BOB (Bank of Baroda)'s Q4FY25 Quarterly Results

Result Summary

• BOB (Bank of Baroda) reported a 0.3% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 15.6%.
• Its expenses for the quarter were down by 5.1% QoQ and up 19.4% YoY.
• The net profit decreased 1.7% QoQ and decreased 2.9% YoY.
• The earnings per share (EPS) of BOB (Bank of Baroda) stood at 9.9 during Q4FY25.

Financial Statments for Q4FY25

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Bank of Baroda (BOB) is a prominent public sector bank in India, offering a wide array of financial services. As a major player in the banking industry, BOB provides products and services such as retail banking, corporate banking, treasury operations, and other financial solutions. The bank has established a significant presence both domestically and internationally, with a strong commitment to innovation and customer service. Recent developments in the banking sector, including regulatory changes and digital transformation trends, have influenced BOB's operations, although specific events or strategic shifts for the company during the reporting period are not provided.

Revenue

In the fourth quarter of the fiscal year 2025 (Q4FY25), Bank of Baroda reported a total income of ₹37,610.59 crores. This figure represents a slight decrease of 0.3% when compared to the previous quarter (Q3FY25), where the total income was ₹37,732.49 crores. However, on a year-over-year basis, there was a notable increase of 15.6% from Q4FY24, when the total income stood at ₹32,528.06 crores. This growth in total income over the year suggests an upward trend in the bank's revenue generation capabilities, although there was a marginal dip on a quarter-over-quarter basis.

Profitability

Bank of Baroda's profitability metrics for Q4FY25 reflect mixed results. The profit before tax was ₹7,032.86 crores, marking a slight increase of 1.4% from the previous quarter's ₹6,934.83 crores. However, compared to Q4FY24, there is a slight decrease of 0.9%, where the profit before tax was ₹7,095.89 crores. The profit after tax for Q4FY25 was ₹5,160.30 crores, which is a decrease of 1.7% from Q3FY25's ₹5,249.74 crores, and a 2.9% decline from Q4FY24's ₹5,315.10 crores. Earnings per share also followed a similar pattern, with Q4FY25 EPS at ₹9.90, down from Q3FY25's ₹10.10 and Q4FY24's ₹10.20.

Operating Metrics

The operating metrics for Bank of Baroda in Q4FY25 show a decrease in total expenses to ₹27,800.40 crores, which is a decrease of 5.1% from Q3FY25's ₹29,300.77 crores. Compared to Q4FY24, there is an increase of 19.4% from ₹23,273.81 crores. The provisions and contingencies have increased significantly by 85.5% from ₹1,496.89 crores in Q3FY25 to ₹2,777.33 crores in Q4FY25, and up 28.7% from ₹2,158.36 crores in Q4FY24. The tax expense for Q4FY25 was ₹2,016.90 crores, up by 10.9% from the previous quarter and slightly higher by 1.6% from the same quarter the previous year. These metrics indicate fluctuations in operational costs and provisions, which have impacted the financial outcomes of the bank for the quarter.