Retail slippage increase
Retail slippages rose substantially in Q1, partly due to seasonal factors and subsidy-dependent assets, but could persist.
medium · analyst_question
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.
neutral
medium
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Risk Intelligence
Material risks this quarter
Concise cards keep the risk register scannable while preserving evidence-level context in the underlying quarter data.
Risks
MSME asset quality concerns
MSME slippages remain elevated at ~4% run rate, though management says it has stabilized; any deterioration could impact credit cost.
medium · analyst_questionMargin pressure from competitive pricing
Credit yield fell 25bps sequentially due to shedding of high-yield assets and competitive pricing, potentially pressuring NIM.
medium · data_observation