Bank of Baroda reported its financial results for the fourth quarter of FY25, posting a standalone net profit of ₹5,048 crore, up from ₹4,886 crore in Q4FY24. The rise in bottom line came despite a decline in core interest income, as the bank managed to control provisioning and improved its asset quality metrics significantly.
The bank’s net interest income (NII) – the difference between interest earned and interest expended – stood at ₹11,019.6 crore, down from ₹11,792 crore in the year-ago period. Total income for the quarter rose to ₹35,851.85 crore compared to ₹33,774.87 crore YoY.
Operating profit before provisions stood at ₹8,132 crore, marginally lower than ₹8,106 crore in Q4FY24. Provisions and contingencies were reported at ₹1,551 crore versus ₹1,302 crore YoY. Tax expenses increased to ₹1,523 crore, up from ₹1,303 crore.
One of the key highlights of the quarter was the improvement in asset quality. The bank’s Gross Non-Performing Assets (GNPA) ratio fell sharply to 2.26% from 2.92% last year, while the Net NPA also improved to 0.58% from 0.68%. The absolute GNPA also declined from ₹31,83,363 lakh to ₹27,83,488 lakh.
The bank’s annual net profit for FY25 stood at ₹19,581 crore, up from ₹17,788 crore in FY24, while NII for the year was ₹44,368 crore versus ₹45,231 crore.
The management noted that the bank’s focus remains on strengthening its balance sheet while continuing to grow its core business in a prudent manner.
Key Financial Highlights (Q4FY25 YoY):
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Net Profit: ₹5,048 crore vs ₹4,886 crore (↑3.3%)
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Net Interest Income (NII): ₹11,019.6 crore vs ₹11,792 crore (↓6.5%)
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Gross NPA: 2.26% vs 2.92%
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Net NPA: 0.58% vs 0.68%
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Operating Profit: ₹8,132 crore vs ₹8,106 crore
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Provisions and Contingencies: ₹1,551 crore vs ₹1,302 crore
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Total Income: ₹35,851.85 crore vs ₹33,774.87 crore
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