Bank of Baroda
BANKBARODAFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
11 transcript(s)/analyst meet(s) served; 1 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 11 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| UNRESOLVED | 20241026 | unresolved | no | |
| ANALYST_MEET | 20220521 | 2022-03-31 | yes | |
| ANALYST_MEET | 20230209 | 2022-03-31 | yes | |
| ANALYST_MEET | 20230522 | 2022-03-31 | yes | |
| ANALYST_MEET | 20220810 | 2022-06-30 | yes | |
| TRANSCRIPT | 20221111 | 2022-09-30 | yes | |
| ANALYST_MEET | 20230811 | 2023-03-31 | yes | |
| ANALYST_MEET | 20231109 | 2023-09-30 | yes | |
| ANALYST_MEET | 20240805 | 2024-06-30 | yes | |
| ANALYST_MEET | 20250730 | 2024-06-30 | yes | |
| ANALYST_MEET | 20260514 | 2025-03-31 | yes | |
| ANALYST_MEET | 20260730 | 2025-06-30 | yes | |
| ANALYST_MEET | 20251104 | 2025-09-30 | yes |
BANKBARODA
files the banking form. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | banking |
| Scope served | consolidated |
| Panels on this page | 5 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 234.30 |
| 52-week range | 232.3 – 324.45 |
| Return 1M | -2.78% |
| Return 3M | -16.07% |
| Return 1Y | -7.89% |
| Return 3Y | 7.77% |
| Return 5Y | 200.96% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Interest earned | 35,115.00 |
| Interest on advances and bills | 26,400.00 |
| Income on investments | 7,552.00 |
| Interest on balances with the RBI and interbank funds | 707.00 |
| Other interest | 456.00 |
| Interest expended | 21,301.00 |
| Other income | 6,202.00 |
| Total income | 41,317.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | 0.64 | 0.00 |
| institutions foreign | 0.10 | 0.00 |
| institutions domestic | 0.18 | -0.01 |
| mutual funds | 0.10 | -0.01 |
| public | 0.36 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| ANALYST_MEET | 2025-09-30 | 11 |
| TRANSCRIPT | 2022-09-30 | 1 |
| UNRESOLVED | nan | 1 |
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Cash flow, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -28,294.00 | 5,528.00 | -6,274.00 | 1,505.00 | 34,892.00 | 4,384.00 | 33,426.00 |
| Net cash from investing activities | -316.00 | -711.00 | -1,285.00 | -618.00 | -6,494.00 | -2,301.00 | -3,275.00 |
| Net cash from financing activities | -5,642.00 | -3,298.00 | 5,476.00 | 3,146.00 | 3,790.00 | -7,172.00 | -1,806.00 |
| Purchase of property, plant and equipment | 525.00 | 547.00 | 1,355.00 | 578.00 | 6,332.00 | 870.00 | 1,816.00 |
| Net increase in cash | -34,251.00 | 1,518.00 | -2,084.00 | 4,033.00 | 32,188.00 | -5,090.00 | 28,345.00 |
| con:CFO.BEFORE_TAX | -27,479.00 | 8,339.00 | 2,030.00 | 4,220.00 | 44,520.00 | 8,320.00 | 38,272.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 815.00 | 2,811.00 | 8,303.00 | 2,715.00 | 9,628.00 | 3,937.00 | 4,846.00 |
| con:CF_OTHER.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_PURCHASED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_SOLD | 80.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 130.00 | 79.00 | 477.00 | 216.00 | 420.00 | 209.00 | 301.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Quarterly results, as filed
| Line | 2022-09-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 22,344.00 | 29,263.00 | 30,042.00 | 31,072.00 | 31,143.00 | 31,887.00 | 32,570.00 | 32,345.00 | 32,866.00 | 33,318.00 | 33,600.00 | 34,514.00 | 35,115.00 |
| Interest on advances and bills | 15,247.00 | 21,454.00 | 22,386.00 | 23,390.00 | 23,362.00 | 23,813.00 | 24,574.00 | 24,357.00 | 24,470.00 | 24,353.00 | 24,930.00 | 25,643.00 | 26,400.00 |
| Income on investments | 6,088.00 | 6,985.00 | 7,037.00 | 7,024.00 | 7,228.00 | 7,114.00 | 7,656.00 | 7,287.00 | 7,223.00 | 7,284.00 | 7,191.00 | 7,075.00 | 7,552.00 |
| Interest on balances with the RBI and interbank funds | 356.00 | 569.00 | 468.00 | 411.00 | 401.00 | 733.00 | 229.00 | 619.00 | 659.00 | 757.00 | 703.00 | 632.00 | 707.00 |
| Other interest | 653.00 | 254.00 | 150.00 | 247.00 | 152.00 | 227.00 | 110.00 | 82.00 | 515.00 | 924.00 | 775.00 | 1,163.00 | 456.00 |
| Interest expended | 11,495.00 | 17,528.00 | 18,002.00 | 18,309.00 | 18,582.00 | 19,266.00 | 20,143.00 | 20,273.00 | 20,307.00 | 20,191.00 | 20,586.00 | 20,776.00 | 21,301.00 |
| Other income | 3,977.00 | 6,503.00 | 5,042.00 | 6,538.00 | 4,658.00 | 7,568.00 | 5,163.00 | 7,551.00 | 5,538.00 | 5,116.00 | 6,399.00 | 5,474.00 | 6,202.00 |
| Total income | 26,320.00 | 35,766.00 | 35,084.00 | 37,611.00 | 35,801.00 | 39,455.00 | 37,732.00 | 39,896.00 | 38,404.00 | 38,434.00 | 39,999.00 | 39,988.00 | 41,317.00 |
| Employee benefit expense | 3,414.00 | 3,973.00 | 4,100.00 | 4,864.00 | 4,304.00 | 4,352.00 | 4,521.00 | 4,733.00 | 4,672.00 | 4,412.00 | 4,489.00 | 3,636.00 | 4,611.00 |
| Operating expenses | 7,891.00 | 8,430.00 | 8,653.00 | 9,491.00 | 8,437.00 | 8,982.00 | 9,158.00 | 10,144.00 | 9,512.00 | 9,750.00 | 9,762.00 | 9,694.00 | 9,432.00 |
| Expenditure excluding provisions and contingencies | 19,386.00 | 25,958.00 | 26,655.00 | 27,800.00 | 27,020.00 | 28,248.00 | 29,301.00 | 30,417.00 | 29,819.00 | 29,941.00 | 30,347.00 | 30,470.00 | 30,733.00 |
| Operating profit before provisions | 6,935.00 | 9,808.00 | 8,429.00 | 9,810.00 | 8,781.00 | 11,207.00 | 8,432.00 | 9,479.00 | 8,586.00 | 8,493.00 | 9,652.00 | 9,518.00 | 10,584.00 |
| Provisions and contingencies | 2,517.00 | 3,785.00 | 1,903.00 | 2,777.00 | 2,442.00 | 3,773.00 | 1,497.00 | 2,568.00 | 3,416.00 | 1,798.00 | 2,628.00 | 3,461.00 | 2,698.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -5,680.00 |
| Profit before tax | 4,418.00 | 6,023.00 | 6,526.00 | 7,033.00 | 6,340.00 | 7,434.00 | 6,935.00 | 6,911.00 | 5,170.00 | 6,695.00 | 7,024.00 | 6,057.00 | 2,206.00 |
| Tax expense | 1,146.00 | 1,680.00 | 1,778.00 | 2,017.00 | 1,759.00 | 1,979.00 | 1,818.00 | 1,604.00 | 1,818.00 | 1,625.00 | 1,617.00 | 409.00 | 633.00 |
| Profit for the period | 3,272.00 | 4,343.00 | 4,748.00 | 5,016.00 | 4,580.00 | 5,455.00 | 5,117.00 | 5,307.00 | 3,352.00 | 5,070.00 | 5,407.00 | 5,648.00 | 1,573.00 |
| Profit attributable to owners | 3,400.00 | 4,394.00 | 4,789.00 | 5,132.00 | 4,728.00 | 5,355.00 | 5,214.00 | 5,420.00 | 3,469.00 | 5,134.00 | 5,443.00 | 5,648.00 | 1,783.00 |
| Profit attributable to non-controlling interests | -8.00 | 32.00 | 26.00 | 28.00 | 36.00 | 50.00 | 36.00 | 27.00 | 48.00 | 47.00 | 58.00 | 0.00 | 56.00 |
| con:SHARE_OF_ASSOCIATES | 120.00 | 83.00 | 66.00 | 144.00 | 184.00 | -50.00 | 133.00 | 140.00 | 165.00 | 110.00 | 94.00 | 0.00 | 267.00 |
| Earnings per share, basic | 6.58 | 8.50 | 9.26 | 9.92 | 9.14 | 10.36 | 10.08 | 10.48 | 6.71 | 9.93 | 10.53 | 11.22 | 3.45 |
| Earnings per share, diluted | 6.58 | 8.50 | 9.26 | 9.92 | 9.14 | 10.36 | 10.08 | 10.48 | 6.71 | 9.93 | 10.53 | 11.22 | 3.45 |
Annual results, as filed
| Line | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|
| Interest earned | 118,379.00 | 127,945.00 | 134,298.00 |
| Interest on advances and bills | 87,648.00 | 96,107.00 | 99,396.00 |
| Income on investments | 27,842.00 | 29,284.00 | 28,773.00 |
| Interest on balances with the RBI and interbank funds | 1,934.00 | 1,982.00 | 2,752.00 |
| Other interest | 955.00 | 572.00 | 3,377.00 |
| Interest expended | 69,899.00 | 78,265.00 | 81,860.00 |
| Other income | 23,399.00 | 24,939.00 | 22,527.00 |
| Total income | 141,779.00 | 152,884.00 | 156,825.00 |
| Employee benefit expense | 16,967.00 | 17,910.00 | 17,209.00 |
| Operating expenses | 34,337.00 | 36,721.00 | 38,717.00 |
| Expenditure excluding provisions and contingencies | 104,236.00 | 114,986.00 | 120,577.00 |
| Operating profit before provisions | 37,543.00 | 37,898.00 | 36,248.00 |
| Provisions and contingencies | 11,743.00 | 10,280.00 | 11,303.00 |
| Profit before exceptional items and tax | — | 27,619.00 | 24,945.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 |
| Profit before tax | 25,799.00 | 27,619.00 | 24,945.00 |
| Tax expense | 7,390.00 | 7,160.00 | 5,468.00 |
| Profit for the period | 18,410.00 | 20,459.00 | 19,477.00 |
| Profit attributable to owners | 18,767.00 | 20,716.00 | 19,477.00 |
| Profit attributable to non-controlling interests | 101.00 | 149.00 | 0.00 |
| con:SHARE_OF_ASSOCIATES | 459.00 | 406.00 | 0.00 |
| Earnings per share, basic | 36.29 | 40.06 | 38.38 |
| Earnings per share, diluted | 36.29 | 40.06 | 38.38 |
Balance sheet, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Capital | 1,036.00 | 1,036.00 | 1,036.00 | 1,036.00 | 1,036.00 | 1,036.00 | 1,036.00 |
| Reserves and surplus | 97,357.00 | 112,836.00 | 119,695.00 | 134,138.00 | 145,467.00 | 159,215.00 | 164,833.00 |
| Deposits | 1,119,041.00 | 1,277,058.00 | 1,351,802.00 | 1,389,615.00 | 1,496,688.00 | 1,525,204.00 | 1,675,895.00 |
| Borrowings | 117,332.00 | 126,276.00 | 101,959.00 | 115,106.00 | 135,813.00 | 148,247.00 | 170,297.00 |
| Other liabilities and provisions | 63,955.00 | 74,547.00 | 80,288.00 | 84,848.00 | 82,771.00 | 79,856.00 | 89,442.00 |
| Total equity and liabilities | 1,398,720.00 | 1,591,752.00 | 1,654,779.00 | 1,724,742.00 | 1,861,774.00 | 1,913,557.00 | 2,101,502.00 |
| Cash and balances with the RBI | 52,145.00 | 57,474.00 | 56,720.00 | 55,980.00 | 58,191.00 | 51,994.00 | 64,686.00 |
| Balances with banks and money at call | 43,833.00 | 46,418.00 | 43,570.00 | 48,344.00 | 74,287.00 | 75,394.00 | 96,137.00 |
| Investments | 381,277.00 | 406,212.00 | 407,136.00 | 416,008.00 | 427,380.00 | 433,733.00 | 435,778.00 |
| Advances | 857,458.00 | 1,020,726.00 | 1,088,983.00 | 1,146,424.00 | 1,237,240.00 | 1,287,059.00 | 1,440,458.00 |
| Property, plant and equipment | 9,598.00 | 8,607.00 | 8,148.00 | 7,848.00 | 12,634.00 | 13,233.00 | 12,197.00 |
| Other assets | 54,409.00 | 52,315.00 | 50,221.00 | 50,140.00 | 52,043.00 | 52,145.00 | 52,246.00 |
| Total assets | 1,398,720.00 | 1,591,752.00 | 1,654,779.00 | 1,724,742.00 | 1,861,774.00 | 1,913,557.00 | 2,101,502.00 |
Asset quality and capital, as filed
| Line | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross non-performing assets | 0.00 | 0.00 | 0.00 | 0.00 | 28,551.00 | 0.00 | 0.00 | 27,572.00 | 27,600.00 | 0.00 | 0.00 | 0.00 |
| Net non-performing assets | 0.00 | 0.00 | 0.00 | 0.00 | 6,764.00 | 0.00 | 0.00 | 7,158.00 | 7,141.00 | 0.00 | 0.00 | 0.00 |
| Gross NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| CET-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Additional Tier-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 | 63.97 | 0.64 | 0.64 | 0.64 | 0.64 |
| Domestic institutions | 17.00 | 16.03 | 16.00 | 16.00 | 16.30 | 16.04 | 16.60 | 18.12 | 18.23 | 19.06 | 0.19 | 0.19 | 0.19 | 0.18 |
| Mutual funds | — | — | — | — | — | — | — | — | — | 9.33 | 0.10 | 0.10 | 0.10 | 0.10 |
| Insurance companies | 5.06 | 4.37 | 4.36 | 5.56 | 6.13 | 5.84 | 6.50 | 7.09 | 7.52 | 8.07 | 0.07 | 0.07 | 0.06 | 0.06 |
| Foreign institutions | 10.92 | 12.29 | 12.39 | 12.27 | 12.40 | 11.45 | 9.87 | 8.91 | 8.98 | 8.08 | 0.09 | 0.10 | 0.10 | 0.10 |
| Government | — | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 |
| Public | 36.03 | 36.03 | 36.03 | 36.03 | 36.03 | 36.03 | 36.03 | 36.03 | 36.03 | 36.03 | 0.36 | 0.36 | 0.36 | 0.36 |
| Non-institutional | 8.11 | 7.70 | 7.64 | 7.75 | 7.33 | 8.55 | 9.55 | 9.00 | 8.83 | 8.89 | 0.08 | 0.07 | 0.07 | 0.07 |
| Shares outstanding | 5171362179 | 5171362179 | 5171362179 | 5171362179 | 5171362179 | 5171362179 | 5171362179 | 5171362179 | 5171362179 | 5171362179 | 5171362179 | 5171362179 | 5171362179 | 5171362179 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| BNP Paribas SA (France) | Associate of Subsidiary | Any other transaction | 5,939,240,000.00 | 1 |
| BNP Paribas Bank | Associate of Subsidiary | Any other transaction | 2,646,041,000.00 | 1 |
| BNP Paribas SA (France) ( BNP Group Company)** | Associate of Subsidiary | Any other transaction | 756,502,000.00 | 3 |
| BNP Paribas Bank (BNP Group Company)** | Associate of Subsidiary | Any other transaction | 263,500,000.00 | 2 |
| INDIA INFRADEBT LIMITED | Joint Venture of Parent | Any other transaction | 4,755,000.00 | 4 |
| Vishkha R.M. | Director/KMP of Subsidiary | Any other transaction, Remuneration | 367,000.00 | 2 |
| Mrs. Sumit Mamak Chadha (MD & CEO) | Director/KMP of Subsidiary | Remuneration | 124,000.00 | 1 |
| RUSHABH GANDHI | Director/KMP of Subsidiary | Remuneration | 92,000.00 | 1 |
| Sanjiv Kumar Saraff | Director/KMP of Subsidiary | Remuneration | 78,000.00 | 1 |
| Ian Gerard Desouza (upto 20.06.2024) | Director/KMP | Remuneration | 40,000.00 | 1 |
| Mr. Shashi Dhar | Director/KMP of Subsidiary | Remuneration | 39,000.00 | 2 |
| Neelesh Baheti | Director/KMP of Subsidiary | Remuneration | 38,000.00 | 1 |
| Vinay Kumar Rathi | Director/KMP of Subsidiary | Remuneration | 36,000.00 | 3 |
| Mr. Aditya Narayan Singh | Director/KMP of Subsidiary | Remuneration | 32,000.00 | 3 |
| SJ Raman | Director/KMP of Subsidiary | Remuneration | 32,000.00 | 1 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-07-30 | Q1FY26 | Read the call | |
| 2026-05-14 | Q4FY25 | Read the call | |
| 2025-07-30 | Q1FY25 | Read the call | |
| 2024-08-05 | Q1FY25 | Read the call | |
| 2023-11-09 | Q2FY24 | Read the call | |
| 2023-08-11 | FYFY23 | Read the call | |
| 2023-05-22 | FYFY22 | Read the call | |
| 2023-02-09 | FYFY22 | Read the call | |
| 2022-11-11 | Q2FY23 | Read the call | |
| 2022-08-10 | Q1FY23 | Read the call |
Some earlier announcements under this heading are covering letters only — no transcript was attached.
What they said about it, quarter by quarter
| Topic | FYFY22 | FYFY23 | Q1FY23 | Q1FY25 | Q1FY26 | Q2FY23 | Q2FY24 | Q4FY25 |
|---|---|---|---|---|---|---|---|---|
| Capex | It is being titled as CapEx budget and the largest boost by government spending 4.9% of the GDP. | — | — | So, sir, in fact, to add to what you have said that there are many CapEx announcements from various companies in the corporate sector and PSU space al… | The IT budget is currently what we are having, both OPEX and Capex put together is in excess of INR 4000 crores. | If today you’re giving a Rs 100 loan, how much of it is towards capex or how much of it is coming from working cap? | — | Yeah, our spends, normally we do both the Opex and Capex, almost 10 % of the operating profit. |
| Capital allocation | So, projects can now be launched only if 90% of the land acquisition is complete. | So, the credit card divestment process that was already initiated by the Bank, the process is still continuing. | But, the acquisition in terms of the incremental business by and large is out of the term loans and trade finance and assets are typically picked up i… | My second question is with respect to some of the divestment processes that were undertaken at the bank about 18 months to 24 months before. | And what is the update on acquisition financing? | For the moment, in terms of our own Bank, we are not aware of any plans in terms of divestment of stake by the government. | If the profit for the half year was to be included ex-dividend, our CET 1 would have been at 12.47% and our CRAR would have been at 16.20%, which is v… | — |
| Costs | — | — | — | So, Sir, just to get this clear, 15-17 basis point is the stock impact on the overall Cost of deposit right, based on repricing of including bulk depo… | — | — | And it is the cost pressure that has to be transmitted to the MCLR. | — |
| Debt and cash | Here a bigger push is required together you know private public sector which has been mentioned, so how do we see in this Bank the push to infra lendi… | The idea is to have more cash flows in the system so that I can customize product to the requirement of the customer. | — | In terms of the quality of the book, as I said earlier, these are again existing customers and backed by the cash flow. | — | And, if it is still largely working capital, we hear that this is mostly because companies take this working capital so that they have been seeing inp… | There are cash flow happening as far as Bank of Baroda is concerned, these are all my 95%-96% is my existing customer, any new customer bringing a sal… | 1,60,000 crores and 55- 60% is a working capital. |
| Demand | Similarly, also the retail advances also because that would conventionally lead to create more demand at the lower level and that would also be good f… | What's the pipeline looking like in terms of loan approvals and sanctions? | Sir, I just wanted to understand this power sector demand revival that you're seeing for the last couple of quarters, where is it coming from? | So, the financial metrics and all the profitability metrics is working well for the bank and at the same time looking for the next quarter and going f… | So this is typically seasonal , in terms of demand scenario. | The corporate is actually the slowest which also again shows that there is still some upside in terms of as corporate credit picks up, demand picks up… | So, basically, you're saying that formalization of economy and Indian economy going to 5 trillion would enhance the potential on a consumer demand far… | 8,500 crores of equity capital over a medium term that is up to FY28. So, in terms of capital raise, it is almost like we have the, what you can say, … |
| Guidance | Also, I'll just again make a small presentation, not take more than 10 minutes 15 minutes and then open up to questions, try to make sure that I cover… | We continue to have the same guidance that of last quarter to grow above the industry by 1%-2% and on the retail side we wish to grow almost 4%-5% abo… | But we expect again and this is what our guidance has been, that there is scope for further improvement in margins even as we grow the loan book. | This growth is a little bit on a muted side as against our guidance. | The margin for the bank is global at 2.77% and the domestic at 2.93%, which is in line with our guidance of 2.75 to 2.95%. | The change of course is that now finally as term deposit rates have started increasing, term deposit growth rates have moved a little ahead of the gro… | If that were to be excluded, this slippage would be just 1.08%, which is just about 2 bps higher than the slippage in the previous quarter and within … | Let me reiterate a couple of guidance that normally we give it to the market. |
| Margin | So, if you see that, then our margin improved by 20 basis points over the last quarter. | So, considering all the factors we are still hopeful to maintain the 3.3% NIM margin. | This was largely driven by the fact that we had chosen to protect our margin in corporate and till last year at least the choice was very stark, eithe… | Our margin is posted at a very comfortable at 3.18. | Our Net Interest Margin stands at 2.77% for the quarter. | You end up making again a margin after cost of operations internationally which is higher than what we have done domestically. | What are the new initiatives which you would take to sustain a growth with a good margin on a year-to-year basis and does bank view that every bank is… | With regard to our net interest margin, it stands at 2.89 % for the quarter, registering a sequential improvement of 10 bps. It stands at 2.89 % for t… |
| People | — | And also, because the bank attrition has been in the news for some time, I just wanted to understand, what has been your attrition for the last year, … | — | Employee headcount, yes, we have a plan to hire almost 15,000 employees at different cadre, more on the operational and the relationship side in this … | And in that same way, in terms of headcounts also, we're hiring. | And if I believe that this is the start of the business season and the utilisation is normally high, so we see traction out of that in the December qu… | — | Sure sir, last question on, if you've laid out the hiring plans for FY27, how many, how much of workforce addition would you be doing this year and wh… |
| Pricing | So, because of the fact that we have been able to grow loans significantly faster and most of the growth has come from the retail segment where you ha… | Is that one of the reasons why your margins have dipped also, because pricing in those segments is becoming finer and finer? | — | International is more of a pricing actually some of the time you will not be surprised, some of the return you get out of the international investment… | We have, actually, we have the intention of hitting the dollar bond, but then we also look at some right pricing for that, right. | I believe there is possibly another quarter or two to run, where we will have the advantage of loan re-pricing outpacing deposit re-pricing. | In terms of the pricing - there is no differentiation therein, but the differentiation is more on the offerings. | See, I mean, your deposit profile has to match the market condition and the market condition at this level seems to be quite sticky with regard to the… |
| Revenue growth | Ian, while you indicated that we are not having a very clear view on the rate cycle which is why we are raising bulk deposits, but given that the liqu… | If I have a credit outlook, the quarter has seen a strong quarter to quarter growth of 2.2%. | But if there was one challenge, it was that our performance and growth was good, but not really an outlier by any standards. | Segment wise if we say, we are going strong with the Retail growth of 21%, Agriculture is around 9.1%., MSME 9.8%, Corporate is at 2.5%. | As at the end of Q1 FY 2027, the Bank's global business stands at INR 30.5 lakh crore registering a YoY growth of 15.4%. | The other good part of course, is that the growth has been well spread out as has been our emphasis for the last few quarters, retail has had the most… | Within our domestic advances, retail advances grew 22%, Agri grew 13%, MSME continued the trend of growing 12% to 13%, and corporate advances after a … | 30.78 lakh crores, registering the YoY growth of 13.9 %. |