BANKBARODA / Q1-FY26 / claim-ledger

Audit the questions that mattered.

Bank of Baroda · Analyst questions, management answers, and the quality of the response where the ledger is available.

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WatchQ1-FY26 · 2025-07-15Back to quarter ↗

Questions audited

Answered directly

59%

Numeric claims

Consistency

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Question ledger

What was answered, and how?

Vikrant Shah · Research desk

evasive

Why is fee income soft and can it accelerate?

On the fee side, yes, it's slightly soft as far as the growth is concerned. The bank is clearly focusing on the fee side... I cannot give you a number here, but then clearly the management is working to improve the fee side of the income.

Vikrant Shah · Research desk

partial

What is the margin trajectory from 2.91%?

On the margin guidance... the NIM would be 2.81% as compared to 2.91% that we are showing... Going forward, the next quarter will still be under pressure... On a full-year basis, we are giving a guidance of 2.85%-3%.

Vikrant Shah · Research desk

evasive

Can 1% ROA be sustained without trading gains?

In spite of the fact that whatever says, our full-year guidance when we say ROA, it is always full-year guidance... I think we'll be in a position to maintain next quarter also.

Vikrant Shah · Research desk

direct

What is loan book mix by benchmark and repo pass-through?

Your BRLR book is almost 35%. Your MCLR book is 45%, fixed is 6%, TVL is 7%, and the GSEC is 6%... on the retail side, full benefit has been passed on.

Ashok Ajmera · Ajcon Global

declined

What are absolute SMA1 and SMA2 numbers?

We only give as a percentage we are giving. If possible, then I'll share the data... On the number side, I'll let you know in case there's a publish we have published earlier.

Ashok Ajmera · Ajcon Global

direct

Will the international account with 40% provision be resolved?

Yes, absolutely right... there can be a resolution within 200 days, and if that happens, obviously this 40% would be reversed after that.

Ashok Ajmera · Ajcon Global

direct

What is the recovery outlook for written-off accounts?

Yeah, it would be better... our average run rate on the recovery TWO without any one-off is roughly around INR 750 crore per quarter.

Kunal Shah · CRED

partial

What is the rationale for higher standard asset provisioning?

A couple of accounts where there is an inherent weakness, which as per the auditors, they think that we need to slightly be more prudent on that... we have provided slightly more.

Kunal Shah · CRED

direct

Is there risk of further stress in international book?

No, absolutely not, actually... There is no stress in any other account... I do not see any challenge on the international front.

Bhavik Shah · Research desk

direct

Why is L2 maturity book down 4% QoQ?

In fact, you said you picked it rightly. We took the advantage of OMOs and earned good profit also.

Sushil Choksi · Research desk

direct

How many repo cuts are expected and 10-year G-Sec outlook?

Our house view is that we are expecting a further 25 bps cut. But the expectation is more towards the end of the calendar year rather than immediately.

Jay Mundra · Research desk

partial

How will domestic yields behave after 50 bps rate cut?

On a full year guidance, we are thinking somewhere around 2.85%-3% will be in a position to maintain on a full year basis. Saying that the Q2 can be something we need to watch it out.