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Earnings Call

Bank of Baroda Earnings Call: Key Takeaways

Bank of Baroda reported record net profit of ₹20,021cr for FY26. Management is focusing on RAM advances and CASA growth while managing liquidity through bulk deposits.

Why this was an Alfa AlertLoan growth beat: Guided 11-13%, achieved 16.2% (a 24.6% beat over the upper guidance end); management explicitly upsized future guidance.
Highlights
Revenue growthGlobal business volume crossed ₹30 lakh crore, up 13.9% YoY.
MarginsNIM improved to 2.89%; guidance set at 2.75-2.95% for FY27.
Demand visibilityStrong momentum in RAM (Retail, Ag, MSME) and corporate segments.
Management confidenceHigh; achieving highest ever quarterly and yearly profits.

Growth

FY26 Net Profit grew 11.2% to ₹20,021cr; Global Advances increased 16.2% YoY; Deposits grew 12%.

Outlook

Raised FY27 loan growth guidance to 12-14%; NIM guidance 2.75-2.95%; plans to raise ₹6,000cr capital.

Risks

Geopolitical tensions in West Asia impacting global books; sticky cost of deposits; potential weak monsoon effects.

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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