BOB (Bank of Baroda)'s Q1 FY 2025-26 Quarter Results
- 26 Jul 2025
Result Summary
- BOB (Bank of Baroda) reported a 2.1% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Jun (Q1 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 7.3%.
- Its expenses for the quarter were up by 7.3% QoQ and 10.4% YoY.
- The net profit decreased 31.8% QoQ and decreased 26.2% YoY.
- The earnings per share (EPS) of BOB (Bank of Baroda) stood at 6.7 during Q1 FY 2025-26.
Financial Statments for Q1 FY 2025-26
| (₹ crores) | Q1FY26 | Q4FY25 | Q1FY25 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 38404.16 | 37610.59 | 35800.94 | 2.1% | 7.3% |
Total Expenses | 29818.53 | 27800.40 | 27019.63 | 7.3% | 10.4% |
Provisions & contingencies | 3415.97 | 2777.33 | 2441.78 | 23.0% | 39.9% |
Profit Before Tax | 5169.66 | 7032.86 | 6339.53 | -26.5% | -18.5% |
Tax | 1817.78 | 2016.90 | 1759.04 | -9.9% | 3.3% |
Profit After Tax | 3517.18 | 5160.30 | 4764.03 | -31.8% | -26.2% |
Earnings Per Share | 6.70 | 9.90 | 9.10 | -32.3% | -26.4% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
Bank of Baroda (BOB) is a prominent public sector bank in India, offering a comprehensive range of financial services, including retail, corporate, and international banking. Established in 1908, the bank has a significant presence both domestically and internationally, with a network of branches and ATMs across the globe. BOB provides various banking products such as savings and current accounts, loans, credit cards, and investment services. The bank is known for its innovative banking solutions and customer-centric services. Recent developments have included digital banking initiatives and collaborations to enhance financial inclusivity and technological integration in its operations. However, specific recent events or changes in the strategic direction of the company are not available in the provided data.
Revenue
During the first quarter of the fiscal year 2026 (Q1FY26), Bank of Baroda reported a total income of ₹38,404.16 crores. This marks an increase of 2.1% from the previous quarter (Q4FY25), where the total income was ₹37,610.59 crores. Comparing year-over-year, the total income grew by 7.3% from ₹35,800.94 crores in Q1FY25. The growth in revenue indicates a positive trend in the bank's ability to generate income over both the quarterly and annual periods. It reflects the bank's ongoing efforts to enhance its revenue streams through various banking services and financial products offered to its customers.
Profitability
Bank of Baroda's profitability metrics for Q1FY26 show a decrease when compared to both the previous quarter and the same quarter in the previous year. The Profit Before Tax (PBT) for Q1FY26 was reported at ₹5,169.66 crores, which is a decline of 26.5% from ₹7,032.86 crores in Q4FY25 and an 18.5% decrease from ₹6,339.53 crores in Q1FY25. The Profit After Tax (PAT) also saw a decline, amounting to ₹3,517.18 crores in Q1FY26, down by 31.8% from ₹5,160.30 crores in Q4FY25 and 26.2% from ₹4,764.03 crores in Q1FY25. The earnings per share (EPS) decreased to ₹6.70 in Q1FY26, reflecting a 32.3% drop from the previous quarter and a 26.4% decrease from the same quarter last year. These figures highlight a challenging period for the bank in terms of profitability.
Operating Metrics
Total expenses for Bank of Baroda in Q1FY26 were ₹29,818.53 crores, representing a 7.3% increase from ₹27,800.40 crores in Q4FY25 and a 10.4% rise from ₹27,019.63 crores in Q1FY25. The provisions and contingencies were reported at ₹3,415.97 crores, which is a significant increase of 23.0% from the previous quarter and 39.9% year-over-year. These increases indicate an upward trend in the bank's operating costs and the amount set aside for provisions. Despite these rising costs, tax expenses decreased by 9.9% quarter-over-quarter to ₹1,817.78 crores, which is a slight 3.3% increase from the previous year. These metrics provide insight into the bank's operational dynamics and cost management strategies during the assessed period.