Bank of Baroda Financial Statements

Name: Bank of Baroda Financials — historical data
Creator: StockeZee

For Mar 2026, Bank of Baroda reported net profit of ₹19,477 crore. Return on equity stands at 12.70%. Profit & loss, balance sheet and cash flow across 8 reported years are below.

Updated 31 Jul 2026Source: NSE & BSE company filingsNifty 100 constituent

Profit after tax: ₹19,477 Cr
EPS: ₹37.66
Latest year: Mar 2026
Years reported: 8

Bank of Baroda profit & loss

Reported annual performance for Bank of Baroda, oldest to newest. Figures in ₹ crore unless a row states otherwise.

Bank of Baroda annual profit and loss statement. Figures in ₹ crore unless a row states otherwise.
Line item	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Interest Earned	52,906	78,895	74,314	73,385	94,139	1,18,379	1,27,945	1,34,298
Interest on Balances with RBI	2,013	2,160	1,693	1,138	1,614	1,934	1,982	2,752
Interest on Advances/Bills	35,623	55,491	51,427	50,751	65,777	87,648	96,107	99,396
Other Interest	1,095	2,010	1,918	1,960	1,947	955	572	3,377
Revenue on Investments	14,175	19,234	19,275	19,536	24,801	27,842	29,284	28,773
Other Income	7,887	12,191	14,687	14,395	16,639	23,399	24,939	22,527
Total Income	60,793	91,086	89,001	87,780	1,10,778	1,41,779	1,52,884	1,56,825
Net Interest Income	20,401	28,855	31,113	34,570	44,196	48,480	49,680	52,438
Total Banking Expenses	45,275	70,616	66,319	63,654	80,587	1,04,236	1,14,986	1,20,577
Interest Expended	32,506	50,040	43,201	38,815	49,942	69,899	78,265	81,860
Employees Cost	5,434	9,279	11,993	12,644	14,343	16,967	17,910	17,209
Other Operating Expenses	7,335	11,297	11,124	12,195	16,302	17,370	18,810	21,509
Provisions for Loan Losses	13,994	21,704	16,309	14,118	9,627	11,743	10,280	11,303
Profit Before Tax (PBT)	1,525	-1,234	6,373	10,008	20,565	25,799	27,619	24,945
Tax Expense	438	-2,176	4,919	2,308	5,877	7,390	7,160	5,468
Effective Tax %	28.7%	176.36%	77.19%	23.06%	28.58%	28.64%	25.92%	21.92%
Total Profit for Period	1,087	942	1,454	7,700	14,688	18,410	20,459	19,477
Less: Non-controlling Interests	66	53	73	83	100	101	149	0
Net Profit (Owner's PAT)	1,021	889	1,381	7,617	14,588	18,308	20,310	19,477
PAT Growth YoY %	—	-12.9%	55.34%	451.44%	91.52%	25.5%	10.94%	-4.1%
Earnings Per Share (EPS)	₹4.16	₹2.01	₹2.99	₹15.18	₹28.82	₹36.29	₹40.06	₹37.66
Diluted Shares Outstanding (Cr.)	265	462	517	517	517	517	517	517
Asset Quality & Capital	0	0	0	0	0	0	0	0
Additional Tier 1 Ratio (%)	0.01	0.01	0.02	0.12	0.13	0.01	0.01	0
CET-1 Ratio (%)	0.12	0.1	0.12	0.16	0.17	0.13	0.14	0.14
Profit/Loss from Associates	79	39	166	233	317	459	406	0

Bank of Baroda balance sheet

Assets, liabilities and shareholders' equity as reported, in Schedule III order. Figures in ₹ crore unless a row states otherwise.

Bank of Baroda annual balance sheet with assets, liabilities and equity. Figures in ₹ crore unless a row states otherwise.
Line item	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Shareholders' Equity	55,333	76,490	82,390	92,721	1,06,049	1,20,730	1,46,503	1,65,868
Equity Share Capital	530	925	1,036	1,036	1,036	1,036	1,036	1,036
Reserves & Surplus	54,802	75,565	81,354	91,686	1,05,014	1,19,695	1,45,467	1,64,833
Total Banking Liabilities	7,64,339	11,23,452	11,20,286	12,47,416	14,19,830	15,34,049	17,15,271	19,35,634
Deposits	6,65,589	9,73,228	9,95,910	10,75,804	12,34,682	13,51,802	14,96,688	16,75,895
Borrowings	68,868	95,753	71,263	1,09,526	1,07,910	1,01,959	1,35,813	1,70,297
Other Liabilities & Provisions	29,883	54,471	53,113	62,085	77,238	80,288	82,771	89,442
Total Liabilities	8,19,672	11,99,942	12,02,676	13,40,137	15,25,879	16,54,779	18,61,774	21,01,502
Total Banking Assets	8,19,672	11,99,942	12,02,676	13,40,137	15,25,879	16,54,779	18,61,774	21,01,502
Cash & Balances with RBI	28,225	34,245	40,154	56,775	56,696	56,720	58,191	64,686
Bank Balances & Money at Call	69,659	96,760	88,507	73,454	45,677	43,570	74,287	96,137
Investments	1,95,716	2,89,727	2,81,859	3,47,587	3,97,487	4,07,136	4,27,380	4,35,778
Advances	4,84,215	7,06,540	7,23,242	7,97,281	9,63,652	10,88,983	12,37,240	14,40,458
Fixed Assets	7,144	9,044	8,217	10,188	8,957	8,148	12,634	12,197
Other Assets	34,712	63,627	60,696	54,852	53,410	50,221	52,043	52,246
Non-Current Assets	7,144	9,044	8,217	10,188	8,957	8,148	12,634	12,197
Fixed Assets	7,144	9,044	8,217	10,188	8,957	8,148	12,634	12,197
Total Assets	8,19,672	11,99,942	12,02,676	13,40,137	15,25,879	16,54,779	18,61,774	21,01,502
Total Borrowings	68,868	95,753	71,263	1,09,526	1,07,910	1,01,959	1,35,813	1,70,297
Net Debt	40,642	61,508	31,110	52,751	51,214	45,239	77,622	1,05,611
Debt to Equity (x)	1.24	1.25	0.86	1.18	1.02	0.84	0.93	1.03

Bank of Baroda cash flow statement

Cash generated and used across operating, investing and financing activities. Figures in ₹ crore unless a row states otherwise.

Bank of Baroda annual cash flow statement across operating, investing and financing activities. Figures in ₹ crore unless a row states otherwise.
Line item	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Net Cash from Operating Activities	6,538	-21,271	-6,274	34,892	33,426
Profit Before Tax	0	0	0	0	0
Depreciation & Amortisation	2,005	3,735	1,665	1,500	2,047
Finance Costs	1,958	1,935	1,910	3,126	3,463
Working Capital Changes	-20,121	-50,014	-39,468	1,811	-3,759
Tax Paid	-1,008	-5,618	-8,303	-9,628	-4,846
Net Cash from Investing Activities	-3,652	-1,096	-1,285	-6,494	-3,275
Purchase of PPE	0	0	0	0	0
Sale of Fixed Assets	-242	197	477	420	301
Interest Received	0	0	0	0	0
Net Cash from Financing Activities	-1,319	-5,488	5,476	3,790	-1,806
Proceeds from Borrowings	0	0	0	0	0
Repayment of Borrowings	0	0	0	0	0
Interest Paid	-1,958	-1,935	-1,754	-2,691	-3,556
Dividend Paid	0	-1,466	-2,844	-3,930	-4,318
Buyback / Redemption of Shares	0	0	0	0	0
Lease Liabilities Paid	0	0	0	0	0
Net Change in Cash	1,567	-27,855	-2,084	32,188	28,345
Effect of Foreign Exchange Changes	0	0	0	0	0
Free Cash Flow	6,538	-21,271	-6,274	34,892	33,426

Bank of Baroda key ratios

Valuation, profitability, return, leverage and per-share measures computed from reported statements — not from adjusted or normalised earnings.

Bank of Baroda trades at a P/E of 6.93× against a sector median of 7.54× — a 8% discount. Sector comparisons can mislead for conglomerates with mixed business lines.

Bank of Baroda valuation, profitability, return and leverage ratios
Ratio	Category	Value
P/E (TTM)	Valuation	6.93
Forward P/E	Valuation	6.64
P/B	Valuation	0.75
PEG (TTM)	Valuation	0.71
EV / EBITDA (TTM)	Valuation	7.68
P/S (TTM)	Valuation	1.88
Operating margin	Profitability	64.2%
Net margin (TTM)	Profitability	26.37%
Return on equity	Return ratios	12.7%
Return on capital employed	Return ratios	5.63%
Return on assets	Return ratios	1.01%
Debt to equity	Leverage & liquidity	11.1
Beta	Leverage & liquidity	1.37
EPS (TTM)	Per share	₹35.12
Book value	Per share	₹320.74
Revenue / share (TTM)	Per share	₹147.63
Cash flow / share	Per share	₹64.64
Dividend yield	Shareholder returns	3.49%
Dividend payout (TTM)	Shareholder returns	43.16%

How this is calculated

Statements are as filed with the exchanges. Consolidated figures are shown where reported. Figures are in rupees crore unless the table states otherwise. Ratios are computed from the same reported statements, not from adjusted or normalised earnings.

Index membership reflects the Nifty 100 as published by NSE Indices, effective 2026-03-30.

Bank of Baroda: frequently asked questions

Is Bank of Baroda profitable?

Bank of Baroda reported a net profit of ₹19,477 crore in Mar 2026, down 4.1% on the previous financial year.

What is Bank of Baroda's EPS?

Bank of Baroda reported earnings per share of ₹37.66 for Mar 2026.

What is Bank of Baroda's return on equity?

Bank of Baroda's return on equity stands at 12.70%. ROE measures profit generated per rupee of shareholder equity.

How many years of Bank of Baroda financials are shown?

8 reported financial years are tabulated on this page, the most recent being Mar 2026.

Are these figures consolidated or standalone?

Consolidated figures are shown wherever the company reports them, and standalone otherwise. The basis in use is labelled on the statement table.

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Disclaimer

The data, ratios and commentary about Bank of Baroda (BANKBARODA) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.