Bank of Baroda Management Guidance Tracker
8 forward-looking guidance items tracked across 2 quarters.
Growth
Q3 FY26Advances growth 11-13% with upside to exceed 13% for FY26Active
Management expects full-year loan growth to be in the 11-13% range, with upside potential to exceed 13% given current momentum.
Q4 FY26Loan growth guidance raised to 12-14% for FY27ActiveUpsized from earlier 11-13% due to strong performance, subject to global headwinds.
Q4 FY26Deposit growth guidance raised to 10-12% for FY27ActiveUpsized from 9-11% reflecting improved deposit mobilization.
Margins
Q3 FY26NIM guidance maintained at 2.85-3% for FY26Active
Net interest margin for the full year is expected to remain in the 2.85-3% band, with Q4 exit likely above 2.85%.
Q3 FY26Credit cost guidance revised to below 0.60%ActiveCredit cost for FY26 is now expected to be below 0.60%, down from earlier guidance of below 0.75%, reflecting sustained low slippages.
Q4 FY26NIM guidance of 2.75-2.95% for FY27TrackedConservative range accounting for sticky deposit costs and volatile IT refunds.