Retail slippage increase
Retail slippages rose substantially in Q1, partly due to seasonal factors and subsidy-dependent assets, but could persist.
BANKBARODA / Q1-FY25 / risks
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Bank of Baroda · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
MSME asset quality concerns
MSME slippages remain elevated at ~4% run rate, though management says it has stabilized; any deterioration could impact credit cost.
Margin pressure from competitive pricing
Credit yield fell 25bps sequentially due to shedding of high-yield assets and competitive pricing, potentially pressuring NIM.