NIM compression from lagging deposit repricing
Deposit costs are slow to reprice downward, pressuring NIM in Q1 FY26 before expected recovery in H2.
BANKBARODA / Q4-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
MSME slippage uptick
MSME slippages increased by INR 300-500 crore in Q4, though management attributes it to legacy accounts and remains confident in overall asset quality.
International NIM decline
International NIM fell to 1.97% from over 2% due to repricing of assets in a lower rate environment, impacting global NIM given the large international book.
Pension amortization overhang
The bank continues to amortize pension liabilities (INR 290 crore remaining), unlike peers who have fully written off, creating a future earnings drag.