Bank of Baroda Q2 Results: Net Profit Jumps 36% | Top Management Exclusive

Bank of Baroda has reported a strong set of Q2 results, with net profit rising 35.8% year-on-year to a record ₹6,531.5 crore. Net Interest Income (NII) grew 9% to ₹13,026 crore, while asset quality improved, with gross and net NPAs declining sequentially. The bank has raised its loan growth guidance to 13-15% and deposit growth outlook to 11-13%, signalling confidence in business momentum. It has maintained its NIM target of 2.7-2.95% and expects ROA to remain above 1% in the coming quarters. In an exclusive conversation, Dr Debadatta Chand, MD & CEO, Bank of Baroda, discusses the bank's Q2 performance, growth strategy, profitability outlook and expectations for the second half of FY27.