Bank of Baroda Q4 Results Highlights: Bank of Baroda share price falls 11% as NII falls, margins take a hit

Bank of Baroda Q4 Results LIVE: Witnessing a heavy fall following the announcement of Q4 results, Bank of Baroda share price ended the trade at ₹223.65 on the BSE, down 10.27%. Meanwhile, on the NSE, BoB stock settled 10.91% down at ₹221.95.

Bank of Baroda Q4 Results LIVE: CASA deposits see an uptick in YoY and QoQ terms during the March 2025 quarter, showed an investor presentation. BoB's domestic CASA deposist were ₹4,66,400 crore in the March quarter, higher by 6.4% YoY and 7.3% QoQ. CASA stands for current account (CA) savings account (SA).

Bank of Baroda Q4 Results LIVE: Total provisions rose 19% YoY to ₹1,552 crore during the March 2025 quarter. The figure stood at ₹1,302 crore in the same period last year.

• Globally, deposits rise 10.3% YoY in Q4
• Advances see an uptick of 12.8% YoY in Q4 

Bank of Baroda share price declined 10% post Q4 results. BoB shares were trading lower ahead of the earnings announcement, but the fall strengthened as NIMs hit a multi-quarter low. 

The stock hit the day's low of ₹224.35 on the BSE. As of 3.05 pm, BoB shares were trading at ₹224.85, down 9.97%.

Both net NPA and gross NPA ratios declined in Q4.

• GNPA: BoB's GNPA came in at 2.26% as against 2.92% YoY
• NNPA: BoB's NNPA came in at 0.58% as against 0.68% YoY

Bank of Baroda Q4 Results LIVE: NIM also declined in Q4 FY25 to 2.86% from 2.94% in the preceding quarter of FY25. The fall was sharper YoY as NIM stood at 3.27% in Q4 FY24.

Bank of Baroda Q4 Results LIVE: Bank of Baroda's board recommended a dividend of Rs. 8.35 per equity share for the FY2024-25 subject to declaration / approval at the ensuing 29th Annual General Meeting.

The bank has fixed a record/cut off date of 06th June 2025 for the purpose of dividend payment. Hence, shareholders having shares as on the cut date i.e 06th June 2025, shall be eligible for dividend payment, BoB said in a filing today.

Bank of Baroda Q4 Results LIVE: Bank of Baroda's net interest income declined 6.6% YoY to ₹11,020 crore in the March 2025 quarter from ₹11,793 crore in the corresponding quarter a year ago. The non-interest income, however, was higher by 24.3% to ₹5,210 crore.

Bank of Baroda Q4 Results LIVE: Bank of Baroda's standalone profit for the March 2025 quarter rises 3% YoY to ₹5,047.73 crore as against ₹4,886.49 crore in the same period last year. On a QoQ basis too, the PAT was higher by 4.3% from ₹4,837.34 crore in the December 2024 quarter.

Bank of Baroda Q4 Results LIVE: State-run Bank of Baroda (BoB) posted a 5.6% year-on-year increase in standalone net profit for the third quarter of FY25, reaching ₹4,837 crore, compared to ₹4,579 crore in the same quarter last year.

Net interest income (NII) for the quarter rose modestly by 2.8% to ₹11,417 crore, up from ₹11,101 crore in the corresponding period of the previous fiscal.

However, on a sequential basis, the bank's performance softened. Net profit fell 7.6% from ₹5,238 crore in the previous quarter, while NII declined by 1.76% from ₹11,622 crore reported in Q2 FY25.

Bank of Baroda Q4 Results LIVE: Kotak Institutional Equities expects Bank of Baroda to announce 15.6% QoQ and 16.4% YoY fall in Q4 PAT to ₹4085 crore, while NII is seen dipping 0.7% QoQ and 5.6% YoY to ₹15083 crore.

What KIE expects on key metrics:

• It expects operating profits to decline ~10% YoY, as there would be pressure on revenue growth (slower loan growth, recovery from written-off loans, and fee income).
• It expects the NIM to decline 10 bps QoQ to factor in the rate cut. Reported loan growth is at 13% YoY (ahead of the industry average), while deposits grew 10% YoY.
• It expects slippages at ~1.3% ( ₹38 bn), mostly driven by retail and SME. Credit costs are normalizing off a low base.
• Key discussions would be around loan growth, deposit-related challenges, and the NIM outlook in the near term.

Bank of Baroda Q4 Results LIVE: Bank of Baroda’s NII growth is seen at ~3% QoQ, NIMs are likely to decline marginally quarter-on-quarter (QoQ). PPOP growth is expected to remain healthy sequentially on the back of improved Opex ratios and better non-interest income, Axis Securities said.

Bank of Baroda Q4 Results LIVE: Bank of Baroda’s Net Interest Income (NII), the difference between interest earned and interest paid, during the March 2025 quarter is expected to fall 1% to ₹11,679 crore from ₹11,793 crore, YoY, while the bank’s net interest margin (NIM) is likely to contract.

Bank of Baroda Q4 Results LIVE: Bank of Baroda is expected to post a net profit of ₹4,628 crore in the quarter ended March 2025, registering a drop of 5.3% from ₹4,886 crore in the year-ago period, as per estimates by Axis Securities.

Bank of Baroda Q4 Results LIVE: Bank of Baroda Q4 results are estimated to be muted, with a fall in net profit and net interest income (NII). The PSU bank’s margins are estimated to compress and provisions are expected to rise in the fourth quarter of FY25. Analysts estimate BoB’s asset quality to improve slightly, and credit costs to remain under control. 

Bank of Baroda Q4 Results LIVE: Bank of Baroda share price declined over 2% on Tuesday ahead of Q4 results today. Bank of Baroda shares opened lower at ₹248.45 apiece as against its previous close of ₹249.25 apiece on the BSE. The PSU stock declined as much as 2.17% to hit an intraday low of ₹243.85 per share.

Bank of Baroda Q4 Results LIVE: Along with the Bank of Baroda Q4 results, the PSU bank’s board will also consider and recommend a dividend for FY 2024-25 today, if any.

Bank of Baroda Q4 Results LIVE: Bank of Baroda Q4 Results LIVE Updates: Bank of Baroda, the state-run lender, will announce its Q4 results today. The board of directors of Bank of Baroda are scheduled to meet on 6 May to consider and approve the financial results for the fourth quarter of FY25. Along with the Bank of Baroda Q4 results, the PSU bank’s board will also consider the financial results for full FY25.