Sticky deposit costs pressuring NIMs
Management expects cost of deposits to remain elevated in Q1 FY27 due to tight liquidity, limiting NIM improvement.
BANKBARODA / Q4-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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Risk intelligence
Material risks this quarter
medium
Middle East overseas book asset quality
Exposure of INR 50,000-60,000 crore in Middle East retail operations may face stress due to geopolitical tensions; management is watchful.
ECL implementation impact uncertain
Management declined to quantify the impact of final ECL guidelines, though earlier draft suggested ~18bps credit cost increase.
Volatility in IT refund income
Interest on IT refund, which contributes to NIM, is volatile and may not sustain at current levels, though management accounts for it in guidance.