Bank Of Baroda Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Mar'19

Interest Earned

1,22,300.61

1,12,605.94

89,588.54

69,880.78

70,495.06

75,983.65

49,770.61

Income On Investments

25,948.76

24,865.68

22,156.00

17,617.21

17,077.12

18,097.36

12,786.72

Interest On Balances With Rbi Other Inter Bank Funds

1,756.37

1,721.08

1,437.41

1,015.17

1,450.92

1,768.73

1,735.20

Interest / Discount On Advances / Bills

93,050.88

85,098.23

64,073.49

49,278.53

50,052.12

54,115.77

34,388.97

Others

1,544.60

920.95

1,921.64

1,969.87

1,914.90

2,001.79

859.72

Other Income

15,788.36

14,495.37

10,025.84

11,483.95

12,933.97

10,317.33

6,294.49

Total Income

1,38,088.97

1,27,101.31

99,614.38

81,364.73

83,429.03

86,300.98

56,065.10

Interest Expended

75,782.96

67,884.41

48,232.53

37,259.44

41,686.04

48,532.37

31,290.30

Net Interest Income

46,517.65

44,721.53

41,356.01

32,621.34

28,809.02

27,451.28

18,480.31

Total Expenditure (Excl Depreciation)

29,871.38

28,251.68

24,518.31

21,716.44

20,543.66

18,872.39

11,287.98

Employee Cost

16,607.64

15,816.00

13,357.33

11,978.84

11,445.53

9,564.72

5,039.13

Other Operating Expenses

13,263.74

12,435.68

11,160.98

9,737.60

9,098.13

9,307.67

6,248.85

Operating Profit Before Provisions and Contingencies

32,434.63

30,965.22

26,863.54

22,388.85

21,199.33

18,896.22

13,486.82

Exceptional Items

0.00

Provisions and contingencies

5,980.25

6,075.61

7,136.90

13,002.41

15,643.33

20,698.33

12,788.67

Profit Before Tax

26,454.38

24,889.61

19,726.64

9,386.44

5,556.00

-1,802.11

698.15

Tax

6,873.23

7,100.83

5,617.02

2,114.16

4,727.05

-2,348.29

264.63

Profit After Tax

19,581.15

17,788.78

14,109.62

7,272.28

828.95

546.18

433.52

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

19,581.15

17,788.78

14,109.62

7,272.28

828.95

546.18

433.52

Face Value

2.0

Reserves

1,26,419.83

1,06,175.71

91,326.62

77,787.38

70,833.10

64,851.33

40,896.63

Earnings per share (EPS)

37.82

34.36

27.25

14.05

1.6

1.18

1.63

Diluted Earnings per share

37.86

34.4

27.28

14.06

1.78

1.36

1.41

Operating Profit Margin (Excl OI)

70.69%

69.52%

64.67%

50.32%

48.67%

47.92%

51.62%

Gross Profit Margin

21.63%

22.1%

22.02%

13.43%

7.88%

-2.37%

1.4%

PAT Margin

16.01%

15.8%

15.75%

10.41%

1.18%

0.72%

0.87%

Net Interest Margin

3.08%

3.18%

3.31%

3.03%

2.72%

2.73%

2.64%

Return on Assets

0.0%

CASA (%)

39.97%

41.33%

42.25%

41.46%

40.15%

35.29%

34.02%

CASA Amount

4,96,462.00

4,66,400.00

4,42,511.00

4,10,123.00

3,68,027.00

3,33,825.00

3,11,368.00

Capital Adequacy Ratio (Total)

17.19%

16.31%

16.24%

15.68%

14.99%

13.3%

13.42%

Capital Adequacy Ratio (Tier 1)

14.79%

14.07%

13.99%

13.18%

12.67%

10.71%

11.55%

Provision Coverage Ratio (%)

9.29%

93.3%

92.43%

88.71%

81.8%

81.33%

77.72%

Amount of Gross NPAs

27,834.88

31,833.63

36,763.68

54,059.39

66,670.99

69,381.43

48,232.77

Amount of Net NPAs

6,994.24

7,213.34

8,384.32

13,364.65

21,799.88

21,576.59

15,609.50

% of Net NPAs

0.58%

0.68%

0.89%

1.72%

3.09%

3.13%

3.33%

% of Gross NPAs

2.26%

2.92%

3.79%

6.61%

8.87%

9.4%

9.61%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

9845.0

11633.0

13193.0

9572.0

Number of Branches

0.0

8262.0

8214.0

9482.0

5553.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2025 is 8.61% vs 25.69% in Mar 2024

Net Profit

YoY Growth in year ended Mar 2025 is 10.08% vs 26.08% in Mar 2024

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2025 is 4.75% vs 15.27% in Mar 2024

% of Net NPAs

YoY Growth in year ended Mar 2025 is -0.10% vs -0.21% in Mar 2024

% of Gross NPAs

YoY Growth in year ended Mar 2025 is -0.66% vs -0.87% in Mar 2024

Compare Annual Results Of Bank Of Baroda With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

1,22,300.61

4,62,489.35

-3,40,188.74

-73.56%

Income On Investments

25,948.76

1,15,031.34

-89,082.58

-77.44%

Interest On Balances With Rbi Other Inter Bank Funds

1,756.37

4,416.01

-2,659.64

-60.23%

Interest / Discount On Advances / Bills

93,050.88

3,30,626.97

-2,37,576.09

-71.86%

Others

1,544.60

12,415.03

-10,870.43

-87.56%

Other Income

15,788.36

61,683.06

-45,894.70

-74.4%

Total Income

1,38,088.97

5,24,172.41

-3,86,083.44

-73.66%

Interest Expended

75,782.96

2,95,524.22

-2,19,741.26

-74.36%

Net Interest Income

46,517.65

1,66,965.13

-1,20,447.48

-72.14%

Total Expenditure (Excl Depreciation)

29,871.38

1,18,069.02

-88,197.64

-74.7%

Employee Cost

16,607.64

64,352.24

-47,744.60

-74.19%

Other Operating Expenses

13,263.74

53,716.78

-40,453.04

-75.31%

Operating Profit Before Provisions and Contingencies

32,434.63

1,10,579.17

-78,144.54

-70.67%

Exceptional Items

0.00

Provisions and contingencies

5,980.25

15,307.90

-9,327.65

-60.93%

Profit Before Tax

26,454.38

95,271.27

-68,816.89

-72.23%

Tax

6,873.23

24,370.64

-17,497.41

-71.8%

Profit After Tax

19,581.15

70,900.63

-51,319.48

-72.38%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

19,581.15

70,900.63

-51,319.48

-72.38%

Face Value

2.00

1.00

0.00

Reserves

1,26,419.83

4,12,914.04

-2,86,494.21

-69.38%

Earnings per share (EPS)

37.82

79.44

-41.62

-52.39%

Diluted Earnings per share

37.86

79.44

-41.58

-52.34%

Operating Profit Margin (Excl OI)

70.69%

71.16%

0.00

-0.47%

Gross Profit Margin

21.63%

20.60%

0.00

1.03%

PAT Margin

16.01%

15.33%

0.00

0.68%

Net Interest Margin

3.08%

3.09%

-0.01

-0.01%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

39.97%

0.00

0.00%

CASA Amount

4,96,462.00

20,65,161.00

-15,68,699.00

-75.96%

Capital Adequacy Ratio (Total)

17.19%

14.25%

2.94

2.94%

Capital Adequacy Ratio (Tier 1)

14.79%

12.11%

2.68

2.68%

Provision Coverage Ratio (%)

9.29%

74.42%

-65.13

-65.13%

Amount of Gross NPAs

27,834.88

76,880.20

-49,045.32

-63.79%

Amount of Net NPAs

6,994.24

19,666.92

-12,672.68

-64.44%

% of Net NPAs

0.58%

0.47%

0.11

0.11%

% of Gross NPAs

2.26%

1.82%

0.44

0.44%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

0.00

63,791.00

-63,791.00

-100.0%

Number of Branches

0.00

22,937.00

-22,937.00

-100.0%

Annual - Interest Earned

Interest Earned 122300.61 Cr

in Mar 2025

Figures in Cr

YoY Growth in year ended Mar 2025 is 8.61% vs 25.69% in Mar 2024

Annual - Net Profit

Net Profit 19,581.15 Cr

in Mar 2025

Figures in Cr

YoY Growth in year ended Mar 2025 is 10.08% vs 26.08% in Mar 2024

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 32,434.63 Cr

in Mar 2025

Figures in Cr

YoY Growth in year ended Mar 2025 is 4.75% vs 15.27% in Mar 2024

Annual - % of Net NPAs

% of Net NPAs 0.58%

in Mar 2025

Figures in %

YoY Growth in year ended Mar 2025 is -0.10% vs -0.21% in Mar 2024

Annual - % of Gross NPAs

% of Gross NPAs 2.26%

in Mar 2025

Figures in %

YoY Growth in year ended Mar 2025 is -0.66% vs -0.87% in Mar 2024