[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.]  SBI Securities [@_sbisecurities](/creator/twitter/_sbisecurities) on x 11.8K followers Created: 2025-07-28 03:23:34 UTC Bank of Baroda (CMP: Rs XXX | M-Cap: Rs 1,25,897 cr) 1QFY26 Result Update Financial Overview 🔹️NII declined X% YoY and QoQ each to Rs XXXXXX cr. PPOP grew XX% YoY and X% QoQ to Rs XXXXX cr. 🔹️PAT stood at Rs XXXXX cr, growing X% YoY and declining XX% QoQ on account of higher provisions. 🔹️Global Advances/ Global Deposit grew 13%/9% YoY and decline 2%/3% QoQ to Rs 12,07,056 cr/ Rs 14,35,634 cr, respectively. CASA ratio stood at XX% vs XX% on a YoY basis. 🔹️GNPA/NNPA stood at 2.3%/0.6% vs 2.9%/0.7% on a YoY basis. PCR stood at XXXX% as of quarter end. 🔹️Slippage ratio increased to XXX% (vs XXX% in 1QFY25 and XXX% in 4QFY25). 🔹️NIM declined by XX bps/ X bps YoY/QoQ to 2.9%. 🔹️RoA/RoE for the quarter stood at 1.0%/15.1% vs 1.1%/17.5% on a YoY basis. Key Concall Takeaways 🔹️Advances growth was propelled by the RAM (Retail, Agri, MSME) segment, growing XX% YoY. RAM segment (% of total loan book) stands at XX% vs XX% in 1QFY25, aided by tepid corporate credit growth. Management expect RAM segment to grow to 64%-65% of the total loan book in next three years. 🔹️Corporate credit growth remained moderate at X% YoY. Corporate credit growth continues to be a laggard mainly on account of deleveraging of balance sheet from the corporates and competitive rates from alternative funding sources. Bank expects corporate credit growth to revive gradually resulting in 9%-10% YoY growth in FY26. 🔹️Deposit growth declined sequentially due to reduction in bulk deposits by XXXXXX cr. Bank aims to focus on stable and granular retail deposit. 🔹️Margin compression amid the easing rate cycle was partially offset by reclassification of interest on income tax refund. Management anticipates continued pressure on NIM and NII in 2Q with gradual recovery from 3QFY26 onwards. NIM for the fiscal year is guided to be in the range of 2.85%-3.00%, barring any further rate cuts by the RBI. 🔹️Slippages during the quarter was elevated primarily due to an international account and few legacy accounts in the personal loan segment. The international account would go into legal resolution and a verdict is expected within XXX days. The bank has XXX% guarantee against the account and expect full recovery. Bank has taken prudential provisions of XX% for the account and has not observed stress in any other international account. 🔹️Bank expect recovery (including TWO recovery) at Rs XXXXXX cr for the fiscal year. Disclaimer :  XXX engagements  **Related Topics** [mcap](/topic/mcap) [rs](/topic/rs) [bank of](/topic/bank-of) [Post Link](https://x.com/_sbisecurities/status/1949672048269144071)
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SBI Securities @_sbisecurities on x 11.8K followers
Created: 2025-07-28 03:23:34 UTC
Bank of Baroda
(CMP: Rs XXX | M-Cap: Rs 1,25,897 cr)
1QFY26 Result Update
Financial Overview 🔹️NII declined X% YoY and QoQ each to Rs XXXXXX cr. PPOP grew XX% YoY and X% QoQ to Rs XXXXX cr. 🔹️PAT stood at Rs XXXXX cr, growing X% YoY and declining XX% QoQ on account of higher provisions. 🔹️Global Advances/ Global Deposit grew 13%/9% YoY and decline 2%/3% QoQ to Rs 12,07,056 cr/ Rs 14,35,634 cr, respectively. CASA ratio stood at XX% vs XX% on a YoY basis. 🔹️GNPA/NNPA stood at 2.3%/0.6% vs 2.9%/0.7% on a YoY basis. PCR stood at XXXX% as of quarter end. 🔹️Slippage ratio increased to XXX% (vs XXX% in 1QFY25 and XXX% in 4QFY25). 🔹️NIM declined by XX bps/ X bps YoY/QoQ to 2.9%. 🔹️RoA/RoE for the quarter stood at 1.0%/15.1% vs 1.1%/17.5% on a YoY basis.
Key Concall Takeaways 🔹️Advances growth was propelled by the RAM (Retail, Agri, MSME) segment, growing XX% YoY. RAM segment (% of total loan book) stands at XX% vs XX% in 1QFY25, aided by tepid corporate credit growth. Management expect RAM segment to grow to 64%-65% of the total loan book in next three years. 🔹️Corporate credit growth remained moderate at X% YoY. Corporate credit growth continues to be a laggard mainly on account of deleveraging of balance sheet from the corporates and competitive rates from alternative funding sources. Bank expects corporate credit growth to revive gradually resulting in 9%-10% YoY growth in FY26. 🔹️Deposit growth declined sequentially due to reduction in bulk deposits by XXXXXX cr. Bank aims to focus on stable and granular retail deposit. 🔹️Margin compression amid the easing rate cycle was partially offset by reclassification of interest on income tax refund. Management anticipates continued pressure on NIM and NII in 2Q with gradual recovery from 3QFY26 onwards. NIM for the fiscal year is guided to be in the range of 2.85%-3.00%, barring any further rate cuts by the RBI. 🔹️Slippages during the quarter was elevated primarily due to an international account and few legacy accounts in the personal loan segment. The international account would go into legal resolution and a verdict is expected within XXX days. The bank has XXX% guarantee against the account and expect full recovery. Bank has taken prudential provisions of XX% for the account and has not observed stress in any other international account. 🔹️Bank expect recovery (including TWO recovery) at Rs XXXXXX cr for the fiscal year.
Disclaimer :
XXX engagements
