Bank of Baroda, the second largest public sector financial institution, for the primary quarter ended June 30, 2025 reported 1.9% development in net revenue at ₹4,541 crore as in opposition to ₹4,458 crore within the yr in the past interval.
Net Interest Income for the quarter fell 1.4% to ₹11,435 crore from ₹11,600 crore a yr in the past.
Global Net Interest Margin (NIM) additionally dropped to 2.91% from 3.18% a yr in the past.
Total provisions (apart from tax) and contingencies grew 94.6% YoY to ₹1,967 crore from ₹1,011 crore.
During the quarter the financial institution made provisions for NPA unhealthy money owed and written offs to the tune of ₹1,686 crore as in contrast with ₹1,269 crore a yr in the past, up 33%.
During the quarter the financial institution’s Gross NPA lowered by 10.7% Year on Year (YoY) to ₹27,572 crore and Gross NPA Ratio improved to 2.28% from 2.88% within the yr in the past interval.
The Net NPA Ratio additionally lowered by 9 bps to 0.60%. Slippage ratio stood at 1.16% and credit score value stood at 0.55% for the quarter.
Domestic advances of the financial institution in the course of the quarter elevated to ₹9,91,363 crore, up 12.4% YoY. Global advances elevated to ₹12,07,056 crore, up 12.6% YoY.
Domestic deposits elevated by 8.1% YoY to ₹12,04,283 crore. Global deposits elevated by 9.1% YoY to ₹14,35,634 crore.
The financial institution’s natural retail advances grew by 17.5%, pushed by robust development throughout segments reminiscent of mortgage mortgage (18.6%), auto mortgage (17.9%), dwelling mortgage (16.5%), schooling mortgage (15.4%) and private mortgage (19.5%).
Share of retail, agri loans and MSME loans (RAM) in advances improved by 300 bps YoY to 62.7%. RAM portfolio grew by 18% within the quarter.
