When quering data within Toad (query editor or schema browser), data is displayed with '.' as decimal delimiter instead of ',' even when exported to excel.
It is possible that the column was created with the wrong data type. For example VARCHAR2 instead of NUMBER(p,s).
Make sure Regional and Language Options are correctly set.
Check also Toad Options have the correct settings: View | Toad Options | General | Numeric characters.
