| Revenue growth | NII grew 9.5% YoY; advances grew 17.4%. |
|---|---|
| Margins | NIM at 2.77%; guided range 2.75% to 2.95%. |
| Demand visibility | Strong visibility in retail, agriculture, and MSME sectors. |
| Management confidence | Defensive regarding litigation but confident in core business engines. |
Growth
Global advances grew 17.4% YoY; domestic advances up 16.1%. Organic retail book grew 18.4%.
Outlook
Credit growth guided at 12-14% and deposit growth at 10-12% for the fiscal year.
Risks
One-time legacy litigation payout of ₹5,680 crore; potential credit cost increase from ECL migration.
Last quarter's promises, checked
Delivered
- Loan growth 11-13% → delivered 16.2% (= BEAT)
- ROA > 1% → delivered 1.06% (= BEAT)
- NIM 2.75-2.95% → delivered 2.89% (= BEAT)
Partly delivered
- Deposit growth 9-11% → delivered 12% (= BEAT on volume, but missed on cost mix)
Missed
- Net Profit peak growth → delivered USD 600m litigation loss (= MISS)
Earnings Call Transcript 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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