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Highlights
🔹 The presented financial data is Consolidated to provide a comprehensive overview of the company performance. 🔹 Revenue over the Year and quarter: The company experienced a substantial growth of 8.42 % in the past year, substantial increase in revenue by 2.14 %. 🔹 Profit over the Year and quarter: Significant improvement in profitability for BANK OF BARODA. Notable increase of 9.04 % in net profit Year to Year, BANK OF BARODA’s profitability dropped by -2.87 % Quarter to Quarter. 🔹 EPS over the Year and quarter: EPS increased by 8.86 % Year to Year. EPS decreased by -2.7 % in previous quarter. Analysis needed for shareholder value.
Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
---|---|---|---|---|---|
Revenue | Rs. 30041.75 Cr | Rs. 31886.92 Cr | Rs. 32569.84 Cr | + 2.14 % | + 8.42 % |
Interest | Rs. 18002.05 Cr | Rs. 19266.01 Cr | Rs. 20143.22 Cr | + 4.55 % | + 11.89 % |
Expenses | Rs. 10555.7 Cr | Rs. 12755.22 Cr | Rs. 10654.44 Cr | -16.47 % | + 0.94 % |
Financing Profit | Rs. 1484 Cr | Rs. -134.31 Cr | Rs. 1772.18 Cr | + 1419.47 % | + 19.42 % |
Financing Margin % | 4.94 % | -0.42 % | 5.44 % | + 5.86 % | + 0.5 % |
Other Income | Rs. 5042.23 Cr | Rs. 7568.06 Cr | Rs. 5162.65 Cr | -31.78 % | + 2.39 % |
Depreciation | Rs. 0 Cr | Rs. 0 Cr | Rs. 0 Cr | 0 % | 0 % |
Profit before tax | Rs. 6526.23 Cr | Rs. 7433.75 Cr | Rs. 6934.83 Cr | -6.71 % | + 6.26 % |
Tax % | 27.24 % | 26.62 % | 26.22 % | -0.4 % | -1.02 % |
Net Profit | Rs. 4814.58 Cr | Rs. 5404.97 Cr | Rs. 5249.74 Cr | -2.87 % | + 9.04 % |
EPS in Rs | Rs. 9.26 | Rs. 10.36 | Rs. 10.08 | -2.7 % | + 8.86 % |
Gross NPA % | 0 % | 2.5 % | 0 % | % | % |
Net NPA % | 0 % | 0.6 % | 0 % | % | % |
Today, we’re looking at BANK OF BARODA’s financial performance for the Q3(Dec 2024-25).Starting with the top line, the company reported a robust year-over-year revenue growth of 8.42 %. However, it did see a marginal increase of 2.14 % from the previous quarter. Interest expenses surged remarkably by 4.55 % from the previous quarter, yet the year-over-year increase remains at a moderate 11.89 %. Expenses decreased slightly by -16.47 % quarter-on-quarter, aligning with the annual rise of 0.94 %.
Financing profit, while up 19.42 % compared to last year, faced a quarter-on-quarter increase of 1419.47 %, signaling a short-term expansion in margins. The Financing Margin % echoes this narrative, showing resilience on an annual basis with an increase of 0.5 %, but an expansion of 5.86 % sequentially. Other income fell by -31.78 % compared to the last quarter, despite an annual growth of 2.39 %. Profit before tax grew annually by 6.26 % but saw a reduction from the preceding quarter by -6.71 %. Tax expenses as a percentage of profits decreased slightly by -1.02 % compared to last year, With a more notable quarter-on-quarter decrease of -0.4 %.
Net profit rose by 9.04 % year-on-year, but witnessed a -2.87 % contraction from the last quarter. And finally, Earnings Per Share (EPS) displayed an annual uptick of 8.86 % but a quarterly fall of -2.7 %. In summary, BANK OF BARODA’s annual performance indicates steady growth, although the quarter-on-quarter figures suggest some areas may require strategic attention.
Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
---|---|---|---|---|---|
Revenue | Rs. 30041.75 Cr | Rs. 31886.92 Cr | Rs. 32569.84 Cr | + 2.14 % | + 8.42 % |
Interest | Rs. 18002.05 Cr | Rs. 19266.01 Cr | Rs. 20143.22 Cr | + 4.55 % | + 11.89 % |
Expenses | Rs. 10555.7 Cr | Rs. 12755.22 Cr | Rs. 10654.44 Cr | -16.47 % | + 0.94 % |
Financing Profit | Rs. 1484 Cr | Rs. -134.31 Cr | Rs. 1772.18 Cr | + 1419.47 % | + 19.42 % |
Net Profit | Rs. 4814.58 Cr | Rs. 5404.97 Cr | Rs. 5249.74 Cr | -2.87 % | + 9.04 % |
EPS in Rs | Rs. 9.26 | Rs. 10.36 | Rs. 10.08 | -2.7 % | + 8.86 % |
In reviewing BANK OF BARODA’s 2024-25(Q3) financial snapshot, key trends emerge, shedding light on the company’s performance.Revenue saw a robust 8.42 % year-on-year growth, however, there was a minor increase of 2.14 % from the previous quarter. Interest expenses climbed by 4.55 % quarterly and sharply by 11.89 % annually, demonstrating effective cost control and improved debt management. Expenses rose by 0.94 % compared to the previous year, with a decrease of -16.47 % quarter-on-quarter. Financing Profit surged by 19.42 % annually, and saw a 1419.47 % increase from the last quarter.
Net Profit showed yearly increase of 9.04 %, and experienced a -2.87 % decrease from the previous quarter. Earnings Per Share (EPS) rose by 8.86 % annually, however dipped by -2.7 % compared to the last quarter. In essence, while BANK OF BARODA exhibits strong annual growth indicators, short-term fluctuations suggest the need for agile strategies to navigate market dynamics effectively. That’s all for now in the financial sector.