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07-May-2025

Bank of Baroda

NII and NIM declines


'Bank of Baroda has reported 3% growth in net profit at Rs 5047.73 crore for the quarter ended March 2025 (Q4FY2025). The bank has posted 7% dip in net interest income (NII), while the core fee income of the bank also improved 14% in Q4FY2025. The Net Interest Margin (NIM) of the bank declined to 2.86% in Q4FY2025 compared to 3.27% in the corresponding quarter of previous year.

On business front, the bank as has posted 11% growth in business with strong 13% surge in loan book. The asset quality of the bank has improved in Q4FY2025. Bank has raised the credit to deposit ratio to 83.6% at end March 2025 from 81.7% at end March 2024. The domestic CASA ratio of the bank has improved on qoq basis to 40% at end March 2025 from 39.3% at end December 2024 and eased marginally from 41% at end March 2024.

Asset quality improves: The bank has improved asset quality in Q4FY2025.

The fresh slippages of loans stood at Rs 3159 crore in Q4FY2025 compared with 2915 crore in ...



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