BANKBARODA

BCC:ISD:118:16:367 24.07.2026 The Vice-President, The Vice-President, B S E Ltd., National Stock Exchange of India Ltd. Phiroze Jeejeebhoy Towers Exchange Plaza, Dalal Street Bandra Kurla Complex, Bandra (E) Mumbai – 400 001 Mumbai – 400 051 BSE CODE-532134 CODE-BANKBARODA Madam/Dear Sir, Re: Bank of Baroda – Investor Presentation Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. please find enclosed a copy of Investor Presentation with regard to the Financial Results of the Bank for the quarter ended on 30th June 2026. A copy of the Investor Presentation will also be made available on the Bank's website i.e. www.bankofbaroda.bank.in. This is for your information and records. Yours faithfully, S Balakumar Company Secretary Encl. - As Above बडौदा कॉप(cid:574)रेट स(cid:581)टर, सी-26, जी-(cid:222) लॉक, बा(cid:219)(cid:289)ा कुला(cid:91) कॉ(cid:224) (cid:220) ल(cid:200)े स, मुंबई 400 051, भारत. Baroda Corporate Centre, Bandra Kurla Complex, Mumbai 400 051, India फोन / Ph : 91 22 6698 5812 ई मेल / E Mail : companysecretary.bcc@bankofbaroda.bank.in वेब / Web : www.bankofbaroda.bank.in Key Highlights Business Details (INR crore) Key Performance Drivers Jun 30, 2025 Jun 30, 2026 YOY (%) Net Profit (INR crore) Net Interest Margin (%) Without considering Domestic Deposits 12,04,283 13,81,535 14.7 Exceptional Item Net Profit:INR5,528crore International Deposits 2,31,351 2,52,024 8.9 Global Deposits 14,35,634 16,33,559 13.8 20,021 2.91 2.89 2.89 Retail Advances (Organic) 2,61,479 3,09,674 18.4 2.77 2.77 Domestic Gross Advances 9,91,363 11,50,906 16.1 International Advances 2,15,693 2,65,992 23.3 5,616 4,541 Global Advances 12,07,056 14,16,898 17.4 1,278 1,278 Total Business 26,42,690 30,50,457 15.4 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Financial Performance (INR crore) Return on Assets (%) Return on Equity (%) # Q1FY26 Q1FY27 YoY (%) Without considering Without considering Exceptional Item RoA : Exceptional Item RoE : 1.10% 16.57% Net Interest Income 11,435 12,524 9.5 17.29 1.15 16.30 Non-Interest Income 4,675 3,470 -25.8 1.03 1.06 15.38 Operating Profit 8,236 8,127 -1.3 Net Profit 4,541 1,278 -71.8 GNPA Ratio (%) 2.28 1.99 (29 bps) 0.25 0.25 3.89 3.89 NNPA Ratio (%) 0.60 0.50 (10 bps) Capital Adequacy Ratio 17.61% 16.30% (131 bps) Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 3 #Calculated on Avg. Networth Value to our Shareholders Book Value per Share (INR) Earnings per Share (INR) (Non-Annualised) Without considering ExceptionalItemBVPS: INR264.5 10.9 250.8 251.7 256.2 10.1 9.8 9.8 242.0 9.4 9.3 233.4 220.0 223.3 8.6 8.8 210.8 197.6 Without considering Exceptional Item EPS:INR10.69 2.5 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Shareholding Pattern Credit Ratings CARE Edge Global Moodys Ratings Fitch Ratings S&P Global Ratings Others, 10.18% Ratings Baa3/P-3/Stable BBB-/ F3/Stable BBB / A2/Stable BBB+/Stable MF's/UTI, 9.78% Type of Instrument Rating Agency Basel III Tier-I / AT1 Basel III Tier II Bonds GoI, 63.97% bonds FII/FPI's, 10.14% India Ratings IND AAA/Stable (Issuer Rating) IND AA+/Stable ICRA [ICRA]AAA (Stable) [ICRA]AA+ (Stable) Insurance Cos., 5.93% CRISIL CRISILAAA/Stable CRISILAA+/Stable CARE CAREAAA; Stable 4 Key Ratios Cost of Deposits Yield on Advances Net Interest Margin Domestic Domestic Domestic 5.22% 5.00% 4.86% 5.07% 4.86% 8.61% 7.99% 7.91% 8.24% 7.91% 3.06% 3.08% 2.93% 3.04% 2.93% Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 International International International 4.05% 3.70% 5.56% 5.05% 5.02% 5.34% 5.02% 1.75% 1.66% 1.69% 1.74% 1.69% 3.46% 3.45% 3.45% Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Global Global Global 8.09% 5.05% 4.78% 4.66% 4.87% 4.66% 7.44% 7.37% 7.71% 7.37% 2.91% 2.89% 2.77% 2.89% 2.77% Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 FY26 Q1FY27 6 Operating Performance Particulars Q1 FY26 Q4 FY26 Q1 FY27 YoY (%) (INRcrore) Interest on advances 23,636 24,745 25,524 8.0 Interest on investments 6,321 6,109 6,556 3.7 Other Interest income 1,135 1,787 1,131 -0.4 Total Interest Income 31,091 32,642 33,211 6.8 Interest on Deposits 17,639 17,990 18,273 3.6 Interest on borrowings 1,116 1,289 1,413 26.6 Other Interest paid 901 869 1000 11.0 Total Interest Expenses 19,657 20,148 20,686 5.2 Net Interest Income (NII) 11,435 12,494 12,524 9.5 Fee based Income 1,622 2,093 1,291 -20.4 Treasury Income 2,226 44 893 -59.9 Other Non-Interest Income 826 1,830 1,286 55.6 Non- Interest Income 4,675 3,967 3,470 -25.8 Operating Income 16,109 16,460 15,995 -0.7 Operating Expenses 7,873 7,391 7,868 -0.1 Operating Profit 8,236 9,069 8,127 -1.3 Cost to Income Ratio (%) 48.87 44.90 49.19 32 bps 7 Non-Interest Income Particulars Q1 FY26 Q4 FY26 Q1 FY27 YoY (%) (INRcrore) Commission, Exchange, Brokerage 738 1,012 392 -46.8 Incidental Charges 349 293 296 -15.2 Forex Income 47 80 54 14.9 Other Miscellaneous Income 488 708 549 12.5 Fee based Income 1,622 2,093 1,291 -20.4 Trading Gains –Profit from Sale of Investments 2,016 372 275 -86.4 Revaluation of Investment -137 -781 364 -- Profit on Exchange Transactions 347 453 254 -26.8 Treasury Income 2,226 44 893 -59.9 Dividend Income 192 292 0 -- Recovery from TWO 634 1,485 1,006 58.6 Other Income 0 53 280 -- Other Non-Interest Income 826 1,830 1,286 55.6 Total Non-Interest Income 4,675 3,967 3,470 -25.8 8 Operating Expenses Particulars Q1 FY26 Q4 FY26 Q1 FY27 YoY (%) (INRcrore) Employee Cost 4,308 3,262 4,247 -1.4 of which:Salaries 3,320 3,479 3,568 7.5 Provisions for employees 988 -217 679 -31.3 Other Operating Expenses 3,565 4,129 3,621 1.6 of which : 415 532 433 4.4 Rent, Taxes and Lighting Printing and Stationery 42 55 44 5.4 Depreciation 470 511 402 -14.5 Law charges 139 241 242 74.2 Repairs and Maintenance 389 351 364 -6.3 Insurance 547 678 456 -16.6 NFS charges/Fees 101 99 96 -5.0 Other Expenditure 1,461 1,661 1,583 8.4 Operating Expenses 7,873 7,391 7,868 -0.1 9 Profit Position Particulars Q1 FY26 Q4 FY26 Q1 FY27 YoY (%) (INRcrore) Operating Profit 8,236 9,069 8,127 -1.3 Total Provisions 1,967 3,150 6,323 -- of which: 1,686 2,566 1,043 -38.2 Provision for NPA & Bad Debts Written-off Provision for Non-Performing Investment -86 315 -106 -- Provision for Standard Advances 324 194 -283 -- Other Provisions* 43 76 5,670 -- ProfitbeforeTax 6,270 5,919 1,804 -71.2 Tax Provisions 1,728 303 526 -69.6 Net Profit 4,541 5,616 1,278 -71.8 *includes exceptional item of USD 600 Mn equivalent to INR 5,680 crore 10 Deposits Particulars % share in Domestic Deposits in Jun’26 Jun’25 Jun’26 YOY (%) Mar’26 Jun’26 QOQ (%) (INRcrore) Domestic CASA Deposits 4,73,637 5,21,149 10.0 5,45,034 5,21,149 -4.4 Savings Deposits Domestic Saving 32% 4,01,582 4,38,643 9.2 4,45,929 4,38,643 -1.6 Deposits Domestic Current 72,055 82,506 14.5 99,105 82,506 -16.7 Deposits Term Deposits Current 62% Deposits Term Deposits 7,30,646 8,60,385 17.8 8,56,256 8,60,385 0.5 6% Retail Term Deposits 4,98,699 5,42,729 8.8 5,36,877 5,42,729 1.1 % share in Domestic Deposits in Jun’25 Bulk Deposits 2,31,947 3,17,656 37.0 3,19,379 3,17,656 -0.5 (including CD)^ Savings Domestic Deposits 12,04,283 13,81,535 14.7 14,01,290 13,81,535 -1.4 Deposits 33% International Deposits 2,31,351 2,52,024 8.9 2,47,197 2,52,024 2.0 Term Total Deposits 14,35,634 16,33,559 13.8 16,48,487 16,33,559 -0.9 Deposits Current 61% Deposits 6% Domestic CASA(%) 39.33% 37.72% (161 bps) 38.90% 37.72% (118 bps) ^Bulk Deposits considered INR 3 crore and above 12 Advances Particulars Jun’25 Jun’26 YOY (%) Mar’26 Jun’26 QOQ (%) (INRcrore) % share in Gross Domestic Credit in Jun’26 Retail* 2,61,479 3,09,674 18.4 3,02,598 3,09,674 2.3 Agriculture 16.7% Home Loans* 1,33,673 1,53,285 14.7 1,50,305 1,53,285 2.0 Auto Loans* 47,446 59,436 25.3 56,157 59,436 5.8 Mortgages Loans* 22,529 28,694 27.4 26,559 28,694 8.0 Corporate 37.1% Education Loans 11,515 12,754 10.8 12,599 12,754 1.2 Retail^ Personal Loans 36,690 39,431 7.5 39,262 39,431 0.4 31.6% Gold Loans 7,322 13,536 84.9 14,010 13,536 -3.4 RAM –62.9% MSME Others 2,304 2,537 10.1 3,707 2,537 -31.6 14.6% Agriculture 1,61,764 1,91,989 18.7 1,91,063 1,91,989 0.5 % share in Gross Domestic Credit in Jun’25 Gold Loans 60,992 84,412 38.4 83,225 84,412 1.4 Agriculture 16.3% MSME* 1,35,660 1,63,264 20.3 1,59,786 1,63,264 2.2 Corporate 3,70,266 4,27,082 15.3 4,56,584 4,27,082 -6.5 Others 62,195 58,896 -5.3 59,427 58,896 -0.9 Corporate 37.3% Gross Domestic Advances 9,91,363 11,50,906 16.1 11,69,458 11,50,906 -1.6 Retail^ International Gross Advances 2,15,693 2,65,992 23.3 2,60,421 2,65,992 2.1 32.1% Global Gross Advances 12,07,056 14,16,898 17.4 14,29,879 14,16,898 -0.9 RAM –62.7% MSME 14.3% *ex-pool purchase. Retail including pool stands at INR 3,26,384 crore. MSME including pool at INR 1,67,690crore as on 30 June 2026 ^ Retail including Pool, Staff, LABOD & Others 13 Industry-wise Outstanding Jun’25 Jun’26 Particulars (INR crore) Outstanding Share (%) Outstanding Share (%) Infrastructure of which 1,29,644 13.1 1,15,673 10.1 1. Power 59,197 6.0 78,932 6.9 2. Telecom 7,112 0.7 8,138 0.7 3. Roads & Ports 33,771 3.4 16,358 1.4 4. Other Infrastructure 29,565 3.0 12,245 1.1 Basic Metals & Metal Industry 21,197 2.1 19,458 1.7 95% 97% of which Iron & Steel 15,579 1.6 14,846 1.3 Textiles 15,500 1.6 16,501 1.4 Petroleum 4,801 0.5 7,477 0.6 All Engineering 8,176 0.8 9,530 0.8 3% 2% Food Processing 13,955 1.4 17,700 1.5 1% 2% Chemicals and Chemical Products 13,005 1.3 11,135 1.0 Jun'25 Jun'26 NBFC 1,15,262 11.6 1,51,482 13.2 A & Above BBB Below BBB Other Industries / Sectors 2,26,339 22.8 2,83,577 24.6 *External Rating Distribution of Domestic Advances above Retail Loans 2,81,720 28.4 3,26,384 28.4 INR 50 Crore Agriculture 1,61,764 16.3 1,91,989 16.7 Gross Domestic Advances 9,91,363 100.0 11,50,906 100 14 Segment wise breakup & Ratings of NBFC Standard Outstanding NBFC Portfolio by Ownership Rating Profile of NBFCs Standard Outstanding* Particulars Mar’26 Jun’26 Outstanding Outstanding 13% 12% % Share % Share (INR crore) (INR crore) Pvt others AAA 1,38,847 71.45 1,35,803 74.01 Backed by Large 39% 40% Private AA 47,866 24.63 41,700 22.73 Institutions Backed by PSUs A 5,826 3.00 4,911 2.68 16% 15% Central & State BBB 1,202 0.62 427 0.23 PSUs BB & below^ 594 0.31 644 0.35 32% 33% Total 1,94,334 100 1,83,485 100 Mar'26 Jun'26 ^Includes Unrated Foreign NBFC entities *Includes advances and investments in Domestic & International Branches 15 Treasury Operations Particulars (INR crore) Jun’25 Mar’26 Jun’26 • Domestic investment book comprises of 74% in HTM; 15% in AFS; 10% in FVTPL and 1% in Subsidiaries / Joint Ventures and RRB’S Domestic Investments 3,59,734 3,72,318 3,94,078 • The percentage of Investments in SLR Securities to NDTL as of of which June 30, 2026 was at 24%. 2,96,270 3,05,744 3,31,566 SLR Non SLR 63,464 66,574 62,512 Modified Duration Particulars Jun’25 Mar’26 Jun’26 Held To Maturity (HTM) 2,56,877 2,74,774 2,90,119 AFS 3.01 2.57 3.32 Available For Sale (AFS) 87,143 58,987 60,776 HTM 4.15 4.37 4.57 FVTPL 4.16 5.47 5.29 Fair Value Through Profit and 10,782 32,969 37,495 Total Investment 3.88 4.17 4.44 Loss (FVTPL) Yield on Investment Subsidiaries/Joint Ventures/ 4,932 5,588 5,688 Particulars Jun’25 Mar’26 Jun’26 RRB’s (Domestic) Domestic 6.93% 6.84% 6.91% International Investments 15,317 16,326 17,469 International 4.91% 4.41% 4.36% Global Investments 3,75,051 3,88,644 4,11,547 Global 6.88% 6.75% 6.82% 16 Financial Inclusion Zero Balance Accounts (%) Total Financial Inclusion Accounts Balance /Avg Balance in FI accounts (in Lakh) 4.80% 4.80% 4.73% 741 49,618 48,801 736 42,111 726 Jun'25 Mar'26 Jun'26 5,803 6,742 6,586 Market Share* of BOB in PMJDY Accounts (%) Jun'25 Mar'26 Jun'26 15.01% 14.80% 14.79% Jun'25 Mar'26 Jun'26 Balance in Financial Inclusion Accounts (in INR Crore) Average Balance (in INR) Transactions –By Amount (in INR crore) No. of Transactions#Through Business Correspondents (in lakhs) Jun'25 Mar'26 Jun'26 38,577 37,522 38,250 1,055 969 970 Market Share* of BOB in PMJDY Deposits (%) 17.68% 17.45% 17.67% Q1FY26 Q4FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 Jun'25 Mar'26 Jun'26 In Q1FY27, Bank’s -89-FLC centers across the country conducted -2,136-meetings/camps to educate -88,240-people. Further, *amongst PSBs our -69-RSETIs have trained -16,995-youth through -590-training programs. # incl. Financial & Non-Financial Transaction 1 s 7 Priority Sector Performance & Govt. Flagship Schemes As on 30thJune 2026 (YTD) ➢ Total Priority (43.15% of ANBC against norm of 40%) No. of Amt. in A/c Crore Mandated ➢ Agriculture (PS) Advances (18.94% of ANBC against norm of 18%) PM Vidyalaksh Norms under mi Scheme Sanctioned 1,071 155 ➢ Small & Marginal Farmers (12.11% of ANBC against norm of 10%) Priority Sector ➢ Weaker Section (15.26% of ANBC against norm of 12%) Disbursed 850 36 ➢ Micro Enterprises (10.31% of ANBC against norm of 7.5%) As on 30thJune 2026 No. of Amt. in A/c Crore PM Agri. Gold Loan (INR Crore) Surya Ghar Sanctioned 1,75,754 3,221 Yojana 83,225 84,412 No. of Amt. in Disbursed 1,66,444 3,040 A/c Crore 60,992 PM Amt. in Crore Q1FY27 Vishwakarma Sanctioned 67,234 581 PM Mudra Yojana Sanctioned 5,329 Disbursed 57,039 483 Disbursed 5,239 As on 30thJune 2026 Jun'25 Mar'26 Jun'26 18 Strong Asset Quality Gross NPA & Net NPA Slippage Ratio & Credit Cost 2.50 1.40 2.28 2.16 1.16 2.04 1.99 1.20 1.89 2.00 1.00 0.91 0.91 0.89 0.86 1.50 0.80 0.60 1.00 0.60 0.57 0.57 0.76 0.40 0.50 0.45 0.50 0.55 0.20 0.29 0.29 0.17 - - Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 NNPA (%) GNPA(%) Credit Cost (%) Slippage Ratio (%) 20 Movement of NPAs Particulars Q1 FY26 Q4 FY26 Q1 FY27 (INRcrore) A. Opening Balance 27,835 27,399 27,059 B. Additions 3,686 3,408 3,422 Out of which, Fresh Slippages 3,476 2,944 3,183 C. Reductions 3,950 3,749 2,330 Recovery 750 1,381 880 Upgradation 810 852 814 Cash Recovery + Upgradation 1,560 2,233 1,694 Write-Offs 2,116 1,512 625 Other Adju/ Exchange difference 273 4 12 Closing Balance (Gross NPA) 27,572 27,059 28,150 Net NPA 7,158 6,316 7,017 Recovery in TWO* 634 1,485 1,006 Total Recovery (NPA + TWO) 2,194 3,718 2,700 Slippage Ratio (%) 1.16 0.89 0.91 Credit cost (%) 0.55 0.76 0.29 Gross NPA Ratio (%) 2.28 1.89 1.99 Net NPA Ratio (%) 0.60 0.45 0.50 Provision Coverage Ratio (Including TWO) (%) 93.18 93.94 93.28 Provision Coverage Ratio (Excluding TWO) (%) 74.04 76.66 75.07 * Technical Write off accounts 21 Sectoral & Industry wise Contribution of NPAs Sector-wise NPA Industry-wise NPA Particulars (INR crore) Q1 FY26 Q4 FY26 Q1 FY27 Particulars (INR crore) Q1 FY26 Q4 FY26 Q1 FY27 Infrastructure of which 65 17 25 Corporate 55 34 34 1. Power 2 1 1 MSME 10,619 9,713 9,903 2. Telecom 1 1 1 3. Roads & Ports 10 0 1 Retail 5,224 5,447 5,877 4. Other Infrastructure 48 15 22 Basic Metals & Metal Industry 392 344 333 Agriculture 7,876 8,667 9,231 of which Others 107 97 102 Iron & Steel 188 179 168 Textiles 715 516 520 Total Domestic 23,882 23,958 25,147 Petroleum & Petrochemicals 0 0 0 All Engineering 334 208 224 International 3,690 3,101 3,003 Food Processing 464 509 537 Global 27,572 27,059 28,150 Chemicals and Chemical 121 112 139 Products 22 Asset Quality : Sectoral Fresh Slippages Fresh Slippages CRILC o/s SMA1 and SMA 2 (%) Particulars (INR crore) Q1 FY26 Q4 FY26 Q1 FY27 Corporate 0 34 0 MSME 1,228 1,241 1,298 0.40 Retail 995 686 870 0.18 Agriculture 725 903 993 0.07 Others 14 19 18 Jun'25 Mar'26 Jun'26 Total Domestic 2,962 2,883 3,179 International 514 61 4 SMA1 and SMA2 as a per cent of Standard advances (Accounts with outstanding above INR 5 crore CRILC data.) Global 3,476 2,944 3,183 The GNPA ratio for Housing loans (ex-pool) is 1.13%, Auto loans (ex- pool) is Collection efficiency (excluding Agriculture) stands 1.67%; Personal loans (ex- pool) is 4.95% ; Retail Gold loan (ex- pool) is 0.56% as at 99.17% as of June 2026. of June 2026. 23 Exposure to NCLT Accounts 39,271 29,294 100% 100% 100% 99% 99% 4,138 3,512 2,327 RBI List 1 RBI List 2 Account filed Account filed Total RBI 1 List RBI 2 List Accounts Accounts Total by BOB by others filed by BOB filed by at NCLT others at Exposure in INR Crore Provision Coverage (%) NCLT Provision Coverage Ratio under NCLT accounts is 99.83% 24 Capital Adequacy 17.61% 16.54% 16.30% 16.70% 15.29% 15.82% Tier II 2.46% 1.84% 2.39% 1.89% 1.03% 2.18% 0.50% AT-1 2.19% 0.51% 0.79% 0.48% 0.65% CET-1 14.12% 13.36% 13.16% 13.90% 14.36% 12.45% Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Consol Jun'26 Particulars (INR crore) Jun’25 Mar’26 Jun’26 Jun’26 (Consolidated) Common Equity Tier I Capital (CET 1) 1,21,215 1,36,295 1,40,428 1,50,434 Tier I Capital 1,30,088 1,41,268 1,45,566 1,55,672 Tier II Capital 21,169 22,576 19,130 19,317 Total Capital 1,51,257 1,63,844 1,64,696 1,74,989 ➢ Healthy Quarterly Average LCR (solo) of 127% (approx.) 26 Sustainability Initiatives….1/5 Sustainable & Social Loans Efficiency & Green Initiatives Bank has executed anMOUwith KFW, amultilateral Till date -537- Bank’s Owned/Leased/RSETI premises Waterless Urinals andWater Efficient Plumbing Fixtures are finance agency, under the programme known as (5.40 MW in total) are being run on Solar Energy. Approx. installed in several Administrative Buildings. Advisories issued "Solar Partnership - Promotion of Solar / PV in 10878 Tons of Carbon Dioxide Emission reduced as a for mandatory Installation of water-efficient fixtures (for India" ("Programme") to re-finance certain resultofusing Green/Renewable/SolarEnergy. various types of fittings) with specific maximum flow rates in all investments in the field of solar energy at a newfit-outsand renovations competitiverateofinterest A 60 kW EV charging station is installed at Corporate Office Buildings in Mumbai. Feasibility Assessment Introduced recycled paper for office use. Advisories issued for Bank has entered into an MOU with IREDA for Study has been initiated for providing EV Charging usageofrecycledpaperforroutineofficeworkpan collaboration in areas of Co-Lending/Co- Infrastructure at Bank's owned commercial buildings origination for Renewable Energy Projects as well as and residential premises - PAN India, to promote electric Bank is creating awareness among staff for prudent use of Loan Syndication andUnderwriting. mobility. electricity Bank has an outstanding of INR 34,009 crore for IGBC Green Building certification in -06- of Bank’s owned financing renewable energy projects under buildings. CorporateCredit segment. Implementation of No SUP (Single Use Plastic) usage at New Certification named- "IGBC Green Interior" proposed Bank’s offices PAN India. A circular has been issued to all Bank has schemes for financing solar powered for 40 branches-PAN India. Detailed advisories issued to Offices/Zonesstatingcompliance requirements. Zonal Functionaries. pumps, compressed Bio gas plants, installation of Solar Pumps and grid connected solar and other renewable power plants for farmers. Also, more Phase-wise Removal of DG Sets, wherever feasible, by Implementing Electricity Bill Management platform using AI (on loans are encouraged for micro irrigation for efficient substituting them with a combination of solar power, UPS, pilot basis) to automatically retrieve Bills from DISCOM and and inverter systems. With this, Bank can reduce Air useofwater Emissions like Sox, Nox& Particularmatters therein causing optimise energyconsumption. As on June 2026, Bank has extended loans to - Air pollution 3,97,640- SHGs with total outstanding amount of INR15,415crores. 28 Sustainability Initiatives….2/5 Governance Frameworks ➢ Pioneer PSB with a stakeholder-centric ‘Code of Ethics’ resting on our Five Pillars We Barodians ➢ Version 2.0/2025 Launched 01st April 2025 Our Our Customers Communities ➢ Regular outreach programs, webinars, and workshops to promote ethics Our External ➢ Appointed Ethics Counsellors, including dedicated Our Business Stakeholders lady counsellors for women employees ➢To oversee and drive the CSR, ESG, and Sustainability Agenda, the Bank has a “CSR and Sustainability Committee of the Board” which consists of MD & CEO, all Executive Directors and two Non-Executive Directors. ➢Under the CSR & Sustainability Committee of the Board, the Bank has a multidisciplinary “Core CSR and Sustainability Committee” which is also designated as “Green Cell” in implementing the Bank’s ESG, Sustainability and Climate Risk initiatives across all of its functions. 29 Sustainability Initiatives….3/5 Achievements ESG Rating Green Deposits Green Infrastructure Bonds Raised Long-Term Green Infrastructure Bonds on ▪ ESG rating upgraded by ESGRisk.ai (Acuite Group). ▪ Mobilized ₹ 2326.19 Cr. of Green Deposits March 04,2026: [Outstanding ₹ 1747] as on June 30, 2026. ‘Strong’ ‘Excellent’ ‘Excellent’ ▪ Deployed the entire Green Deposits proceeds i.e., ₹ ▪ First Public sector bank in India to issue ₹ 10,000 Score-63 Score-72 Score-73 crore via Series I Long-Term Green Infrastructure ₹ 2326.19 Cr. in the renewable energy sector as (July 11, (December (June 29, Bonds (GIB), a milestone for India’s Sustainable 2025) 10, 2025) 2026) on June 30, 2026. Bondsmarket. ▪ The 7-year tenor of GIB was oversubscribed 3x timesofbaseissueof₹5,000crore. ▪ Reflects proactive management of material ESG risks. ▪ Secured competitive cut-off coupon of 7.10 %, ▪ Reflects enhanced performance against various ESG achievinga“Greenium”. parameters. ▪ Rated 'AAA' (stable outlook) by CARE Ratings and Award ICRA Ratings. ▪ GIB proceeds of ₹ 10,000 crores utilized/being ▪ Received Confederation of Indian Industry (CII) utilized towards refinancing and fresh National EHS Excellence Award 2025 under the deployment of the eligible Renewable Energy Silver Category (in May 2026). sectorprojects. ▪ The given award underscores the Bank’s steadfast ▪ Undertaken SEBI’s Disclosure requirement covering Environmental & Social Risk Assessment commitment toward sustainability excellence, (ESRA), Third-Party Impact Assessment and employee wellbeing, environmental stewardship, Verificationofrefinancedprojects. governance standards and responsible institutional practices. ▪ Net GHG Emissions avoided via projects refinanced using GIBproceedsis approx.19.84Lakhs tCO eq. 2 30 Sustainability Initiatives….4/5 Initiatives for ESG and Climate Risk Management Rationale of the Initiatives Strategy ▪ To disclose progress achieved in Bank's ESG metrics and net-zero target by 2057 to the ▪ Published Bank’s Business Responsibility and stakeholders and attract sustainability focused Sustainability Report (BRSR) for the year 2025-26. investors. ▪ Formulated Bank’s Sustainable Financing Framework ▪ To provide a comprehensive structure for which is approvedby the Board. issuance of Green, Social and Sustainability (GSS) bonds by the Bank as per the regulatory ▪ Invested ₹3,237.58 Cr. in Sovereign Green Bonds as of guidelines and international best practices. June 30, 2026. ▪ To foster green finance portfolio of the Bank Metrics and Targets & its supported projects. ▪ Continuous actions are underway to achieve Bank’s Net Zero target by the 2057 year. ▪ To reflect the Bank’s commitment towards supporting green public infrastructure while ▪ Achieved the short-term target of 27.65 % reduction in Scope maintaining a high-quality, low-risk 1 & 2 emissions from the base year FY24 (prior to the investment portfolio. prescribed timeline) against the set target of 20.00 % by FY 2027. ▪ To demonstrate the Bank's commitment to ▪ Renewable Energy financing achieved was 39.14 % of total mitigate climate change impacts and reduce energy sector financing as on June 30, 2026, against the its carbon footprint in alignment with the target of 40% by 2027. Country's climate action goals. All the Sustainability Initiatives of Bank can be viewed by visiting dedicated ‘bob Earth Webspace’ having URL: https://bankofbaroda.bank.in/bob-earth 31 Sustainability Initiatives….5/5 • Observance of World Blood Donor Day • Observance of International Day of Yoga 2026 To mark International Day of On World Blood Donor Day Yoga 2026 (21 June), the (14 June), the Bank honoured Bank partnered with Sri Sri voluntary blood donors by School of Yoga (Art of Living administering a pledge across Foundation) to conduct yoga its branches/offices and sessions for employees across organizing voluntary blood India. The Foundation also donation camps at Zonal and continued its daily online yoga Regional Headquarters in sessions, including weekly live association with local blood Q&A interactions with expert banks and hospitals. yoga teachers every Sunday. • Reimbursement Scheme for Smart Vision Glasses • Reimbursement Scheme for Cervical Cancer (HPV) (SVG) for Visually Impaired Employees: Vaccination for Female Employees: Introduced a reimbursement scheme of up to ₹20,000 for Smart Vision Introduced a reimbursement scheme for Cervical Cancer (HPV) vaccination, Glasses (SVG) for visually impaired employees with 90% or more blindness. providingup to ₹1,000 perdose to eligiblefemale employees. The initiative promotes workplace accessibility and inclusion by leveraging The initiative supports employee well-being by promoting preventive healthcare assistive technology to enhance independent navigation, day-to-day and encouraging early adoption of measures to reduce the risk of cervical functioning, and job performance. cancer. 32 Digital Banking - Accelerating Digital Transformation 33 Leveraging Digital Infrastructure As of Jun’26 34 Accelerating Digital Growth….1/2 Channels & Products (Q1 FY’2025-26 vs Q1 FY’2026-27) Txnvalue 79,289 84,065 Txnvalue 2,66,520 2,96,242 Txnvalue in Rs Cr in Rs Cr in Rs Cr 775 1428 357 134 37.78 7% 9% 333 123 215% 12 Q1 FY 25-26 Q1 FY 26-27 Q1 FY 25-26 Q1 FY 26-27 Q1 FY 25-26 Q1 FY 26-27 bob World Users (In Lacs) bob World Internet Users (In Lacs) bob इ Pay Users (In Lacs) 1.88 Debit Card Txnvalue 379 326 Spends 2,845 2,696 38% in Rs Cr in Rs Cr 1.36 16.68 -5% 878 94% 831 8.62 Q1 FY 25-26 Q1 FY 26-27 Q1 FY 25-26 Q1 FY 26-27 Q1 FY 25-26 Q1 FY 26-27 WhatsApp Banking Users (In Lacs) CBDC Users wallet (In Lacs) Debit Card Base (In Lacs) 36 Accelerating Digital Growth….2/2 Merchant Ecosystem Turnover Turnover 15,691 16,847 2,565 2,151 in Rs Cr in Rs Cr Point of Sale 0.61 28% 34.02 15 % 0.53 UPI – QR 26.58 Q1 FY25-26 Q1 FY26-27 Q1 FY25-26 Q1 FY26-27 POS UPI – QR Number of Terminals (In Lacs) Number of QR Issued Column1 (In Lacs) Turnover 4,449 5,604 in Rs Cr 2.45 Internet Payment Sound Box 53 % Gateway 10,314 1.60 36% 7,577 Q1 FY25-26 Q1 FY26-27 Q1 FY25-26 Q1 FY26-27 IPG Sound Box Number of Merchants (Actual) Number of Devices (In Lacs) 37 Accelerating Digital Lending Total Digital Sanctions (Value in Cr.) 4345 155% 1700 Q1 FY 25-26 Q1 FY 26-27 Retail Digital Sanctions (Value in Cr.) 4065 172% 1497 Q1 FY 25-26 Q1 FY 26-27 Agri Digital Sanctions (Value in Cr.) 280 37% 205 Q1 FY 25-26 Q1 FY 26-27 38 Subsidiaries and JVs Performance Baroda BNP Paribas Asset IndiaFirst Life Insurance Co. Ltd. BOBCARD Limited Management India Pvt. Ltd. (Holding – 64.90%) (Holding – 100%) (Holding – 50.1%) ❑AUM stood at Rs 36,479 crs as on Jun 30, 2026 ❑Number of active Cards stood at 32.12 lacs ❑AAUM for Jun ,30 2026 stands at Rs 57,210 over Rs 32,496 crs as of Jun 30,2025. YOY as on 30 Jun,2026 against 30.25 lacs as on 30 crs over Rs 52,848 crs as on Jun,30 2025. growth of 12.26% . Jun 2025. YOY growth of 6.19% AAUM has risen 8.25% YOY. ❑The gross written premium increased to Rs ❑Card Spends for Q1 FY26-27 increased to Rs ❑Gross Revenue increased to Rs 59.97 crs for 1,739 crs in Q1 FY26-27 from Rs 1,564 crs for 11,243 crs from Rs 9,437 crs in Q1 FY25- Q1 FY26-27 from Rs 56.22 crs for Q1 FY25-26 Q1 FY25-26, a rise of 11.20% YOY. 26. YOY growth of 19.14% .YOY growth of 6.67% . ❑ Net profit Q1 FY 26-27 is at Rs 26.10 crs. ❑ANR increased to Rs 6,338.00 crs for Q1 ❑Net profit after tax decreased to Rs 18.51 crs FY26-27 against Rs 6,095 crs for Q1 FY25-26. ❑India First Life stands at 12 th position in Q1 for Q1 FY26-27 from Rs 20.46 crs for Q1 YOY growth of 3.99%. FY25-26 (NB GWP terms ) among private FY25-26. YOY decrease of 9.53%. Insurers. ❑ENR increased to Rs 6,348 for Q1 FY26-27 ❑ Number of active SIP as on Jun 30, 2026 against Rs 6,137 crs for Q1 FY25-26 . YOY ❑Market share amongst Private Insurers stands at stands at 4,90,583 over 4,81,466 as on Jun growth of 3.44%. 1.4% for Q1 FY26-27 (Individual NB APE terms). 30,2025. growth of 1.90 % YOY. ❑Net loss stands at Rs 103.56 crs for Q1 FY26- 27 against profit of Rs 20.80 crs in Q1 FY25- 26, Note: GWP –Gross written premium. Note : ANR –Average net receivable , ENR –End NB APE-New Business Annual premium Equivalent Note : AAUM –Average Asset Under Net receivable Management 40 Subsidiaries and JVs Performance BOB Capital Markets Limited Baroda Global Shared Services Limited (Holding – 100%) (Holding – 100%) ❑Gross Revenue increased to Rs 11.84 crs for Q1 FY26-27 from Rs 8.83 ❑Revenue from operations increased to Rs 59.00 crs for Q1 FY26-27 crs as in Q1 FY25-26. YOY growth of 34.08%. against Rs 46.80 crs for Q1 FY25-26 a growth of 26.06% YOY. ❑Net loss stood at Rs (3.93 crs) in Q1 FY26-27 against Rs (5.81 crs) in Q1 ❑Profit Before Tax (PBT) is Rs 1.37 crs for Q1 FY26-27 as against loss of FY25-26 Improved by 32.36%. Rs (4.92 crs) for Q1 FY25-26. YOY growth of 127.95% ❑Revenue from Investment Banking Equity division increase to Rs. 2.78 crs ❑Profit After Tax (PAT) increased to Rs 1.09 crs for Q1 FY26-27 as in Q1 FY26-27 from Rs 0.93 crs in Q1 FY25-26. YOY growth of 200.00%. against loss of Rs 4.72 crs for Q1 FY25-26. YOY growth of 123.12% ❑Retail Broking revenue increased to Rs 7.32 crs in Q1 FY26-27 from Rs ❑DST Disbursed more than Rs 5,214 crs across 4 DST products (HL- 5.67 crs in Q1 FY25-26. YOY growth of 29.10%. LAP,AL, EL and Agri-Tractor) during Q1 FY26-27. Corporate Business Correspondents generated a revenue of Rs 2.38 crs. ❑ Demat account opened during Q1 FY26-27 is 12,345 over 7,522 opened in Q1 FY25-26. YOY growth of 64.12%. ❑Agri Collections of Rs 1,882 crs achieved in Q1 FY26-27. 41 Subsidiaries and JVs Performance India Infradebt Limited Nainital Bank Limited (Joint Venture stake of 40.99%) (Holding – 98.62%) ❑Total Business increased to Rs 14,063.18 crs in Q1 FY26-27 from Rs ❑Total advances increased to Rs 31,166.22 crs in Q1 FY26-27 13,049.78 crs in Q1 FY25-26 YOY growth of 7.77%. from Rs 27,414.51 crs in Q1 FY25-26. YOY growth of 13.69%. ❑Gross advance increased to Rs 5,598.04 in Q1 FY26-27 from Rs 5,043.86 crs in Q1 FY25-26. YOY growth of 10.99%. ❑Total income increased to Rs 747.94 crs in Q1 FY26-27 from Rs ❑Total Deposit increased to Rs 8,465.14 crs in Q1 FY26-27 against Rs 677.06 crs in Q1 FY25-26. YOY growth of 10.47%. 8,005.92 crs in Q1 FY25-26. YOY growth of 5.74% . CASA Deposit increased to Rs 3,328.64 crs in Q1 FY26-27 from Rs 3,259.86 crs in Q1 ❑Profit after tax increased to Rs 155.89 crs in Q1 FY26-27 from Rs FY 25-26. 145.75 crs in Q1 FY25-26. YOY growth of 6.95%. ❑Gross NPA stood at Rs 299.73 crs in June 26 against Rs 396.32 crs in ❑India Infra debt limited has focused on renewable energy, roads Jun 25 with reduction of 24.37% YOY. Gross NPA ratio to advances decreased to 5.35% in Jun 26 from 7.87% in Jun 25. and other sectors during Q1 FY26-27. ❑Net profit stands at Rs 13.60 crs in Q1 FY26-27 against Rs 15.36 crs in Q1 FY25-26. 42 Overseas Subsidiaries Performance Bank of Baroda (Uganda) Ltd. Bank of Baroda (Kenya) Ltd. Bank of Baroda (Botswana) Ltd. (Subsidiary Holding – 80%) (Subsidiary Holding – 86.70%) (Subsidiary Holding – 100%) ❑Total Deposits stands at INR 7,041.10 crore as ❑Total Deposits stands at INR 11,770.08 crore ❑Total Deposits stands at INR 2,428.80 crore as at the end of Q1 FY27 registering a growth of as at the end of Q1 FY27 registering a growth at the end of Q1 FY27 registering a growth of 34.31% YoY. of 8.30% YoY. 20.39% YoY. ❑The net advances grew by 29.24% on a YoY ❑The net advances grew by 13.62% on a YoY ❑The net advances grew by 15.82% on a YoY basis to INR 4,375.21 crore at the end of Q1 basis and stood at INR 5,043.95 crore at the basis to INR 1,677.09 crore at the end of Q1 FY27. end of Q1 FY27. FY27. ❑Net profit increased by 12.98% YoY to INR ❑Net profit increased by 56.49% YoY to INR ❑Net profit decreased by 25.59% YoY to INR 90.55 crore for Q1 FY27. 119.00crore for Q1 FY27. 18.54 crore for Q1 FY27. ❑The RONW at the end of Q1 FY27 stands at ❑The RONW at the end of Q1 FY27 stands at ❑The RONW at the end of Q1 FY27 stands at 14.76%. 17.77%. 12.70%. ❑The GNPA ratio as at the end of Q1 FY27 is at ❑The GNPA ratio as at the end of Q1 FY27 is at ❑The GNPA ratio as at the end of Q1 FY27 is at 0.38%. 13.25%. 2.13%. Note: Financial year end for Uganda and Kenya is December. 43 Balance Sheet and PL– Consolidated Particulars Particulars Jun’25 Mar’26 Jun’26 Q1FY26 Q1FY27 YOY (%) (INR crore) (INR crore) CAPITAL & LIABILITIES Interest Income 32,866 35,115 6.8 Capital 1,036 1,036 1,036 Non Interest Income 5,538 6,202 12.0 Share Application Money Pending 0 0 0 Allotment Total Income 38,404 41,317 7.6 Reserves & Surplus 1,52,644 1,64,833 1,67,464 Interest Expenses 20,307 21,301 4.9 Minority Interest 1,314 1,498 1,555 Operating Expenses 9,511 9,433 -0.8 Deposits 14,60,055 16,75,895 16,61,941 Borrowings 1,33,238 1,70,296 1,73,286 Operating Profit 8,586 10,583 23.3 Other Liabilities & Provisions 91,385 87,944 1,11,646 Provisions 3,416 2,698 -21.0 T O T A L 18,39,672 21,01,502 21,16,928 Exceptional Items - 5,680 -- ASSETS Cash and Balances with RBI 53,801 64,686 50,665 Profit before Tax 5,170 2,205 -57.4 Balances with Banks 84,342 96,137 1,03,460 Tax 1,818 633 -65.2 Investments 4,18,666 4,35,778 4,61,230 Loans & Advances 12,15,182 14,40,458 14,27,708 Minority Interest 48 56 16.7 Fixed Assets 12,435 12,197 12,135 Share of Earning in Associates 165 267 61.8 Other Assets 54,335 51,335 60,819 Profit after Tax 3,469 1,783 -48.6 Goodwill on Consolidation 911 911 911 EPS (INR) 6.71 3.45 -48.6 T O T A L 18,39,672 21,01,502 21,16,928 44 Disclaimer The information contained in this presentation is provided byBank of Baroda (the “Bank”) to you solelyfor your information. 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