Public sector lender Bank of Baroda (BoB) has unveiled its financial results for Q4 of FY25, showcasing a 3.3% year-on-year increase in standalone net profit, amounting to ₹5,048 crore compared to ₹4,886 crore during the same period last year. The bank’s total income also saw an uptick, rising 6.15% YoY to reach ₹35,851.85 crore, up from ₹33,774.87 crore in Q4FY24.

Key Financial Highlights

• Operating Profit: Remained stable, showing a marginal increase of 0.3% YoY, standing at ₹8,132 crore, compared to ₹8,106 crore in the previous year.
• Net Interest Income: Experienced a decline of 6.6% YoY, falling to ₹11,020 crore from ₹11,793 crore.
• Net Interest Margin (NIM): Dropped by 41 basis points, settling at 2.86%, down from 3.27% in Q4FY24.

Performance Metrics

The bank’s Return on Assets (RoA) decreased to 1.16%, down from 1.25% YoY, while the Return on Equity (RoE) fell to 17.49% from 20.83% over the same period.

Non-Performing Assets

• Gross Non-Performing Assets (GNPA): Improved to 2.26%, a reduction of 66 basis points YoY from 2.92% in Q4FY24.
• Net Non-Performing Assets (NNPA): Declined to 0.58%, down 10 basis points from 0.68% in the same quarter last year.

Strengthened Capital Position

The bank’s Capital Adequacy Ratio—a critical measure of a bank’s financial health—rose by 88 basis points YoY to 17.19%, up from 16.31%.

Annual Overview

For the complete financial year, Bank of Baroda reported a 10.1% YoY increase in net profit, totaling ₹19,581 crore, compared to ₹17,789 crore in FY24. The net interest income for FY25 saw a modest rise of 2.1% YoY, reaching ₹45,659 crore, while the NIM witnessed a slight dip of 16 basis points to 3.02%.

Growth in Advances and Deposits

• Domestic Gross Advances: Grew 13.7% YoY to ₹10,21,112 crore.
• Organic Retail Advances: Increased by 19.4% YoY to ₹2,56,633 crore.
• International Advances: Rose 8.8% YoY to ₹2,09,349 crore.

Domestic deposits hit ₹12,42,169 crore, up 9.3% YoY, while international deposits surged by 15.8% YoY to ₹2,29,866 crore.

Dividend Announcement

In an exciting update, Bank of Baroda’s board has declared a dividend of ₹8.35 per share, with the record date set for June 6, 2025. As stated by the bank, “Shareholders holding shares as of the cut-off date of June 6, 2025, will be eligible for the dividend payment.”

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