Bank of Baroda Share Price in Focus on May 7; Posted 10% YoY Profit Growth in FY25

Bank of Baroda (BoB), one of India’s leading public sector banks, announced its financial results for the quarter and year ended March 31, 2025. 

Post the announcement, on May 7, 2025, Bank of Baroda share price (NSE: BANKBARODA) opened at ₹223.91, the same as its previous close of ₹223.91. At 9:59 AM, the share price of Bank of Baroda was trading at ₹223.30, down by 0.27% on the NSE. 

Profitability Growth 

Bank of Baroda reported a net profit (standalone) of ₹19,581 crore for FY25, marking a 10.1% increase from ₹17,789 crore in FY24. This growth was supported by a modest rise in Net Interest Income (NII), which increased by 2.1% YoY to ₹45,659 crore, and a strong 14.8% YoY growth in Non-Interest Income, which stood at ₹16,647 crore. 

The Global Net Interest Margin (NIM) for the year was 3.02%, with the Domestic NIM slightly higher at 3.18%. Operating profit for the year also grew by 4.7% YoY to ₹32,435 crore, while the cost-to-income ratio was maintained at 47.94%, indicating efficient expense management. 

The consolidated entity’s net profit crossed the ₹20,000 crore milestone, reaching ₹20,716 crore for FY25. 

Improved Asset Quality 

BoB demonstrated significant improvement in its asset quality metrics. Gross Non-Performing Assets (GNPA) declined by 12.6% YoY to ₹27,835 crore, bringing the GNPA ratio down to 2.26%, from 2.92% in FY24. Similarly, the Net NPA ratio improved to 0.58%, compared to 0.68% in the previous year, reflecting strengthened credit discipline and recovery efforts. 

Capital Position 

The bank maintained a capital adequacy position with a CRAR of 17.19% as of March 2025. Tier-I capital stood at 14.79%, including CET-1 at 13.78% and AT1 at 1.01%, while Tier-II capital stood at 2.40%, ensuring sufficient buffers for growth. 

Consistent Business Growth 

BoB’s total business showed steady momentum. Domestic advances grew by 13.7% YoY to ₹10.21 lakh crore, while global advances rose 12.8% YoY to ₹12.3 lakh crore. On the deposit side, domestic deposits increased by 9.3% YoY to ₹12.42 lakh crore, while global deposits grew by 10.3% YoY to ₹14.72 lakh crore. 

The bank also saw robust growth in organic retail loans, which rose 19.4% YoY, led by auto loans (20.3%), mortgages (18.9%), home loans (17.3%), and education loans (15.9%). Agriculture and MSME portfolios both grew 14.2% YoY, while corporate advances rose by 8.6%. 

Also Read: SBI or HDFC Bank: Where’s the Bigger Payout for Investors? 

Conclusion 

Bank of Baroda has delivered a performance in FY25 with healthy profitability, better asset quality, and consistent loan and deposit growth.  

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.