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Bank of Baroda

Q1 FY27Banks

Bank of Baroda Q1 FY27 earnings call: Revenue & Margins

Q1 FY27 earnings call: what management guided on revenue, margins and order book.

Price₹237
Market cap₹1.2L Cr
P/E5.5
Updated23 Sept 2026
Read4 min read

What the Q1 FY27 call signalled

2 of 4 strong

RevenueModerate growth
MarginMargins steady
CapexCapex planned
FundraiseFundraise planned

The short version

The bank reported a strong quarter with advances growth of 16-17%, indicating robust growth momentum. Credit growth guidance is maintained at 12-14% for the foreseeable future, showing steady expansion potential.

From Bank of Baroda's Q1 FY27 earnings-call transcript · updated 23 Sept 2026.

Revenue & Sales Performance

Moderate growth
  • The bank reported a strong quarter with advances growth of 16-17%, indicating robust growth momentum.
  • Management anticipates credit growth could increase up to 19-20% over the next couple of years.
  • While current guidance is maintained at 12-14% growth due to geopolitical and economic uncertainties, there is potential for upward revision if conditions improve.
  • Domestic NIMs remain strong at 2.93%, supporting margin sustainability amid higher asset growth.
  • The international book is expected to grow further in terms of footprint and business.
  • Deposits growth has been better than system average, with ongoing efforts to optimize deposit mix and cost.

2 more points management made on revenue & sales performance

Profitability & Margins

See what Bank of Baroda said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Capex planned
  • The bank has announced plans to raise INR 8,500 crore of equity over the medium term, ending March 2028, to support strong growth and capital needs.
  • There is no immediate requirement for capital raising as the current capital adequacy ratio (CRAR) is healthy at 16.3%.
  • The bank plans to raise roughly INR 6,000 crore of Tier 2 capital in the current fiscal year (FY27), depending on market conditions.
  • The IT budget, including OPEX and CAPEX, is currently in excess of INR 4,000 crore.

2 more points management made on capital expenditure plans

Top-ranked in Banks

Ranked on what management guided this quarter

5x potential
1AU Small Finance
Rev 2Mar 3
2IDFC First Bank
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what Bank of Baroda said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The provided transcript from the Bank of Baroda's Q1 FY 2026-27 Analyst Meet does not mention any details regarding the current or expected order book or pending orders. The discussion mainly focuses on financial results, capital raising plans, the NMC case settlement, liquidity coverage ratio (LCR), asset quality, provisions, branch and workforce expansion, AI integration, and foreign currency fundraising. There is no information related to order books or pending orders in the context of banking operations or project execution.

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What Bank of Baroda's management said in earlier quarters

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Frequently Asked Questions

What were Bank of Baroda Q1 FY27 results?

The bank reported a strong quarter with advances growth of 16-17%, indicating robust growth momentum. Credit growth guidance is maintained at 12-14% for the foreseeable future, showing steady expansion potential.

What is Bank of Baroda share price analysis?

Bank of Baroda currently shows a below-average growth signal. The stock trades at a P/E of 5.5 with a market cap of ₹121,496 Cr. Investors should review the full earnings analysis for detailed insights.

Is Bank of Baroda planning capital expenditure?

The bank has announced plans to raise INR 8,500 crore of equity over the medium term, ending March 2028, to support strong growth and capital needs.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.