Investor Presentation
Awaiting price reaction for this filing.
Bank of Baroda reported its highest-ever annual net profit of ₹19,581 crore for FY25, up 10.1% YoY, with Q4FY25 net profit rising 3.3% to ₹5,048 crore. Global deposits grew 10.3% to ₹14.72 lakh crore and global advances rose 12.8% to ₹12.30 lakh crore, led by 19.4% growth in retail loans. Asset quality improved sharply with GNPA falling to 2.26% (from 2.92%) and NNPA to 0.58% (from 0.68%), while capital adequacy strengthened to 17.19%. However, net interest margin (NIM) declined to 3.02% in FY25 from 3.18% as cost of deposits rose faster than yield on advances. The board declared a dividend of ₹8.35 per share, and the bank outlined multi-year ESG targets including net-zero by 2057 and 50% renewable energy financing by 2029.
Positive on back of record profit and improving asset quality, but margin compression remains a concern. Shareholders benefit from higher dividend (₹8.35 vs ₹7.60) and rising book value (₹223). Stock could see mixed reaction given strong profit growth offset by NIM decline.