Further NIM compression from asset repricing
With 50bps repo rate cut in June, full impact on EBLR-linked loans will be felt in Q2, potentially pressuring NIM further.
BANKBARODA / Q1-FY26 / 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
high
International account slippage and resolution uncertainty
A large international account slipped to NPA; resolution under CNC process may take 210 days, with 40% provision already made.
Potential stress in personal loan and MSME portfolios
Analyst raised concern about rising slippages in personal loan and MSME; management acknowledged marginal increase but downplayed risk.
Dependence on treasury gains for ROA above 1%
Analyst noted that ROA of 1.03% included substantial treasury gains; without them, maintaining 1% ROA may be challenging.