Bank of Baroda — Important, 13-05-2025: General Updates

Bank of Baroda has announced a board meeting on the financial results for the quarter and half-year. The bank’s total business crossed ₹27 lakh crore, driven by 13.7% domestic advance growth led by retail (~20%), agriculture, and MSME segments (14.2% each). Deposits grew 10.3%, with CASA up 6.4%, supporting a credit-deposit ratio of 83.6%. PAT rose to ₹19,581 crore with steady ROA (1.16%) and ROE (~17%). Asset quality improved (gross NPA 2.26%, credit cost 0.47%). NIM held at 3.02% despite higher deposit costs. Focus on cautious unsecured loan growth (~21%), corporate loans (~10%), and adding ~200 branches in FY26. Dividend declared at ₹8.35 per share.