Bank of Baroda (BANKBARODA) — Financial Results

Bank of Baroda reported record FY2024-25 profit of ₹19,581 crores, up 116% YoY, driven by 15% NII growth and investment revaluation. Gross NPA fell to 2.26%, net NPA to 0.58%, with credit cost at 0.47%. Domestic NIM held at 3.18%, though Q1 pressure expected. Full-year NIM guidance remains pending due to rate cuts, but full-year NIM is projected to match prior year levels. Asset quality remains stable with slippage trending down for 12 quarters. Dividend of ₹8.35 per share was recommended. The bank targets 11-13% overall credit growth, with retail at 20%, and maintains a 120% LCR target. International NIM is ~1.95%, with assets repricing faster than liabilities. MSME NPA improved to 7.5% from 17% in 2021. The bank emphasizes growth in retail lending (auto, housing) at 14-15% CAGR and plans to expand customer base via digital initiatives like Baroda Sun Technology. No sector-specific avoidance is indicated, though aviation exposure remains under review.

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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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