| Revenue growth | NII +9.0%; total interest income +11.3% |
|---|---|
| Margins | Global NIM 2.74% vs 2.96% YoY; domestic 2.89% |
| Demand visibility | Retail advances +18.6%; gold loans +66.6% |
Growth
NII +9.0% to ₹13,026 cr; non-interest income +95.8% to ₹6,881 cr. Retail advances +18.6%.
Outlook
No explicit forward guidance given. Earnings quality depends on treasury gains and retail credit growth.
Risks
Domestic CASA fell 205 bps to 36.37%. Global NIM slipped to 2.74% from 2.96%. H1 PAT down 16.5%.
Last quarter's promises, checked
Delivered
- Guided loan growth 12–14% → delivered global advances +18.3% (= BEAT)
- Guided deposit growth 10–12% → delivered total deposits +16.4% (= BEAT)
- Guided credit cost <0.60% → delivered 0.55% (= BEAT)
Missed
- Guided global NIM 2.75–2.95% → delivered 2.74% (= MISS)
Investor Presentation filed with BSE, NSE: BANKBARODA. Summary written with AI assistance from the document.
Bank of Baroda: key numbers
- Share price
- ₹238.60
- Market cap
- ₹1,23,389 Cr
- Revenue (annual)
- ₹1,34,298 Cr
- Net profit (annual)
- ₹19,846 Cr
- P/E (TTM)
- 6.8×Sector 19.1×
- Promoter holding
- 63.97%+0.00% QoQ
- FII holding
- 10.29%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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- Key figure
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