BANK OF BARODA
P&L
Quarterly Consolidated
vs Q2 FY26
Bank of Baroda Reports Q3 FY2026 Results: 14.7% Advances Growth, 4.5% Net Profit Increase, and Improved Asset Quality
04 Feb 2026 · 4 Feb, 4:57 pm
Summary
Bank of Baroda has reported its Q3 FY2026 results with a 14.7% year-over-year growth in advances, 4.5% growth in net profit, and improved asset quality. The bank's global advances have grown by 14.7% Y-O-Y, with domestic advances growing by 13.6% and international by 19.3%. The bank has continued to focus on RAM advances, with organic retail book growing by 17.4%, agriculture at 19%, and organic MSME at 16.4%. The bank's total deposits have grown by 10.3%, with international deposits growing by 5.7% and domestic deposits by 11.1%. The bank's domestic credit deposit ratio stands at 83.89% and CASA ratio stands at 38.45%.
Key Highlights
- 1
14.7% Y-O-Y growth in advances
- 2
4.5% growth in net profit
- 3
Improved asset quality
- 4
13.6% growth in domestic advances
- 5
19.3% growth in international advances
- 6
17.4% growth in organic retail book
- 7
19% growth in agriculture
- 8
16.4% growth in organic MSME
- 9
10.3% growth in total deposits
- 10
8.6% growth in domestic CASA deposits
- 11
12.7% growth in term deposits
- 12
83.89% domestic credit deposit ratio
- 13
38.45% CASA ratio
Management Comments
Dr. Debadatta Chand
The Bank continues to pursue a sustainable, consistent and a stable operating model. The numbers you see for this quarter are consistent with regard to the numbers we see for last 10-12 quarters on the trend line scale. And our Q3 results completely aligns with regard to the fundamental core and strong operating model. Again, reflecting a continuous focus on the organic growth and also it is a normalized quarter for us.
Mr. 1 VL Sridhar
It is my privilege to present before you the financial highlights of Bank of Baroda for the quarter and the 9 months period ended on 31°t December 2025. Our global advances have grown by 14.7% Y-O-Y, with domestic advances growing by 13.6% and international by 19.3%. Within the advances book, the Bank has continued to focus on RAM advances. Our organic retail book grew by 17.4%, agriculture at 19% and organic MSME at 16.4%. Corporate loans have grown by 8.1% Y-O-Y.
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