the fourth quarter ended March 31, 2026 reported 11% YoY growth in Profit After Tax (PAT) at ₹5, 616 crore. 

Net Profit for the financial year (FY26) at ₹20,021 crore, grew 2.2% YoY.

The bank’s Board has recommended a dividend of ₹8.5 per equity share for FY26.

Net Interest Income (NII) for the quarter expanded by 8.7% YoY to ₹12,494 crore. For FY26 NII at ₹47,682 crore grew 2.5% YoY.

Global Net Interest Margin (NIM) for Q4FY26 stood at 2.89%. It stood at 2.89% for FY26.

Domestic Net Interest Margin (NIM) stood at 3.08% for the quarter. It stood at 3.04% for FY26. Gross NPA Ratio improved to 1.89% in the quarter from 2.26%a year ago. The Net NPA Ratio of the bank was reduced by 13 bps YoY and stood at 0.45% in Q4FY26. Domestic advances of the bank increased to ₹11,69,458 crore, up 14.5% YoY.

Global advances increased to ₹14,29,879 crore, +16.2% YoY. International advances grew by 24.4% YoY to ₹2,60,421 crore in March 2026. Domestic Deposits increased by 12.8% YoY to ₹14,01,290 crore in March 2026.

Global Deposits increased by 12.0% YoY to ₹16,48,487 crore. International deposits grew by 7.5% YoY ₹2,47,197 crore in March 2026.

The bank said retail advances grew by 17.9%, driven by strong growth across segments such as Auto Loan (20.6%), Mortgage Loan (19.3%), Home Loan (14.6%) and Education Loan (10.9%).

Agriculture loan portfolio grew by 20.7% YoY to ₹1,91,063 crore. MSME portfolio grew by 15.6% YoY to ₹1,59,786 crore. Corporate advances registered a growth of 11.2% YoY and stood at ₹ 4,56,584 crore.