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-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 06-May-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 30-Apr-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Consolidated
Whether results are audited or unaudited Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 06-May-2025   11:00:00
End date and time of board meeting 06-May-2025   14:15:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 243572500000 961065400000
Income on investments 72868000000 292841900000
Interest on balances with reserve bank of India and other inter bank funds 6187900000 19818900000
Others 821600000 5721500000
Total interest earned 323450000000 1279447700000
2 Other income 75507300000 249393700000
3 Total income 398957300000 1528841400000
Expenses
4 Interest expenses 202732100000 782649200000
5 Operating expenses
(i) Employees cost 47334100000 179104500000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating expenses 54102200000 188103000000
Total other operating Expenses 54102200000 188103000000
Total Operating Expenses 101436300000 367207500000
6 Total expenditure excluding provisions and contingencies 304168400000 1149856700000
7 Operating profit before provision and contingencies 94788900000 378984700000
8 Provisions other than tax and contingencies 25680300000 102795000000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 69108600000 276189700000
11 Provision for Tax 16038600000 71596200000
12 Net profit (loss) from ordinary activities after tax 53070000000 204593500000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 53070000000 204593500000
15 Share of profit (loss) of associates 1395200000 4059100000
16 Profit (loss) of minority interest 268200000 1489300000
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 54197000000 207163300000
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) 1359539500000
20 Analytical ratios
(i) Percentage of share held by government of India 63.97 63.97
(ii) Capital adequacy ratio
CET 1 ratio 14.28 14.28
Additional Tier 1 ratio 0.99 0.99
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 10.48 40.06
Diluted earnings per share before extraordinary items 10.48 40.06
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 10.48 40.06
Diluted earnings per share after extraordinary items 10.48 40.06
(iv) NPA Ratios
Amount of gross non-performing assets 0 0
Amount of net non-performing assets 0 0
% of gross NPAs 0 0
% of net NPAs 0 0
Return on assets 0 0
21 Disclosure of notes on financial results by banks


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Consolidated
1 Capital and liabilities
Capital 10355300000
Reserves and surplus 1454671800000
Deposits 14966879600000
Borrowings 1358127800000
Other liabilities and provisions 827706300000
Total Capital Liabilities 18617740800000
2 ASSETS
Cash and Balances with Reserve Bank of India 581908400000
Balances with Banks and money at call and short notice 742868900000
Investments 4273796800000
Advances 12372404000000
Fixed Assets 126337400000
Other Assets 520425300000
Total Assets 18617740800000
Disclosure of notes on assets and liabilities


Text Block
Textual Information(1)


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-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 (a) Treasury Operations 91217700000 340042700000
2 (b) Wholesale Banking 127735600000 522918500000
3 (c) Retail -Digital banking 3000000 11400000
4 Other Retail Banking 143818400000 557430500000
5 (d) Other Banking Operations 36182600000 108438300000
Total Segment Revenue 398957300000 1528841400000
Less: Inter segment revenue
Income from operations 398957300000 1528841400000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 (a) Treasury Operations 25656300000 76385200000
2 (b) Wholesale Banking 29827200000 167918600000
3 (c) Retail -Digital banking -42800000 -153100000
4 Other Retail Banking 19885300000 82474900000
5 (d) Other Banking Operations 13497400000 17889900000
Total Profit before tax 88823400000 344515500000
i. Finance cost 0 0
ii. Other Unallocable Expenditure net off Unallocable income 18587800000 65756000000
Profit before tax 70235600000 278759500000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 (a) Treasury Operations 5412803600000 5412803600000
2 (b) Wholesale Banking 7196883900000 7196883900000
3 (c) Retail -Digital banking 170300000 170300000
4 Other Retail Banking 5348099900000 5348099900000
5 (d) Other Banking Operations 360064900000 360064900000
Total Segment Assets 18318022600000 18318022600000
Un-allocable Assets 299718200000 299718200000
Net Segment Assets 18617740800000 18617740800000
4 Segment Liabilities
Segment Liabilities
1 (a) Treasury Operations 4986870900000 4986870900000
2 (b) Wholesale Banking 6630562200000 6630562200000
3 (c) Retail -Digital banking 156900000 156900000
4 Other Retail Banking 4927258700000 4927258700000
5 (d) Other Banking Operations 331731400000 331731400000
Total Segment Liabilities 16876580100000 16876580100000
Un-allocable Liabilities 276133600000 276133600000
Net Segment Liabilities 16876580100000 16876580100000
Disclosure of notes on segments




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Consolidated
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 31258500000
Adjustments for depreciation and amortisation expense 14998800000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 54711400000
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 0
Other adjustments for which cash effects are investing or financing cash flow -396500000
Other adjustments to reconcile profit (loss) 47754300000
Other adjustments for non-cash items 2569800000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 150896300000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables -1734232100000
Adjustments for decrease (increase) in other current assets 6477900000
Adjustments for increase (decrease) in trade payables 236728200000
Adjustments for increase (decrease) in other current liabilities 1448861100000
Adjustments for provisions 60279400000
Total adjustments for working capital 18114500000
Total adjustments for reconcile profit (loss) 169010800000
Net cash flows from (used in) operations 445200500000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 96284700000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items 348915800000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 348915800000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 5812200000
Proceeds from sales of tangible assets 4197900000
Purchase of tangible assets 63324900000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items -64939200000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -64939200000
5 Cash flows from used in financing activities
Proceeds from issuing shares 8100000
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 101808500000
Proceeds from borrowings 0
Repayments of borrowings 0
Dividends paid 39302400000
Interest paid 26908500000
Income taxes paid (refund) 0
Other inflows (outflows) of cash 2296500000
Net cash flows from (used in) financing activities before extraordinary items 37902200000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities 37902200000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 321878800000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents 321878800000
Cash and cash equivalents cash flow statement at beginning of period 1002898500000
Cash and cash equivalents cash flow statement at end of period 1324777300000


Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
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


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date