Bank of Baroda Results Analysis

Q4FY25 – NII (Net Interest income) Rs. 11,020 Cr. 6.6% Negative Growth YoY, Operating Income Rs. 16,229 Cr. 1.5% Growth YoY, Operating Profit Rs. 8,132 Cr. 0.3% Growth YoY, Net Profit Rs. 5,048 Cr. 3.3% Growth YoY. FY25 – NII (Net Interest income) Rs. 45,659 Cr. 2.1% Growth YoY, Operating Income Rs. 62,306 Cr. 5.2% Growth YoY, Operating Profit Rs. 32,435 Cr. 4.7% Growth YoY, Net Profit Rs. 19.581 Cr. 10.1% Growth YoY. Gross NPA 2.26% declined by 66 bps YoY, Net NPA 0.58% declined by 10 bps YoY, Return on Assets 1.16% down by 1 bps YoY. BOD has recommended a dividend of ₹ 8.35 per equity share. Results are below expectations.