Bank of Baroda — Q1 FY26
Bank of Baroda reported Q1 FY26 net profit of INR 4,541 crore (+1.9% YoY) and operating profit of INR 8,236 crore (+15% YoY).
neutral
medium
✓ Verified against BSE filing
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q2 FY25
Deposit growth guidance revised to 9-11% for FY25
Management lowered deposit growth guidance from 10-12% to 9-11%, citing systemic deposit constraints, but aims to operate at the upper end of 11%.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q2 FY25
Loan growth guidance revised to 11-13% for FY25
Advances growth guidance reduced from 12-14% to 11-13%, with a target to operate at 13%, driven by domestic growth and moderation in international book.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q2 FY25
NIM guidance maintained at 3.15% ±5 bps
Net interest margin guidance remains unchanged at 3.15% plus/minus 5 basis points, supported by ALM management and expected moderation in deposit costs.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q2 FY25
Credit cost guidance maintained below 0.75%
Credit cost guidance remains below 0.75%, with slippage ratio guided at 1-1.25% and ROA above 1% (target 1.10%).
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1