General Updates

BCC:ISD:118:16:563 30.10.2026 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 30 September 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 Q2FY27 Key Highlights Key Highlights Business Details (INR crore) Key Performance Drivers Sep 30, 2025 Sep 30, 2026 YOY (%) Net Profit (INR crore) Net Interest Margin (%) Domestic Deposits 12,71,992 14,83,521 16.6 International Deposits 2,28,020 2,61,915 14.9 Global Deposits 15,00,012 17,45,435 16.4 20,021 2.96 2.89 Retail Advances (Organic) 2,73,116 3,24,040 18.6 2.77 2.74 2.76 Domestic Gross Advances 10,46,506 11,87,944 13.5 7,810 International Advances 2,32,341 3,24,504 39.7 6,532 4,809 Global Advances 12,78,847 15,12,448 18.3 1,278 Total Business 27,78,859 32,57,883 17.2 Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Financial Performance (INR crore) Return on Assets (%) Return on Equity (%) # Q2FY26 Q2FY27 YoY (%) H1FY26 H1FY27 YOY(%) Net Interest 11,954 13,026 9.0 23,388 25,551 9.2 Income 1.26 Non-Interest 3,515 6,881 95.8 8,189 10,351 26.4 1.07 1.06 19.28 Income 16.30 15.65 Operating Profit 7,576 11,430 50.9 15,812 19,557 23.7 0.75 11.63 Net Profit 4,809 6,532 35.8 9,351 7,810 -16.5 GNPA Ratio (%) 2.16 1.78 (38 bps) 2.16 1.78 (38 bps) 0.25 3.89 NNPA Ratio (%) 0.57 0.37 (20 bps) 0.57 0.37 (20 bps) Capital Adequacy 16.54 16.61 7 bps 16.54 16.61 7 bps Ratio Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 #Calculated on Avg. Networth Financial Performance Key Ratios Cost of Deposits Yield on Advances Net Interest Margin Domestic Domestic Domestic 5.07% 4.86% 4.91% 5.07% 4.88% 8.31% 7.91% 8.03% 8.24% 7.97% 3.10% 2.93% 2.89% 3.04% 2.91% Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 International International International 1.81% 1.74% 3.96% 3.45% 3.57% 3.70% 3.51% 5.52% 5.02% 5.09% 5.34% 5.06% 1.69% 1.58% 1.49% Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Global Global Global 4.91% 4.66% 4.71% 4.87% 4.68% 7.81% 7.37% 7.41% 7.71% 7.39% 2.96% 2.77% 2.74% 2.89% 2.76% Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 FY26 H1FY27 5 Operating Performance Particulars Q2 FY26 Q1 FY27 Q2 FY27 YOY (%) H1 FY26 H1 FY27 YOY (%) (INRcrore) Interest on advances 23,505 25,524 26,754 13.8 47,141 52,278 10.9 Interest on investments 6,376 6,556 7,273 14.1 12,697 13,830 8.9 Other Interest income 1,630 1,131 1,057 -35.1 2,765 2,188 -20.9 Total Interest Income 31,511 33,211 35,085 11.3 62,602 68,296 9.1 Interest on Deposits 17,313 18,273 19,544 12.9 34,953 37,818 8.2 Interest on borrowings 1,360 1,413 1,444 6.2 2,476 2,857 15.4 Other Interest paid 884 1,000 1,070 21.0 1,785 2,070 16.0 Total Interest Expenses 19,557 20,686 22,059 12.8 39,214 42,745 9.0 Net Interest Income (NII) 11,954 12,524 13,026 9.0 23,388 25,551 9.2 Fee based Income 1,790 1,291 1,637 -8.5 3,412 2,928 -14.2 Treasury Income 1,086 893 4,093 -- 3,311 4,986 50.6 Other Non-Interest Income 639 1,286 1,151 80.1 1,466 2,437 66.2 Non- Interest Income 3,515 3,470 6,881 95.8 8,189 10,351 26.4 Operating Income 15,469 15,995 19,907 28.7 31,578 35,902 13.7 Operating Expenses 7,893 7,868 8,477 7.4 15,765 16,345 3.7 Operating Profit 7,576 8,127 11,430 50.9 15,812 19,557 23.7 Cost to Income Ratio (%) 51.02 49.19 42.58 (844 bps) 49.93 45.53 (440 bps) Non-Interest Income Particulars Q2 FY26 Q1 FY27 Q2 FY27 YOY (%) H1 FY26 H1 FY27 YOY (%) (INRcrore) Commission, Exchange, Brokerage 807 392 756 -6.3 1,545 1,148 -25.7 Incidental Charges 336 296 245 -27.1 685 541 -21.0 Forex Income 49 54 60 21.5 96 113 17.9 Other Miscellaneous Income 598 549 577 -3.5 1,086 1,126 3.7 Fee based Income 1,790 1,291 1,637 -8.5 3,412 2,928 -14.2 Trading Gains –Profit from Sale of 654 275 1,824 -- 2,669 2,099 -21.4 Investments Revaluation of Investment 178 364 1907 -- 41 2,271 -- Profit on Exchange Transactions 254 254 362 42.5 601 616 2.5 Treasury Income 1,086 893 4,093 -- 3,311 4,986 50.6 Dividend Income 146 0 246 68.5 339 246 -27.4 Recovery from TWO 493 1,006 729 47.9 1,127 1,735 53.9 Other Income 0 280 176 -- 0 456 -- Other Non-Interest Income 639 1,286 1,151 80.1 1,466 2,437 66.2 Total Non-Interest Income 3,515 3,470 6,881 95.8 8,189 10,351 26.4 Operating Expenses Particulars Q2 FY26 Q1 FY27 Q2 FY27 YOY (%) H1 FY26 H1 FY27 YOY (%) (INRcrore) Employee Cost 4,061 4,247 4,583 12.8 8,368 8,830 5.5 of which:Salaries 3,299 3,568 3,698 12.1 6,618 7,265 9.8 Provisions for employees 762 679 885 16.1 1,750 1,564 -10.6 Other Operating Expenses 3,832 3,621 3,894 1.6 7,397 7,515 1.6 of which : 511 433 551 7.9 926 984 6.3 Rent, Taxes and Lighting Printing and Stationery 52 44 53 2.7 94 98 3.9 Depreciation 468 402 508 8.6 938 910 -3.0 Law charges 220 242 91 -58.6 359 333 -7.2 Repairs and Maintenance 318 364 423 32.9 707 787 11.3 Insurance 587 456 419 -28.6 1,134 875 -22.8 Other Expenditure 1,677 1,679 1,849 10.3 3,239 3,528 8.9 Operating Expenses 7,893 7,868 8,477 7.4 15,765 16,345 3.7 Profit Position Particulars Q2 FY26 Q1 FY27 Q2 FY27 YOY (%) H1 FY26 H1 FY27 YOY (%) (INRcrore) Operating Profit 7,576 8,127 11,430 50.9 15,812 19,557 23.7 Total Provisions 1,232 6,323 2,382 93.3 3,199 8,705 -- of which: 883 1,043 1,935 -- 2,569 2,978 15.9 Provision for NPA & Bad Debts Written-off Provision for Non-Performing Investment -171 -106 -381 -- -256 -488 -- Provision for Standard Advances 506 -283 424 -16.1 830 141 -83.0 Other Provisions 14 5,670 403 -- 57 6,073 -- ProfitbeforeTax 6,343 1,804 9,048 42.6 12,613 10,852 -14.0 Tax Provisions 1,534 526 2,517 64.1 3,262 3,042 -6.7 Net Profit 4,809 1,278 6,532 35.8 9,351 7,810 -16.5 Business Performance Deposits Particulars % share in Domestic Deposits in Sep’26 Sep’25 Sep’26 YOY (%) Jun’26 Sep’26 QOQ (%) (INRcrore) Domestic CASA Deposits 4,88,660 5,39,515 10.4 5,21,149 5,39,515 3.5 Savings Deposits Domestic Saving 30% 4,08,348 4,47,428 9.6 4,38,643 4,47,428 2.0 Deposits Domestic Current 80,312 92,086 14.7 82,506 92,086 11.6 Deposits Term Current Deposits Deposits 64% 6% Term Deposits 7,83,332 9,44,006 20.5 8,60,385 9,44,006 9.7 Retail Term Deposits 5,07,074 5,45,470 7.6 5,29,822 5,45,470 3.0 % share in Domestic Deposits in Sep’25 FCNR (B) Deposits 17,870 1,02,562# -- 29,090 1,02,562# -- Bulk Deposits Savings 2,58,388 2,95,974 14.5 3,01,473 2,95,974 -1.8 (including CD)^ Deposits Domestic Deposits 12,71,992 14,83,521 16.6 13,81,534 14,83,521 7.4 International Deposits 2,28,020 2,61,915 14.9 2,52,024 2,61,915 3.9 Term Deposits Current Total Deposits 15,00,012 17,45,435 16.4 16,33,558 17,45,435 6.8 62% Deposits Domestic CASA(%) 38.42% 36.37% (205 bps) 37.72% 36.37% (135 bps) ^Domestic deposits ofINR 3 crore and above considered as Bulk deposits # Out of which BOB Legend FCNR (B) Deposits –INR 77,270 crore Advances Particulars Sep’25 Sep’26 YOY (%) Jun’26 Sep’26 QOQ (%) (INRcrore) % share in Gross Domestic Credit in Sep’26 Retail* 2,73,116 3,24,040 18.6 3,09,674 3,24,040 4.6 Agriculture 1 [Showing first 8,000 characters — download PDF for full document]