Bank of Baroda Q4 FY25 earnings call summary

Earnings call of 6 May 2025, summarised by AI from the filing.

NIM to operate around 3% in FY26; full guidance after June.

Key takeaways

1. Guidance NIM to operate around 3% in FY26; full guidance after June.
2. Asset quality Gross NPA down to 2.26% from 2.92%, lowest in 13 years.
3. Margin pressure NIM pressure expected in Q1 and Q2 due to deposit repricing lag.

Original filing on BSE

Bank of Baroda Q1 FY27 results

As filed: Revenue ₹35,115 cr, EBITDA −₹3,997 cr, PAT ₹1,573 cr, EBITDA margin -11.4%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹34,514 cr, EBITDA ₹582 cr, PAT ₹5,648 cr, EBITDA margin 1.7%. Not scored. Bank result format: not scored yet. Share price after the results: −0.1% in 28 days (Nifty 500: −2.8%).
• Q3 FY26: Revenue ₹33,600 cr, EBITDA ₹624 cr, PAT ₹5,407 cr, EBITDA margin 1.9%. Not scored. Bank result format: not scored yet. Share price after the results: +15.1% in 28 days (Nifty 500: +0.4%).
• Q2 FY26: Revenue ₹33,318 cr, EBITDA ₹1,579 cr, PAT ₹5,070 cr, EBITDA margin 4.7%. Not scored. Bank result format: not scored yet. Share price after the results: +4.1% in 28 days (Nifty 500: +0.9%).
• Q1 FY26: Revenue ₹32,866 cr, EBITDA −₹368 cr, PAT ₹3,352 cr, EBITDA margin -1.1%. Not scored. Bank result format: not scored yet. Share price after the results: −1.3% in 28 days (Nifty 500: −0.1%).
• Q4 FY25: Revenue ₹32,345 cr, EBITDA −₹640 cr, PAT ₹5,307 cr, EBITDA margin -2.0%. Not scored. Bank result format: not scored yet. Share price after the results: +0.6% in 30 days (Nifty 500: +3.3%).
• Q3 FY25: Revenue ₹32,570 cr, EBITDA ₹1,772 cr, PAT ₹5,117 cr, EBITDA margin 5.4%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹31,887 cr, EBITDA −₹134 cr, PAT ₹5,455 cr, EBITDA margin -0.4%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Bank of Baroda earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (24 Jul 2026), Results deck (24 Jul 2026)
• Q4 FY26: Earnings call (8 May 2026), Results deck (8 May 2026), Results deck (20 Jun 2026)
• Q3 FY26: Earnings call (30 Jan 2026), Results deck (30 Jan 2026)
• Q2 FY26: Earnings call (31 Oct 2025), Results deck (31 Oct 2025)
• Q1 FY26: Earnings call (25 Jul 2025), Results deck (25 Jul 2025)
• Q4 FY25: Earnings call (6 May 2025), Results deck (6 May 2025)
• Other events: Investor meet (7 May 2025)