Public sector lender Bank of Baroda reported strong provisional business momentum for the quarter ended December 31, 2025 (Q3 FY26), with significant year-on-year growth in core balance sheet metrics. The bank’s update was filed with stock exchanges under SEBI disclosure norms.
Key Provisional Numbers – Q3 FY26
| Metric | As of 31 Dec 2025 | YoY Growth |
|---|---|---|
| Global Business | ₹28,90,661 crore | +12.22% |
| Global Advances | ₹13,43,912 crore | +14.57% |
| Global Deposits | ₹15,46,749 crore | +10.25% |
| Domestic Advances | ₹10,95,528 crore | +13.54% |
| Domestic Deposits | ₹13,07,189 crore | +11.13% |
| Domestic Retail Advances | ₹2,85,464 crore | +17.30% |
Business Growth Driven by Loans and Deposits
Bank of Baroda’s total global business — the sum of advances and deposits — expanded more than 12% year-on-year to ₹28.91 trillion, underscoring sustained credit demand and robust deposit mobilisation as of December 31, 2025.
The bank’s global advances clocked ₹13.44 trillion, up nearly 15% YoY, reflecting broad-based lending growth. Global deposits also rose strongly by over 10% YoY to ₹15.47 trillion.
On the domestic front, advances and deposits each posted healthy double-digit growth, supporting the bank’s core retail and corporate credit delivery. Retail loans in particular demonstrated vigorous 17.3% growth, driven by sustained demand for personal and home loans.
Outlook Ahead
These provisional figures, released ahead of the bank’s full audited results, indicate that Bank of Baroda is tracking well on its balance-sheet expansion trajectory across both lending and deposit franchises. Analysts will closely watch upcoming Q3 FY26 earnings, including net profit, asset quality, net interest margins and provisions, which will be disclosed when the bank announces full quarterly results later this month.
Bank of Baroda’s shares are listed on both the BSE and NSE, and the strong business metrics are expected to attract attention in the financial markets ahead of earnings season.
