Bank of Baroda Ltd — Q4 FY26
Bank of Baroda reported a strong Q4 FY26 with net profit of ₹5,616 crore (up 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 11-13% with upside to exceed 13% for FY26
Management expects full-year loan growth to be in the 11-13% range, with upside potential to exceed 13% given current momentum.
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 maintained at 2.85-3% for FY26
Net interest margin for the full year is expected to remain in the 2.85-3% band, with Q4 exit likely 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 to below 0.60%
Credit cost for FY26 is now expected to be below 0.60%, down from earlier guidance of below 0.75%, reflecting sustained low slippages.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
RoA to remain above 1%
Return on assets is guided to stay above 1% for the full year, consistent with 14 consecutive quarters of >1% RoA.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1