Bank of Baroda Q4 FY26 Results: Record Profit Rs 5616 Crore Up 11 Percent NII Rs 12494 Crore

Bank of Baroda Q4 FY26 results were declared on 8 May 2026 with the public sector lender posting its highest-ever quarterly net profit of Rs 5,616 crore for the January-March 2026 quarter. The  Bank of Baroda Q4 FY26 net profit represents an 11.2 percent year-on-year increase, marking a milestone quarter for the bank. Net Interest Income rose 8.7 percent year-on-year to Rs 12,494 crore during Q4 FY26, while asset quality improved meaningfully with the Gross NPA ratio dropping to 1.89 percent from 2.26 percent a year ago.

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The  Bank of Baroda Q4 FY26 operating profit increased 11.5 percent to Rs 9,069 crore for the quarter. For the full financial year FY26, Bank of Baroda net profit stood at Rs 20,021 crore, up 2.2 percent year-on-year, crossing the Rs 20,000 crore annual profit mark for the first time in the bank’s history. Annual operating profit came in at Rs 32,259 crore.

Bank of Baroda Q4 FY26 Key Financial Highlights

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Bank of Baroda Q4 FY26 NII and Profitability Analysis

Bank of Baroda Q4 FY26 Net Interest Income of Rs 12,494 crore grew 8.7 percent year-on-year, reflecting robust loan book expansion across retail and corporate segments. For the full financial year FY26, NII rose 4.9 percent to Rs 32,641.84 crore from Rs 31,116.74 crore in FY25. The bank’s operating profit growth of 11.5 percent in the quarter demonstrates healthy core income generation capacity, with credit cost management contributing positively to the bottom line.

The Bank of Baroda Q4 FY26 quarterly net profit of Rs 5,616 crore is the bank’s highest-ever quarterly earnings, surpassing all previous quarterly profit records. Full-year FY26 net profit of Rs 20,021 crore marks the bank crossing the Rs 20,000 crore annual profit threshold for the first time, a significant institutional milestone for this PSU lender.

Bank of Baroda Q4 FY26 Asset Quality Improvement

Asset quality improvement is a standout feature of  Bank of Baroda Q4 FY26 results. Gross NPA ratio improved to 1.89 percent in Q4 FY26 from 2.26 percent in Q4 FY25, reflecting disciplined credit underwriting and effective recovery efforts. The sustained reduction in bad loans positions the bank for lower provisioning requirements in FY27, which is a positive catalyst for future profitability. Return on assets improved to 1.15 percent for the quarter and 1.06 percent for the full year FY26. Return on equity for Q4 FY26 stood at 17.27 percent, reflecting improving capital efficiency.

Bank of Baroda Q4 FY26 Capital Adequacy

The  Bank of Baroda Q4 FY26 capital adequacy ratio stood at a healthy 15.82 percent as of March 2026, well above the RBI-mandated minimum of 11.5 percent for domestic systemically important banks. This strong capital position provides the bank with ample headroom for loan book growth in FY27 without the immediate need for capital raising. The bank’s improving RoA and RoE metrics alongside healthy capital adequacy make it one of the stronger-positioned PSU banks heading into FY27.

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Frequently Asked Questions on Bank of Baroda Q4 FY26 Results

What is Bank of Baroda Q4 FY26 net profit?

Ans. Bank of Baroda Q4 FY26 net profit is Rs 5,616 crore, up 11.2 percent year-on-year. This is the bank’s highest-ever quarterly net profit, surpassing all previous quarterly earnings records.

What is Bank of Baroda Q4 FY26 NII?

Ans. Bank of Baroda Q4 FY26 Net Interest Income is Rs 12,494 crore, up 8.7 percent year-on-year from the corresponding quarter of FY25. Full-year FY26 NII rose 4.9 percent to Rs 32,641 crore.

What is Bank of Baroda GNPA in Q4 FY26?

Ans. Bank of Baroda Gross NPA ratio improved to 1.89 percent in Q4 FY26 from 2.26 percent in Q4 FY25, reflecting sustained improvement in asset quality and effective bad loan recovery over the past year.

What is Bank of Baroda FY26 full-year profit?

Ans. Bank of Baroda FY26 full-year net profit is Rs 20,021 crore, up 2.2 percent year-on-year. This marks the first time the bank has crossed the Rs 20,000 crore annual profit milestone. Annual operating profit stood at Rs 32,259 crore.

What is Bank of Baroda capital adequacy ratio for Q4 FY26?

Ans. Bank of Baroda capital adequacy ratio as of March 31, 2026 stands at 15.82 percent, well above the regulatory minimum, providing strong headroom for loan book growth in FY27.

Disclaimer: This article is for informational and educational purposes only and does not constitute investment advice. All financial data is sourced from BSE/NSE exchange filings and verified media reports. Investments in securities are subject to market risk. Consult a SEBI-registered investment advisor before making any investment decision.

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