Bank Of Baroda has informed the Exchange about Transcript

Bank of Baroda's Q1 FY26 transcript from its July 25, 2025 media and analyst meet shows healthy operational performance: global advances grew 12.6% YoY and net profit came in at ₹4,541 crore, up 1.9% YoY. Operating profit rose 15% YoY to ₹8,236 crore, lifted by strong treasury income, though net interest income dipped 1.4% as repo rate cuts repriced EBLR-linked loans faster than deposits. Asset quality remained robust with GNPA at 2.28% (down 60 bps YoY), net NPA at 0.60%, and credit cost at 0.55%, but one ~₹500 crore international manufacturing account slipped into NPA, with a 40% (₹200 crore) provision made. Management retained FY26 credit growth guidance of 11-13% and deposit growth of 9-11%, flagged continued NIM/NII pressure in Q2, and expects margin improvement from Q3 onwards with a NIM range of 2.85-3%. The bank highlighted a strong corporate loan pipeline of ~₹30,000-35,000 crore sanctioned-but-not-disbursed and ~₹25,000-30,000 crore under consideration, and aims to grow MSME at 17-18% and take the RAM share to 65% in 2-3 years.