Bank of Baroda Q4 Results FY26 PAT Rs 5,616 Crore Up 11 Percent Dividend Rs 8.50

Bank of Baroda Q4 results for FY26 reported the highest-ever quarterly net profit of Rs 5,616 crore, up 11.2% year on year from Rs 5,048 crore in Q4 FY25. The Bank of Baroda Q4 results were announced on May 8, 2026, with the full year FY26 net profit crossing Rs 20,000 crore at Rs 20,021 crore, up 2.2% year on year.

The Bank of Baroda Q4 FY26 board declared a final dividend of Rs 8.50 per equity share (425% payout) and approved raising up to Rs 6,000 crore in Additional Tier 1 and Tier II bonds by March 2027. Net Interest Income in the Bank of Baroda Q4 results rose 8.7% to Rs 12,494 crore, while domestic NIM stood at 3.08% in the quarter.

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Bank of Baroda Q4 FY26 Results at a Glance

Metric	Q4 FY26	Change / Context
Net Profit PAT	Rs 5,616 crore	+11.2% YoY, highest ever
FY26 Full Year PAT	Rs 20,021 crore	+2.2% YoY
Net Interest Income	Rs 12,494 crore	+8.7% YoY
Final Dividend	Rs 8.50 per share	425% payout
Domestic NIM Q4	3.08%	Stable
Gross NPA Ratio	1.89%	Improved from 2.26%

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Key Highlights from Bank of Baroda Q4 FY26 Results

Highest Ever Quarterly Profit on Strong Loan Growth

The Bank of Baroda Q4 results FY26 marked the bank’s highest-ever quarterly profit of Rs 5,616 crore. Global advances grew 16.2% YoY while domestic advances rose 14.5%, driven by strong retail loan portfolio expansion. The Bank of Baroda Q4 results show domestic CASA deposits grew 9.8% YoY to Rs 5,45,034 crore. Return on Assets stood at 1.15% and ROE improved to 17.27% in the quarter.

Asset Quality Improves with GNPA at 1.89 Percent

Asset quality in the Bank of Baroda Q4 results FY26 improved significantly with Gross NPA ratio falling to 1.89% from 2.26% a year ago. Net NPA ratio also declined to 0.45%. The Bank of Baroda Q4 provision coverage ratio improved marginally to 93.94%. Capital adequacy ratio remained healthy at 15.82%, providing buffer for continued growth in FY27.

What Drove Bank of Baroda Q4 FY26 Performance

The Bank of Baroda Q4 results were driven by robust loan growth of 16.2% globally and strong retail credit expansion. Operating profit for Q4 grew 11.5% to Rs 9,069 crore. The bank made a floating provision of Rs 1,500 crore during the quarter, lifting credit cost to 0.76%. Bank of Baroda Q4 non-interest income declined 16.2% to Rs 3,967 crore, partly offsetting NII growth.

Outlook for FY27 After Bank of Baroda Q4 Results

Following the Bank of Baroda Q4 results FY26, the bank is positioned for continued credit growth supported by the planned Rs 6,000 crore AT1/Tier II bond issuance. The Bank of Baroda Q4 results FY27 trajectory depends on NIM management amid the RBI rate cut cycle and deposit cost trends. Management commentary on ECL impact and capital adequacy will be key monitorables in upcoming quarters.

Conclusion

Bank of Baroda Q4 results FY26 delivered highest-ever quarterly PAT of Rs 5,616 crore up 11.2%, with FY26 PAT crossing Rs 20,000 crore. The Bank of Baroda Q4 results dividend of Rs 8.50 and asset quality improvement to 1.89% GNPA confirm balance sheet strength. Investors tracking the Bank of Baroda Q4 results should watch NIM trajectory and the planned capital raise execution in FY27.

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Disclaimer: Investment in the share market is subject to risk. This article is for informational and educational purposes only and does not constitute investment advice. Univest analysts are SEBI-registered research analysts (SEBI RA: INH000012449). Verify all numbers before investing. Consult a SEBI-registered financial advisor before making any investment decisions.

Frequently Asked Questions

What was Bank of Baroda Q4 FY26 PAT?

The Bank of Baroda Q4 results FY26 reported net profit of Rs 5,616 crore, up 11.2% year on year, the highest-ever quarterly profit, driven by strong loan growth of 16.2% and improving asset quality.

What is Bank of Baroda FY26 full year profit?

Full year FY26 PAT for Bank of Baroda reached Rs 20,021 crore, up 2.2% year on year, crossing the Rs 20,000 crore milestone, as confirmed in the Bank of Baroda Q4 results FY26.

What dividend did Bank of Baroda declare for FY26?

Bank of Baroda Q4 board recommended a final dividend of Rs 8.50 per equity share (425% payout) for FY26 with record date June 5, 2026, alongside the Bank of Baroda Q4 results announcement.

What is Bank of Baroda NIM in Q4 FY26?

Domestic NIM in the Bank of Baroda Q4 results FY26 stood at 3.08%, with global NIM at 2.89%. NIM improved 10 bps sequentially supported by lagged deposit benefit and steady cost of funds.

How did Bank of Baroda asset quality perform in Q4 FY26?

Asset quality in the Bank of Baroda Q4 results FY26 improved significantly with Gross NPA ratio falling to 1.89% from 2.26% a year ago. Net NPA ratio declined to 0.45% with PCR at 93.94%.

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