INTEGRATED FILING — BANKING
General information about company
| Scrip code |
532134 |
| NSE Symbol |
BANKBARODA |
| MSEI Symbol |
NOTLISTED |
| ISIN |
INE028A01039 |
| Name of bank |
Bank Of Baroda |
| Class of security |
Equity |
| Date of start of financial year |
01-04-2025 |
| Date of end of financial year |
31-03-2026 |
| Date of board meeting when results were approved |
31-10-2025 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
23-10-2025 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Second quarter |
| Nature of report standalone or consolidated |
Consolidated |
| Whether results are audited or unaudited |
Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended |
Unaudited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
31-10-2025
10:30:00 |
| End date and time of board meeting |
31-10-2025 16:30:00
|
| Whether cash flow statement is applicable on company |
Yes |
| Type of cash flow statement |
Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification |
Not applicable |
Financial Results - Banking
Amount in (Lakhs)
| Particulars |
3 months/ 6 months ended (dd-mm-yyyy) |
Year to date figures for current period ended (dd-mm-yyyy) |
| A |
Date of start of reporting period |
01-07-2025 |
01-04-2025 |
| B |
Date of end of reporting period |
30-09-2025 |
30-09-2025 |
| C |
Whether results are audited or unaudited |
Unaudited |
Unaudited |
| D |
Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Interest earned
|
|
Interest or discount on advances or bills |
24,35,325.00 |
48,82,288.00 |
|
Income on investments |
7,28,440.00 |
14,50,704.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
75,680.00 |
1,41,611.00 |
|
Others |
92,379.00 |
1,43,852.00 |
|
Total interest earned |
33,31,824.00 |
66,18,455.00 |
| 2 |
Other income |
5,11,586.00 |
10,65,371.00 |
| 3 |
Total income |
38,43,410.00 |
76,83,826.00 |
|
Expenses
|
| 4 |
Interest expenses |
20,19,135.00 |
40,49,789.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
4,41,150.00 |
9,08,336.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
other operating expenses |
5,33,847.00 |
10,17,860.00 |
|
Total other operating Expenses |
5,33,847.00 |
10,17,860.00 |
|
Total Operating Expenses |
9,74,997.00 |
19,26,196.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 29,94,132.00 |
59,75,985.00 |
| 7 |
Operating profit before provision and contingencies |
8,49,278.00 |
17,07,841.00 |
| 8 |
Provisions other than tax and contingencies |
1,79,781.00 |
5,21,378.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 6,69,497.00 |
11,86,463.00 |
| 11 |
Provision for Tax |
1,62,467.00 |
3,44,245.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
5,07,030.00 |
8,42,218.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
5,07,030.00 |
8,42,218.00 |
| 15 |
Share of profit (loss) of associates
| 11,033.00 |
27,563.00 |
| 16
| Profit (loss) of minority interest
| 4,707.00 |
9,509.00 |
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 5,13,356.00 |
8,60,272.00 |
|
| 18 |
Details of equity share capital [Abstract]
|
|
Paid-up equity share capital
| 1,03,553.00 |
1,03,553.00 |
|
Face value of equity share capital
| 2 |
2 |
| 19 |
Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) |
|
|
|
| 20 |
Analytical ratios |
| (i)
| Percentage of share held by government of India |
63.9700 |
63.9700 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
13.8800 |
13.8800 |
|
| Additional Tier 1 ratio |
0.7700 |
0.7700 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 9.93 |
16.64 |
|
Diluted earnings per share before extraordinary items
| 9.93 |
16.64 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 9.93 |
16.64 |
|
Diluted earnings per share after extraordinary items
| 9.93 |
16.64 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 27,59,975.00 |
27,59,975.00 |
|
Amount of net non-performing assets
| 7,14,088.00 |
7,14,088.00 |
|
% of gross NPAs |
2.1600 |
2.1600 |
|
% of net NPAs
| 0.5700 |
0.5700 |
|
Return on assets
| 1.0700 |
1.0400 |
| 21 |
Disclosure of notes on financial results by banks
| |
Statement of Asset and Liabilities
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy)
|
| Date of start of reporting period |
01-04-2025 |
| Date of end of reporting period |
30-09-2025 |
| Whether results are audited or unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
| 1 |
Capital and liabilities |
|
Capital |
1,03,553.00 |
|
Reserves and surplus |
1,59,21,484.00 |
|
Deposits |
15,25,20,392.00 |
|
Borrowings |
1,48,24,661.00 |
|
| Other liabilities and provisions |
79,85,643.00 |
|
Total Capital Liabilities |
19,13,55,733.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
51,99,416.00 |
|
| Balances with Banks and money at call and short notice
| 75,39,396.00 |
|
Investments |
4,33,73,333.00 |
|
Advances |
12,87,05,860.00 |
|
Fixed Assets |
132326800000 |
|
Other Assets |
52,14,460.00 |
|
Total Assets |
19,13,55,733.00 |
|
Disclosure of notes on assets and liabilities |
|
Text Block
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Amount in (Lakhs)
| Particulars |
3 months/ 6 months ended (dd-mm-yyyy) |
Year to date figures for current period ended (dd-mm-yyyy) |
| Date of start of reporting period |
01-07-2025 |
01-04-2025 |
| Date of end of reporting period |
30-09-2025 |
30-09-2025 |
| Whether results are audited or unaudited |
Unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Segment Revenue (Income)
|
|
| (net sale/income from each segment should be disclosed) |
| 1 |
Treasury Operations |
9,72,499.00 |
19,89,350.00 |
| 2 |
Wholesale Banking |
11,89,355.00 |
23,94,888.00 |
| 3 |
Retail Banking - (i) Digital Banking |
39.00 |
74.00 |
| 4 |
Retail Banking - (ii) Other Retail Banking |
14,63,512.00 |
29,51,939.00 |
| 5 |
Other Banking Operations |
2,18,005.00 |
3,47,575.00 |
|
| Total Segment Revenue
| 38,43,410.00 |
76,83,826.00 |
|
Less: Inter segment revenue |
|
|
|
Income from operations |
38,43,410.00 |
76,83,826.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
3,20,433.00 |
6,89,629.00 |
| 2 |
Wholesale Banking |
2,25,145.00 |
4,46,114.00 |
| 3 |
Retail Banking - (i) Digital Banking |
(424.00) |
(787.00) |
| 4 |
Retail Banking - (ii) Other Retail Banking |
2,77,003.00 |
5,24,164.00 |
| 5 |
Other Banking Operations |
15,415.00 |
25,503.00 |
|
Total Profit before tax |
8,37,572.00 |
16,84,623.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
1,61,749.00 |
4,80,106.00 |
|
Profit before tax |
6,75,823.00 |
12,04,517.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
5,40,77,824.00 |
5,40,77,824.00 |
| 2 |
Wholesale Banking |
7,23,72,101.00 |
7,23,72,101.00 |
| 3 |
Retail Banking - (i) Digital Banking |
1,854.00 |
1,854.00 |
| 4 |
Retail Banking - (ii) Other Retail Banking |
5,71,37,642.00 |
5,71,37,642.00 |
| 5 |
Other Banking Operations |
39,45,269.00 |
39,45,269.00 |
|
Total Segment Assets |
18,75,34,690.00 |
18,75,34,690.00 |
|
Un-allocable Assets |
38,21,043.00 |
38,21,043.00 |
|
Net Segment Assets |
19,13,55,733.00 |
19,13,55,733.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
4,95,87,392.00 |
4,95,87,392.00 |
| 2 |
Wholesale Banking |
6,63,62,577.00 |
6,63,62,577.00 |
| 3 |
Retail Banking - (i) Digital Banking |
1,700.00 |
1,700.00 |
| 4 |
Retail Banking - (ii) Other Retail Banking |
5,23,93,133.00 |
5,23,93,133.00 |
| 5 |
Other Banking Operations |
36,17,668.00 |
36,17,668.00 |
| |
Total Segment Liabilities |
17,19,62,470.00 |
17,19,62,470.00 |
| |
Un-allocable Liabilities |
35,03,759.00 |
35,03,759.00 |
|
Net Segment Liabilities |
17,54,66,229.00 |
17,54,66,229.00 |
|
Disclosure of notes on segments |
|
Cash Flow Statement, Indirect
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy) |
| A |
Date of start of reporting period |
01-04-2025 |
| B |
Date of end of reporting period |
30-09-2025 |
| C |
Whether results are audited or unaudited |
Unaudited |
| D |
Nature of report standalone or consolidated |
Consolidated |
| 1 |
Statement of cash flows |
|
Cash flows from used in operating activities |
|
Profit before extraordinary items and tax |
11,86,463.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
1,75,846.00 |
|
Adjustments for depreciation and amortisation expense |
74,949.00 |
|
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss
|
2,77,640.00
|
|
Adjustments for unrealised foreign exchange losses gains |
0.00 |
|
Adjustments for dividend income |
0.00 |
|
Adjustments for share-based payments |
0.00 |
|
Other adjustments for which cash effects are investing or financing cash flow |
(530.00) |
|
Other adjustments to reconcile profit (loss) |
2,66,642.00 |
|
Other adjustments for non-cash items |
18,054.00 |
|
Share of profit and loss from partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Total adjustments to profit (loss) |
8,12,601.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
0.00 |
|
Adjustments for decrease (increase) in trade receivables |
(57,07,935.00) |
|
Adjustments for decrease (increase) in other current assets |
(51,874.00) |
|
Adjustments for increase (decrease) in trade payables |
14,17,884.00 |
|
Adjustments for increase (decrease) in other current liabilities |
28,51,596.00 |
|
Adjustments for provisions |
3,23,297.00 |
|
Total adjustments for working capital |
(11,67,032.00)
|
|
Total adjustments for reconcile profit (loss) |
(3,54,431.00) |
|
Net cash flows from (used in) operations |
8,32,032.00 |
|
Dividends received |
0.00 |
|
Interest paid |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
3,93,657.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
4,38,375.00 |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
4,38,375.00 |
| 4 |
Cash flows from used in investing activities |
|
Cash flows from losing control of subsidiaries or other businesses |
0.00 |
|
Cash flows used in obtaining control of subsidiaries or other businesses |
0.00
|
|
Other cash receipts from sales of equity or debt instruments of other entities |
0.00 |
|
Other cash payments to acquire equity or debt instruments of other entities |
0.00
|
|
Other cash receipts from sales of interests in joint ventures |
0.00 |
|
Other cash payments to acquire interests in joint ventures |
0.00
|
|
Cash receipts from share of profits of partnership firm or association of persons or
limited liability partnerships |
0.00
|
|
Cash payment for investment in partnership firm or association of persons or limited
liability partnerships |
1,63,984.00
|
|
Proceeds from sales of tangible assets |
20,902.00 |
|
Purchase of tangible assets |
87,043.00 |
|
Proceeds from sales of intangible assets |
0.00 |
|
Purchase of intangible assets |
0.00 |
|
Cash advances and loans made to other parties |
0.00 |
|
Cash receipts from repayment of advances and loans made to other parties |
0.00
|
|
Cash payments for future contracts, forward contracts, option contracts and swap contracts
|
0.00 |
|
Cash receipts from future contracts, forward contracts, option contracts and swap
contracts |
0.00 |
|
Dividends received |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Proceeds from government grants |
0.00 |
|
Net cash flows from (used in) investing activities before extraordinary
items |
(2,30,125.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
(2,30,125.00) |
| 5 |
Cash flows from used in financing activities |
|
Proceeds from issuing shares |
27.00 |
|
Proceeds from issuing other equity instruments |
0.00 |
|
Proceeds from issuing debentures notes bonds etc |
(1,74,500.00) |
|
Proceeds from borrowings |
0.00 |
|
Repayments of borrowings |
0.00 |
|
Dividends paid |
4,31,809.00 |
|
Interest paid |
1,21,705.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
10,776.00 |
|
Net cash flows from (used in) financing activities before extraordinary
items |
(7,17,211.00)
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
(7,17,211.00)
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
(5,08,961.00)
|
| 6 |
Effect of exchange rate changes on cash and cash equivalents |
|
Effect of exchange rate changes on cash and cash equivalents |
0.00 |
|
Net increase (decrease) in cash and cash equivalents |
(5,08,961.00)
|
|
Cash and cash equivalents cash flow statement at beginning of period |
1,32,47,773.00 |
|
Cash and cash equivalents cash flow statement at end of period |
1,27,38,812.00 |