Bank of Baroda Earnings Summary — Q4 FY2026

BCC:ISD:118:16: 235

14.05.2026

| The Vice-President,BSE Ltd.,Phiroze Jeejeebhoy TowersDalal StreetMumbai-400 001BSE CODE-532134 | The Vice-President,National Stock Exchange of India Ltd.Exchange Plaza,Bandra Kurla Complex,Bandra (E)Mumbai-400 051CODE-BANKBARODA |
| --- | --- |

Madam / Dear Sir,

Re: Disclosure under Regulation 46(2) of SEBI (LODR)

th
We enclose transcript of Media Meet & Analyst Meet held on 08 May 2026 for Q4 (FY 2025-26)
Financial Results.

We request you to take note of the above pursuant to Regulation 46 of SEBI (LODR) Regulations, 2015
and upload the information on your website.

Yours faithfully,

S BALA Digitally signed by S BALA KUMAR

S Balakumar

S Balakumar
Company Secretary

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## Bank of Baroda Media Meet for Quarter and Year ended 31

**st** **March 2026**

**8** **th** **May 2026**

## Participating members from the Management Team of the Bank

Ø _Dr. Debadatta Chand, Managing Director & CEO_ Ø _Mr. Lalit Tyagi, Executive Director_ Ø _Mr. Sanjay Vinayak Mudaliar, Executive Director_ Ø _Mr. Lal Singh, Executive Director_ Ø _Ms. Beena Vaheed, Executive Director_ Ø _Mr. I V L Sridhar, Chief Financial Officer (CFO)_

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## Moderator: Good afternoon everyone and welcome to Bank of Baroda's media conference for our

financial results for the quarter and year ended 31st March 2026. Thank you all for joining us. We have with us today our MD and CEO Dr. Debadatta Chand and he is joined by the Bank's executive directors and our CFO. After brief introduction, we will start with a short presentation followed by opening remarks by Dr. Chand and then we will have the Q&A session. Chand Sir, over to you.

**Dr. Debadatta Chand: So, thanks Phiroza. Good evening to all my media friends. Let me introduce the** management team. I'm D. Chand, MD and CEO of Bank of Baroda. Along with me, Mr. Lalit Tyagi is the executive director who looks after the corporate credit, international and treasury business of the Bank. Then we have, Mr. Sanjay Mudaliar, he's the executive director who looks after the IT, the retail asset and many of the similar functions, platform functions as far as he is concerned. We have Mr. Lal Singh, he's the executive director who looks after the SAMV, the stress asset vertical along with the HR function and couple of other like MSME and other verticals therein. And we have Madam Beena Vaheed, she looks after the control, compliance, the operations of the entire Bank and the retail liability more importantly for the Bank. And we have the CFO Mr. I V L Sridhar who is joining also for last couple of quarters. With this over to you.

**Moderator: Thank you sir. We will now have the PPT, a short presentation on the results which CFO** Sir will take us through.

**Mr. I V L Sridhar: Good evening everyone. It's my privilege to present before you the financial** highlights of Bank of Baroda for the quarter and financial year ended 31st March 2026. As at the end of FY 2026, the Bank's global business volume has crossed the milestone of Rs. 30 lakh crores and stands at Rs. 30.78 lakh crores, registering the YoY growth of 13.9 %. Our global advances have grown by 16.2 % YoY with the domestic advances growing at 14.5 % and international at 24.4 %. Within the advances book, the Bank has continued to focus on RAM advances. Our organic retail book grew by

17.9 %, agriculture 20.7 % and organic MSME at 15.6 %. Corporate loans have grown by 11.2 % YoY. Within the retail segment, we have seen smart growth across the portfolio with auto loan at 20.6 %, mortgage loans at 19.3 %, home loan at 14.6 %, educational loan at 10.9 % and personal loans at 8.7% YoY. In terms of deposit growth, our total deposits have grown by 12 % with international deposits growing by 7.5 % and domestic deposits by 12.8 %. The domestic CASA deposits have grown by 9.8 % and term deposits have registered a growth of 14.8 % YoY. As of 31st March 2026, the Bank's domestic credit deposit ratio stands at 83.46 %. The

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