Bank of Baroda has reported strong profitability, improved asset quality, and continuous growth in business for the fourth quarter ending March 31, 2026, and the entire financial year 2025-26. The bank achieved its highest annual net profit of ₹20,021 crore for the financial year 2025-26, with a net profit of ₹5,616 crore in the fourth quarter, marking an increase of 11.2%.
The bank's board has recommended a dividend of ₹8.5 (425%) per equity share with a face value of ₹2, subject to regulatory approvals. By March 31, 2026, the bank crossed a historic figure of ₹30 lakh crore in global business. The bank's global advances increased by 16.2% to ₹14.29 lakh crore, while domestic advances grew by 14.5%.
Global deposits also rose by 12% to ₹16.48 lakh crore. In the fourth quarter of the financial year 2025-26, the bank's net interest income (NII) increased by 8.7% to ₹12,494 crore, totaling ₹47,682 crore for the entire financial year. The bank's operating profit in the fourth quarter rose by 11.5% to ₹9,069 crore, while the total for the year was recorded at ₹32,259 crore.
There was also a notable improvement in the bank's asset quality, with gross NPA (GNPA) decreasing to 1.89% and net NPA (NNPA) reaching 0.45%. The bank's provision coverage ratio (PCR), including write-offs, was 93.94%, and without write-offs, it was 76.66%, reflecting the bank's strong balance sheet. The bank's global net interest margin (NIM) was 2.89% in the fourth quarter, while the domestic NIM was recorded at 3.08%.
The bank's return on assets (ROA) remained consistently above 1%, reaching 1.15% in the fourth quarter, while the return on equity (ROE) was 17.27%. The bank also recorded strong growth in the retail, agriculture, and MSME (RAM) sectors, with the RAM portfolio's share in total advances increasing to 61%. Organic retail loans grew by 17.9%, with auto loans, mortgages, home loans, and education loans being the main contributors.
The agriculture loan portfolio increased by 20.7% to ₹1.91 lakh crore, and the MSME portfolio grew by 15.6% to ₹1.59 lakh crore. Corporate advances also saw an increase of 11.2%. On the capital adequacy front, the bank remains in a strong position, with a CRAR (CRAR) of 15.82% by March 2026, and a CET-1 ratio of 13.16%.
The bank's average liquidity coverage ratio (LCR) was approximately 127%. According to bank management, the strong financial performance, improved risk management, and balanced growth across diverse sectors will enable the bank to continue its sustainable growth in the future.
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