Bank of Baroda(BoB) Q4 PAT rises 3% YoY


On Tuesday, Bank of Baroda (BoB) said that its standalone net profit for Q4FY25 increased 3.3% year over year (YoY) to Rs 5,048 crore from Rs 4,886 crore during the same period the previous year. For FY2024–2025, the state-run banking has declared a dividend of Rs 8.35 per equity share.


 June 6, 2025, has been set by the BoB as the record date for dividend payments. During the January–March quarter, BoB's interest income increased by 3.6% to Rs 30,642 crore from Rs 29,583.40 crore during the same period last year. 


In the quarter under review, the second-largest PSU bank by market capitalization spent Rs 19,622.39 crore on interest, a 10% increase from Rs 17,790.57 crore in Q4FY24.


The state-run lender reported a 6.6% decline in net interest income (NII) for the March quarter, at Rs 11,020 crore compared to Rs 11,793 crore in the same period last year.


The operating profit saw a marginal uptick of 0.3%, standing at Rs 8,132 crore in Q4FY25, compared to Rs 8,106 crore in the year-ago period.


Bank of Baroda reported a 66-bps decline in its gross non-performing assets (GNPA) to 2.26% in Q4FY25, down from 2.92% in the same quarter last year. Net NPA (NNPA) stood at 0.58% in Q4FY25, down 10 bps from 0.68% in Q4FY24.


Total deposits in the reported quarter stood at Rs 14,72,035 crore, registering a growth of 10.3% over Rs 13,35,136 crore in the corresponding quarter of the previous financial year. Of this, domestic deposits grew 9.3% to Rs 12,42,169 crore, while international deposits rose 16% to Rs 2,29,866 crore at the end of the March quarter.


Segment-wise, in the retail segment, home loans grew 17.3% YoY to Rs 1,31,123 crore, while auto loans rose 20.3% to Rs 46,549 crore.

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