Bank of Baroda · Analyst questions, management answers, and the quality of the response where the ledger is available.
ConCallIQ research layer
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Questions audited
10
Answered directly
85%
Numeric claims
1
Consistency
consistent
Question ledger
Rikin Shah · IIFL Capital Service
directSo if you exclude the institution piece out of the corporate book, the core corporate has grown by 12%. So I mean, the corporate growth metrics are intact. ... We intend to operate between a band of 80-82%, and slightly the bias would be towards 80%.
Rikin Shah · IIFL Capital Service
directSo in fact, the international investment yield has largely impacted because of the yield movement there. ... In domestic also, you rightly picked up, slightly it has been aided by the new investment valuation norms or classification norms, I would say, with the RBI.
Ashok Ajmera · Ajcon Global Services
directActually, the issue is where you have gained. Even if there is a lower other income and non-interest income, how the profit has been so strong? ... the family silver, Ajmera sir, we kept it with the book, not otherwise, leading to a position wherein I have strengthened the structural balance sheet.
Ashok Ajmera · Ajcon Global Services
evasiveSo on the operating profit scale, normally we don't give a guidance on the operating profit, but clearly what is important to me on the net profit and the ROA guidance. So we continue to hold that ROA. This time also it is 1.13, and we said last time that we need to maintain 1.10.
Kunal Shah · CRED
partialMSME, asset quality for last four quarters has fairly stabilized. ... PL side, in fact, is not increased. In fact, our PL is mostly to the service class individuals. So there is no challenge on the slippage side in the PL.
Kunal Shah · CRED
directOn the ROA, we are fairly confident. ... This quarter, we'll try to catch up whatever shortfall of the last quarter. ... Margin guidance is 3.15 plus minus 5 basis points, right? So that is what something, and we'll work on the growth side definitely this quarter.
Mahrukh Adajania · Nuvama Institutional Equities
directIf I look into the composition of this retail book, there is one group asset which has a dependency on the subsidy, and that has gone bad, actually. ... Gold Loan base of me and many of the peer banks, our base is low. ... retail gold gives a slightly higher margin as compared to the agri gold.
Mahrukh Adajania · Nuvama Institutional Equities
directSo actually, there are two scenarios. This time, credit cost is 0.47, and anything below 0.5 is a good number. ... we are giving is credit cost guidance of below 0.75, right? Earlier, it was 1. So why this guidance higher than the current level is precisely to factor in any ECL impact there.
Speaker 10 · Research desk
directSo in fact, sir, we have brought down our borrowings against the excess SLR. That is one point. The second point is that in terms of raising the fresh liabilities, which has the lower runoffs, that has also one contributing factor to the increase in LCR quarter on quarter.
Speaker 11 · Research desk
directWe want to grow at a CAGR of almost 13.5% for next five years. ... intend to maintain ROE in excess of 15, 16%. I think that's a fair return on the equity that we can think of.
Speaker 12 · Research desk
directSo precisely, it is related to our strategy of shedding the fine priced assets as when they came up for the repricing or at the time of maturity, we did not went further to onboard them.
Speaker 12 · Research desk
directThere was a specific account in which we got revaluation again and a specific account, NPA account. That's the reason. ... On the NPA investment, there is a write back because of increase in market value.
