Bank of Baroda — Q2 FY25
Bank of Baroda reported a strong Q2 FY25 with PAT crossing INR 5,000 crore for the first time, growing 23.2% YoY.
bullish
high
✓ 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.
Q1 FY25
Loan growth 12-14% for FY25
Management reiterated loan growth guidance of 12-14% for FY25, with strong pipeline in corporate and retail segments.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q1 FY25
Deposit growth 10-12% for FY25
Deposit growth guidance of 10-12% for FY25, with focus on retail deposits and CASA improvement.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q1 FY25
NIM guidance 3.15% ± 5bps
Net interest margin guidance maintained at 3.15% ± 5bps for FY25, supported by liability management.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q1 FY25
Credit cost below 0.75% for FY25
Credit cost guidance improved to below 0.75% for FY25, factoring in potential ECL impact.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1