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Earnings Call

Bank of Baroda Earnings Call: Key Takeaways

Bank of Baroda reported its highest-ever annual net profit for FY26, driven by steady credit growth and improved asset quality. Strategy focuses on retail-led advances and maintaining strong capital adequacy.

Highlights
Revenue growthTotal Interest Income grew 3.8% YoY to ₹1,26,994 crore in FY26.
MarginsGlobal NIM at 2.89% for FY26 vs 3.08% in FY25.
Order bookGlobal Business reached ₹30.78 lakh crore, up 13.9% YoY.
Demand visibilityStrong growth in Retail (17.9%) and Agriculture (20.7%) segments.
Management confidenceHigh; highlighted record profits and robust asset quality metrics.

Growth

FY26 Net Profit grew 2.2% YoY to ₹20,021 crore; Global Advances rose 16.2% YoY led by retail organic growth at 17.9%.

Outlook

Declared dividend of ₹8.5/share; maintaining healthy LCR of 127% and focusing on sustainable social and green financing initiatives.

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 NSE, 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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