Sticky deposit costs pressuring NIM
Cost of deposits likely to remain elevated due to tight liquidity, limiting margin expansion.
BANKOFBARODA / 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
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.