BANK OF BARODA

The earnings call for Bank of Baroda on May 8, 2026, highlighted significant financial achievements for Q4 FY 2025-26. The bank reported a global business volume of Rs. 30.78 lakh crores, marking a 13.9% year-on-year growth. Global advances increased by 16.2%, with domestic advances growing at 14.5%. The bank's net profit for Q4 reached Rs. 5,616 crores, the highest quarterly profit in its history, reflecting an 11.2% increase year-on-year. Operating profit also rose to Rs. 9,069 crores, up 11.5% YoY. The bank's asset quality remained strong, with a GNPA ratio of 1.89% and a net NPA ratio of 0.45%. Management noted a focus on RAM (Retail, Agriculture, MSME) advances, with retail loans growing by 17.9%. The bank declared a dividend of Rs. 8.5 per share and provided guidance for loan growth of 12-14% and deposit growth of 10-12% for the upcoming year. The call concluded with a Q&A session addressing various operational and strategic queries.

Management emphasized strong financial performance and growth across key metrics.