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Bank of Baroda investor meet summary

NSE: BANKBARODA · BSE: 532134

Investor meet of 7 May 2025, summarised by AI from the filing.

Bank of Baroda reports all-time high FY25 PAT of ₹19,581 cr and guides FY26 deposit growth at 9-11% and advances growth at 11-13%.

Key takeaways

  1. FY26 guidance Deposit growth 9-11%, advances growth 11-13%, may upsize if liquidity prevails.
  2. NIM change Q4 NIM declined to 2.86% from 2.94% in Q3 due to elevated deposit costs.
  3. Main risk NIM pressure to continue in Q1 FY26 due to lag in deposit repricing.

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

Figures from the company's filings with NSE and BSE. Not investment advice.