Bank Of Baroda

2471.02%

2026-08-21

bankofbaroda.inBSE: 532134NSE: BANKBARODA
Market Cap₹ 1,26,440 Cr.
Current Price₹ 244
High / Low₹ 326 / 231
Stock P/E7.0
Book Value₹ 326
Price to Book0.77
Dividend Yield3.48 %
ROCE11.2 %
ROE12.5 %
Face Value₹ 2

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Other Retail Banking-Retail Banking: 39.8% • Corporate/Wholesale Banking: 32.3% • Treasury: 22.2% • Banking/ And Other Operations: 5.6% • Digital Banking-Retail Banking: 0.0%

PROS

  • Company has delivered good profit growth of 68.0% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 15.8%
  • Asset quality is healthy - gross NPA of just 1.9%
  • Company has consistently been profitable over the last 5 years
  • Strong provisioning - provision coverage ratio of 93.3%
  • Healthy loan book growth of 16.5% with stable asset quality

CONS

  • A large part of profit comes from other income (90.3% of PBT)
  • Operating margins have contracted to 27.0% from 31.9%
  • Thin net interest margin of 2.4%
  • Growth is decelerating - 3Y profit CAGR (9.9%) trails the 5Y trend (68.0%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

EDIT COLUMNS
S.No.NameCMP Rs.P/EMar Cap Rs.Cr.Div Yld %NP Qtr Rs.Cr.Qtr Profit Var %Sales Qtr Rs.Cr.Qtr Sales Var %ROCE %OPM %
1.SBIN1046.0011.20965522.601.6624579.0413.65136240.498.3612.1652.34
2.UNIONBANK185.506.86141603.382.705368.1729.7727427.101.2114.5769.42
3.PNB117.006.09134467.442.565339.15191.4033589.173.1213.2675.40
4.BANKBARODA244.506.96126439.813.481572.59-53.0835114.526.8411.2033.10
5.INDIANB872.009.19117455.262.093299.4848.7318095.1411.1116.2867.14
6.CANBK128.555.87116603.223.274864.0861.9632957.164.5514.4668.47
7.BANKINDIA141.505.4764420.253.293138.4677.9220096.908.8310.9773.18
8.IOB33.1810.7263893.360.001659.2449.258777.5718.8211.3154.56
9.MAHABANK79.858.1561417.072.7620205.401168.3280346.501039.0216.5368.61
10.UCOBANK25.6913.0532214.131.71652.4324.096744.5915.1011.0054.71
11.CENTRALBK30.926.1327986.933.881328.955.439725.9012.798.2767.83
12.PSB23.210.0016468.851.68331.5123.163213.3710.409.0771.38
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023
28,003
Interest Expended
16,060
Net Interest Income
11,942
5,316
Total Income
0
Operating Expenses
0
Operating Profit
0
Provisions & Contingencies
0
Profit before Tax
6,217
Tax %
30.80%
Net Profit
0
EPS
9
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Sep 2023
29,263
Interest Expended
17,528
Net Interest Income
11,735
6,503
Total Income
0
Operating Expenses
0
Operating Profit
0
Provisions & Contingencies
0
Profit before Tax
6,023
Tax %
27.89%
Net Profit
0
EPS
8
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Dec 2023
30,042
Interest Expended
18,002
Net Interest Income
12,040
5,042
Total Income
0
Operating Expenses
0
Operating Profit
0
Provisions & Contingencies
0
Profit before Tax
6,526
Tax %
27.24%
Net Profit
0
EPS
9
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Mar 2024
31,072
Interest Expended
18,309
Net Interest Income
12,763
6,538
Total Income
0
Operating Expenses
0
Operating Profit
0
Provisions & Contingencies
0
Profit before Tax
7,033
Tax %
28.68%
Net Profit
0
EPS
10
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
0.00%
Return on Assets %
0.00%
Branches / ATMs / Employees
Jun 2024
31,143
Interest Expended
18,582
Net Interest Income
12,561
4,658
Total Income
35,801
Operating Expenses
84,372
Operating Profit
87,813
Provisions & Contingencies
24,418
Profit before Tax
6,340
Tax %
27.75%
Net Profit
4,580
EPS
9
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.32%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
17.20%
Return on Assets %
1.14%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.32%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
17.20%
Return on Assets %
1.14%
Branches / ATMs / Employees
Sep 2024
31,902
Interest Expended
19,266
Net Interest Income
12,636
7,553
Total Income
39,455
Operating Expenses
89,824
Operating Profit
1,12,066
Provisions & Contingencies
37,728
Profit before Tax
7,434
Tax %
26.62%
Net Profit
5,455
EPS
10
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.61%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
16.67%
Return on Assets %
1.27%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.61%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
16.67%
Return on Assets %
1.27%
Branches / ATMs / Employees
Dec 2024
32,939
Interest Expended
20,143
Net Interest Income
12,796
4,794
Total Income
37,732
Operating Expenses
91,576
Operating Profit
84,317
Provisions & Contingencies
14,969
Profit before Tax
6,935
Tax %
26.22%
Net Profit
5,117
EPS
10
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.51%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
16.36%
Return on Assets %
1.19%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.51%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
16.36%
Return on Assets %
1.19%
Branches / ATMs / Employees
Mar 2025
32,820
Interest Expended
20,273
Net Interest Income
12,547
7,076
Total Income
39,896
Operating Expenses
1,01,436
Operating Profit
94,789
Provisions & Contingencies
25,680
Profit before Tax
6,911
Tax %
23.21%
Net Profit
5,307
EPS
10
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.29%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
17.60%
Return on Assets %
1.19%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.29%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
17.60%
Return on Assets %
1.19%
Branches / ATMs / Employees
Jun 2025
32,866
Interest Expended
20,307
Net Interest Income
12,560
5,538
Total Income
38,404
Operating Expenses
95,120
Operating Profit
85,856
Provisions & Contingencies
34,160
Profit before Tax
5,170
Tax %
35.16%
Net Profit
3,352
EPS
7
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.18%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
18.29%
Return on Assets %
0.75%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.18%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
18.29%
Return on Assets %
0.75%
Branches / ATMs / Employees
Sep 2025
33,318
Interest Expended
20,191
Net Interest Income
13,127
5,116
Total Income
38,434
Operating Expenses
97,500
Operating Profit
84,928
Provisions & Contingencies
17,978
Profit before Tax
6,695
Tax %
24.27%
Net Profit
5,070
EPS
10
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.21%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
16.97%
Return on Assets %
1.09%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.21%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
16.97%
Return on Assets %
1.09%
Branches / ATMs / Employees
Dec 2025
33,600
Interest Expended
20,586
Net Interest Income
13,014
6,399
Total Income
39,999
Operating Expenses
97,615
Operating Profit
96,516
Provisions & Contingencies
26,281
Profit before Tax
7,024
Tax %
23.02%
Net Profit
5,407
EPS
11
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
92.73%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
15.75%
Return on Assets %
1.12%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
92.73%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
15.75%
Return on Assets %
1.12%
Branches / ATMs / Employees
Mar 2026
34,514
Interest Expended
20,776
Net Interest Income
13,738
5,474
Total Income
39,988
Operating Expenses
96,939
Operating Profit
95,180
Provisions & Contingencies
34,615
Profit before Tax
6,057
Tax %
6.75%
Net Profit
5,648
EPS
11
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.94%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
16.25%
Return on Assets %
1.14%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.94%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
16.25%
Return on Assets %
1.14%
Branches / ATMs / Employees
Jun 2026
35,115
Interest Expended
21,301
Net Interest Income
13,813
6,202
Total Income
41,317
Operating Expenses
9,432
Operating Profit
10,584
Provisions & Contingencies
2,698
Profit before Tax
2,206
Tax %
28.70%
Net Profit
1,573
EPS
0
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.28%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
16.70%
Return on Assets %
0.34%
Branches / ATMs / Employees
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.28%
NIM %
0.00%
CASA %
0.00%
Capital Adequacy %
16.70%
Return on Assets %
0.34%
Branches / ATMs / Employees

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017
0
Interest Expended
29,596
Net Interest Income
-29,596
7,937
Total Income
0
0
Operating Profit
-29,596
8,965
Profit before Tax
3,024
Tax %
0
Net Profit
1,777
EPS
8
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2018
0
Interest Expended
29,160
Net Interest Income
-29,160
7,992
Total Income
0
0
Operating Profit
-29,160
15,104
Profit before Tax
-2,106
Tax %
0
Net Profit
-1,912
EPS
-8
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2019
0
Interest Expended
32,506
Net Interest Income
-32,506
7,887
Total Income
0
0
Operating Profit
-32,506
12,609
Profit before Tax
1,525
Tax %
0
Net Profit
1,087
EPS
4
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2020
0
Interest Expended
50,040
Net Interest Income
-50,040
12,191
Total Income
0
0
Operating Profit
-50,040
20,947
Profit before Tax
-1,234
Tax %
0
Net Profit
942
EPS
2
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2021
0
Interest Expended
43,201
Net Interest Income
-43,201
15,254
Total Income
0
0
Operating Profit
-43,201
15,572
Profit before Tax
6,373
Tax %
0
Net Profit
1,454
EPS
3
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2022
0
Interest Expended
38,815
Net Interest Income
-38,815
14,395
Total Income
0
0
Operating Profit
-38,815
12,863
Profit before Tax
10,008
Tax %
0
Net Profit
7,700
EPS
15
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2023
0
Interest Expended
49,942
Net Interest Income
-49,942
16,275
Total Income
0
0
Operating Profit
-49,942
6,920
Profit before Tax
20,565
Tax %
0
Net Profit
14,688
EPS
29
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2024
1,18,379
Interest Expended
69,899
Net Interest Income
48,480
23,399
Total Income
1,41,779
34,337
Operating Profit
37,543
11,743
Profit before Tax
25,799
Tax %
29
Net Profit
18,410
EPS
36
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2025
1,27,945
Interest Expended
78,265
Net Interest Income
49,680
24,939
Total Income
1,52,884
36,721
Operating Profit
37,898
10,280
Profit before Tax
27,619
Tax %
26
Net Profit
20,459
EPS
40
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
Mar 2026
1,34,298
Interest Expended
81,860
Net Interest Income
52,438
22,527
Total Income
1,56,825
38,717
Operating Profit
36,248
11,303
Profit before Tax
24,945
Tax %
22
Net Profit
19,477
EPS
38
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %
TTM
Interest Expended
82,855
Net Interest Income
23,192
Total Income
1,59,738
Operating Profit
Profit before Tax
21,981
Tax %
19
Net Profit
17,698
EPS
NIM %
Cost-to-Income %
Credit Cost %
NIM %
Cost-to-Income %
Credit Cost %

COMPOUNDED SALES GROWTH

10 Years:
11%
5 Years:
13%
3 Years:
12%

COMPOUNDED PROFIT GROWTH

10 Years:
5 Years:
67%
3 Years:
10%

STOCK PRICE CAGR

10 Years:
4%
5 Years:
27%
3 Years:
9%
1 Year:
0%

RETURN ON EQUITY

10 Years:
7%
5 Years:
14%
3 Years:
15%
Last Year:
12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2026

Jun 5

₹ 4.25

Rs.8.5000 per share(425%)Dividend

2025

Jun 6

₹ 4.17

Rs.8.3500 per share(417.5%)Final Dividend

2024

Jun 28

₹ 3.80

Rs.7.6000 per share(380%)Dividend

2023

Jun 30

₹ 2.75

Rs.5.5000 per share(275%)Dividend

2022

Jun 17

₹ 1.42

Rs.1.2000 per share(60%)Dividend

2017

Jun 22

₹ 0.60

Rs.1.2000 per share(60%)Dividend

Mar 2017
Equity Capital
461
42,605
6,17,257
31,242
Other Liabilities & Provisions
27,422
Total Liabilities
7,19,221
23,915
Balances with Banks & Money at Call
1,30,200
1,40,716
3,92,262
5,930
26,197
Total Assets
7,19,221
CASA Deposits
1,54,327
CASA Ratio (%)
25.00
Credit-Deposit Ratio (%)
63.55
Contingent Liabilities
2,53,395
Bills for Collection
0
Book Value per Share
171.25
CASA Deposits
1,54,327
CASA Ratio (%)
25.00
Credit-Deposit Ratio (%)
63.55
Contingent Liabilities
2,53,395
Bills for Collection
0
Book Value per Share
171.25
Mar 2018
Equity Capital
529
46,036
6,07,451
64,860
Other Liabilities & Provisions
28,655
Total Liabilities
7,47,805
24,035
Balances with Banks & Money at Call
73,388
1,75,137
4,37,941
5,532
31,771
Total Assets
7,47,805
CASA Deposits
1,69,168
CASA Ratio (%)
27.85
Credit-Deposit Ratio (%)
72.09
Contingent Liabilities
2,99,023
Bills for Collection
0
Book Value per Share
163.97
CASA Deposits
1,69,168
CASA Ratio (%)
27.85
Credit-Deposit Ratio (%)
72.09
Contingent Liabilities
2,99,023
Bills for Collection
0
Book Value per Share
163.97
Mar 2019
Equity Capital
529
49,424
6,65,589
68,868
Other Liabilities & Provisions
29,878
Total Liabilities
8,19,672
28,225
Balances with Banks & Money at Call
69,659
1,95,716
4,84,215
7,144
34,712
Total Assets
8,19,672
CASA Deposits
1,82,120
CASA Ratio (%)
27.36
Credit-Deposit Ratio (%)
72.75
Contingent Liabilities
3,81,543
Bills for Collection
0
Book Value per Share
171.64
CASA Deposits
1,82,120
CASA Ratio (%)
27.36
Credit-Deposit Ratio (%)
72.75
Contingent Liabilities
3,81,543
Bills for Collection
0
Book Value per Share
171.64
Mar 2020
Equity Capital
924
75,179
9,73,228
95,753
Other Liabilities & Provisions
54,471
Total Liabilities
11,99,942
34,245
Balances with Banks & Money at Call
96,760
2,89,727
7,06,540
9,044
63,627
Total Assets
11,99,942
CASA Deposits
2,74,835
CASA Ratio (%)
28.24
Credit-Deposit Ratio (%)
72.60
Contingent Liabilities
3,84,036
Bills for Collection
0
Book Value per Share
151.46
CASA Deposits
2,74,835
CASA Ratio (%)
28.24
Credit-Deposit Ratio (%)
72.60
Contingent Liabilities
3,84,036
Bills for Collection
0
Book Value per Share
151.46
Mar 2021
Equity Capital
1,034
81,354
9,95,910
71,263
Other Liabilities & Provisions
52,677
Total Liabilities
12,02,676
40,154
Balances with Banks & Money at Call
88,507
2,81,859
7,23,242
8,082
60,696
Total Assets
12,02,676
CASA Deposits
3,15,821
CASA Ratio (%)
31.71
Credit-Deposit Ratio (%)
72.62
Contingent Liabilities
4,00,674
Bills for Collection
0
Book Value per Share
159.32
CASA Deposits
3,15,821
CASA Ratio (%)
31.71
Credit-Deposit Ratio (%)
72.62
Contingent Liabilities
4,00,674
Bills for Collection
0
Book Value per Share
159.32
Mar 2022
Equity Capital
1,034
90,833
10,75,804
1,09,526
Other Liabilities & Provisions
62,181
Total Liabilities
13,40,137
72,775
Balances with Banks & Money at Call
57,454
3,47,587
7,97,281
10,057
54,852
Total Assets
13,40,137
CASA Deposits
3,51,551
CASA Ratio (%)
32.68
Credit-Deposit Ratio (%)
74.11
Contingent Liabilities
4,05,792
Bills for Collection
0
Book Value per Share
177.65
CASA Deposits
3,51,551
CASA Ratio (%)
32.68
Credit-Deposit Ratio (%)
74.11
Contingent Liabilities
4,05,792
Bills for Collection
0
Book Value per Share
177.65
Mar 2023
Equity Capital
1,034
1,04,019
12,34,682
1,07,910
Other Liabilities & Provisions
77,238
Total Liabilities
15,25,879
56,696
Balances with Banks & Money at Call
45,677
3,97,487
9,63,652
8,876
53,410
Total Assets
15,25,879
CASA Deposits
3,78,079
CASA Ratio (%)
30.62
Credit-Deposit Ratio (%)
78.05
Contingent Liabilities
5,81,568
Bills for Collection
0
Book Value per Share
203.14
CASA Deposits
3,78,079
CASA Ratio (%)
30.62
Credit-Deposit Ratio (%)
78.05
Contingent Liabilities
5,81,568
Bills for Collection
0
Book Value per Share
203.14
Mar 2024
Equity Capital
1,034
1,18,677
13,59,980
1,01,959
Other Liabilities & Provisions
72,110
Total Liabilities
165
56,720
Balances with Banks & Money at Call
43,570
4,07,136
10,88,983
8,036
50,221
Total Assets
165
CASA Deposits
3,99,047
CASA Ratio (%)
29.34
Credit-Deposit Ratio (%)
80.07
Contingent Liabilities
5,78,783
Bills for Collection
61,980
Book Value per Share
231.49
CASA Deposits
3,99,047
CASA Ratio (%)
29.34
Credit-Deposit Ratio (%)
80.07
Contingent Liabilities
5,78,783
Bills for Collection
61,980
Book Value per Share
231.49
Mar 2025
Equity Capital
1,034
1,45,467
14,96,696
1,35,813
Other Liabilities & Provisions
81,515
Total Liabilities
186
58,191
Balances with Banks & Money at Call
74,287
4,27,380
12,37,240
12,479
52,043
Total Assets
186
CASA Deposits
4,18,050
CASA Ratio (%)
27.93
Credit-Deposit Ratio (%)
82.66
Contingent Liabilities
7,86,466
Bills for Collection
62,538
Book Value per Share
283.29
CASA Deposits
4,18,050
CASA Ratio (%)
27.93
Credit-Deposit Ratio (%)
82.66
Contingent Liabilities
7,86,466
Bills for Collection
62,538
Book Value per Share
283.29
Mar 2026
Equity Capital
1,034
1,64,833
16,75,895
1,70,297
Other Liabilities & Provisions
87,944
Total Liabilities
210
64,686
Balances with Banks & Money at Call
96,137
4,35,778
14,40,458
12,048
52,246
Total Assets
210
CASA Deposits
4,55,878
CASA Ratio (%)
27.20
Credit-Deposit Ratio (%)
85.95
Contingent Liabilities
7,96,249
Bills for Collection
66,819
Book Value per Share
320.74
CASA Deposits
4,55,878
CASA Ratio (%)
27.20
Credit-Deposit Ratio (%)
85.95
Contingent Liabilities
7,96,249
Bills for Collection
66,819
Book Value per Share
320.74

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017
17,865
Cash from Investing
-551
Cash from Financing
-198
17,116
Mar 2018
-59,692
Cash from Investing
-414
Cash from Financing
3,413
-56,692
Mar 2019
-1,449
Cash from Investing
-2,537
Cash from Financing
4,449
462
Mar 2020
1,519
Cash from Investing
-139
Cash from Financing
14,729
16,109
Mar 2021
-887
Cash from Investing
-471
Cash from Financing
-986
-2,344
Mar 2022
6,210
Cash from Investing
-3,645
Cash from Financing
-998
1,567
Mar 2023
-21,354
Cash from Investing
-1,096
Cash from Financing
-5,405
-27,855
Mar 2024
-6,274
Cash from Investing
-1,285
Cash from Financing
5,476
-2,084
Mar 2025
34,892
Cash from Investing
-6,494
Cash from Financing
3,790
32,188
Mar 2026
33,426
Cash from Investing
-3,275
Cash from Financing
-1,806
28,345

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017
EPS (₹)
7.88
Book Value (₹)
171.25
Dividend per Share (₹)
1.20
Net Interest Margin %
0.00%
ROA %
0.25%
ROE %
4.57%
0.00%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
0.00%
Credit-Deposit Ratio %
0.00%
0.00%
Net Profit Growth %
135.17%
Book Value Growth %
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
0.00%
Mar 2018
EPS (₹)
-7.13
Book Value (₹)
163.97
Dividend per Share (₹)
0.00
Net Interest Margin %
0.00%
ROA %
-0.26%
ROE %
-4.62%
0.00%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
0.00%
Credit-Deposit Ratio %
0.00%
0.00%
Net Profit Growth %
-207.58%
Book Value Growth %
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
0.00%
Mar 2019
EPS (₹)
4.16
Book Value (₹)
171.64
Dividend per Share (₹)
0.00
Net Interest Margin %
0.00%
ROA %
0.14%
ROE %
2.45%
0.00%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
0.00%
Credit-Deposit Ratio %
0.00%
0.00%
Net Profit Growth %
156.85%
Book Value Growth %
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
0.00%
Mar 2020
EPS (₹)
2.01
Book Value (₹)
151.46
Dividend per Share (₹)
0.00
Net Interest Margin %
0.00%
ROA %
0.09%
ROE %
1.63%
0.00%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
0.00%
Credit-Deposit Ratio %
0.00%
0.00%
Net Profit Growth %
-13.33%
Book Value Growth %
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
0.00%
Mar 2021
EPS (₹)
2.99
Book Value (₹)
159.32
Dividend per Share (₹)
0.00
Net Interest Margin %
0.00%
ROA %
0.12%
ROE %
1.91%
0.00%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
0.00%
Credit-Deposit Ratio %
0.00%
0.00%
Net Profit Growth %
54.31%
Book Value Growth %
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
0.00%
Mar 2022
EPS (₹)
15.18
Book Value (₹)
177.65
Dividend per Share (₹)
2.85
Net Interest Margin %
0.00%
ROA %
0.61%
ROE %
8.84%
0.00%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
0.00%
Credit-Deposit Ratio %
0.00%
0.00%
Net Profit Growth %
429.63%
Book Value Growth %
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
0.00%
Mar 2023
EPS (₹)
28.82
Book Value (₹)
203.14
Dividend per Share (₹)
5.50
Net Interest Margin %
0.00%
ROA %
1.02%
ROE %
14.92%
0.00%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
0.00%
Credit-Deposit Ratio %
0.00%
0.00%
Net Profit Growth %
90.75%
Book Value Growth %
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
0.00%
Mar 2024
EPS (₹)
36.29
Book Value (₹)
231.49
Dividend per Share (₹)
7.60
Net Interest Margin %
3.04%
ROA %
1.16%
ROE %
16.38%
47.77%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
0.00%
Slippage Ratio %
CASA %
38.36%
Credit-Deposit Ratio %
0.07%
0.00%
Net Profit Growth %
25.34%
Book Value Growth %
13.95%
P/E (x)
7.28x
P/B (x)
1.14x
2.88%
Mar 2025
EPS (₹)
40.06
Book Value (₹)
283.29
Dividend per Share (₹)
8.35
Net Interest Margin %
2.76%
ROA %
1.16%
ROE %
15.37%
49.21%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.29%
Slippage Ratio %
CASA %
37.71%
Credit-Deposit Ratio %
0.09%
0.00%
Net Profit Growth %
11.13%
Book Value Growth %
22.38%
P/E (x)
5.70x
P/B (x)
0.81x
3.66%
Mar 2026
EPS (₹)
38.38
Book Value (₹)
320.74
Dividend per Share (₹)
8.50
Net Interest Margin %
2.57%
ROA %
0.98%
ROE %
12.47%
51.65%
Gross NPA %
0.00%
Net NPA %
0.00%
Provision Coverage %
93.94%
Slippage Ratio %
CASA %
37.06%
Credit-Deposit Ratio %
0.10%
0.00%
Net Profit Growth %
-4.80%
Book Value Growth %
13.22%
P/E (x)
6.45x
P/B (x)
0.77x
3.44%

Shareholding Pattern

Numbers in percentages

TRADES
Sep 2024
63.97
9.87
16.35
Government
0.00
9.56
Dec 2024
63.97
8.90
17.86
Government
0.00
9.00
Mar 2025
63.97
8.98
17.97
Government
0.00
8.83
Jun 2025
63.97
8.08
18.79
Government
0.00
8.89
Sep 2025
63.97
8.71
18.93
Government
0.00
8.31
Dec 2025
63.97
9.84
18.72
Government
0.00
7.37
Mar 2026
63.97
9.69
18.92
Government
0.00
7.33
Jun 2026
63.97
10.14
18.33
Government
0.00
7.46

Documents

Announcements

  • General Updates

    2026-08-19 - Bank Of Baroda has informed the Exchange about disclosure under regulation 30

  • General Updates

    2026-08-18 - Bank Of Baroda has informed the Exchange about Investor Conference - Outcome

Annual Reports

Nothing filed yet.

Credit Ratings

  • Credit Rating

    2026-06-29 - Bank Of Baroda has informed the Exchange about Credit Rating

  • Credit Rating

    2026-06-22 - Bank Of Baroda has informed the Exchange about Credit Rating

  • Credit Rating

    2026-06-17 - Bank Of Baroda has informed the Exchange about Credit Rating

Concalls