Treasury income volatility
Treasury profit declined ~50% YoY due to bond yield movements, and further rate cuts could impact operating profit.
BANKBARODA / Q2-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
medium
ECL transition impact on credit cost
Implementation of ECL framework could increase credit cost by 20-25 bps on a steady-state basis, though management sees manageable impact.
Corporate loan growth dependency on H2
With only 3% YoY corporate loan growth in H1, achieving 10-11% full-year guidance requires strong H2 pickup, which may be challenged by muted demand.
MCLR repricing risk on NIM
Further MCLR cuts could compress NIM if deposit costs do not moderate proportionately, though management expects range-bound NIM.