BANKBARODA · Financial Services
Bank of Baroda reported total income of ₹33,211 cr for April to June 2026, — on the year and — on the quarter.
Net profit was ₹1,278 cr, — on the year and — on the quarter, with earnings per share of ₹2.47.
A bank's quarter turns on loan growth, the margin it earns over its cost of deposits, and credit costs. Total income and profit are in the statements; bad loans, provisions and the net interest margin come from the filing. The quarterly statements do not carry gross and net NPA, provision cover, credit cost and NIM; those come with the filing read.
Written from the quarterly statements. The filing read adds the balance sheet and cash flow, the auditor's review, segment results, one-off items line by line and what management said on the call.
An exceptional item is a large part of pre-tax profit. What was it?
Exceptional −₹5,680 cr against profit before tax of ₹1,804 cr.
Source: Results filing
Could not run on this quarter: Swing to loss or profit, Auditor's review or audit report, IPO money used as stated, Related-party transactions, Exits, postponements, restatements, Promoter pledges and allotments, Earlier promises against delivery, When the results were filed, Asset quality (lenders), Net interest margin (lenders), Net interest income against profit (lenders). Most need the filing read (balance sheet, cash flow, auditor, disclosures).
| Metric | Q1 FY27 | Q2 FY26 |
|---|---|---|
| NIM | 2.77% | 2.96% |
| Gross NPA | 1.99% | 2.16% |
| Net NPA | 0.5% | 0.57% |
| Provision cover | 93.28% | 93.21% |
| Slippage ratio | 0.91% | 0.91% |
| Credit cost | 0.29% | 0.29% |
| CASA | 37.72% | 38.42% |
| CET1 | 13.16% | 13.36% |
| Capital adequacy | 15.82% | 16.54% |
| Cost to income | 49.19% | 51.02% |
| Fresh Slippages (₹ crore) | 3,183 | 2,669 |
| Global Gross Advances (₹ crore) | 1,416,898 | 1,278,847 |
| Global Deposits (₹ crore) | 1,633,558 | 1,500,012 |
Read using the Banks framework (named in the filing read). Primary valuation lens: P/B against RoA.
Read more closely in this sector: Restructured book against NPA movement · Top-20 borrower concentration · Lending to related parties · Any change in provisioning or write-off policy · Write-offs against slippages.
| Q2 FY26 | Q1 FY27 | Q2 FY27 | |
|---|---|---|---|
| Total income | ₹31,511 cr | ₹33,211 cr | ₹35,085 cr |
| YoY | — | — | +11% |
| Exceptional items | — | −₹5,680 cr | — |
| Tax rate | 24% | 29% | 28% |
| Net profit | ₹4,809 cr | ₹1,278 cr | ₹6,532 cr |
| YoY | — | — | +36% |
| EPS | ₹9.30 | ₹2.47 | ₹12.63 |
| Flags | · | 1 | 3 |
Each quarter is read with the same rules. Balance-sheet and cash checks run on half-year and annual quarters; filing-read checks run where a read exists.
Bank of Baroda reported total income of ₹33,211 cr (— on the year) and net profit of ₹1,278 cr (— on the year) for April to June 2026.
1 check raised a question: An exceptional item is a large part of pre-tax profit. What was it?
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