Investor Presentation Q1

BCC:ISD:118:16:367 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 – Investor Presentation Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. please find enclosed a copy of Investor Presentation with regard to the Financial Results of the Bank for the quarter ended on 30th 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 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) 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 Performance Analysis Q1FY27 Key Highlights Key Highlights Business Details (INR crore) Key Performance Drivers Jun 30, 2025 Jun 30, 2026 YOY (%) Net Profit (INR crore) Net Interest Margin (%) Without considering Domestic Deposits 12,04,283 13,81,535 14.7 Exceptional Item Net Profit:INR5,528crore International Deposits 2,31,351 2,52,024 8.9 Global Deposits 14,35,634 16,33,559 13.8 20,021 2.91 2.89 2.89 Retail Advances (Organic) 2,61,479 3,09,674 18.4 2.77 2.77 Domestic Gross Advances 9,91,363 11,50,906 16.1 International Advances 2,15,693 2,65,992 23.3 5,616 4,541 Global Advances 12,07,056 14,16,898 17.4 1,278 1,278 Total Business 26,42,690 30,50,457 15.4 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Financial Performance (INR crore) Return on Assets (%) Return on Equity (%) # Q1FY26 Q1FY27 YoY (%) Without considering Without considering Exceptional Item RoA : Exceptional Item RoE : 1.10% 16.57% Net Interest Income 11,435 12,524 9.5 17.29 1.15 16.30 Non-Interest Income 4,675 3,470 -25.8 1.03 1.06 15.38 Operating Profit 8,236 8,127 -1.3 Net Profit 4,541 1,278 -71.8 GNPA Ratio (%) 2.28 1.99 (29 bps) 0.25 0.25 3.89 3.89 NNPA Ratio (%) 0.60 0.50 (10 bps) Capital Adequacy Ratio 17.61% 16.30% (131 bps) Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 #Calculated on Avg. Networth Value to our Shareholders Book Value per Share (INR) Earnings per Share (INR) (Non-Annualised) Without considering ExceptionalItemBVPS: INR264.5 10.9 250.8 251.7 256.2 10.1 9.8 9.8 242.0 9.4 9.3 233.4 220.0 223.3 8.6 8.8 210.8 197.6 Without considering Exceptional Item EPS:INR10.69 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Shareholding Pattern Credit Ratings CARE Edge Global Moodys Ratings Fitch Ratings S&P Global Ratings Others, 10.18% Ratings Baa3/P-3/Stable BBB-/ F3/Stable BBB / A2/Stable BBB+/Stable MF's/UTI, 9.78% Type of Instrument Rating Agency Basel III Tier-I / AT1 Basel III Tier II Bonds GoI, 63.97% bonds FII/FPI's, 10.14% India Ratings IND AAA/Stable (Issuer Rating) IND AA+/Stable ICRA [ICRA]AAA (Stable) [ICRA]AA+ (Stable) Insurance Cos., 5.93% CRISIL CRISILAAA/Stable CRISILAA+/Stable CARE CAREAAA; Stable Financial Performance Key Ratios Cost of Deposits Yield on Advances Net Interest Margin Domestic Domestic Domestic 5.22% 5.00% 4.86% 5.07% 4.86% 8.61% 7.99% 7.91% 8.24% 7.91% 3.06% 3.08% 2.93% 3.04% 2.93% Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 International International International 4.05% 3.70% 5.56% 5.05% 5.02% 5.34% 5.02% 1.75% 1.66% 1.69% 1.74% 1.69% 3.46% 3.45% 3.45% Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Global Global Global 8.09% 5.05% 4.78% 4.66% 4.87% 4.66% 7.44% 7.37% 7.71% 7.37% 2.91% 2.89% 2.77% 2.89% 2.77% Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 6 Operating Performance Particulars Q1 FY26 Q4 FY26 Q1 FY27 YoY (%) (INRcrore) Interest on advances 23,636 24,745 25,524 8.0 Interest on investments 6,321 6,109 6,556 3.7 Other Interest income 1,135 1,787 1,131 -0.4 Total Interest Income 31,091 32,642 33,211 6.8 Interest on Deposits 17,639 17,990 18,273 3.6 Interest on borrowings 1,116 1,289 1,413 26.6 Other Interest paid 901 869 1000 11.0 Total Interest Expenses 19,657 20,148 20,686 5.2 Net Interest Income (NII) 11,435 12,494 12,524 9.5 Fee based Income 1,622 2,093 1,291 -20.4 Treasury Income 2,226 44 893 -59.9 Other Non-Interest Income 826 1,830 1,286 55.6 Non- Interest Income 4,675 3,967 3,470 -25.8 Operating Income 16,109 16,460 15,995 -0.7 Operating Expenses 7,873 7,391 7,868 -0.1 Operating Profit 8,236 9,069 8,127 -1.3 Cost to Income Ratio (%) 48.87 44.90 49.19 32 bps Non-Interest Income Particulars Q1 FY26 Q4 FY26 Q1 FY27 YoY (%) (INRcrore) Commission, Exchange, Brokerage 738 1,012 392 -46.8 Incidental Charges 349 293 296 -15.2 Forex Income 47 80 54 14.9 Other Miscellaneous Income 488 708 549 12.5 Fee based Income 1,622 2,093 1,291 -20.4 Trading Gains –Profit from Sale of Investments 2,016 372 275 -86.4 Revaluation of Investment -137 -781 364 -- Profit on Exchange Transactions 347 453 254 -26.8 Treasury Income 2,226 44 893 -59.9 Dividend Income 192 292 0 -- Recovery from TWO 634 1,485 1,006 58.6 Other Income 0 53 280 -- Other Non-Interest Income 826 1,830 1,286 55.6 Total Non-Interest Income 4,675 3,967 3,470 -25.8 Operating Expenses Particulars Q1 FY26 Q4 FY26 Q1 FY27 YoY (%) (INRcrore) Employee Cost 4,308 3,262 4,247 -1.4 of which:Salaries 3,320 3,479 3,568 7.5 Provisions for employees 988 -217 679 -31.3 Other Operating Expenses 3,565 4,129 3,621 1.6 of which : 415 532 433 4.4 Rent, Taxes and Lighting Printing and Stationery 42 55 44 5.4 Depreciation 470 511 402 -14.5 Law charges 139 241 242 74.2 Repairs and Maintenance 389 351 364 -6.3 Insurance 547 678 456 -16.6 NFS charges/Fees 101 99 96 -5.0 Other Expenditure 1,461 1,661 1,583 8.4 Operating Expenses 7,873 7,391 7,868 -0.1 Profit Position Particulars Q1 FY26 Q4 FY26 Q1 FY27 YoY (%) (INRcrore) Operating Profit 8,236 9,069 8,127 -1.3 Total Provisions 1,967 3,150 6,323 -- of which: 1,686 2,566 1,043 -38.2 Provision for NPA & Bad Debts Written-off Provision for Non-Performing Investment -86 315 -106 -- Provision for Standard Advances 324 194 -283 -- Other Provisions* 43 76 5,670 -- ProfitbeforeTax 6,270 5,919 1,804 -71.2 Tax Provisions 1,728 303 526 -69.6 Net Profit 4,541 5,616 1,278 -71.8 *includes exceptional item of USD 600 Mn equivalent to INR 5,680 crore Business Performance Deposits Particulars % share in Domestic Deposits in Jun’26 Jun’25 Jun’26 YOY (%) Mar’26 Jun’26 QOQ (%) (INRcrore) Domestic CASA Deposits 4,73,637 5,21,149 10.0 5,45,034 5,21,149 -4.4 Savings Deposits Domestic Saving 32% 4,01,582 4,38,643 9.2 4,45,929 4,38,643 -1.6 Deposits Domestic Current 72,055 82,506 14.5 99,105 82,506 -16.7 Deposits Term Deposits Current 62% Deposits Term Deposits 7,30,646 8,60,385 17.8 8,56,256 8,60,385 0.5 6% Retail Term Deposits 4,98,699 5,42,729 8.8 5,36,877 5,42,729 1.1 % share in Domestic Deposits in Jun’25 Bulk Deposits 2,31,947 3,17,656 37.0 3,19,379 3,17,656 -0.5 (including CD)^ Savings Domestic Deposits 12,04,283 13,81,535 14.7 14,01,290 13,81,535 -1.4 Deposits International Deposits 2,31,351 2,52,024 8.9 2,47,197 2,52,024 2.0 Term Total Deposits 14,35,634 16,33,559 13.8 16,48,487 16,33,559 -0.9 Deposits Current Deposits Domestic CASA(%) 39.33% 37.72% (161 bps) 38.90% 37.72% (118 bps) ^Bulk Deposits considered INR 3 crore and above Advances Particulars Jun’25 Jun’26 YOY (%) Mar’26 Jun’26 QOQ (%) (INRcrore) % share in Gross Domestic Credit in Jun’26 Retail* 2,61,479 3,09,674 18.4 3,02,598 3,09,674 2.3 Agriculture 16.7% Home Loans* 1,33,673 1,53,285 14.7 1,50,305 1,53 [Showing first 8,000 characters — download PDF for full document]