BANKBARODA · Financial Services
Bank of Baroda reported total income of ₹32,866 cr for April to June 2025, +5.5% on the year and +0.1% on the quarter. It is the highest quarterly income in the last 9 quarters on record. Over the last four quarters income comes to ₹1.30 lakh cr, +7.1% on the four before.
Net interest income, interest earned less interest paid, was ₹12,559 cr, −0.0% on the year and +0.1% on the quarter. For a lender this is the core earnings line: it shows whether the loan book and its pricing are growing faster than the cost of funds.
Net profit was ₹3,517 cr, −26.2% on the year and −35.4% on the quarter, with earnings per share of ₹6.71. The tax rate was 35% against an average of 27% over the previous 8 quarters, which weighed on profit this quarter. Profit over the last four quarters totals ₹19,619 cr, +2.4% on the four before.
A bank's quarter turns on loan growth, the margin it earns over its cost of deposits, and credit costs. Total income and profit are in the statements; bad loans, provisions and the net interest margin come from the filing. The quarterly statements do not carry gross and net NPA, provision cover, credit cost and NIM; those come with the filing read.
Written from the quarterly statements. The filing read adds the balance sheet and cash flow, the auditor's review, segment results, one-off items line by line and what management said on the call.
No check fired. That is a statement about the checks below, not a verdict on the company.
Could not run on this quarter: Exceptional items that recur, Auditor's review or audit report, IPO money used as stated, Related-party transactions, Exits, postponements, restatements, Promoter pledges and allotments, Earlier promises against delivery, When the results were filed, Asset quality (lenders), Net interest margin (lenders). Most need the filing read (balance sheet, cash flow, auditor, disclosures).
Net profit a year ago, each driver's change, and net profit now. Blue added profit, red took it away.
Lenders are read on NIM, asset quality, provision cover and credit cost. Those come from the filing read, which is not in yet for this quarter, so margin, other-income and cash checks are withheld rather than shown on a template built for manufacturers.
| Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total income | ₹30,042 cr | ₹31,072 cr | ₹31,143 cr | ₹31,902 cr | ₹32,570 cr | ₹32,820 cr | ₹32,866 cr | ₹33,318 cr | ₹33,600 cr | ₹34,514 cr | ₹35,115 cr | ₹37,021 cr |
| YoY | — | — | +11% | +9% | +8% | +6% | +6% | +4% | +3% | +5% | +7% | +11% |
| Exceptional items | — | — | — | — | — | — | — | — | — | — | −₹5,680 cr | — |
| Tax rate | 27% | 29% | 28% | 27% | 26% | 23% | 35% | 24% | 23% | 7% | 29% | 28% |
| Net profit | ₹4,815 cr | ₹5,160 cr | ₹4,764 cr | ₹5,405 cr | ₹5,250 cr | ₹5,447 cr | ₹3,517 cr | ₹5,070 cr | ₹5,501 cr | ₹5,872 cr | ₹1,573 cr | ₹6,639 cr |
| YoY | — | — | +7% | +22% | +9% | +6% | −26% | −6% | +5% | +8% | −55% | +31% |
| EPS | ₹9.26 | ₹9.92 | ₹9.14 | ₹10.36 | ₹10.08 | ₹10.48 | ₹6.71 | ₹9.93 | ₹10.53 | ₹11.22 | ₹3.45 | ₹13.03 |
| Flags | · | · | · | · | · | · | · | · | · | 1 | 1 | 3 |
Each quarter is read with the same rules. Balance-sheet and cash checks run on half-year and annual quarters; filing-read checks run where a read exists.
Bank of Baroda reported total income of ₹32,866 cr (+5.5% on the year) and net profit of ₹3,517 cr (−26.2% on the year) for April to June 2025.
None of the 3 checks that could run raised a question.
No. FinMinutes reports what was filed and the questions the numbers raise. It does not recommend buying, selling or holding any security.
Numbers as filed with the exchanges, read by rules. Every flag is a question with its source, not an accusation. FinMinutes is a financial data and analytics platform; nothing here is a recommendation to buy, sell or hold any security. How each check works.