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Earnings Call

Bank of Baroda Earnings Call: Key Takeaways

Bank of Baroda delivered its highest-ever Net Profit of ₹20,021 crore for FY26. Performance focuses on sustainable credit growth, high-quality asset maintenance, and advancing digital/ESG initiatives.

Why this was an Alfa AlertNot a filter event. Results align with general growth trends; no explicit guidance beat of >5% stated for primary metrics.
Highlights
Revenue growthGlobal Advances up 16.2%; Total Business grew 13.9% YoY.
MarginsGlobal NIM at 2.89%; Cost of Income ratio at 49.15%.
Demand visibilityStrong growth in Retail (17.9%) and Agriculture (20.7%) advances.

Growth

FY26 Net Profit grew 2.2% YoY; Net Interest Income rose 2.5%. Global Advances increased 16.2% YoY to ₹14.3 lakh crore.

Outlook

Focus on RAM segment (61% of domestic credit) and maintaining CET-1 ratio of 13.16%. Declared dividend of ₹8.5/share.

Risks

Compression in Domestic NIM (3.04% vs 3.25% YoY) and rising Cost of Deposits (5.07% vs 5.21% in FY25).

Source

Earnings Call filed with BSE, NSE: BANKBARODA. Summary written with AI assistance from the document.

Read the document ↗

Bank of Baroda: key numbers

Share price
₹274.31
Market cap
₹1,41,856 Cr
Revenue (annual)
₹1,34,298 Cr
Net profit (annual)
₹19,846 Cr
P/E (TTM)
7.2×Sector 20.8×
Promoter holding
63.97%+0.00% QoQ
FII holding
10.29%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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