Bank of Baroda — Investor Meet, 30-07-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Bank of Baroda reported strong 18% YoY growth in Retail, Agri, and MSME (RAM) loans, driving overall advances up 12.6%. Net Profit rose 1.9% to ₹4,541 Cr, while Operating Profit jumped 15% YoY, boosted by treasury gains. Net Interest Margin (NIM) of 2.91% showed resilience despite industry pressure, supported by a healthy 39.33% CASA ratio. Asset quality remains robust with GNPA at 2.28% and Net NPA at 0.60%. A 500 Cr international account slipped but is secured, with recovery anticipated. Management expects corporate loan growth and NIMs to improve in H2 FY26.