General Updates

BCC:ISD:118:16:308 20.06.2026 The Vice-President, The Vice-President, B S E Ltd. National Stock Exchange of India Ltd. Phiroze Jeejeebhoy Towers Exchange Plaza, Dalal Street Bandra Kurla Complex, Bandra (E) Mumbai – 400 001 Mumbai – 400 051 BSE CODE-532134 CODE-BANKBARODA Madam / Dear Sir, Re: Bank of Baroda – Investor Presentation Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. please find herewith the enclosed copy of Investor Presentation with regard to the Investor Engagement Meeting on 22nd June 2026. A copy of the Investor Presentation will also be made available on the Bank's website i.e. www.bankofbaroda.bank.in. This is for your information and records. Yours faithfully, S Balakumar Company Secretary बडौदा कॉप(cid:574)रेट स(cid:581)टर, सी-26, जी-(cid:222) लॉक, बा(cid:219)(cid:289)ा कुला(cid:91) कॉ(cid:224) (cid:220) ल(cid:200)े स, मुंबई 400 051, भारत. Baroda Corporate Centre, Bandra Kurla Complex, Mumbai 400 051, India फोन / Ph : 91 22 6698 5812 ई मेल / E Mail : companysecretary.bcc@bankofbaroda.bank.in वेब / Web : www.bankofbaroda.bank.in INVESTOR PRESENTATION June 2026 Figures in $Mn (1 USD = Rs. 94.8350)* *FEDAI, as of 30 March 2026 Indian Economy Outlook – Fastest Growing Major Economy IMF Global Growth Forecast (1) India GDP per capita, PPP (2024) (2) Real GDP, AnnualPercentChange USD Thousands 11.2 10.3 7.2 7.0 2019 2020 2021 2022 2023 2024 Inflation Rate, Average Consumer Prices (2025) (3) Gross savings (% of GDP) (2024) (4) AnnualPercent Change 42.8 34.7 30.3 31.1 30.1 3.4 3.2 3.2 23.8 2.7 2.6 2.1 2.3 2.1 2.1 2.1 1.9 1.7 1.6 1.4 17.8 0.0 14.1 13.6 -0.1 India China Indonesia Japan Turkey Thailand US Brazil South Africa Source: (1) World Economy Outlook (April 2026); (2) World Bank; (3) IMF; (4) World Bank aidnI aissuR lizarB KU acirfA htuoS napaJ SU nedewS ynamreG aerA oruE aeroK htuoS adanaC aisenodnI senippilihP ylatI aisyalaM ecnarF anihC dnaliahT 6.5 2025 2026F 2027F 3.13.2 2.3 2.3 1.92.0 2.1 2.1 1.4 1.11.2 1.3 0.81.3 1.11.01.3 1.01.1 India China World Brazil US Euro Area UK South Russia Africa Key Strengths Strong domestic presence through 8,648 branches & >10,000 ATMs Well distributed branch network with 34.5% coverage in Rural, 26.1% in and Cash Recyclers supported by self-service channels Semi-urban, 21.6% Metro and 17.8% Urban Strong Government Sponsorship with a 63.97% Ownership by Global presence across 80 overseas offices spanning 15 countries Government of India -Government shareholding not permitted to fall below 51.0% of the paid-up capital by the Bank’s Nationalization Act Subsidiaries and JVs cover the entire Financial Spectrum— Committed Workforce of 76,693 Insurance, Asset Management, Capital Markets Customer base of ~183 million Capital Adequacy Ratio of 15.82% which is above the regulatory requirements A well recognized brand in the Indian Banking Industry With strong Pioneer in many customer centric initiatives retail franchise Established on July 20, 1908, Bank of Baroda is a 118-year-old Bank with 63.97% stake held by the Government of India. Source: Annual Report FY2026 Key Highlights Business Details (USD Mn) Key Performance Drivers Mar 31, 2025 Mar 31, 2026 YOY (%) Net Interest Margin (%) Net Profit (USD Mn) Domestic Deposits 130,982 147,761 12.8 Highest ever Net Profit International Deposits 24,239 26,066 7.5 2,065 2,111 Global Deposits 155,221 173,827 12.0 3.08 2.98 2.89 2.89 Retail Advances (Organic) 27,061 31,908 17.9 2.79 Domestic Gross Advances 107,672 123,315 14.5 International Advances 22,075 27,460 24.4 532 533 592 Global Advances 129,748 150,775 16.2 Total Business 284,968 324,602 13.9 Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Financial Performance (USD Mn) Return on Assets (%) Return on Equity (%) Q4FY25 Q4FY26 YoY (%) FY25 FY26 YOY(%) 17.49 17.27 16.96 Net Interest Income 1,212 1,317 8.7 4,905 5,028 2.5 1.16 1.09 1.15 1.16 15.59 15.39 1.06 Non-Interest Income 499 418 -16.2 1,665 1,662 -0.2 Operating Profit 857 956 11.5 3,420 3,402 -0.5 Net Profit 532 592 11.2 2,065 2,111 2.2 GNPA Ratio (%) 2.26 1.89 (37 bps) 2.26 1.89 (37 bps) NNPA Ratio (%) 0.58 0.45 (13 bps) 0.58 0.45 (13 bps) Capital Adequacy Ratio 17.19% 15.82% (137 bps) 17.19% 15.82% (137 bps) Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Source: Investor Presentation Q4 FY2026 3 Financial Performance FEDAI Revaluation USD/INR Spot Rate as of 30.03.2026 –1 USD = INR 94.8350 Key Ratios Cost of Deposits Yield on Advances Net Interest Margin Domestic Domestic Domestic 5.33% 4.99% 5.00% 5.21% 5.07% 8.76% 8.88% 3.16% 2.93% 3.08% 3.25% 3.04% 8.09% 7.99% 8.24% Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Q4FY25 Q3FY26 Q4FY26 FY25 FY26 International International International 4.46% 6.13% 3.95% 3.35% 3.46% 3.70% 5.58% 5.28% 5.05% 5.34% 1.70% 1.74% 1.66% 1.94% 1.74% Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Global Global Global 3.08% 5.12% 5.10% 2.98% 2.89% 2.89% 4.75% 4.78% 4.87% 2.79% 8.21% 8.39% 7.56% 7.44% 7.71% Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Source: Investor Presentation Q4 FY2026 5 Operating Performance Particulars Q4 FY25 Q3 FY26 Q4 FY26 YOY (%) FY25 FY26 YOY (%) (USD Mn) Interest on advances 2,480 2,537 2,609 5.2 9,812 10,117 3.1 Interest on investments 677 660 644 -4.9 2,736 2,643 -3.4 Other Interest income 124 151 188 52.2 348 631 81.3 Total Interest Income 3,281 3,348 3,442 4.9 12,896 13,391 3.8 Interest on Deposits 1,837 1,855 1,897 3.3 7,154 7,437 4.0 Interest on borrowings 140 157 136 -3.2 499 555 11.0 Other Interest paid 91 92 92 0.2 337 371 10.0 Total Interest Expenses 2,069 2,104 2,125 2.7 7,991 8,363 4.7 Net Interest Income (NII) 1,212 1,244 1,317 8.7 4,905 5,028 2.5 Fee based Income 229 180 221 -3.8 755 760 0.7 Treasury Income 164 114 5 -97.2 378 468 23.6 Other Non-Interest Income 105 86 193 83.0 531 433 -18.5 Non- Interest Income 499 380 418 -16.2 1,665 1,662 -0.2 Operating Income 1,711 1,624 1,736 1.4 6,570 6,689 1.8 Operating Expenses 854 846 779 -8.7 3,150 3,288 4.4 Operating Profit 857 778 956 11.5 3,420 3,402 -0.5 Cost to Income Ratio (%) 49.89 52.10 44.90 (499 bps) 47.94 49.15 121 bps Source: Investor Presentation Q4 FY2026 6 Non-Interest Income Particulars Q4 FY25 Q3 FY26 Q4 FY26 YOY (%) FY25 FY26 YOY (%) (USD Mn) Commission, Exchange, Brokerage 120 82 107 -11.2 355 352 -0.9 Incidental Charges 38 28 31 -19.7 148 131 -11.7 Forex Income 5 6 8 53.8 23 24 6.9 Other Miscellaneous Income 65 64 75 14.2 229 253 10.8 Fee based Income 229 180 221 -3.8 755 760 0.7 Trading Gains –Profit from Sale of 93 90 39 -57.8 239 410 71.7 Investments Revaluation of Investment 38 -11 -82 -- 50 -89 -- Profit on Exchange Transactions 33 36 48 44.3 90 147 63.4 Treasury Income 164 114 5 -97.2 378 468 23.6 Dividend Income 1 0 31 -- 26 67 -- Recovery from TWO 102 86 157 53.6 503 361 -28.2 Other Income 3 0 6 -- 3 6 -- Other Non-Interest Income 105 86 193 83.0 531 433 -18.5 Total Non-Interest Income 499 380 418 -16.2 1,665 1,662 -0.2 Source: Investor Presentation Q4 FY2026 7 Operating Expenses Particulars Q4 FY25 Q3 FY26 Q4 FY26 YOY (%) FY25 FY26 YOY (%) (USD Mn) Employee Cost 458 433 344 -25.0 1,751 1,660 -5.2 of which:Salaries 359 360 367 2.1 1,341 1,425 6.2 Provisions for employees 99 74 -23 -- 410 235 -42.6 Other Operating Expenses 395 413 435 10.1 1,399 1,628 16.4 of which : 59 51 56 -5.4 192 204 6.6 Rent, Taxes and Lighting Printing and Stationery 6 5 6 -1.8 21 21 -0.6 Depreciation 36 49 54 50.8 147 202 37.6 Law charges 15 23 25 69.7 45 86 90.0 Repairs and Maintenance 40 37 37 -7.5 119 149 24.7 Insurance 62 69 71 14.6 212 260 22.8 NFS charges/Fees 11 10 10 -2.9 45 43 -6.0 Other Expenditure 166 168 175 5.3 617 663 7.4 Operating Expenses 854 846 779 -8.7 3,150 3,288 4.4 Profit Position Particulars Q4 FY25 Q3 FY26 Q4 FY26 YOY (%) FY25 FY26 YOY (%) (USD Mn) Operating Profit 857 778 956 11.5 3,420 3,402 -0.5 Total Provisions 1 [Showing first 8,000 characters — download PDF for full document]