Systemic deposit constraints
Deposit growth is under pressure due to savers shifting to capital markets, leading to a downward revision in deposit guidance.
BANKBARODA / Q2-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
Elevated personal loan slippages
Personal loan slippages have increased to ~INR 250 crore per quarter from ~INR 100 crore earlier, though still small relative to total book.
International margin compression
International NIM declined to ~2% from 2.13-2.14% due to repricing in overseas markets, with further moderation expected.
Prudential provisioning impact on earnings
Higher prudential provisions (floating and standard asset) were taken this quarter, which could pressure earnings if sustained.