Bank of Baroda announced Q2FY26 results Net Profit for Q2FY26 stands at Rs 4,809 crore and it stands at Rs 9,351 crore for H1FY26. Net Interest Income for Q2FY26 stands at Rs 11,954 crore (+2.7% YoY) and at Rs 23,388 crore for H1FY26. Non-Interest Income for Q2FY26 stands at Rs 3,515 crore. Non-Interest Income for H1FY26 grew by 7.0% YoY and stands at Rs 8,189 crore. Global Net Interest Margin (NIM) for Q2FY26 improves by 5 bps sequentially and stands at 2.96%. It stands at 2.93% for H1FY26. Domestic Net Interest Margin (NIM) stands at 3.10% for the quarter, an improvement of 4 bps QoQ. It stands at 3.08% for H1FY26. Operating Profit for the quarter stands at Rs 7,576 crore and at Rs 15,812 crore for H1FY26. Return on Assets (ROA) remains consistently above 1 % and stands at 1.07% for Q2FY26 and 1.04% for H1FY26. Return on Equity (ROE) stands at 15.37% for Q2FY26 and at 14.95% for H1FY26. Asset Quality: Gross NPA Ratio improved to 2.16% in Q2FY26 from 2.50% in Q2FY25. The Net NPA Ratio of the Bank reduced by 3 bps YoY and stands at 0.57% in Q2FY26. BOB's balance sheet remains robust with healthy Provision Coverage Ratio (PCR) of 93.21% with TWO & at 74.13% without TWO. Slippage ratio for Q2FY26 declined by 16 bps YoY and 25 bps QoQ to 0.91 %. It stands at 0.90% for H1FY26. Credit cost remains below 0.75% at 0.29% for Q2FY26 and 0.42% for H1FY26. Capital Adequacy: CRAR of the Bank_stands at 16.54% in Sep'25. Tier-I stood at 14.15% (CET-1 at 13.36%, AT1 at 0.79%) and Tier-II stood at 2.39% as of Sep'25. The CRAR and CET-1 of consolidated entity stands at 16.97% and 13.88% respectively. The liquidity Coverage Ratio (LCR) consolidated stands at 121% (approx). Domestic Advances of the Bank increased to Rs 10,46,506 crore, +11.5% YoY. Global Advances of the Bank increased to Rs 12,78,847 crore, +11.9% YoY. Domestic Deposits increased by 9.7% YoY to Rs 12,71,992 crore in Sep'25. Global Deposits increased by 9.3% YoY to Rs 15,00,012 crore. Domestic CASA deposits registered a growth of 6.6% YoY and stands at Rs 4,88,660 crore as of 30 th September 2025. International Deposits grew by 7.2% on a YoY basis to Rs 2,28,020 crore in Sep'25. Organic Retail Advances grew by 17.6%, led by strong growth across segments such as Mortgage Loan (19.8%), Auto Loan (17.7%), Home Loan (16.5%), Education Loan (14.0%) and Personal Loan (18.6%) on a YoY basis. Agriculture loan portfolio grew by 17.4% YoY to Rs 1,69,703 crore. Organic MSME portfolio grew by 13.9% YoY to Rs 1,44,401 crore. Corporate advances registered a growth of 3.0% YoY and stands at Rs 4,00,682 crore. Result PDF