Bank of Baroda (BOM:532134)

Q1 2027 Bank of Baroda Ltd Earnings Call Transcript

Jul 24, 2026 / 12:30 PM GMT

Release Date Price: ₹246.6 (+1.48%)

Transcript

Key Points

Positve

Bank of Baroda (BOM:532134) reported a strong global business growth of 15.4% year-over-year, with global advances growing by 17.4%.
The bank's domestic advances grew by 16.1%, and international advances increased by 23.3%, indicating robust growth across regions.
Retail loans showed significant growth, with auto loans increasing by 25.3% and home loans by 14.7% year-over-year.
Asset quality remained strong, with the Gross NPA ratio improving by 29 basis points year-over-year to 1.99%, and the Net NPA ratio below 1% at 50 basis points.
The bank's capital adequacy remains strong, with CET1 at 13.9% and CRAR at 16.30%, indicating a solid capital position.

Negative

The bank faced a significant one-time impact due to a USD 600 million settlement related to a legacy litigation issue, which affected the net profit for the quarter.
Net profit for Q1 FY 2027 was INR 1,278 crores, significantly lower than it would have been without the settlement impact.
The bank's net interest margin stood at 2.77%, which is on the lower end of the guidance range of 2.75% to 2.95%.
There was a decline in commission exchange brokerage fee income, which was down 47% year-over-year.
The bank's operating expenses increased, partly due to higher staff costs, impacting overall profitability.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

BOB.NS - Bank of Baroda Ltd
Q1 2027 Bank of Baroda Ltd Earnings Call
Jul 24, 2026 / 12:30PM GMT

=====================
Conference Call Participants
=====================
* Debadatta Chand
* L. Inumella V
* Ashok Ajmera
* Rikin Shah
* Gaurav Jani
* Beena Vaheed
* Jai Prakash Mundhra
* Parameswaran Subramanian
* Jayant Kharote
* Joydeep Roy

=====================
Presentation
--------------------------------------------------------------------------------
Operator [1]
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Good evening, everyone and welcome to Bank of Baroda's analyst meet for our quarterly results for the quarter ended 30th June 2026. Thank you for joining us. We have with us today our Managing Director and CEO, Dr. Debadatta Chand. He is joined by the bank's Executive Director and CFO.

We will start with brief introductions and a short presentation, followed by opening remarks by Dr. Chand and then we

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