[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

![nimeshscnbc Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::4687762273.png) Nimesh Shah [@nimeshscnbc](/creator/twitter/nimeshscnbc) on x 68.5K followers
Created: 2025-07-28 02:06:18 UTC

CITI on BK of Baroda
Buy, TP Rs XXX
1Q PAT at Rs45.4bn was in line with CitiE.
Only 7bps NIM decline and Rs18.8bn of treasury gains neutralized higher credit cost at 66bps & modest fee growth
Expect FY26 NIMs to settle near 1Q level & build higher credit at 0.6-0.7% over FY26-27E


XXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1949652605539377538/c:line.svg)

[Post Link](https://x.com/nimeshscnbc/status/1949652605539377538)