India · Delayed Price · Currency is INR Bank of Baroda Earnings Call Transcripts
Fiscal Year 2026
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Achieved record business and net profit growth in FY 2026, with strong advances and deposit growth, improved asset quality, and robust capital ratios. Guidance for FY 2027 is optimistic, with continued focus on margin management and prudent risk controls.
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Strong year-over-year growth in advances and deposits, robust asset quality, and consistent profitability were reported, with guidance maintained for credit growth, margins, and ROA. ECL transition and deposit repricing are being managed proactively.
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Strong year-over-year growth in advances and deposits, robust asset quality, and improved margins marked the quarter. Corporate loan growth is expected to accelerate in H2, with prudent capital and risk management supporting profitability.
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Advances grew 12.6% YoY, led by strong retail, agri, and MSME growth, while margins faced pressure from repo rate cuts. Asset quality remained robust, with GNPA at 2.28% and prudent provisioning for stressed accounts. Margin pressure is expected to ease in H2 FY26.
Fiscal Year 2025
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Achieved record profits and robust growth in advances and deposits, with strong asset quality and consistent shareholder returns. Margins face near-term pressure but are expected to recover, while focus remains on retail, MSME, and technology-driven growth.
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Business volume grew to INR 25.65 lakh crore with balanced 11.8% YoY growth in advances and deposits. Asset quality improved, NIM was 3.08%, and core fee income rose 12.6%. Guidance for growth and margins remains steady, with risks from deposit costs and minor retail GNPA uptick.
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Business volume surpassed INR 25 trillion with strong profit growth and improved asset quality. Deposit and advance growth guidance was recalibrated amid a challenging deposit market, while digital and ESG initiatives advanced.
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Advances and deposits grew 8.1% and 8.9% year-over-year, with strong retail momentum and improved asset quality. Profit after tax rose 9.5%, and the bank maintained robust capital and liquidity metrics while reducing bulk deposit reliance.