| Margins | Global NIM at 2.77%; Domestic NIM at 2.93%. |
|---|---|
| Demand visibility | Strong credit demand in Retail (18.4%) and MSME (20.3%). |
| Management confidence | High on asset quality and RAM credit segments. |
Growth
Global advances grew 17.4% YoY; NII increased 9.5% YoY to INR 12,524 crore. Global deposits rose 13.8% YoY.
Outlook
Strong focus on RAM (Retail, Agri, MSME) credit growth (62.9% share) and maintenance of high provision coverage (93.28%).
Risks
Net profit fell 71.8% YoY due to a USD 600Mn exceptional item. NIM compressed to 2.77% from 2.91%.
Last quarter's promises, checked
Delivered
- Loan growth 12-14% → delivered 17.4% (= BEAT)
- ROA > 1% → delivered 1.06% (normalized) (= BEAT)
- Credit cost < 0.60% → delivered 0.46% (= BEAT)
Partly delivered
- CASA growth 10% → delivered 9.8% (= PARTIAL)
Missed
- NIM 2.75-2.95% → delivered 2.77% (at lower end) (= MISS)
- Deposit growth 10-12% → delivered 13.8% (= BEAT/MISS on cost)
Investor Presentation filed with BSE, NSE: BANKBARODA. Summary written with AI assistance from the document.
Bank of Baroda: key numbers
- Share price
- ₹235.26
- Market cap
- ₹1,21,661 Cr
- Revenue (annual)
- ₹1,34,298 Cr
- Net profit (annual)
- ₹19,846 Cr
- P/E (TTM)
- 6.7×Sector 22.0×
- Promoter holding
- 63.97%+0.00% QoQ
- FII holding
- 10.14%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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