Bank of Baroda — Q4 FY25
Bank of Baroda reported a stable Q4 FY25 with PAT of INR 5,048 crore, contributing to a record full-year PAT of INR 19,581 crore.
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.
Q3 FY25
Full-year NIM guidance revised to 3.00-3.10%
Management guided NIM for FY25 at 3.05% ± 5 bps (3.00-3.10%), with an upside bias due to potential rate cuts and improved liquidity.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY25
Deposit growth guidance maintained at 9-11%
Management reiterated deposit growth guidance of 9-11% for FY25, with continued focus on reducing bulk deposit dependency.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY25
Advance growth guidance maintained at 11-13%
Management reiterated advance growth guidance of 11-13% for FY25, with focus on RAM (retail, agri, MSME) segments.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY25
Credit cost guidance maintained below 0.75%
Management maintained credit cost guidance of less than 0.75% for FY25, despite 9M credit cost of 0.47%.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1