NIM compression from lagging deposit repricing
Deposit costs are slow to reprice downward, pressuring NIM in Q1 FY26 before expected recovery in H2.
medium · management_commentaryBank 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
Financial stats pending filing verification
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 slippage uptick
MSME slippages increased by INR 300-500 crore in Q4, though management attributes it to legacy accounts and remains confident in overall asset quality.
medium · analyst_questionInternational NIM decline
International NIM fell to 1.97% from over 2% due to repricing of assets in a lower rate environment, impacting global NIM given the large international book.
medium · management_commentaryPension amortization overhang
The bank continues to amortize pension liabilities (INR 290 crore remaining), unlike peers who have fully written off, creating a future earnings drag.
low · analyst_question