Sticky deposit costs pressuring NIM
Cost of deposits likely to remain elevated due to tight liquidity, limiting margin expansion.
BANKOFBARODA / bear-case history
Track the concerns that keep returning.
Bank of Baroda · risk themes across the available quarters.
Research layer active
Bear-case history
Risks carried through the record.
medium
Geopolitical impact on overseas book
Middle East exposure (~₹50-60k cr) and trade disruptions could stress asset quality, though currently benign.
ECL implementation uncertainty
Final guidelines may increase credit cost; management declined to quantify impact until full computation.
Aggressive auto loan growth risks
Long-tenor auto loans at competitive rates may face depreciation risk, though current stress is low.