Elevated CD ratio and tight liquidity
CD ratio at 84.24% and tight liquidity conditions could pressure margins if deposit costs remain high.
BANKBARODA / Q3-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
Rising personal loan NPAs
Personal loan GNPA rose to 3.9% from 3.16% QoQ, though management downplayed it as small in absolute terms.
Potential regulatory changes in gold loans
RBI discussions on collateral-free agri loans and stricter gold loan norms could impact business, but management declined to comment.
Margin pressure from one-off recovery normalization
Q2 had a one-off recovery of ~₹350 crore boosting interest income; its absence in Q3 contributed to margin decline.