INTEGRATED FILING — BANKING



General information about company

Scrip code 532134
NSE Symbol BANKBARODA
MSEI Symbol NOTLISTED
ISIN INE028A01039
Name of bank Bank Of Baroda
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 25-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 17-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 25-Jul-2025   12:00:00
End date and time of board meeting 25-Jul-2025   16:25:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
No such default


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 236360600000 236360600000
Income on investments 63207800000 63207800000
Interest on balances with reserve bank of India and other inter bank funds 6109700000 6109700000
Others 5236800000 5236800000
Total interest earned 310914900000 310914900000
2 Other income 46745300000 46745300000
3 Total income 357660200000 357660200000
Expenses
4 Interest expenses 196567100000 196567100000
5 Operating expenses
(i) Employees cost 43077200000 43077200000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating expenses 35651200000 35651200000
Total other operating Expenses 35651200000 35651200000
Total Operating Expenses 78728400000 78728400000
6 Total expenditure excluding provisions and contingencies 275295500000 275295500000
7 Operating profit before provision and contingencies 82364700000 82364700000
8 Provisions other than tax and contingencies 19669400000 19669400000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 62695300000 62695300000
11 Provision for Tax 17281700000 17281700000
12 Net profit (loss) from ordinary activities after tax 45413600000 45413600000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 45413600000 45413600000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 45413600000 45413600000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 10355300000 10355300000
Face value of equity share capital 2 2
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 63.97 63.97
(ii) Capital adequacy ratio
CET 1 ratio 14.12 14.12
Additional Tier 1 ratio 1.03 1.03
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 8.78 8.78
Diluted earnings per share before extraordinary items 8.78 8.78
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 8.78 8.78
Diluted earnings per share after extraordinary items 8.78 8.78
(iv) NPA Ratios
Amount of gross non-performing assets 275717300000 275717300000
Amount of net non-performing assets 71575500000 71575500000
% of gross NPAs 2.28 2.28
% of net NPAs 0.6 0.6
Return on assets 1.03 1.03
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 97052100000 97052100000
2 Wholesale Banking 118016200000 118016200000
3 Retail Digital 3500000 3500000
4 other Retail Banking 141653800000 141653800000
5 other Banking Operations 934600000 934600000
Total Segment Revenue 357660200000 357660200000
Less: Inter segment revenue
Income from operations 357660200000 357660200000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 35525400000 35525400000
2 Wholesale Banking 20996400000 20996400000
3 Retail Digital -36300000 -36300000
4 other Retail Banking 23814900000 23814900000
5 other Banking Operations 934600000 934600000
Total Profit before tax 81235000000 81235000000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income 18539700000
Profit before tax 62695300000 62695300000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 5176940700000 5176940700000
2 Wholesale Banking 6770365100000 6770365100000
3 Retail Digital 158900000 158900000
4 other Retail Banking 5263630500000 5263630500000
5 other Banking Operations 0 0
6 Treasury Operations 5176940700000 5176940700000
7 Wholesale Banking 6770365100000 6770365100000
8 Retail Digital 158900000 158900000
9 other Retail Banking 5263630500000 5263630500000
10 other Banking Operations 0 0
Total Segment Assets 17211095200000 17211095200000
Un-allocable Assets 342798200000 342798200000
Net Segment Assets 17553893400000 17553893400000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 4757879700000 4757879700000
2 Wholesale Banking 6222320300000 6222320300000
3 Retail Digital 146000000 146000000
4 other Retail Banking 4837552200000 4837552200000
5 other Banking Operations 0 0
6 Treasury Operations 4757879700000 4757879700000
7 Wholesale Banking 6222320300000 6222320300000
8 Retail Digital 146000000 146000000
9 other Retail Banking 4837552200000 4837552200000
10 other Banking Operations 0 0
Total Segment Liabilities 15817898200000 15817898200000
Un-allocable Liabilities 315049500000 315049500000
Net Segment Liabilities 16132947700000 16132947700000
Disclosure of notes on segments






Details of Impact of Audit Qualification
Whether results are audited or unaudited Unaudited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 M/s Khandelwal Jain & Co Yes 31-Aug-2025
2 M/s S Venkatram & Co LLP Yes 30-Apr-2027
3 M/S Batliboi & Purohit Yes 30-Apr-2028
4 M/s Shah Gupta & Co Yes 31-Dec-2027
5 M/s V Sankar Aiyar & Co Yes 30-Apr-2028