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View Plans2-year trend showing revenue, gross profit, and net profit
Bank of Baroda's revenue grew 8.6% to 1,380.89B and net profit grew 10.1% to 195.81B YoY in FY2025, indicating moderate business momentum.
In FY 2025, Bank of Baroda's revenue grew by 8.6% year-over-year. Revenue = interest earned + other income. Gross Profit = revenue minus interest expenditure. Net Profit is the bottom line after all expenses, provisions, and taxes. Consistent growth across all three signals a healthy, expanding bank.
2-year trend showing profitability efficiency
Bank of Baroda's NIM of 3.0% in FY2025 indicates healthy interest spreads.
In FY 2025, Bank of Baroda reported a NIM of 3.02%. NIM = (Interest Earned - Interest Paid) / Average Earning Assets. For Indian banks, 2.5-4% is typically healthy. Higher NIM indicates better spread management between lending rates and deposit costs. Consistent or improving NIM suggests strong pricing power.
2-year trend showing asset quality
Bank of Baroda's net NPA ratio of 0.6% in FY2025 indicates strong asset quality with well-managed credit risk.
In FY 2025, Bank of Baroda reported a net NPA ratio of 0.58%. Net NPA Ratio = (Gross NPAs - Provisions) / Total Loans. Measures bad loans after provisions as a percentage of total loans. Below 2% is healthy for Indian banks; above 3-4% signals stress. A declining trend indicates improving asset quality and effective risk management.
2-year trend showing profitability efficiency
Bank of Baroda's ROA of 1.1% in FY2025 indicates efficient asset utilisation, with ROE at 13.3%.
In FY 2025, Bank of Baroda reported an ROA of 1.05% and an ROE of 13.3%. ROA = (Net Income / Total Assets) x 100; ROE = (Net Income / Equity) x 100. The gap between ROE and ROA reveals leverage impact. For Indian banks, ROA of 0.8-1.5% and ROE of 12-18% are healthy. ROA is the primary indicator as it cannot be inflated by leverage.
2-year trend showing liquidity and lending efficiency
Bank of Baroda's loan-to-deposit ratio of 82.7% in FY2025 indicates optimal balance between lending growth and liquidity.
In FY 2025, Bank of Baroda reported a loan-to-deposit ratio of 82.7%. LDR = (Total Loans / Total Deposits) x 100. Optimal range is 70-85% for Indian banks. Above 90% signals liquidity risk; below 65% suggests deposit underutilisation. A stable trend indicates balanced lending practices and adequate liquidity management.
2-year trend showing capital structure efficiency
Bank of Baroda's financial leverage of 12.6x in FY2025 indicates well-balanced capital structure within typical banking norms.
In FY 2025, Bank of Baroda reported a financial leverage ratio of 12.6x. Financial Leverage = Total Assets / Total Equity. Expressed as a multiple (e.g., 10x). For Indian banks, 10-15x is typical. Higher leverage amplifies returns but increases risk. Regulatory capital requirements set upper limits. Compare with peers for context.
2-year trend showing leverage and financial stability
Bank of Baroda's borrowings-to-networth ratio of 91.9% in FY2025 indicates moderate borrowing levels.
In FY 2025, Bank of Baroda reported a borrowings-to-networth ratio of 91.9%. Borrowings/Networth = (Total Borrowings / Shareholders' Equity) x 100. Lower is better — indicates less reliance on debt. Banks naturally carry higher leverage than other industries. Consistent increases may signal aggressive growth or capital constraints. Compare with peer banks for context.
Year-over-year change in diluted shares outstanding
Bank of Baroda's diluted shares remained virtually unchanged in FY2025.
Over 2 years (FY2024–FY2025), diluted shares remained essentially unchanged at 5.17B.
In FY 2025, Bank of Baroda's diluted shares remained flat by 0.0% year-over-year. Diluted Shares accounts for stock options, warrants, and convertibles. Positive YoY change means dilution (red); negative means buybacks (green). Consistent dilution above 5% annually is a red flag.
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Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: FY 2025