Bank of Baroda Limited (BANKBARODA) Earnings Call Transcripts

Bank of Baroda Limited's Latest Earnings Call - Q4 FY2026

In the earnings call for Q4 FY 2026, Bank of Baroda reported a significant net profit of INR 5,616 crores, marking an 11.2% year-over-year increase and the highest quarterly profit in the bank's history. The bank's global business volume reached INR 30.7 lakh crores, with global advances growing by 16.2% year-over-year. Management raised guidance for loan growth from 11%-13% to 12%-14%, indicating strong momentum. However, the cost of deposits remains sticky, which could pressure margins moving forward.

Reported metrics

Guidance from management

Management raised the loan growth guidance to 12%-14% for FY 2027 and maintained a net interest margin guidance of 2.75% to 2.95%. They expect the cost of deposits to remain sticky in the near term.

What management said

No, sir, [indiscernible],I think it is likely to remain at the same levels because it will be elevated. March quarter, we saw a slight increase in the cost of deposits, and it is likely to continue for this quarter as well. because we don't see it coming down anytime -- at least for the next 3 months.

That's what I said actually when I said the deposit is sticky, that is the only scope for us to realign the asset pricing, right? When the rates are really low, many NCLR linked loan got replaced with the external benchmark, more particularly team in the elevated -- I mean, the rate structure, which is prevailing because of the geopolitical issue, I think there is a scope for realigning that portfolio, and that is wh...

What analysts pressed on

Analysts expressed concerns regarding the sticky cost of deposits and its potential impact on net interest margins. There were also inquiries about the sustainability of the current asset quality improvements and the impact of geopolitical factors on international exposure.

Main topics on the call

• Record Net Profit — Bank of Baroda achieved a net profit of INR 5,616 crores in Q4 FY 2026, which is the highest quarterly net profit ever for the bank. CEO Debadatta Chand stated, "the profit for this quarter of INR 5,600 crore possibly is...
• Strong Loan Growth — Global advances grew by 16.2% year-over-year, with domestic advances increasing by 14.5%. Management noted, "the advanced global advance growth of 16.2% and the domestic advance growth 1.5%" reflects robust demand.
• Guidance Increase — Management raised the loan growth guidance from 11%-13% to 12%-14% for FY 2027, indicating confidence in continued strong performance. This was attributed to a focus on low-cost deposits and a favorable economic environm...
• Sticky Cost of Deposits — The cost of deposits increased slightly, and management indicated it may remain elevated due to market conditions. CFO Sridhar Inumella mentioned, "the cost of deposit is going to stick" in the current liquidity scenario...

Read the full Bank of Baroda Limited transcript (Q4 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 29 Bank of Baroda Limited earnings call transcripts on record, spanning January 24, 2020 to July 24, 2026. Based on this history, Bank of Baroda Limited reports quarterly. The most recent call on file is dated July 24, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

BANKBARODA

Exchange

NSEI

Country

IN

Sector

Financials

Industry

Banks

Calls on record

29

First call

January 24, 2020

Most recent

July 24, 2026

Reporting cadence

quarterly