Bank Of Baroda has informed the Exchange about Media meet Transcript held on 06.05.2025
BANKBARODA · price
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Bank of Baroda announced Q4 FY25 results with the bank crossing ₹27 trillion in total business. Global advances grew 12.8% (domestic 13.7%), with retail portfolio growing ~20% and agriculture/MSME at 14.2% each. NIM for FY25 stood at 3.02%, in line with guidance, while full-year PAT was ₹19,581 crore with ROA at 1.16% and ROE at 16.96%. Asset quality was the best in 13 years, with GNPA improving from 2.92% to 2.26% and NNPA from 0.68% to 0.58%, while credit cost fell to 0.47%. CRAR strengthened to 17.19% with CET1 at 13.78%, and a dividend of ₹8.35 per share was proposed. Management indicated NIM pressure in Q1-Q2 FY26 due to deposit repricing lag but expects improvement in Q3-Q4, targeting loan growth 1-2% above the prior guidance range of 11-13%, corporate book growth of 10%, and plans to add 200 more branches in FY26.
Strong results with record-low NPAs and healthy capital position are positive for shareholders. However, guidance of margin pressure in the first half of FY26 and deferred full-year NIM outlook may keep the stock rangebound in the near term. The proposed dividend and capital adequacy buffer provide downside support.