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 |
01-04-2026 |
| Date of end of financial year |
31-03-2027 |
| Date of board meeting when results were approved |
30-10-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
21-10-2026 |
| 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 |
30-10-2026
10:30:00 |
| End date and time of board meeting |
30-10-2026 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 |
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 |
01-07-2026 |
01-04-2026 |
| B |
Date of end of reporting period |
30-09-2026 |
30-09-2026 |
| 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 |
27,65,708.00 |
54,05,687.00 |
|
Income on investments |
8,29,154.00 |
15,84,381.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
72,195.00 |
1,42,855.00 |
|
Others |
35,002.00 |
80,588.00 |
|
Total interest earned |
37,02,059.00 |
72,13,511.00 |
| 2 |
Other income |
8,76,312.00 |
14,96,531.00 |
| 3 |
Total income |
45,78,371.00 |
87,10,042.00 |
|
Expenses
|
| 4 |
Interest expenses |
22,66,048.00 |
43,96,161.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
4,96,808.00 |
9,57,942.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other Operating Expenses |
5,48,098.00 |
10,30,128.00 |
|
Total other operating Expenses |
5,48,098.00 |
10,30,128.00 |
|
Total Operating Expenses |
10,44,906.00 |
19,88,070.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 33,10,954.00 |
63,84,231.00 |
| 7 |
Operating profit before provision and contingencies |
12,67,417.00 |
23,25,811.00 |
| 8 |
Provisions other than tax and contingencies |
3,40,689.00 |
6,10,506.00 |
| 9 |
Exceptional items |
0.00 |
(5,68,023.00) |
| 10 |
Total profit (loss) from ordinary activities before tax
| 9,26,728.00 |
11,47,282.00 |
| 11 |
Provision for Tax |
2,62,823.00 |
3,26,118.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
6,63,905.00 |
8,21,164.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
6,63,905.00 |
8,21,164.00 |
| 15 |
Share of profit (loss) of associates
| 15,332.00 |
41,999.00 |
| 16
| Profit (loss) of minority interest
| 5,509.00 |
11,106.00 |
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 6,73,728.00 |
8,52,057.00 |
|
| 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 |
14.6500 |
14.6500 |
|
| Additional Tier 1 ratio |
0.500 |
0.500 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 13.03 |
16.48 |
|
Diluted earnings per share before extraordinary items
| 13.03 |
16.48 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 13.03 |
16.48 |
|
Diluted earnings per share after extraordinary items
| 13.03 |
16.48 |
| (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
| 1.2400 |
0.7900 |
| 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 |
01-04-2026 |
| Date of end of reporting period |
30-09-2026 |
| 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 |
1,73,74,569.00 |
|
Deposits |
17,75,09,644.00 |
|
Borrowings |
1,83,47,136.00 |
|
Other liabilities and provisions |
|
| 1 |
Minority Interest |
1,58,935.00 |
| 2 |
Other liabilities and provisions |
96,52,886.00 |
|
Total of Other liabilities and provisions |
98,11,821.00 |
|
Total Capital Liabilities |
22,31,46,723.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
56,31,446.00 |
|
| Balances with Banks and money at call and short notice
| 77,47,689.00 |
|
Investments |
5,02,21,440.00 |
|
Advances |
15,24,54,715.00 |
|
Fixed Assets |
12,01,365.00 |
|
Other Assets |
|
| 1 |
Other Assets |
57,98,990.00 |
| 2 |
Goodwill on Consolidation |
91,078.00 |
|
Total of Other Assets |
58,90,068.00 |
|
Total Assets |
22,31,46,723.00 |
|
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 |
01-07-2026 |
01-04-2026 |
| Date of end of reporting period |
30-09-2026 |
30-09-2026 |
| 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 |
12,88,987.00 |
21,60,594.00 |
| 2 |
Wholesale Banking |
13,63,556.00 |
26,92,203.00 |
| 3 |
Digital Banking |
84.00 |
150.00 |
| 4 |
Other Retail Banking |
16,85,734.00 |
32,94,550.00 |
| 5 |
Other Banking Operations |
2,40,010.00 |
5,62,545.00 |
| 6 |
Exceptional Items |
0.00 |
0.00 |
|
| Total Segment Revenue
| 45,78,371.00 |
87,10,042.00 |
|
Less: Inter segment revenue |
0.00 |
0.00 |
|
Income from operations |
45,78,371.00 |
87,10,042.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
6,35,327.00 |
8,05,790.00 |
| 2 |
Wholesale Banking |
1,48,652.00 |
4,97,947.00 |
| 3 |
Digital Banking |
(442.00) |
(818.00) |
| 4 |
Other Retail Banking |
2,60,271.00 |
6,44,444.00 |
| 5 |
Other Banking Operations |
11,736.00 |
57,073.00 |
| 6 |
Exceptional Items |
0.00 |
(5,68,023.00) |
|
Total Profit before tax |
10,55,544.00 |
14,36,413.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
1,18,994.00 |
2,58,239.00 |
|
Profit before tax |
9,36,550.00 |
11,78,174.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
6,09,08,794.00 |
6,09,08,794.00 |
| 2 |
Wholesale Banking |
8,75,90,826.00 |
8,75,90,826.00 |
| 3 |
Digital Banking |
4,215.00 |
4,215.00 |
| 4 |
Other Retail Banking |
6,57,95,903.00 |
6,57,95,903.00 |
| 5 |
Other Banking Operations |
47,64,986.00 |
47,64,986.00 |
| 6 |
Exceptional Items |
0.00 |
0.00 |
|
Total Segment Assets |
21,90,64,724.00 |
21,90,64,724.00 |
|
Un-allocable Assets |
40,81,999.00 |
40,81,999.00 |
|
Net Segment Assets |
22,31,46,723.00 |
22,31,46,723.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
5,61,38,070.00 |
5,61,38,070.00 |
| 2 |
Wholesale Banking |
8,07,30,214.00 |
8,07,30,214.00 |
| 3 |
Digital Banking |
3,885.00 |
3,885.00 |
| 4 |
Other Retail Banking |
6,06,42,393.00 |
6,06,42,393.00 |
| 5 |
Other Banking Operations |
43,91,765.00 |
43,91,765.00 |
| 6 |
Exceptional Items |
0.00 |
0.00 |
| |
Total Segment Liabilities |
20,19,06,327.00 |
20,19,06,327.00 |
| |
Un-allocable Liabilities |
37,62,274.00 |
37,62,274.00 |
|
Net Segment Liabilities |
20,56,68,601.00 |
20,56,68,601.00 |
|
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 |
01-04-2026 |
| B |
Date of end of reporting period |
30-09-2026 |
| 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 |
11,47,282.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
1,96,558.00 |
|
Adjustments for depreciation and amortisation expense |
46,100.00 |
|
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss
|
3,49,742.00
|
|
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 |
(253.00) |
|
Other adjustments to reconcile profit (loss) |
8,77,575.00 |
|
Other adjustments for non-cash items |
30,893.00 |
|
Share of profit and loss from partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Total adjustments to profit (loss) |
15,00,615.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
0.00 |
|
Adjustments for decrease (increase) in trade receivables |
(1,52,99,813.00) |
|
Adjustments for decrease (increase) in other current assets |
(1,97,850.00) |
|
Adjustments for increase (decrease) in trade payables |
3,04,578.00 |
|
Adjustments for increase (decrease) in other current liabilities |
99,20,133.00 |
|
Adjustments for provisions |
3,69,907.00 |
|
Total adjustments for working capital |
(49,03,045.00)
|
|
Total adjustments for reconcile profit (loss) |
(34,02,430.00) |
|
Net cash flows from (used in) operations |
(22,55,148.00) |
|
Dividends received |
0.00 |
|
Interest paid |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
7,93,758.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
(30,48,906.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
(30,48,906.00) |
| 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 |
53,706.00
|
|
Proceeds from sales of tangible assets |
9,448.00 |
|
Purchase of tangible assets |
85,742.00 |
|
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 |
(1,30,000.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
(1,30,000.00) |
| 5 |
Cash flows from used in financing activities |
|
Proceeds from issuing shares |
327.00 |
|
Proceeds from issuing other equity instruments |
0.00 |
|
Proceeds from issuing debentures notes bonds etc |
10,12,899.00 |
|
Proceeds from borrowings |
0.00 |
|
Repayments of borrowings |
0.00 |
|
Dividends paid |
4,39,566.00 |
|
Interest paid |
1,07,055.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
9,124.00 |
|
Net cash flows from (used in) financing activities before extraordinary
items |
4,75,729.00
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
4,75,729.00
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
(27,03,177.00)
|
| 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 |
(27,03,177.00)
|
|
Cash and cash equivalents cash flow statement at beginning of period |
1,60,82,312.00 |
|
Cash and cash equivalents cash flow statement at end of period |
1,33,79,135.00 |