Sticky deposit costs pressuring NIM
Cost of deposits likely to remain elevated due to tight liquidity, limiting margin expansion.
medium · management_commentary
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
Risk Intelligence
Material risks this quarter
Concise cards keep the risk register scannable while preserving evidence-level context in the underlying quarter data.
Risks
Geopolitical impact on overseas book
Middle East exposure (~₹50-60k cr) and trade disruptions could stress asset quality, though currently benign.
medium · analyst_questionECL implementation uncertainty
Final guidelines may increase credit cost; management declined to quantify impact until full computation.
medium · analyst_questionAggressive auto loan growth risks
Long-tenor auto loans at competitive rates may face depreciation risk, though current stress is low.
low · analyst_question