Systemic deposit constraints
Deposit growth is under pressure due to savers shifting to capital markets, leading to a downward revision in deposit guidance.
medium · management_commentary
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
Risk Intelligence
Material risks this quarter
Concise cards keep the risk register scannable while preserving evidence-level context in the underlying quarter data.
Risks
Elevated personal loan slippages
Personal loan slippages have increased to ~INR 250 crore per quarter from ~INR 100 crore earlier, though still small relative to total book.
low · analyst_questionInternational margin compression
International NIM declined to ~2% from 2.13-2.14% due to repricing in overseas markets, with further moderation expected.
medium · management_commentaryPrudential provisioning impact on earnings
Higher prudential provisions (floating and standard asset) were taken this quarter, which could pressure earnings if sustained.
low · data_observation