Bank of Baroda (BANKBARODA) — Financial Results

Bank of Baroda reported a 5.6% YoY rise in PAT to ₹4,837 crore for Q3 FY2024-25, driven by 9.3% growth in operating profit to ₹7,664 crore, supported by 11.8% YoY growth in total business volume to ₹25.65 lakh crores and 11.8% growth in both deposits and advances. The bank maintained a 3.05-3.10% NIM guidance despite margin pressure from rising deposit costs, with gross NPA declining to 2.43% and slippage ratio at 0.90% within guidance. ROA stood at 1.15% and CRAR at 15.96%, reflecting strong capital adequacy. Management highlighted sustainable retail growth, with RAM book expanding to 59.9% and retail-to-corporate mix targeting 65:35, alongside robust fee income growth of 12.6% YoY and controlled operating expenses.

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About Bank of Baroda (BANKBARODA)

Financial Services · Banks · Listed on NSE

Market Cap: ₹1,35,179.41 Cr P/E: 6.9

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