Bank of Baroda Q4 FY26 earnings call summary

Earnings call of 8 May 2026, summarised by AI from the filing.

Bank of Baroda posts highest ever FY26 net profit of ₹20,021 cr and raises FY27 loan growth guidance to 12-14%.

Key takeaways

1. Guidance raised FY27 loan growth guidance raised to 12-14% from 11-13%; deposit growth to 10-12% from 9-11%.
2. Floating provision ₹1,500 cr floating provision created from IT refund, raising Q4 credit cost to 0.76%.
3. Growth driver Retail book grew 17.9%, crossing ₹3 lakh cr; RAM focus continues.
4. Key risk Geopolitical headwinds could impact global and domestic books if sustained.

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)