Bank of Baroda announced Q1FY26 results Net Profit for Q1FY26 stands at Rs 4,541 crore (+1.9% YoY) as against Rs 4,458 crore in Q1FY25. Net Interest Income for Q1FY26 stands at Rs 11,435 crore. Non-Interest Income for Q1FY26 stands at Rs 4,675 crore, up by 88% YoY. Global NIM for Q1FY26 stands at 2.91%, with Domestic NIM at 3.06%. Operating Profit for Q1FY26 increased by 15% to Rs 8,236 crore. Cost to Income ratio reduced by 30 bps YoY and stands at 48.87% for Q1FY26. Return on Assets stands at 1.03% for Q1FY26. Return on Equity stands at 15.05% for Q1FY26. Asset Quality Gross NPA of the Bank reduced by 10.7% YoY to Rs 27,572 crore in Q1FY26, with Gross NPA Ratio improving to 2.28% from 2.88% in Q1FY25. Net NPA Ratio reduced by 9 bps to 0.60% in Q1FY26. Provision Coverage Ratio stood at 93.18% (including TWO) and 74.04% (excluding TWO) for Q1FY26. Slippage Ratio stands at 1.16% for Q1FY26. Credit Cost stands at 0.55% for Q1FY26. Capital Adequacy CRAR of the Bank stands at 17.61% in Jun’25. Tier-I stood at 15.15% (CET-1 at 14.12%, AT1 at 1.03%) and Tier-II stood at 2.46% as of Jun’25. CRAR and CET-1 of the consolidated entity stands at 18.29% and 14.84% respectively. Liquidity Coverage Ratio (LCR) consolidated stands at 119% (approx.). Business Performance Domestic Advances increased to Rs 9,91,363 crore, +12.4% YoY. Global Advances increased to Rs 12,07,056 crore, +12.6% YoY. Domestic Deposits increased by 8.1% YoY to Rs 12,04,283 crore in Jun’25. Global Deposits increased by 9.1% YoY to Rs 14,35,634 crore. Domestic CASA Deposits registered a growth of 5.5% YoY and stood at Rs 4,73,637 crore as of 30th June 2025. International Deposits grew by 14.8% YoY to Rs 2,31,351 crore in Jun’25. Organic Retail Advances grew by 17.5%, led by growth in: Mortgage Loan (18.6%) Auto Loan (17.9%) Home Loan (16.5%) Education Loan (15.4%) Personal Loan (19.5%) Agriculture Loan portfolio grew by 16.2% YoY to Rs 1,61,764 crore. Organic MSME portfolio grew by 13.1% YoY to Rs 1,35,660 crore. Corporate Advances registered a growth of 4.2% YoY and stood at Rs 3,70,266 crore. Result PDF
Conference Call with Canara Bank Management and Analysts on Q1FY26 Performance and Outlook. Listen to the full earnings transcript.
Indian Bank announced Q1FY26 results Net Profit up by 23.69% YoY at Rs 2,973 crore in Jun’25 from Rs 2,403 crore in Jun’24. Operating Profit improved by 5.97% YoY to Rs 4,770 crore in Jun’25 from Rs 4,502 crore in Jun’24. Net Interest Income increased by 2.93% YoY to Rs 6,359 crore in Jun’25 from Rs 6,178 crore in Jun’24. Return on Assets (RoA) up by 14 bps to 1.34% in Jun’25 from 1.20% in Jun’24. Return on Equity (RoE) increased by 50 bps to 20.26% in Jun’25 from 19.76% in Jun’24. Yield on Advances (YoA) stood at 8.58% and Yield on Investments (YoI) at 6.96% in Jun’25. Gross Advances increased by 11.50% YoY to Rs 6,01,147 crore in Jun’25 from Rs 5,39,123 crore in Jun’24. RAM (Retail, Agriculture & MSME) advances grew by 15.93% YoY to Rs 3,63,221 crore in Jun’25 from Rs 3,13,301 crore in Jun’24. RAM contribution to gross domestic advances increased to 65.34%. Retail, Agri & MSME advances grew by 16.56%, 16.40% and 14.45% YoY respectively. Home Loan (including mortgage) grew by 10.65% YoY. Priority sector advances as a percentage of ANBC stood at 44.73% at Rs 2,11,203 crore in Jun’25 as against the regulatory requirement of 40%. Total Deposits increased by 9.26% YoY and reached to Rs 7,44,289 crore in Jun’25 as against Rs 6,81,183 crore in Jun’24. Domestic CASA ratio stood at 38.97% as on 30th Jun’25. CD ratio stood at 80.77% as on 30th Jun’25. GNPA decreased by 76 bps YoY to 3.01% in Jun’25 from 3.77% in Jun’24, NNPA reduced by 21 bps to 0.18% in Jun’25 from 0.39% in Jun’24. Provision Coverage Ratio (PCR, including TWO) improved by 154 bps YoY to 98.20% in Jun’25 from 96.66% in Jun’24. Slippage Ratio contained to 0.94% in Jun’25 in comparison to 1.50% in Jun’24. Credit Cost improved by 43 bps YoY to 0.28% in Jun’25 from 0.71% in Jun’24. Capital Adequacy Ratio stood at 17.80%. CET-I at 15.26% and Tier I Capital stood at 15.74% in Jun’25. Earnings Per Share (EPS) increased by 23.69% to Rs 88.28 in Jun’25 from Rs 71.37 in Jun’24. Result PDF