Bank of Baroda announced its financial results for the quarter and nine months ended December 31, 2025, demonstrating consistent growth momentum supported by stable asset quality and strong profitability metrics. The bank's performance exceeded market expectations across key financial parameters.

Q3 Financial Performance Overview

The bank reported net profit of ₹5,050 crore for Q3, significantly outperforming analyst estimates of ₹4,694 crore and marking a growth from ₹4,837 crore in the previous year. Revenue for the quarter reached ₹31,750 crore, up from ₹31,280 crore year-on-year. For the nine-month period ending December 31, 2025, net profit reached ₹14,405 crore with operating profit at ₹23,190 crore.

Asset Quality Metrics Show Continued Improvement

Bank of Baroda maintained strong asset quality with the Gross NPA ratio improving to 2.04% from 2.16% on a quarter-on-quarter basis, while also showing year-on-year improvement from 2.43%. The Net NPA ratio remained stable at 0.57% quarter-on-quarter, representing a 2 basis points improvement year-on-year from 0.59%.

Business Growth and Operational Metrics

Global advances registered strong growth of 14.7% year-on-year, reaching ₹13,44,904 crore, while domestic advances grew by 13.6% to ₹10,96,557 crore. The bank's retail portfolio demonstrated robust performance with 17.4% growth, driven by strong performance across mortgage loans (21.0%), auto loans (17.4%), and home loans (16.0%).

Capital Adequacy and Profitability

The bank maintained strong capital adequacy with CRAR at 15.29%, comprising Tier-I capital of 13.10% and Tier-II capital of 2.19%. Return on Assets remained consistently above 1% at 1.09% for the quarter, while Return on Equity stood at 15.59%. Global Net Interest Margin was 2.79% with domestic NIM at 2.93%, supported by a cost of deposits at 4.75%.

Bank of Baroda has officially informed stock exchanges about an impending strike notice from the United Forum of Bank Unions (U.F.B.U.) scheduled for January 27, 2026. The notification, issued on January 23, 2026, was sent to both BSE and NSE under the mandatory disclosure requirements of SEBI regulations.

Strike Notice Details

The United Forum of Bank Unions has served formal notice of their decision to proceed with a strike on Tuesday, January 27, 2026, citing various issues and demands. The union's strike call affects multiple banking operations across the country.

Bank's Preparatory Measures

Bank of Baroda has indicated that it is taking comprehensive steps to ensure minimal disruption to customer services. The bank's management is implementing necessary measures to maintain smooth functioning of branches and offices during the strike period.

However, the bank has cautioned that if the strike materializes as planned, there may be some impact on the normal functioning of branches and offices across its network. This transparent disclosure allows customers and stakeholders to plan accordingly for any potential service disruptions.

Regulatory Compliance

The notification was issued in strict compliance with SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, specifically under Regulation 30. This regulation mandates listed companies to disclose material events that could impact their operations or stakeholder interests.

The formal communication was signed by S Balakumar, Company Secretary, and digitally authenticated on January 23, 2026. Both major stock exchanges - BSE (Code: 532134) and NSE (Code: BANKBARODA) - received identical notifications to ensure comprehensive market disclosure.