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 |
08-05-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
28-04-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Fourth quarter |
| Nature of report standalone or consolidated |
Consolidated |
| Whether results are audited or unaudited |
Audited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended |
Audited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
08-05-2026
10:00:00 |
| End date and time of board meeting |
08-05-2026 16:15:00
|
| 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 |
Declaration of unmodified opinion |
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 |
01-01-2026 |
01-04-2025 |
| B |
Date of end of reporting period |
31-03-2026 |
31-03-2026 |
| C |
Whether results are audited or unaudited |
Audited |
Audited |
| D |
Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Interest earned
|
|
Interest or discount on advances or bills |
25,64,318.00 |
99,39,628.00 |
|
Income on investments |
7,07,487.00 |
28,77,332.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
63,235.00 |
2,75,183.00 |
|
Others |
1,16,333.00 |
3,37,669.00 |
|
Total interest earned |
34,51,373.00 |
1,34,29,812.00 |
| 2 |
Other income |
5,47,445.00 |
22,52,732.00 |
| 3 |
Total income |
39,98,818.00 |
1,56,82,544.00 |
|
Expenses
|
| 4 |
Interest expenses |
20,77,622.00 |
81,85,993.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
3,63,602.00 |
17,20,852.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
other operating expenses |
6,05,792.00 |
21,50,892.00 |
|
Total other operating Expenses |
6,05,792.00 |
21,50,892.00 |
|
Total Operating Expenses |
9,69,394.00 |
38,71,744.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 30,47,016.00 |
1,20,57,737.00 |
| 7 |
Operating profit before provision and contingencies |
9,51,802.00 |
36,24,807.00 |
| 8 |
Provisions other than tax and contingencies |
3,46,149.00 |
11,30,338.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 6,05,653.00 |
24,94,469.00 |
| 11 |
Provision for Tax |
40,857.00 |
5,46,753.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
5,64,796.00 |
19,47,716.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
5,64,796.00 |
19,47,716.00 |
| 15 |
Share of profit (loss) of associates
| 0.00 |
0.00 |
| 16
| Profit (loss) of minority interest
| 0.00 |
0.00 |
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 5,64,796.00 |
19,47,716.00 |
|
| 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) |
|
1,56,49,494.00 |
|
| 20 |
Analytical ratios |
| (i)
| Percentage of share held by government of India |
63.9700 |
63.9700 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
13.6500 |
13.6500 |
|
| Additional Tier 1 ratio |
0.4800 |
0.4800 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 11.22 |
38.38 |
|
Diluted earnings per share before extraordinary items
| 11.22 |
38.38 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 11.22 |
38.38 |
|
Diluted earnings per share after extraordinary items
| 11.22 |
38.38 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 0.00 |
0.00 |
|
Amount of net non-performing assets
| 0.00 |
0.00 |
|
% of gross NPAs |
0 |
0 |
|
% of net NPAs
| 0 |
0 |
|
Return on assets
| 0 |
0 |
| 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 |
31-03-2026 |
| Whether results are audited or unaudited |
Audited |
| Nature of report standalone or consolidated |
Consolidated |
| 1 |
Capital and liabilities |
|
Capital |
1,03,553.00 |
|
Reserves and surplus |
1,64,83,255.00 |
|
Deposits |
16,75,89,511.00 |
|
Borrowings |
1,70,29,659.00 |
|
Other liabilities and provisions |
|
| 1 |
Miniority Interest |
1,49,811.00 |
| 2 |
Other liabilities and provisions |
87,94,396.00 |
|
Total of Other liabilities and provisions |
89,44,207.00 |
|
Total Capital Liabilities |
21,01,50,185.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
64,68,597.00 |
|
| Balances with Banks and money at call and short notice
| 96,13,715.00 |
|
Investments |
4,35,77,760.00 |
|
Advances |
14,40,45,829.00 |
|
Fixed Assets |
12,19,705.00 |
|
Other Assets |
|
| 1 |
Other Assets |
51,33,501.00 |
| 2 |
Goodwill on Consolidation |
91,078.00 |
|
Total of Other Assets |
52,24,579.00 |
|
Total Assets |
21,01,50,185.00 |
|
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 |
01-01-2026 |
01-04-2025 |
| Date of end of reporting period |
31-03-2026 |
31-03-2026 |
| Whether results are audited or unaudited |
Audited |
Audited |
| Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Segment Revenue (Income)
|
|
| (net sale/income from each segment should be disclosed) |
| 1 |
Treasury Operations |
7,61,222.00 |
34,88,486.00 |
| 2 |
Wholesale Banking |
13,65,148.00 |
50,70,161.00 |
| 3 |
Digital Banking |
55.00 |
173.00 |
| 4 |
Other Retail Banking |
16,74,200.00 |
62,44,678.00 |
| 5 |
other Banking Operations |
1,98,193.00 |
8,79,046.00 |
|
| Total Segment Revenue
| 39,98,818.00 |
1,56,82,544.00 |
|
Less: Inter segment revenue |
|
|
|
Income from operations |
39,98,818.00 |
1,56,82,544.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
45,870.00 |
7,80,252.00 |
| 2 |
Wholesale Banking |
3,58,349.00 |
10,92,962.00 |
| 3 |
Digital Banking |
(451.00) |
(1,631.00) |
| 4 |
Other Retail Banking |
2,34,375.00 |
12,56,176.00 |
| 5 |
other Banking Operations |
19,578.00 |
73,276.00 |
|
Total Profit before tax |
6,57,721.00 |
32,01,035.00 |
|
i. Finance cost |
|
|
|
ii. Other Unallocable Expenditure net off Unallocable income
|
36,786.00 |
6,69,640.00 |
|
Profit before tax |
6,20,935.00 |
25,31,395.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
5,72,41,839.00 |
5,72,41,839.00 |
| 2 |
Wholesale Banking |
8,18,35,542.00 |
8,18,35,542.00 |
| 3 |
Digital Banking |
2,647.00 |
2,647.00 |
| 4 |
Other Retail Banking |
6,24,92,465.00 |
6,24,92,465.00 |
| 5 |
other Banking Operations |
44,01,095.00 |
44,01,095.00 |
|
Total Segment Assets |
20,59,73,588.00 |
20,59,73,588.00 |
|
Un-allocable Assets |
41,76,597.00 |
41,76,597.00 |
|
Net Segment Assets |
21,01,50,185.00 |
21,01,50,185.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
5,27,23,835.00 |
5,27,23,835.00 |
| 2 |
Wholesale Banking |
7,53,76,397.00 |
7,53,76,397.00 |
| 3 |
Digital Banking |
2,438.00 |
2,438.00 |
| 4 |
Other Retail Banking |
5,75,60,037.00 |
5,75,60,037.00 |
| 5 |
other Banking Operations |
40,53,724.00 |
40,53,724.00 |
| |
Total Segment Liabilities |
18,97,16,431.00 |
18,97,16,431.00 |
| |
Un-allocable Liabilities |
38,46,945.00 |
38,46,945.00 |
|
Net Segment Liabilities |
19,35,63,376.00 |
19,35,63,376.00 |
|
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 |
31-03-2026 |
| C |
Whether results are audited or unaudited |
Audited |
| 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 |
24,94,469.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
3,46,263.00 |
|
Adjustments for depreciation and amortisation expense |
2,04,677.00 |
|
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss
|
6,30,855.00
|
|
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 |
(1,183.00) |
|
Other adjustments to reconcile profit (loss) |
4,91,134.00 |
|
Other adjustments for non-cash items |
36,926.00 |
|
Share of profit and loss from partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Total adjustments to profit (loss) |
17,08,672.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
0.00 |
|
Adjustments for decrease (increase) in trade receivables |
(2,16,24,751.00) |
|
Adjustments for decrease (increase) in other current assets |
(82,494.00) |
|
Adjustments for increase (decrease) in trade payables |
28,66,883.00 |
|
Adjustments for increase (decrease) in other current liabilities |
1,79,19,915.00 |
|
Adjustments for provisions |
5,44,502.00 |
|
Total adjustments for working capital |
(3,75,945.00)
|
|
Total adjustments for reconcile profit (loss) |
13,32,727.00 |
|
Net cash flows from (used in) operations |
38,27,196.00 |
|
Dividends received |
0.00 |
|
Interest paid |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
4,84,585.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
33,42,611.00 |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
33,42,611.00 |
| 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 |
1,76,033.00
|
|
Proceeds from sales of tangible assets |
30,124.00 |
|
Purchase of tangible assets |
1,81,603.00 |
|
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 |
(3,27,512.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
(3,27,512.00) |
| 5 |
Cash flows from used in financing activities |
|
Proceeds from issuing shares |
279.00 |
|
Proceeds from issuing other equity instruments |
0.00 |
|
Proceeds from issuing debentures notes bonds etc |
5,81,500.00 |
|
Proceeds from borrowings |
0.00 |
|
Repayments of borrowings |
0.00 |
|
Dividends paid |
4,31,809.00 |
|
Interest paid |
3,55,587.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
25,057.00 |
|
Net cash flows from (used in) financing activities before extraordinary
items |
(1,80,560.00)
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
(1,80,560.00)
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
28,34,539.00
|
| 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 |
28,34,539.00
|
|
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 |
1,60,82,312.00 |
Details of Impact of Audit Qualification
Amount in (Lakhs)
| Whether results are audited or unaudited |
Audited |
| Declaration of unmodified opinion or statement on impact of audit qualification |
Declaration of unmodified opinion |
| Auditor's opinion |
|
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015:
The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified
opinion for the period on Standalone results |
Yes |
| Sr No. |
Audit firm's name |
Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI |
Certificate valid upto |
| 1 |
M/s Ravi Rajan & Co LLP |
Yes |
31-05-2028 |
| 2 |
M/s Gokhale & Sathe |
Yes |
28-02-2027 |
| 3 |
M/S Batliboi & Purohit |
Yes |
30-04-2028 |
| 4 |
M/s Shah Gupta & Co |
Yes |
31-12-2027 |
| 5 |
M/s V Sankar Aiyar & Co |
Yes |
30-04-2028 |