Margin compression from repricing of corporate loans
Repricing of corporate loans at lower rates and elevated wholesale funding costs could pressure NIMs, especially if deposit costs do not decline further.
BANKBARODA / Q3-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
LCR decline due to treasury operations
LCR dropped to 116% from 120% due to sale of investments; while management expects to rebuild, any delay could impact liquidity comfort.
ECL transition impact on capital
Transition to ECL norms could impact CRAR by ~60bps over five years and increase recurring credit cost by ~18bps, though management considers it manageable.
Bulk deposit reliance amid asset growth
Strong loan growth (15%) outpacing deposit growth (10%) may increase reliance on bulk deposits, potentially raising funding costs.