# Bank of Baroda > Public sector banks. Figures from the lender's own filings, each checked against the page it came from. Page: https://creditbrief.in/lenders/bob ## Loan book - ₹14.30 lakh crore on 31 March 2026, the end of FY2025-26 (Global gross advances). - ₹15.12 lakh crore on 30 Sep 2026, the latest half-year balance. - Source: Bank of Baroda Investor Presentation Q4 FY26, PDF page 14: https://nsearchives.nseindia.com/corporate/BANKBARODA_08052026164019_presentationfinal.pdf ## Findings - Grew 15% a year from March 2022 to March 2026, faster than 13 of the 29 other banks with like-for-like figures for those years. - Growth picked up to 16% in FY2025-26, from 13% the year before. - Held its place as the 4th biggest of these 33 banks from March 2022 to March 2026. ## What it lends against (30 Sep 2026) - Corporate: ₹4.26 lakh crore (28.1%) - International Gross Advances: ₹3.25 lakh crore (21.5%) - Agriculture: ₹2.02 lakh crore (13.4%) - MSME: ₹1.75 lakh crore (11.6%) - Home Loans: ₹1.59 lakh crore (10.5%) - Auto Loans: ₹63,324 crore (4.2%) - Others: ₹61,015 crore (4%) - Personal Loans: ₹40,625 crore (2.7%) - Mortgages Loans: ₹28,594 crore (1.9%) - Gold Loans (retail): ₹13,693 crore (0.9%) - Education Loans: ₹13,302 crore (0.9%) - Others (retail): ₹5,247 crore (0.3%) Source: Bank of Baroda Investor Presentation Q2 FY27, PDF page 13: https://nsearchives.nseindia.com/corporate/BANKBARODA_30102026163504_SEPRESENTATION.pdf ## Figures by period | Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 | |---|---|---|---|---|---|---| | Loan book (₹ crore) | 8,18,120 | 9,69,548 | 10,90,506 | 12,30,461 | 14,29,879 | 15,12,448 | | Corporate and wholesale loans (₹ crore) | 3,00,693 | 3,40,408 | 3,79,747 | 4,12,274 | 4,56,584 | 4,25,736 | | Deposits (₹ crore) | 10,45,939 | 12,03,688 | 13,26,958 | 14,72,035 | 16,48,487 | 17,45,435 | | CASA ratio (%) | 44.24 | 42.25 | 41.33 | 39.97 | 38.90 | 36.37 | | Branches (Number) | 8,168 | 8,200 | 8,243 | 8,424 | 8,648 | | | Mobile app users (Million) | 19.6 | 30 | 30.6 | 32.7 | 35.2 | 35.9 | ### Sources for each figure - Loan book, FY2021-22 (31 Mar 2022): "Global Gross Advances 7,51,590 8,18,120" (Bank of Baroda Investor Presentation Q4 FY22 (revised), PDF page 13) https://nsearchives.nseindia.com/corporate/BANKBARODA_31052022203959_BOBAnalystPPTQ4FY22Final_Revised.pdf - Loan book, FY2022-23 (31 Mar 2023): "Global Gross Advances 9,69,548 10,90,506" (Bank of Baroda Investor Presentation Q4 FY24, PDF page 12) https://nsearchives.nseindia.com/corporate/BANKBARODA_10052024150159_BOBAnalystPresentation.pdf - Loan book, FY2023-24 (31 Mar 2024): "Global Gross Advances 9,69,548 10,90,506" (Bank of Baroda Investor Presentation Q4 FY24, PDF page 12) https://nsearchives.nseindia.com/corporate/BANKBARODA_10052024150159_BOBAnalystPresentation.pdf - Loan book, FY2024-25 (31 Mar 2025): "Global Gross Advances 12,30,461 14,29,879" (Bank of Baroda Investor Presentation Q4 FY26, PDF page 14) https://nsearchives.nseindia.com/corporate/BANKBARODA_08052026164019_presentationfinal.pdf - Loan book, FY2025-26 (31 Mar 2026): "Global Gross Advances 12,30,461 14,29,879" (Bank of Baroda Investor Presentation Q4 FY26, PDF page 14) https://nsearchives.nseindia.com/corporate/BANKBARODA_08052026164019_presentationfinal.pdf - Loan book, 30 Sep 2026: "Global Gross Advances 12,78,847 15,12,448" (Bank of Baroda Investor Presentation Q2 FY27, PDF page 13) https://nsearchives.nseindia.com/corporate/BANKBARODA_30102026163504_SEPRESENTATION.pdf - Corporate and wholesale loans, FY2021-22 (31 Mar 2022): "Corporate 2,91,615 3,00,693" (Bank of Baroda Analyst Presentation Q4FY22 and FY22, PDF page 13) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs/bob-analyst-ppt-q4fy22-final-revised-01-02.pdf - Corporate and wholesale loans, FY2022-23 (31 Mar 2023): "Corporate 3,00,693 3,40,408 13.2" (Bank of Baroda Analyst Presentation Q4FY23 and FY23, PDF page 12) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs/BOBAnalystPresentationQ4FY23-q4.pdf - Corporate and wholesale loans, FY2023-24 (31 Mar 2024): "Corporate 3,40,408 3,79,747 11.6" (Bank of Baroda Analyst Presentation Q4FY24 and FY24, PDF page 12) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs2/2024/24-05/Presentation-to-Analysts.pdf - Corporate and wholesale loans, FY2024-25 (31 Mar 2025): "Corporate 3,79,747 4,12,274 8.6" (Bank of Baroda Analyst Presentation Q4FY25 and FY25, PDF page 13) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs2/2025/25-05/QFR%20Q4/Result/Presentation-to-Analysts - Corporate and wholesale loans, FY2025-26 (31 Mar 2026): "Corporate# 4,10,461 4,56,584 11.2" (Bank of Baroda Analyst Presentation Q4FY26 and FY26, PDF page 13) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs2/2026/26-05/Presentation-Analysts - Corporate and wholesale loans, 30 Sep 2026: "Corporate 4,00,682 4,25,736 6.3" (Bank of Baroda Analyst Presentation Q2FY27, PDF page 12) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs2/2026/26-10/Presentation-Analysts - Deposits, FY2021-22 (31 Mar 2022): "Total Deposits 9,66,996 10,45,939 8.2" (Bank of Baroda Analyst Presentation Q4FY22 and FY22, PDF page 12) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs/bob-analyst-ppt-q4fy22-final-revised-01-02.pdf - Deposits, FY2022-23 (31 Mar 2023): "Total Deposits 10,45,939 12,03,688 15.1" (Bank of Baroda Analyst Presentation Q4FY23 and FY23, PDF page 11) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs/BOBAnalystPresentationQ4FY23-q4.pdf - Deposits, FY2023-24 (31 Mar 2024): "Total Deposits 12,03,688 13,26,958 10.2" (Bank of Baroda Analyst Presentation Q4FY24 and FY24, PDF page 11) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs2/2024/24-05/Presentation-to-Analysts.pdf - Deposits, FY2024-25 (31 Mar 2025): "Total Deposits 13,35,136 14,72,035 10.3" (Bank of Baroda Analyst Presentation Q4FY25 and FY25, PDF page 12) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs2/2025/25-05/QFR%20Q4/Result/Presentation-to-Analysts - Deposits, FY2025-26 (31 Mar 2026): "Total Deposits 14,72,035 16,48,487 12.0" (Bank of Baroda Analyst Presentation Q4FY26 and FY26, PDF page 12) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs2/2026/26-05/Presentation-Analysts - Deposits, 30 Sep 2026: "Total Deposits 15,00,012 17,45,435 16.4" (Bank of Baroda Analyst Presentation Q2FY27, PDF page 11) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs2/2026/26-10/Presentation-Analysts - CASA ratio, FY2021-22 (31 Mar 2022): "Domestic CASA(%) 42.87% 44.24%" (Bank of Baroda Analyst Presentation Q4FY22 and FY22, PDF page 12) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs/bob-analyst-ppt-q4fy22-final-revised-01-02.pdf - CASA ratio, FY2022-23 (31 Mar 2023): "Domestic CASA(%) 44.24% 42.25%" (Bank of Baroda Analyst Presentation Q4FY23 and FY23, PDF page 11) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs/BOBAnalystPresentationQ4FY23-q4.pdf - CASA ratio, FY2023-24 (31 Mar 2024): "Domestic CASA(%) 42.25% 41.33%" (Bank of Baroda Analyst Presentation Q4FY24 and FY24, PDF page 11) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs2/2024/24-05/Presentation-to-Analysts.pdf - CASA ratio, FY2024-25 (31 Mar 2025): "Domestic CASA(%) 41.03% 39.97%" (Bank of Baroda Analyst Presentation Q4FY25 and FY25, PDF page 12) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs2/2025/25-05/QFR%20Q4/Result/Presentation-to-Analysts - CASA ratio, FY2025-26 (31 Mar 2026): "Domestic CASA(%) 39.97% 38.90%" (Bank of Baroda Analyst Presentation Q4FY26 and FY26, PDF page 12) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs2/2026/26-05/Presentation-Analysts - CASA ratio, 30 Sep 2026: "Domestic CASA(%) 38.42% 36.37%" (Bank of Baroda Analyst Presentation Q2FY27, PDF page 11) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs2/2026/26-10/Presentation-Analysts - Branches, FY2021-22 (31 Mar 2022): "Bank has a network of 8,168 domestic branches" (Bank of Baroda Annual Report 2021-22, PDF page 66) https://bankofbaroda.bank.in/-/media/project/bob/countrywebsites/india/pdfs/mig0622/ar2021-22-02-08-old2.pdf - Branches, FY2022-23 (31 Mar 2023): "Bank has a network of 8,200 domestic branches" (Bank of Baroda Annual Report 2022-23, PDF page 75) https://bankofbaroda.bank.in/-/media/project/bob/countrywebsites/india/shareholders-corner2/2023/23-06/bob-ar-2022-23-final-7-6-23-low-res-pdf-09-06.pdf - Branches, FY2023-24 (31 Mar 2024): "Bank has a network of 8,243 domestic branches" (Bank of Baroda Annual Report 2023-24, PDF page 74) https://bankofbaroda.bank.in/-/media/project/bob/countrywebsites/india/shareholders-corner2/2024/24-06/annual-report-14-12.pdf - Branches, FY2024-25 (31 Mar 2025): "Bank has a network of 8,424 domestic branches" (Bank of Baroda Annual Report 2024-25, PDF page 69) https://bankofbaroda.bank.in/-/media/project/bob/countrywebsites/india/shareholders-corner2/2025/25-05/bob-ar-2024-25-hr-30-15.pdf - Branches, FY2025-26 (31 Mar 2026): "Bank has a network of 8,648 domestic branches" (Bank of Baroda Annual Report 2025-26, PDF page 83) https://bankofbaroda.bank.in/-/media/project/bob/countrywebsites/india/shareholders-corner2/2026/26-06/annualreport-03-26.pdf - Mobile app users, FY2021-22 (31 Mar 2022): "Activated Users Daily Active Users PL through bob World 34 Million 19.6 Million" (Bank of Baroda Analyst Presentation Q4FY22 and FY22, PDF page 28) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs/bob-analyst-ppt-q4fy22-final-revised-01-02.pdf - Mobile app users, FY2022-23 (31 Mar 2023): "30 Million 53 Million Highest penetration" (Bank of Baroda Analyst Presentation Q4FY23 and FY23, PDF page 26) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs/BOBAnalystPresentationQ4FY23-q4.pdf - Mobile app users, FY2023-24 (31 Mar 2024): "327 121 10 306" (Bank of Baroda Analyst Presentation Q4FY25 and FY25, PDF page 35) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs2/2025/25-05/QFR%20Q4/Result/Presentation-to-Analysts - Mobile app users, FY2024-25 (31 Mar 2025): "327 121 10 306" (Bank of Baroda Analyst Presentation Q4FY25 and FY25, PDF page 35) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs2/2025/25-05/QFR%20Q4/Result/Presentation-to-Analysts - Mobile app users, FY2025-26 (31 Mar 2026): "1,495 1,329 352" (Bank of Baroda Analyst Presentation Q4FY26 and FY26, PDF page 37) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs2/2026/26-05/Presentation-Analysts - Mobile app users, 30 Sep 2026: "1,364 1,528 42.79 359" (Bank of Baroda Analyst Presentation Q2FY27, PDF page 35) https://bankofbaroda.bank.in/-/media/Project/BOB/CountryWebsites/India/pdfs2/2026/26-10/Presentation-Analysts CreditBrief is independent and not linked to any lender. Not investment advice.