State-owned Bank of Baroda on Friday (October 31) reported a net profit of ₹4,809 crore for the quarter ended September 2025, down 8.2% from ₹5,237 crore in the same period last year. Net interest income (NII) increased 2.8% year-on-year to ₹11,954 crore from ₹11,637 crore.

The bank’s asset quality showed improvement, with gross non-performing assets (NPA) declining to 2.16% from 2.28% in the previous quarter. Net NPA also eased to 0.57% from 0.60% sequentially.

Non-interest income for the quarter stood at ₹3,515 crore, bringing H1FY26 non-interest income to ₹8,189 crore, a 7% year-on-year increase. Global net interest margin (NIM) improved sequentially by 5 basis points to 2.96% in Q2FY26, while domestic NIM rose 4 basis points quarter-on-quarter to 3.10%.

Operating profit for the qu

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