Bank of Baroda Q3 Results: Bank of Baroda's profit ₹ 5055 crore, loan growth faster than expected; NPA also reduced
Bank of Baroda Q3 Results: Bank of Baroda has released the results for the December quarter (Q3 FY26). In which the bank has shown stable but strong performance. The bank's net profit increased by 4.5% to Rs 5,055 crore from Rs 4,837 crore in the same quarter last year. Net interest income (NII) remained almost flat and was recorded at Rs 11,800 crore, as against Rs 11,786 crore a year ago. That means interest income remained stable, but did not decline.
The loan recovery situation of the bank improved. Gross NPA reduced to 2.04%, which was earlier 2.16%. Whereas, Net NPA remained stable at 0.57%. It is clear from this that the pressure of bad loans on the bank is reducing. Collection efficiency (excluding cultivation) stood at 98.63% by December 2025, showing a strong recovery. The provision coverage ratio in NCLT accounts was 99.66%, which means the bank has made almost complete provision for possible losses.
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Loan growth of up to 21% surprised
The bank's global advances rose 14.7%, while domestic loans rose 13.6%. The special thing was that retail loans registered an increase of 17.4%. Of these, mortgage loans increased by 21%, auto loans by 17.4%, home loans by 16%, education loans by 12.8% and personal loans by 12%.
That is, in simple words, the bank's profit increased, bad loans decreased and loan growth remained fast. These three signs indicate that the balance sheet of Bank of Baroda remains strong. Interest earnings may have been flat, but asset quality and loan expansion underpinned the quarter.
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