The shares of this bank plunged by 11 percent on Tuesday’s trading session after the bank announced its financial results. The stock saw a beat after it failed to meet the street expectations. In this article, we will look at the details of its financials.
With a market capitalization of Rs 1,16,123 crores, the shares of Bank of Baroda Ltd were trading at Rs 225 per share, down by 25 percent from its 52-week high of Rs 299.70 per share. In the last one year, the stock has delivered a negative return of 16.03 percent.
Financial Highlights
The bank reported a net interest income of Rs 45,659 crores in FY25, up by 2.1 percent from Rs 44,722 crores in FY24. However, it reported an interest income of Rs 11,020 crores in Q4 FY25, down by 6.6 percent from its Q4 FY24 income of Rs 11,793 crores.
Its net interest margin declined to 3.02 percent in FY25 from 3.18 percent in FY24. Similar downtrend is seen in quarterly performance as well, as it reported a net interest margin of 3.27 percent in Q4 FY24 and 2.86 percent in Q4 FY25.
It reported a net profit of Rs 19,581 crores in FY25, up by 10.1 percent from its FY24 collection of Rs 17,789 crores. Additionally, it reported a net profit of Rs 5,048 crores in Q4 FY25, up by 3.3 percent from its Q4 FY24 net profit of Rs 4,886 crores. It also declared a dividend of Rs 8.35 per equity share for the financial year 2025 and has set 6 June 2025 as the record date.
Its deposits surged by 10.3 percent as it recorded a total deposit of Rs 14,72,035 crores on March 31, 2025, as compared to 13,35,136 crores on the same month of the previous year. Its domestic CASA ratio declined by 106 bps YoY to 39.97 percent in March 2025 from 41.03 percent in the previous year.
On the other hand, its advances surged by 12.8 percent as it recorded a total advances of Rs 12,30,461 crores on March 31, 2025, as compared to 10,90,506 crores on the same month of the previous year.
Its GNPA ratio declined by 66 bps to 2.26 percent in FY25 from 2.92 percent a year ago. As of March 2025, it has a capital adequacy ratio of 17.19 percent, which is a change of 88 bps from the previous year.
Written by Satyajeet Mukherjee
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