Bank of Baroda Limited (NSE:BANKBARODA)

Bank of Baroda Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	1,279,448	1,183,792	945,026	733,855	743,140
Interest Paid on Deposits	782,649	698,991	499,422	388,155	432,012
Net Interest Income	496,798	484,801	445,604	345,700	311,128
Net Interest Income Growth (YoY)	2.48%	8.80%	28.90%	11.11%	7.83%
Gain (Loss) on Sale of Assets	396.47	63.14	143.31	42.35	2,713
Gain (Loss) on Sale of Investments	36,615	35,151	573.42	20,105	39,827
Other Non-Interest Income	212,383	198,781	162,037	123,800	109,997
Total Non-Interest Income	249,394	233,995	162,754	143,947	152,536
Non-Interest Income Growth (YoY)	6.58%	43.77%	13.06%	-5.63%	25.12%
Revenues Before Loan Losses	746,192	718,796	608,358	489,647	463,664
Provision for Loan Losses	102,795	117,435	96,268	141,176	107,669
Revenue	643,397	601,362	512,090	348,471	355,996
Revenue Growth (YoY)	6.99%	17.43%	46.95%	-2.11%	59.54%
Salaries and Employee Benefits	179,104	169,667	143,474	126,438	119,934
Occupancy Expenses	45,599	45,638	47,583	40,032	40,680
Amortization of Goodwill & Intangibles	-	81.23	81.23	-	-
Selling, General & Administrative	13,973	14,108	12,532	8,946	7,709
Other Non-Interest Expense	128,532	113,874	102,774	72,972	62,852
Total Non-Interest Expense	363,148	338,776	303,271	246,060	229,511
EBT Excluding Unusual Items	280,249	262,586	208,819	102,411	126,485
Pretax Income	280,249	262,586	208,819	102,411	126,485
Income Tax Expense	71,596	73,897	58,767	23,081	110,282
Earnings From Continuing Operations	208,653	188,689	150,052	79,330	16,203
Minority Interest in Earnings	-1,489	-1,015	-1,000	-832.9	-726.31
Net Income	207,163	187,674	149,052	78,497	15,477
Net Income to Common	207,163	187,674	149,052	78,497	15,477
Net Income Growth	10.38%	25.91%	89.88%	407.20%	66.82%
Basic Shares Outstanding	5,171	5,171	5,171	5,171	4,663
Diluted Shares Outstanding	5,171	5,171	5,171	5,171	4,663
Shares Change (YoY)	-	-	-	10.91%	16.36%
EPS (Basic)	40.06	36.29	28.82	15.18	3.32
EPS (Diluted)	40.06	36.29	28.82	15.18	3.32
EPS Growth	10.39%	25.92%	89.87%	357.32%	43.37%
Dividend Per Share	8.350	7.600	5.500	2.850	-
Dividend Growth	9.87%	38.18%	92.98%	-	-
Effective Tax Rate	25.55%	28.14%	28.14%	22.54%	87.19%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.