Financial Results Q1

BCC:ISD:118:16:366 24.07.2026 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 –Financial Results – Q1 (FY2026-27) We refer to our Stock Exchange notification dated 07th July 2026 and advise that the Board of Directors of Bank of Baroda at its meeting held today i.e. 24th July 2026 interalia considered & approved the Un-audited (Reviewed) Standalone & Consolidated Financial Results of the Bank together with relevant segment reporting, for the quarter / three months ended 30th June 2026. We enclose following: 1. Financial Results (Standalone and Consolidated) along with Segment Reporting, Audit Report, unmodified opinion report, etc. 2. Press Release. 3. Security Cover Certificate under Regulation 54(2) & 54(3) (LODR). 4. Statement of utilization of issue proceeds of non-convertible securities under Regulation 52(7) & 52(7A) (LODR). The Meeting commenced at 10.30 AM and concluded at 4.30 PM. We request you to take a note of the above under Regulation 33 and 52 of SEBI (LODR) Regulations, 2015 and upload the information on your website. Yours faithfully, S Balakumar Company Secretary Encl. - As Above 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) ले(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 Banik of Baroda Regd Office: Baroda House PB No.506 Mandvi Baroda- 390006 Corporate Office: C-26 G-Block Bandra Kurla Complex Bandra (E) Mumbai- 400051 Un-Audited Standalone Financial Results for the Quarter Ended 30th June, 2026 ~in Lal<li.s) Sr. Particulars Quarter Ended Year Ended No. 30.06.2026 31.03.2026 30.06.2025 31.03.2026 Un-Audited Audited Un-Audited Audited 1 Interest earned (a)+(b)+(c)+(d) 3321072 3264184 3109149 12699365 (a) Interest /discount on advances/ bills 2552362 2474538 2363606 9594248 (b) Income on investments 655619 610913 632078 2506787 (c) Interest on balances with Reserve Bank of India and other inter bank funds 65631 58548 61097 254272 (d) Others 47460 120185 52368 344058 2 Other Income 347037 396696 467453 1575684 3 Total Income (1 + 2) 3668109 3660880 3576602 14275049 4 Interest Expended 2068563 2014817 1965671 7931119 5 Operating Expenses (a)+ (b) 786821 739119 787284 3118032 (a) Employees cost 424721 326190 430772 1574150 (b) Other operating expenses 362100 412929 356512 1543882 6 Total Expenditure (4+5) excluding provisions and contingencies 2855384 2753936 2752955 11049151 7 Operating Profit (3-6) before Provisions and Contingencies 812725 906944 823647 3225898 8 Provisions (other than tax) and Contingencies 64303 315047 196694 714881 9 Exceptional Items [refer note 12] 568023 - - - 10 Profit(+)/ Loss(-) from Ordinary Activities before tax (7-8-9) 180399 591897 626953 2511017 11 Provision for Taxes 52560 30329 172817 508911 12 Net Profit(+)/ Loss(-) from Ordinary Activities after tax (10-11) 127839 561568 454136 2002106 13 Extraordinary items (net of tax expenses) - - - - 14 Net Profit ( +) I Loss (-) for the period (12-13) 127839 561568 454136 2002106 15 Paid-up equity share capital (Face Value of z 2 each) 103553 103553 103553 103553 16 Reserve excluding Revaluation Reserve >,.,., ,.,, :s,~ ~sii:.~t:~fitfi~ 1438.7690 17 Analytical Ratios i) Percentage of shares held by Government of India 63.97 63.97 63.97 63.97 ii) Capital Adequacy Ratio(%) -Basel-III 16.30 15.82 17.61 15.82 a) CET 1 Ratio (%) 13.90 13.16 14.12 13.16 b) Additional Tier 1 Ratio(%) 0.51 0.48 1.03 0.48 iii) Earnings Per Share (a) Basic EPS before and after Extraordinary items net of tax expenses 2.47 10.86 8.78 38.72 (not annualized) [in z] (b) Diluted EPS before and after Extraordinary items net of tax expenses 2.47 10.86 8.78 38.72 (not annualized) [in z] iv) NPARatios a) Gross NPA 2815042 2705859 2757173 2705859 b)NetNPA 701710 631556 715755 631556 c) Gross NPA to Gross Advances% 1.99 1.89 2.28 1.89 d) Net NP A to Net Advances% 0.50 0.45 0.60 0.45 v) Return on Assets (annualized) % 0.25 1.15 1.03 1.06 vi) Debt Equity ratio* 0.62 0.66 0.57 0.66 vii) Total Debt to Total Assets Ratio** 0.08 0.08 0.07 0.08 viii) Capital Redemption Reserve/ Debenture Redemption Reserve NA NA NA NA ix) Outstanding Redeemable Preference Shares NA NA NA NA x) Net Worth 13249886 13017724 12070520 13017724 xi) Operating Profit Margin % 22.16 24.77 23.03 22.60 xii) Net Profit Margin% 3.49 15.34 12.70 14.03 1.19) tri!i 3ll!/i ifi/Ti3 Bank of Baroda f'OlJHOAnCHvt:'.AA u•.w,i.,oM'TJ,r,,U!;1 Un-Audited Standalone Financial Results for the Quarter Ended ao'" June, 2026 Part A-Business Segments (~ in Lakhs) Sr. Quarter Ended Year Ended No. Particulars 30.06.2026 31.03.2026 30.06.i025 31.03.2026 Un-Audited Audited Un-Audited Audited 1 Segment Revenue (a) Treasury Operations 821228 712911 933530 3296324 (b) Wholesale Banking 1299739 1331796 1194480 4956732 (c) Retail Banking 1536966 1600267 1439246 5972421 (i) Digital Banking 66 55 35 173 (ii) Other Retail Banking 1536900 1600212 1439211 5972248 (d) Other Banking Operations 10176 15906 9346 49572 Total Revenue 3668109 3660880 3576602 14275049 2 Segment Results (a) Treasury Operations 147060 24080 318263 707456 (b) Wholesale Banking 339909 346178 224282 1047479 (c) Retail Banking 388897 230902 260459 1229839 (i) Digital Banking (376) (451) (363) (1631) (ii) Other Retail Banking 389273 231353 260822 1231470 ( d) Other Banking Operations 10176 15907 9346 49573 Total 886042 617067 812350 3034347 Unallocated Expenditure 137620 25170 185397 523330 Exceptional Items [refer note 12] 568023 - - Profit before Tax 180399 591897 626953 2511017 Provision for Tax 52560 30329 172817 508911 Net Profit 127839 561568 454136 2002106 3 Segment Assets (a) Treasury Operations 56839621 55160699 51769407 55160699 (b) Wholesale Banking 79052753 80662963 67703651 80662963 (c) Retail Banking 62080124 · 60919303 52637894 60919303 (i) Digital Banking 3395 2647 1589 2647 (ii) Other Retail Banking 62076729 60916656 52636305 60916656 ( d) Other Banking Operations " " " " (e) Unallocated 4152878 4173416 3427982 4173416 Total Assets 202125376 200916381 175538934 200916381 4 Segment Liabilities (a) Treasury Operations 52476361 50954420 47578797 50954420 (b) Wholesale Banking 72984314 74512008 62223203 74512008 ( c) Retail Banking 57314579 56273901 48376982 56273901 (i) Digital Banking 3134 2445 1460 2445 (ii) Other Retail Banking 57311445 56271456 48375522 56271456 ( d) Other Banking Operations - " " " (e) Unallocated 3834085 3855172 3150495 3855172 Total Liabilities 186609339 185595501 161329477 185595501 5 Capital Employed (a) Treasury Operations 4363260 4206279 4190610 4206279 (b) Wholesale Banking 6068439 6150955 5480448 6150955 (c) Retail Banking 4765545 4645402 4260912 4645402 (i) Digital Banking 261 202 129 202 (ii) Other Retail Banking 4765284 4645200 4260783 4645200 ( d) Other Banking Operations " " " " (e) Unallocated 318793 318244 277487 318244 Total Capital Employed 15516037 15320880 14209457 15320880 Part- B · Geozranhtc Seaments Sr. Particulars Quarter Ended Year Ended No. 30.06.2026 31.03.2026 30.06.2025 31.03.2026 Un-Audited Audited Un-Audited Audited 1 Revenue (a) Domestic 3239021 3255007 3205754 12694567 (b) International 429088 405873 370848 1580482 Total 3668109 3660880 3576602 14275049 2 Assets (a) Domestic 164765362 165112247 144932218 165112247 (b) International 37360014 35804134 30606716 35804134 Total 202125376 200916381 175538934 200916381 .:,, STATEMENT OF ASSETS & LIABILITIES (z in Lakhs) Standalone Particulars As on 30th June 2026 As on 30th June 2025 As on 31'1 March 2026 Un-Audited Un-Audited Audited CAPITAL & LIABILITIES Capital 103553 103553 103553 Reserves and Surplus 15 [Showing first 8,000 characters — download PDF for full document]