Bank Of Baroda · NSE:BANKBARODA
Bank Of Baroda — Q4 FY25 Earnings Presentation
45 slides from Bank Of Baroda's earnings presentation, May 6, 2025
Slide 1: Performance Analysis Q4FY25 & FY25
Performance Analysis Q4FY25 & FY25
Slide 2: Key Highlights
G dep 3iim aster Bank of Baroda Key Highlights
Slide 3: Key Highlights
Key Highlights Business Details (INR crore) Key Performance Drivers Mar 31, 2024 Mar 31, 2025 YOY (%) Net Interest Margin (%) Net Profit (INR crore) Highest ever Net Profit Domestic Deposits 11,36,692 12,42,169 9.3 International Deposits 1,98,444 2,29,866 15.8 Global Deposits 13,35,136 14,72,035 10.
Slide 4: Value to our Shareholders
Value to our Shareholders Earnings per Share (INR) 37.88 Book Value per Share (INR) 34.40 223.0 27.28 181.5 148.8 106.7 119.0 14.06 1.78 FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 Dividend per Share (INR) Shareholding Pattern 8.35 Others, 10.36% 7.60 5.50 MF's, 9.17% 2.85 GoI, 63.97% FII/FPI'
Slide 5: Financial Performance
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Slide 6: Key Ratios
Key Ratios Cost of Deposits Yield on Advances Net Interest Margin Domestic Domestic Domestic 5.11% 5.20% 5.33% 5.21% 9.25% 9.01% 3.45% 4.97% 8.87% 8.76% 8.88% 3.32% 3.11% 3.02% 3.18% Q4FY24 Q3FY25 Q4FY25 FY24 FY25 Q4FY24 Q3FY25 Q4FY25 FY24 FY25 Q4FY24 Q3FY25 Q4FY25 FY24 FY25 International Internatio
Slide 7: Operating Performance
Operating Performance Particulars Q4 FY24 Q3 FY25 Q4 FY25 YOY (%) FY24 FY25 YOY (%) (INR crore) Interest on advances 22,760 23,811 23,522 3.3 85,098 93,051 9.3 Interest on investments 6,307 6,553 6,421 1.8 24,866 25,949 4.4 Other Interest income 516 543 699 35.4 2,642 2,442 -7.6 Total Interest Incom
Slide 8: Non-Interest Income
Non-Interest Income Particulars Q4 FY24 Q3 FY25 Q4 FY25 YOY (%) FY24 FY25 YOY (%) (INR crore) Commission, Exchange, Brokerage 1,030 742 1,139 10.6 3,562 3,366 -5.5 Incidental Charges 360 356 365 1.4 1,587 1,406 -11.4 Forex Income 61 50 52 -14.8 239 217 -9.2 Other Miscellaneous Income 464 584 620 33.
Slide 9: Operating Expenses
Operating Expenses Particulars Q4 FY24 Q3 FY25 Q4 FY25 YOY (%) FY24 FY25 YOY (%) (INR crore) Employee Cost 4,547 4,207 4,347 -4.4 15,816 16,608 5.0 of which: Salaries 2,875 3,060 3,406 18.5 11,747 12,718 8.3 Provisions for employees 1,672 1,147 941 -43.7 4,069 3,890 -4.4 Other Operating Expenses 3,3
Slide 10: Profit Position
Profit Position Particulars Q4 FY24 Q3 FY25 Q4 FY25 YOY (%) FY24 FY25 YOY (%) (INR crore) Operating Profit 8,106 7,664 8,132 0.3 30,965 32,435 4.7 Total Provisions 1,302 1,082 1,552 19.2 6,076 5,980 -1.6 of which: Provision for NPA & Bad Debts 1,485 871 1,297 -12.7 6,471 5,170 -20.1 Written-off Prov
Slide 11: Business Performance
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Slide 12: Deposits
Deposits Particulars % share in Domestic Deposits in Mar’25 Mar’24 Mar’25 YOY (%) Dec’24 Mar’25 QOQ (%) (INR crore) Domestic CASA Deposits 4,66,400 4,96,462 6.4 4,62,618 4,96,462 7.3 Savings Deposits Domestic Saving 33% 3,90,014 4,08,684 4.8 3,89,061 4,08,684 5.0 Deposits Domestic Current 76,386 87,
Slide 13: Advances
Advances Particulars % share in Gross Domestic Credit in Mar’25 Mar’24 Mar’25 YOY (%) Dec’24 Mar’25 QOQ (%) (INR crore) Agriculture Retail* 2,14,942 2,56,633 19.4 2,43,360 2,56,633 5.5 15.5% Home Loans* 1,11,791 1,31,123 17.3 1,23,996 1,31,123 5.7 Auto Loans* 38,697 46,549 20.3 44,890 46,549 3.7 Cor
Slide 14: Industry-wise Outstanding
Industry-wise Outstanding Mar’24 Mar’25 Rating Profile Particulars (INR crore) Outstanding Share (%) Outstanding Share (%) Infrastructure of which 1,12,455 12.5 1,16,468 11.4 1. Power 57,799 6.4 61,314 6.0 2. Telecom 8,429 0.9 7,528 0.7 3. Roads & Ports 33,950 3.8 35,783 3.5 4. Other Infrastructure
Slide 15: Segment wise breakup & Ratings of NBFC Standard Outstanding
Segment wise breakup & Ratings of NBFC Standard Outstanding NBFC Portfolio by Ownership Rating Profile of NBFCs Standard Outstanding* Particulars Dec’24 Mar’25 Outstanding Outstanding 15% 14% % Share % Share (INR crore) (INR crore) Pvt others AAA 1,07,666 69.75 1,12,265 69.61 Backed by Large 40% 42%
Slide 16: Treasury Operations
Treasury Operations Particulars (INR crore) Mar’24 Dec’24 Mar’25 • Domestic investment book comprises of 72.17% in HTM; 23.59% in AFS; 2.29% in FVTPL; 0.65% in FVTPL-HFT and 1.30% in Domestic Investments 3,56,820 3,74,785 3,70,478 Subsidiaries / Joint Ventures and RRB’S of which SLR 3,00,810 3,11,85
Slide 17: Financial Inclusion
Financial Inclusion Total Financial Inclusion Accounts Balance /Avg Balance in FI accounts Zero Balance Accounts (%) (in Lakh) 42,851 38,500 39,248 4.98% 4.84% 723 4.71% 718 700 Mar'24 Dec'24 Mar'25 5,503 5,466 5,927 Market Share* of BOB in PMJDY Accounts (%) 15.20% 15.06% 15.01% Mar'24 Dec'24 Mar'2
Slide 18: Asset Quality
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Slide 19: Strong Asset Quality
Strong Asset Quality Gross NPA & Net NPA Slippage Ratio & Credit Cost 4.00% 1.20% 1.12% 1.05% 1.07% 3.50% 1.00% 1.00% 2.92% 0.90% 2.88% 3.00% 2.50% 2.43% 0.80% 2.26% 2.50% 0.65% 2.00% 0.57% 0.60% 0.47% 0.44% 1.50% 0.40% 0.68% 0.69% 0.30% 1.00% 0.60% 0.59% 0.20% 0.58% 0.50% 0.00% 0.00% Q4FY24 Q1FY25
Slide 20: Movement of NPAs
Movement of NPAs Particulars Q4 FY24 Q3 FY25 Q4 FY25 FY24 FY25 (INR crore) A. Opening Balance 32,318 28,551 28,471 36,764 31,834 B. Additions 3,200 2,915 3,159 10,397 9,310 Out of which, Fresh Slippages 2,855 2,503 2,873 9,241 8,217 C. Reductions 3,683 2,995 3,795 15,327 13,309 Recovery 1,130 1,016
Slide 21: Sectoral & Industry wise Contribution of NPAs
Sectoral & Industry wise Contribution of NPAs Sector-wise NPA Industry-wise NPA Particulars (INR crore) Q4 FY24 Q3 FY25 Q4 FY25 Particulars (INR crore) Q4 FY24 Q3 FY25 Q4 FY25 Infrastructure of which 328 110 57 Corporate 2,371 661 228 1. Power 3 3 3 MSME 10,956 10,981 11,242 2. Telecom 2 2 2 3. Road
Slide 22: Asset Quality: Sectoral Fresh Slippages
Asset Quality : Sectoral Fresh Slippages CRILC o/s SMA1 and SMA 2 (%) Fresh Slippages Particulars (INR crore) Q4 FY24 Q3 FY25 Q4 FY25 FY24 FY25 Corporate 176 34 0 2,459 137 0.49 MSME 1,138 963 1,473 2,650 3,579 0.33 Retail 600 751 723 1,411 2,168 0.15 Agriculture 917 517 668 2,033 2,080 Others 10 12
Slide 23: Exposure to NCLT Accounts
Exposure to NCLT Accounts 43,681 32,725 100% 100% 100% 99% 99% 4,158 4,407 2,390 RBI List 1 RBI List 2 ACCOUNT ACCOUNT TOTAL RBI 1 List RBI 2 List Accounts Accounts Total FILED BY BOB FILED BY filed by BOB filed by OTHERS at NCLT others at Exposure in INR Crore Provision Coverage (%) NCLT Provision
Slide 24: Capital Adequacy
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Slide 25: Capital Adequacy
Capital Adequacy 16.82% 17.19% 17.60% 16.31% 16.26% 15.96% 2.33% Tier II 2.17% 2.40% 2.24% 2.08% 2.52% 0.99% 1.57% 1.01% AT-1 1.53% 1.51% 1.06% CET-1 13.78% 14.28% 12.54% 13.08% 12.67% 12.38% Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 Consol Mar'25 Particulars (INR crore) Mar’24 Dec’24 Mar’25 Mar’25 (Consol
Slide 26: Sustainability Initiatives
Sustainability Initiatives 26
Slide 27: Sustainability Initiatives 1/5
Sustainability Initiatives….1/5 Sustainable & Social Loans Efficiency & Green Initiatives Bank has executed an MOU with KFW, a multilateral -197- branches (1.35 MW in total) in rural/semi urban areas finance agency, under the programme known as Bank has set up rain water harvesting system in -18- "S
Slide 28: Sustainability Initiatives 2/5
Sustainability Initiatives….2/5 Implemented Green Finance Framework 09 Eligible Sectors for Green Deposits in March 2024 for: ▪ Raising of the Green Deposits and Enabling 1. Renewable Energy Flow of Credit for the Green Activities. 2. Energy Efficiency ▪ Defining of criteria(s) for Channelization of
Slide 29: Sustainability Initiatives 3/5
Sustainability Initiatives….3/5 Initiatives for Climate Risk Rationale of the Initiatives Management & ESG Governance ▪ The Bank proudly upholds a Board-approved ESG Policy, ▪ Policy for integrating sustainability, driving sustainable growth and addressing ESG landscape and responsible practices. en
Slide 30: Sustainability Initiatives 4/5
Sustainability Initiatives….4/5 Initiatives for Climate Risk Rationale of the Initiatives Management Risk Management ▪ To identify the vulnerability of the ▪ The Bank has carried out Bank’s, select Loan Portfolios to Physical and Transition Risk Physical Climate Risk as well as analysis of its Selec
Slide 31: Sustainability Initiatives 5/5
Sustainability Initiatives….5/5 Baroda Anubhuti Program Raising Mental Health Awareness through Roadshows Branches undertook Community Service / Social Service activities to mark the Republic Day In order to raise awareness of Mental Health • Blood Donation Camp: More than 22,700 Units issues, the B
Slide 32: Digital Banking
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Slide 33: Accelerating Digital Transformation
Accelerating Digital Transformation Innovate - Integrate - Inspire bob World bob इ Pay P-CBDC 33
Slide 34: Leveraging Digital Infrastructure
Leveraging Digital Infrastructure 16,000+ 9316 4974 1671 9 18 48 Digital Touch Points Self Service Cash Digital Phygital Digital Service ATMs Passbook Recyclers Banking Units Branches Outlets (DSO) Kiosks (SSPB) (CR) (DBU) 95% 98% 92% 91% Transactions done New SHG Acquisition New SA acquisition New
Slide 35: Accelerating Digital Growth 1/2
Accelerating Digital Growth….1/2 Channels & Products 327 121 10 306 7% 108 11% FY 23-24 FY 24-25 FY23-24 FY24-25 FY 23-24 FY 24-25 bob इ Pay Users (In Lacs) bob World Users bob World Internet Users Not Applicable for FY23-24 (In Lacs) (In Lacs) 36 New features launched in bob World in FY’25 24 New f
Slide 36: Accelerating Digital Growth 2/2
Accelerating Digital Growth….2/2 Merchant Ecosystem Turnover Turnover 7,254 12,828 in Rs Crore 1,537 2,350 in Rs Crore Point of Sale UPI – QR 25.5 0.53 38% 0.38 39% 18.49 FY23-24 FY24-25 FY23-24 FY24-25 Point of Sale UPI – QR Number of Terminals (In Lacs) Number of QR Issued (In Lacs) Turnover 1,874
Slide 37: Accelerating Digital Lending
Accelerating Digital Lending 8 INR 6106 Cr Digital Retail Retail Digital Products Sanctions FY25 Retail Products Personal Loan Auto Loan Education Loan Home Loan Pension Loan Loan Co-Lending Two-Wheeler against FD Loan 5 INR 477 Cr Digital MSME MSME Digital Products Sanctions FY25 MSME Products MSME
Slide 38: Consolidated Financials
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Slide 39: Subsidiaries and JVs Performance
Subsidiaries and JVs Performance Baroda BNP Paribas Asset IndiaFirst Life Insurance Co. Ltd. BOBCARD Limited Management India Pvt. Ltd. (Subsidiary Holding – 64.98%) (Subsidiary Holding – 100%) (Subsidiary Holding – 50.1%) ❑ AUM was recorded at Rs 30,967.89 crs as on ❑ Number of active Cards stood a
Slide 40: Subsidiaries and JVs Performance
Subsidiaries and JVs Performance BOB Capital Markets Limited Baroda Global Shared Services Limited (Subsidiary Holding – 100%) (Subsidiary Holding – 100%) ❑ Gross Revenue increased to Rs 49.03 crs for FY24-25 over Rs 44.01 crs ❑ Revenue from operations is Rs 283.90 crs for FY24-25 against Rs as for
Slide 41: Subsidiaries and JVs Performance
Subsidiaries and JVs Performance India Infradebt Limited Nainital Bank Limited (Joint Venture of 40.99%) (Subsidiary Holding – 98.57%) ❑ India Infra debt limited has focused on disbursement in renewable ❑ Total Business increased to Rs 13,225.68 crs in FY24-25 from Rs energy and other sectors during
Slide 42: Overseas Subsidiaries Performance
Overseas Subsidiaries Performance Bank of Baroda (Uganda) Ltd. Bank of Baroda (Kenya) Ltd. Bank of Baroda (Botswana) Ltd. (Subsidiary Holding – 80%) (Subsidiary Holding – 86.70%) (Subsidiary Holding – 100%) ❑ Total Deposits stands at INR 5,115.26 crore as ❑ Total Deposits stands at INR 10,850.15 cro
Slide 43: Balance Sheet and PL– Consolidated
Balance Sheet and PL– Consolidated Particulars Particulars Mar ’24 Dec ’24 Mar’25 FY24 FY25 YOY (%) (INR crore) (INR crore) CAPITAL & LIABILITIES Net Interest Income 48,480 49,680 2.5 Capital 1,036 1,036 1,036 Share Application Money Pending Non-Interest Income 23,399 24,939 6.6 0 0 0 Allotment Tota
Slide 44: Disclaimer
Disclaimer The information contained in this presentation is provided by Bank of Baroda (the “Bank”) to you solely for your information. This document is highly confidential and being given solely for your use and may not be retained by you and neither this presentation nor any part thereof may be (
Slide 45: Thank you