ALFA Finder| Revenue growth | FY26 Total Interest Income grew 3.8% to $13,391 Mn. |
|---|---|
| Margins | Global NIM at 2.89% for FY26 vs 3.08% for FY25. |
| Demand visibility | Strong credit demand in Retail (17.9%) and International (24.4%) segments. |
Growth
FY26 Net Interest Income rose 2.5% to $5,028 Mn; Net Profit reached $2,111 Mn. Global advances grew 16.2% YoY.
Outlook
Strong capital adequacy (15.82%) supports growth. Digital adoption reaching 97% of transactions; focusing on high-yield retail and MSME lending.
Risks
NIM compressed from 3.08% to 2.89% YoY. Non-interest income saw a marginal decline of 0.2%.
Last quarter's promises, checked
Delivered
- Loan growth 11-13% → delivered 16.2% (= BEAT)
- Deposit growth 9-11% → delivered 12% (= BEAT)
- ROA > 1% → delivered 1.06% (= BEAT)
Partly delivered
- Slippage ratio 1-1.25% → delivered 0.72% (= BEAT)
- Credit cost < 0.60% → delivered 0.46% (= BEAT)
Missed
- NIM guidance 2.75-2.95% → delivered 2.89% (FY26 NIM 3.08% to 2.89% YoY compression) (= MISS)
Earnings Call filed with BSE, NSE: BANKBARODA. Summary written with AI assistance from 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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- Key figure
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