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Retail slippage increase
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Bank of Baroda — Q1 FY25
Bank of Baroda reported a 9.5% YoY PAT growth to INR 4,450 crore for Q1 FY25, driven by stable margins and lower credit costs.
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Bank of Baroda reported a 9.5% YoY PAT growth to INR 4,450 crore for Q1 FY25, driven by stable margins and lower credit costs. However, loan growth was muted at 8.1% YoY due to a strategic reduction in bulk deposits (down INR 24,000 crore) to protect margins and improve liquidity. NIM stood at 3.18%, within guidance, while asset quality improved with GNPA at 2.88% (down 63bps YoY). Management reiterated full-year guidance of 12-14% loan growth and 10-12% deposit growth, with a strong corporate pipeline. Key risks include elevated slippages in retail and MSME segments and potential margin pressure from competitive pricing.
बैंक ऑफ बड़ौदा ने पहली तिमाही में 9.5% ज्यादा मुनाफा कमाया, जो 4,450 करोड़ रुपये रहा। यह ब्याज दरों में स्थिरता और कम लोन डिफॉल्ट की वजह से हुआ। लेकिन लोन देने में बढ़ोतरी सिर्फ 8.1% रही, क्योंकि बैंक ने बड़ी जमाओं (बल्क डिपॉजिट) में 24,000 करोड़ रुपये कम किए, ताकि मुनाफा बचा रहे और नकदी मजबूत रहे। ब्याज आय का मार्जिन 3.18% रहा, जो अनुमान के मुताबिक है। खराब लोन (GNPA) घटकर 2.88% हो गया, जो पिछले साल से 0.63% कम है। बैंक ने पूरे साल 12-14% लोन और 10-12% जमा बढ़ोतरी का लक्ष्य रखा है। लेकिन छोटे कर्ज (रिटेल) और छोटे व्यापारियों (MSME) में डिफॉल्ट बढ़ने का खतरा है, साथ ही प्रतिस्पर्धा से मार्जिन पर दबाव पड़ सकता है।
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CASA Ratio
40.62%
+6% YoY
CASA grew 6% YoY, maintaining a ratio above 40%, better than peers.
Gross NPA
2.88%
-63bps YoY
GNPA improved 63bps YoY to 2.88%, reflecting strong asset quality.
Slippage Ratio
1.05%
Flat YoY
Slippage ratio at 1.05% within guidance of 1-1.25%, stable YoY.
Credit Cost
0.47%
-23bps YoY
Credit cost improved to 0.47% from 0.70% YoY, below guidance of <0.75%.
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Guidance and risk preview
Management reiterated loan growth guidance of 12-14% for FY25, with strong pipeline in corporate and retail segments.
Retail slippages rose substantially in Q1, partly due to seasonal factors and subsidy-dependent assets, but could persist.
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