Bank of Baroda — Q4 FY26
Bank of Baroda reported a strong Q4 FY26 with net profit of INR 5,616 crore (+11.2% YoY), the highest ever quarterly profit.
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.
Q3 FY26
Advances growth guidance of 11-13% with upside
Management maintained advances growth guidance of 11-13% for FY26, with an upside to exceed 13% given current strong performance.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
Deposit growth guidance of 9-11%
Management guided for deposit growth of 9-11% for FY26, with domestic deposits growing at 11.1% in Q3.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
NIM guidance of 2.85-3% for FY26
Full-year NIM guidance maintained at 2.85-3%, with Q3 NIM at 2.78% and expectation of Q4 exit above 2.85%.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
Credit cost guidance revised downward to below 0.60%
Credit cost guidance revised from below 0.75% to below 0.60% for FY26, reflecting sustained low credit costs.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1