Bank of Baroda Q2FY27 Results: Global business up 17.45% YoY to ₹32.64 trillion
- Global business grew 17.45% YoY to ₹32.64 trillion as of September 30, 2026
- Global advances rose 18.27% YoY to ₹15.12 trillion, outpacing deposit growth
- Domestic retail advances increased 18.67% YoY to ₹3.24 trillion
- Global deposits expanded 16.75% YoY to ₹17.51 trillion
*this image is generated using AI for illustrative purposes only.
Bank of Baroda reported a 17.45% year-on-year growth in its global business, reaching ₹32.64 trillion as of September 30, 2026.
The bank disclosed these provisional figures in an intimation to stock exchanges under SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The data highlights robust expansion across both the asset and liability sides of the balance sheet during the first half of FY27.
Global advances and deposits performance
Global advances grew by 18.27% YoY to ₹15.12 trillion, outpacing the growth in global deposits which stood at ₹17.51 trillion after a 16.75% YoY increase. This indicates a strengthening credit demand relative to deposit mobilization over the period.
Domestic advances recorded a 13.51% YoY rise to ₹11.88 trillion. Within this segment, domestic retail advances showed strong momentum, growing 18.67% YoY to ₹3.24 trillion. Domestic deposits expanded by 17.01% YoY to ₹14.88 trillion.
Performance snapshot
| Particulars | 30.09.2025 (Reviewed) | 31.03.2026 (Audited) | 30.09.2026 (Provisional) | YoY Growth |
|---|---|---|---|---|
| Global Business | ₹27,78,859 crore | ₹30,78,366 crore | ₹32,63,697 crore | 17.45% |
| Global Deposits | ₹15,00,012 crore | ₹16,48,487 crore | ₹17,51,262 crore | 16.75% |
| Domestic Deposits | ₹12,71,992 crore | ₹14,01,290 crore | ₹14,88,390 crore | 17.01% |
| Global Advances | ₹12,78,847 crore | ₹14,29,879 crore | ₹15,12,435 crore | 18.27% |
| Domestic Advances | ₹10,46,506 crore | ₹11,69,458 crore | ₹11,87,931 crore | 13.51% |
| Domestic Retail Advances | ₹2,73,116 crore | ₹3,02,598 crore | ₹3,24,102 crore | 18.67% |
What the numbers show
A divergence exists between global and domestic advance growth rates. While global advances grew at 18.27% YoY, domestic advances expanded at a slower pace of 13.51% YoY. This suggests that international operations contributed disproportionately to the overall loan book expansion compared to the domestic portfolio during this period.
Historical Stock Returns for Bank of Baroda
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| +0.12% | -2.55% | -4.58% | -6.78% | -10.72% | +182.35% |
How will the widening gap between global and domestic advance growth rates influence Bank of Baroda's future capital allocation strategy?
What specific international markets or sectors are driving the disproportionate expansion in global advances compared to the domestic portfolio?
Given that credit demand is outpacing deposit mobilization, how might Bank of Baroda adjust its cost of funds or CASA ratio targets for the remainder of FY27?
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