Sticky deposit costs pressuring NIMs
Management expects cost of deposits to remain elevated in Q1 FY27 due to tight liquidity, limiting NIM improvement.
medium · management_commentaryBank 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
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
Middle East overseas book asset quality
Exposure of INR 50,000-60,000 crore in Middle East retail operations may face stress due to geopolitical tensions; management is watchful.
medium · analyst_questionECL implementation impact uncertain
Management declined to quantify the impact of final ECL guidelines, though earlier draft suggested ~18bps credit cost increase.
medium · analyst_questionVolatility in IT refund income
Interest on IT refund, which contributes to NIM, is volatile and may not sustain at current levels, though management accounts for it in guidance.
low · analyst_question