ALFA Finder| 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
- ₹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.
More from Bank of Baroda
All →Bank of Baroda Other Announcement
Bank of Baroda intimated that its RTA, KFin Technologies, is shifting its corporate office to a new Kokapet, Hyderabad address effective 1 December 2026. The registered office remains unchanged.
Bank of Baroda Earnings Call Transcript: Key Takeaways
Q2 FY27 PAT ₹6,532 Cr (+38.8% YoY) includes ₹349 Cr NSE-stake gain and is cushioned by ₹1,300 Cr NPA and ₹300 Cr contingency provisions. Growth is flattered by FCNRB inflows.
Bank of Baroda Annual General Meeting
Bank of Baroda will hold an EGM on 21 December 2026 to elect one shareholder director. The cut-off date for shareholders is 20 November 2026.
Bank of Baroda Investor Presentation: Key Takeaways
Q2FY27 PAT ₹6,532 cr (+35.8% YoY) and operating profit ₹11,430 cr (+50.9%), lifted by ₹4,093 cr treasury income. Global advances +18.3%, deposits +16.4%.
Bank of Baroda Q2 FY27 Results: Net Profit ₹6,737 Cr, Up 31.2% YoY
Bank of Baroda reported revenue from operations of ₹37,021 Cr (+11.1% YoY) and net profit of ₹6,737 Cr (+31.2% YoY) for Q2 FY27.
- Key figure
- Net profit ₹6,737 Cr · +31.2% YoY
Bank of Baroda Legal & Regulatory
Bank of Baroda clarified media-reported interim applications filed by Dr. BR Shetty in the Bombay High Court. The bank says it has not been served and calls the allegations untested.