Bank of Baroda — Investor Meet, 14-05-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Bank of Baroda posted record Q4 & FY26 net profits of Rs 5,616 Cr and Rs 20,021 Cr, respectively, with global business crossing Rs 307,800 Cr (up 13.9% YoY). Global advances grew 16.2%, driven by strong RAM segment growth (retail book over Rs 300,000 Cr). Deposits rose 12%, improving CASA to 38.9%. Asset quality is robust with GNPA at 1.89% and Net NPA at 0.45%. A Rs 1,500 Cr floating provision was made to strengthen the balance sheet. Management upsized loan and deposit growth guidance to 12-14% and 10-12% respectively, while NIM guidance is 2.75-2.95%. The bank is expanding into new financial services and raised Rs 10,000 Cr in green infra bonds. The outlook is positive, with careful monitoring of geopolitical risks.