Bank of Baroda Financial Statements

Bank of Baroda (BANKBARODA) reported revenue of ₹1,380.89B in FY2025 with net income of ₹195.81B. Total assets stood at ₹18.62T and free cash flow was ₹285.59B.

Bank of Baroda Income Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Op. Income Operating Income		743.14B	698.81B	895.89B	1,126.06B	1,214.42B
Other Income		146.87B	114.84B	100.26B	144.95B	166.47B
Total Income		890.01B	813.65B	996.14B	1,271.01B	1,380.89B
Interest Exp. Interest Expenditure		432.01B	372.59B	482.33B	678.84B	757.83B
Op. Expense Operating Expense		231.17B	217.16B	245.18B	282.52B	298.71B
Provisions Provisions & Contingencies		212.29B	151.17B	127.54B	131.76B	128.53B
Net Income		15.48B	7.27B	141.10B	177.89B	195.81B
Dil. Shares Diluted Shares		4.66B	5.17B	5.17B	5.17B	5.17B
Diluted EPS		3.32	14.06	27.28	34.40	37.86

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows Bank of Baroda's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

Bank of Baroda Balance Sheet

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Cash		401.54B	727.75B	566.96B	567.20B	581.91B
Loans & adv. Loans & advances		7,232.42B	7,972.81B	9,636.52B	10.89T	12.37T
Investments		2,818.59B	3,475.87B	3,974.87B	4,071.36B	4,273.80B
Total assets		12.03T	13.40T	15.26T	16.55T	18.62T
Borrowings		712.63B	1,095.26B	1,079.10B	1,019.59B	1,358.13B
Deposits		9,959.10B	10.76T	12.35T	13.60T	14.97T
Total liabilities		11.20T	12.48T	14.20T	15.34T	17.14T
Total equity		828.26B	926.26B	1,060.49B	1,207.30B	1,477.50B
Total liab. & eq. Total liabilities & equity		12.03T	13.40T	15.26T	16.55T	18.62T

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures Bank of Baroda's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

Bank of Baroda Cash Flow Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Net Income		64.67B	101.58B	207.82B	261.57B	278.76B
Operating CF Cash flow Operating Activities		-8.87B	62.10B	-212.71B	-62.74B	348.92B
Capex Investments in PPE		-27.86B	-31.63B	-9.83B	-13.55B	-63.32B
Investing CF Cash flow Investing Activities		-4.71B	-36.45B	-10.96B	-12.85B	-64.94B
Dividend Paid		0	0	-14.66B	-28.44B	-39.30B
Financing CF Cash flow Financing Activities		-9.86B	-9.98B	-54.88B	54.76B	37.90B
Cash (start) Cash at beginning of period		1,310.05B	1,286.61B	1,302.29B	1,023.73B	1,002.90B
Cash (end) Cash at end of period		1,286.61B	1,302.29B	1,023.73B	1,002.90B	1,324.78B
FCF Free Cash Flow		-36.73B	30.47B	-222.54B	-76.29B	285.59B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how Bank of Baroda's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2025