The bank had posted a net profit of Rs 5,238 crore in the year-ago period.
Total revenues also fell to Rs 35,026 crore in the second quarter compared to Rs 35,445 crore in the same period of the previous fiscal, BoB said in a regulatory filing.
However, interest income improved to Rs 31,511 crore, compared to Rs 30,278 crore in the year-ago quarter.
Net interest income (NII) witnessed a marginal increase to Rs 11,954 crore this quarter, compared to Rs 11,637 crore a year ago.
During the quarter, operating profit fell 20 percent to Rs 7,576 crore, compared to Rs 9,477 crore in the year-ago quarter. In terms of asset quality, the bank’s gross non-performing assets (NPAs) fell to 2.16 percent of gross advances at end-September 2025 from 2.50 percent a year ago. Similarly, net NPAs or bad loans declined to 0.57 percent at end-September 2025, compared to 0.6 percent at end-September 2024.
As a result, provisions and contingencies fell to Rs 1,232 crore from Rs 2,336 crore in the second quarter of the last fiscal.
During the quarter, the Provision Coverage Ratio (PCR) declined to 93.21 percent as on September 30, 2025, from 93.61 percent at the end of the second quarter of the last fiscal.
In terms of capital adequacy, the Capital to Risk-Weighted Assets Ratio (CRAR) increased from 16.26 percent to 16.54 percent.
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