Bank of Baroda posted a strong Q2 FY26 performance with net profit rising to ₹48.09 billion, surpassing estimates of ₹43.48 billion. Interest earned reached ₹315.11 billion, while provisions and contingencies stood at ₹12.32 billion. Gross NPA improved to 2.16%, reflecting healthier asset quality.
                                        
                        
	Bank of Baroda declared impressive financial results for the quarter ended September 30, 2025. The bank’s interest earned rose significantly to ₹315.11 billion, demonstrating strong core earnings growth.
	 
	Provisions and contingencies for the quarter were ₹12.32 billion, indicating prudent risk management in a dynamic credit environment. The bank's Gross Non-Performing Assets (NPA) declined to 2.16%, reinforcing improvement in asset quality.
	 
	Net profit for the quarter stood at ₹48.09 billion, exceeding IBES estimates of ₹43.48 billion, signaling better-than-expected operational efficiency and credit cost control.
	 
	The bank’s solid performance highlights its robust balance sheet management and expanding loan portfolio. The reduction in NPAs and controlled provisions indicate ongoing measures to strengthen credit discipline while supporting sustainable growth.
	 
	Bank of Baroda remains well-positioned to capitalize on emerging opportunities in retail and corporate lending segments as economic conditions stabilize.
	 
	Key Highlights
	- 
		Interest earned: ₹315.11 billion for Q2 FY26.
- 
		Provisions and contingencies: ₹12.32 billion.
- 
		Gross NPA improved to 2.16%.
- 
		Net profit: ₹48.09 billion, beating estimates of ₹43.48 billion.
- 
		Strong core earnings growth and prudent risk management.
- 
		Positive asset quality trends with controlled credit costs.
- 
		Expanding loan portfolio supports growth outlook.
- 
		Well-positioned for future lending opportunities.
	Sources: Bank of Baroda disclosures, IBES estimates, Business Standard, Economic Times