Bank of Baroda's Q3 FY 2025-26 Quarterly Results
- 31 Jan 2026
Result Summary
- Bank of Baroda reported a 4.1% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Dec (Q3 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 6.0%.
- Its expenses for the quarter were up by 1.4% QoQ and 3.6% YoY.
- The net profit increased 6.2% QoQ and increased 4.8% YoY.
- The earnings per share (EPS) of Bank of Baroda stood at 10.53 during Q3 FY 2025-26.
Financial Statments for Q3 FY 2025-26
Total Income | 39999.00 | 38434.10 | 37732.49 | 4.1% | 6.0% |
Total Expenses | 30347.36 | 29941.32 | 29300.77 | 1.4% | 3.6% |
Provisions & contingencies | 2628.11 | 1797.81 | 1496.89 | 46.2% | 75.6% |
Profit Before Tax | 7023.53 | 6694.97 | 6934.83 | 4.9% | 1.3% |
Tax | 1616.51 | 1624.67 | 1818.01 | -0.5% | -11.1% |
Profit After Tax | 5500.66 | 5180.63 | 5249.74 | 6.2% | 4.8% |
Earnings Per Share | 10.53 | 9.93 | 10.08 | 6.0% | 4.5% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
Bank of Baroda is a prominent financial institution in the Indian banking industry, offering a wide range of banking and financial services. As a public sector bank, it provides services such as retail banking, corporate banking, and treasury operations. The bank is recognized for its extensive network of branches and ATMs across India, as well as its presence in several international markets. However, specific recent major developments were not provided in the data.
Revenue
In Q3FY26, Bank of Baroda reported a total income of ₹39,999.00 crores, marking a 4.1% increase quarter-over-quarter (QoQ) from ₹38,434.10 crores in Q2FY26 and a 6.0% increase year-over-year (YoY) from ₹37,732.49 crores in Q3FY25. This growth in total income reflects the bank's ability to generate higher revenue over both comparative periods. The increase in total income may have been driven by improvements in interest income, fee-based income, or both, although specific details are not provided.
Profitability
The bank's profitability in Q3FY26 is demonstrated by a profit before tax (PBT) of ₹7,023.53 crores, which reflects a 4.9% increase QoQ from ₹6,694.97 crores in Q2FY26 and a 1.3% increase YoY from ₹6,934.83 crores in Q3FY25. Profit after tax (PAT) for the quarter stood at ₹5,500.66 crores, up 6.2% QoQ and 4.8% YoY. The tax expense for Q3FY26 was ₹1,616.51 crores, showing a slight decrease of 0.5% QoQ and an 11.1% decrease YoY. This reduction in tax liability contributed positively to the net profitability of the bank.
Operating Metrics
Total expenses for Q3FY26 amounted to ₹30,347.36 crores, a 1.4% increase QoQ from ₹29,941.32 crores in Q2FY26 and a 3.6% increase YoY from ₹29,300.77 crores in Q3FY25. Provisions and contingencies saw a significant rise, with a QoQ increase of 46.2% and a YoY increase of 75.6%, reaching ₹2,628.11 crores in Q3FY26. Earnings per share (EPS) for the quarter were ₹10.53, reflecting a 6.0% increase QoQ and a 4.5% increase YoY. The increase in provisions may indicate a strategic move to strengthen the bank's buffer against potential loan defaults or other financial risks.