Bank of Baroda Q2 FY27 Results Explained
In Q2 FY27 (July–September 2026), Bank of Baroda reported a net profit of ₹6,532 crore, up 35.8% from a year earlier. Gross NPA was 1.78% of loans (#7 of 12 PSU banks, lowest first), CASA ratio 36.4%, net interest margin 2.74% and capital adequacy 16.61%. On BankersClub's PSU Bank Scorecard it ranks #5 of 12 overall this quarter.
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BOB report card, Q2 FY27
Graded against the other 11 public sector banks this quarter.
Key numbers
| Measure | Q2 FY27 | Change vs Q2 FY26 | Rank of 12 | PSU median |
|---|---|---|---|---|
| Business growth (YoY) | 17.2% | – | #6 | 16.6% |
| CASA ratio | 36.4% | down 205 bps | #8 | 36.8% |
| Net interest margin | 2.74% | down 22 bps | #8 | 2.97% |
| Cost-to-income | 42.6% | down 844 bps | #4 | 47.9% |
| Return on assets | 1.26% | up 19 bps | #5 | 1.12% |
| Gross NPA | 1.78% | down 38 bps | #7 | 1.69% |
| Net NPA | 0.37% | down 20 bps | #9 | 0.30% |
| Provision coverage (excl. TWO) | 79.5% | up 535 bps | #7 | 82.9% |
| Capital adequacy (CRAR) | 16.61% | up 7 bps | #9 | 17.73% |
| Credit cost | 0.63% | up 24 bps | #8 | 0.55% |
| Business per employee | ₹35.4 crore | – | #5 | ₹34.4 crore |
| Profit per employee | ₹34.7 lakh | – | #3 | ₹25.3 lakh |
Size of the bank
| Figure | Q2 FY27 | Change vs Q2 FY26 | Rank of 12 |
|---|---|---|---|
| Total business | ₹32.58 lakh crore | up 17.2% | #2 |
| Deposits | ₹17.45 lakh crore | up 16.4% | #3 |
| Advances | ₹15.12 lakh crore | up 18.3% | #2 |
| Gross NPA amount | ₹26,897 crore | down 2.5% | #9 |
| Operating profit | ₹11,430 crore | up 50.9% | #2 |
| Net profit | ₹6,532 crore | up 35.8% | #2 |
The quarter at a glance
What went right
- Cost-to-income down 844 bps from a year ago to 42.6%, now #4 of 12.
- Net NPA down 20 bps from a year ago to 0.37%, now #9 of 12.
- Provision coverage (excl. TWO) up 535 bps from a year ago to 79.5%, now #7 of 12.
What went wrong
- Net interest margin down 22 bps from a year ago to 2.74%, now #8 of 12.
- CASA ratio down 205 bps from a year ago to 36.4%, now #8 of 12.
Loan book and deposits
Bar = share of advances or deposits. Growth is against Q2 FY26. Advances are domestic; shares are of the sum of segments. Banks report segments slightly differently; see the methodology.
Quarter by quarter
| Measure | Q2 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Net profit | ₹4,809 crore | ₹1,278 crore | ₹6,532 crore |
| Operating profit | ₹7,576 crore | ₹8,127 crore | ₹11,430 crore |
| Gross NPA | 2.16% | 1.99% | 1.78% |
| Net NPA | 0.57% | 0.50% | 0.37% |
| Net interest margin | 2.96% | 2.77% | 2.74% |
| Return on assets | 1.07% | 0.25% | 1.26% |
| CASA ratio | 38.4% | 37.7% | 36.4% |
| Capital adequacy (CRAR) | 16.54% | 16.30% | 16.61% |
| Cost-to-income | 51.0% | 49.2% | 42.6% |
Compare with similar-sized banks
- Punjab National Bank (#11 overall)
- Canara Bank (#7 overall)
- Union Bank of India (#10 overall)
- Bank of India (#4 overall)
Source and method
Standalone figures from Bank of Baroda’s own Q2 FY27 filing (BOB investor presentation Q2 FY27 + standalone results statement p4), checked against the bank’s reported ratios. Ratios are recalculated the same way for all 12 banks where the filing allows. How the scorecard works. Not investment advice.
Last updated 12 November 2026.
Frequently asked questions
What was Bank of Baroda's net profit in Q2 FY27?
Bank of Baroda reported a standalone net profit of ₹6,532 crore in Q2 FY27 (July–September 2026), up 35.8% from Q2 FY26.
What is Bank of Baroda's gross NPA ratio?
Gross NPA was 1.78% of loans at the end of Q2 FY27, ranking #7 of 12 public sector banks (lowest first). Net NPA was 0.37%.
How does Bank of Baroda rank among public sector banks?
On BankersClub's PSU Bank Scorecard, Bank of Baroda ranks #5 of 12 overall in Q2 FY27, based on growth, return on assets, gross NPA, capital adequacy, CASA ratio and cost-to-income.
What is Bank of Baroda's CASA ratio?
Bank of Baroda's CASA ratio was 36.4% in Q2 FY27, #8 of 12 public sector banks.
Where does this data come from?
From Bank of Baroda's own Q2 FY27 results filing, using standalone figures. Every ratio is recalculated the same way for all 12 public sector banks where the filing allows.