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 Consolidated
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


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 Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 244696300000 244696300000
Income on investments 72226400000 72226400000
Interest on balances with reserve bank of India and other inter bank funds 6593100000 6593100000
Others 5147300000 5147300000
Total interest earned 328663100000 328663100000
2 Other income 55378500000 55378500000
3 Total income 384041600000 384041600000
Expenses
4 Interest expenses 203065400000 203065400000
5 Operating expenses
(i) Employees cost 46718600000 46718600000
(ii) Details of other operating expenses
Description of other operating expenses
1 other operating expenses 48401300000 48401300000
Total other operating Expenses 48401300000 48401300000
Total Operating Expenses 95119900000 95119900000
6 Total expenditure excluding provisions and contingencies 298185300000 298185300000
7 Operating profit before provision and contingencies 85856300000 85856300000
8 Provisions other than tax and contingencies 34159700000 34159700000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 51696600000 51696600000
11 Provision for Tax 18177800000 18177800000
12 Net profit (loss) from ordinary activities after tax 33518800000 33518800000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 33518800000 33518800000
15 Share of profit (loss) of associates 1653000000 1653000000
16 Profit (loss) of minority interest 480200000 480200000
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 34691600000 34691600000
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 14.84 14.84
Additional Tier 1 ratio 1.02 1.02
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 6.71 6.71
Diluted earnings per share before extraordinary items 6.71 6.71
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 6.71 6.71
Diluted earnings per share after extraordinary items 6.71 6.71
(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 Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 101685100000 101685100000
2 Wholesale Banking 120553300000 120553300000
3 Retail Digital Banking 3500000 3500000
4 other Retail Banking 148842700000 148842700000
5 other Banking Operations 12957000000 12957000000
Total Segment Revenue 384041600000 384041600000
Less: Inter segment revenue 0
Income from operations 384041600000 384041600000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 36919600000 36919600000
2 Wholesale Banking 22096900000 22096900000
3 Retail Digital Banking -36300000 -36300000
4 other Retail Banking 24716100000 24716100000
5 other Banking Operations 1008800000 1008800000
Total Profit before tax 84705100000 84705100000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income 31835700000
Profit before tax 52869400000 52869400000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 5384711700000 5384711700000
2 Wholesale Banking 6865805700000 6865805700000
3 Retail Digital Banking 158900000 158900000
4 other Retail Banking 5410120000000 5410120000000
5 other Banking Operations 392393600000 392393600000
6 Treasury Operations 5384711700000 5384711700000
7 Wholesale Banking 6865805700000 6865805700000
8 Retail Digital Banking 158900000 158900000
9 other Retail Banking 5410120000000 5410120000000
10 other Banking Operations 392393600000 392393600000
Total Segment Assets 18053189900000 18053189900000
Un-allocable Assets 343523000000 343523000000
Net Segment Assets 18396712900000 18396712900000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 4934893300000 4934893300000
2 Wholesale Banking 6292262300000 6292262300000
3 Retail Digital Banking 145600000 145600000
4 other Retail Banking 4958179100000 4958179100000
5 other Banking Operations 359614500000 359614500000
6 Treasury Operations 4934893300000 4934893300000
7 Wholesale Banking 6292262300000 6292262300000
8 Retail Digital Banking 145600000 145600000
9 other Retail Banking 4958179100000 4958179100000
10 other Banking Operations 359614500000 359614500000
Total Segment Liabilities 16545094800000 16545094800000
Un-allocable Liabilities 314826600000 314826600000
Net Segment Liabilities 16859921400000 16859921400000
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