State-owned Bank of Baroda (BoB) has reported a 3% year-on-year (YoY) increase in net profit, reaching ₹5,048 crore for the fourth quarter of FY25, compared to ₹4,886 crore in the same period last year.
Financial Performance
- Total income rose to ₹35,852 crore, up from ₹33,775 crore in Q4FY24.
- Interest income increased to ₹30,642 crore, compared to ₹29,583 crore last year.
- Net interest income (NII) declined 6.6% YoY to ₹11,020 crore, down from ₹11,793 crore in Q4FY24.
- Gross Non-Performing Assets (GNPA) improved to 2.26%, compared to 2.92% a year ago.
- Net NPA fell to 0.58%, down from 0.68% in the previous fiscal.
Dividend Announcement
The bank’s board has recommended a dividend of ₹8.35 per equity share, subject to shareholder approval at the upcoming Annual General Meeting (AGM). The record date for dividend eligibility is June 6, 2025.
Stock Market Reaction
Despite the rise in profit, BoB shares fell nearly 8%, touching a low of ₹229.76 on the NSE, following the earnings announcement.
Industry Outlook
BoB’s performance reflects strong asset quality improvements, but the decline in net interest income signals margin pressures amid changing interest rate dynamics.
