Bank of Baroda
Bank of Baroda Q4 FY26 earnings call: Revenue & Margins
Q4 FY26 earnings call: what management guided on revenue, margins and order book.
The short version
Loan growth guidance has been upsized from earlier 11-13% to 12-14% for FY27, indicating stronger credit expansion expectations. - Deposit growth guidance is increased from 9-11% to 10-12%, showing a focus on augmenting the resource base. - The bank aims for a sustainable gap of 2.5-3% between advances growth outpacing deposit growth, supported by capital and alternative resources like refinance and bonds. - Retail loan growth is robust at 17.9%, with retail book surpassing Rs. Loan growth guidance has been upsized from 11-13% to 12-14%, reflecting optimism despite global headwinds (Pages 5, 6). - Deposit growth guidance increased from 9-11% to 10-12% (Page 5). - Net Interest Margin (NIM) guidance is maintained at 2.75% to 2.95% for the full year, acknowledging potential market repricing and IT refund volatility (Pages 5, 23). - Operating profit consistently above Rs.
From Bank of Baroda's Q4 FY26 earnings-call transcript · updated 23 Sept 2026.
Revenue & Sales Performance
- Loan growth guidance has been upsized from earlier 11-13% to 12-14% for FY27, indicating stronger credit expansion expectations.
- Deposit growth guidance is increased from 9-11% to 10-12%, showing a focus on augmenting the resource base.
- The bank aims for a sustainable gap of 2.5-3% between advances growth outpacing deposit growth, supported by capital and alternative resources like refinance and bonds.
- Retail loan growth is robust at 17.9%, with retail book surpassing Rs. 3 lakh crores, reflecting strong business momentum.
- The bank expects to maintain NIM in the range of 2.75-2.95%, balancing repricing of assets and liabilities.
2 more points from Bank of Baroda's call on revenue
Pro opens every point from 15K+ earnings calls
Profitability & Margins
See what Bank of Baroda said on profitability & margins — free account, 30 seconds.
Capital Expenditure Plans
- The bank has spent around Rs. 4,500 crores on technology, covering both Opex and Capex, and is currently meeting all requirements.
- Provisions are in place to spend extra on technology if an eventuality arises.
- The bank has formalized Baroda Sun Technology, a tech company focused on investing in emerging technology for Bank of Baroda.
- Plans include scaling up the newly operational Primary Dealer (PD) company launched on April 1, 2026, with a committed capital of Rs. 2,000 crores (Rs. 500 crores availed so far).
2 more points from Bank of Baroda's call on capex
Pro opens every point from 15K+ earnings calls
Top-ranked in Banks
Ranked on what management guided this quarter
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
2 more points from Bank of Baroda's call on order book
Pro opens every point from 15K+ earnings calls
Continue your research
What Bank of Baroda's management said in earlier quarters
- Q1 FY27 earnings call analysis →
- Q2 FY26 earnings call analysis →
- Q4 FY25 earnings call analysis →
- Q3 FY26 earnings call analysis →
- Q1 FY26 earnings call →
- Q3 FY25 earnings call →
- Q2 FY25 earnings call →
- Q1 FY25 earnings call →
- Q4 FY24 earnings call →
- Q3 FY24 earnings call →
- Q2 FY24 earnings call →
- Q1 FY24 earnings call →
Others in Banks this season
- IDBI Bank Ltd (Q4 FY26)
3,851 crore, up 17% YoY (Page 9, 10) . Key concall takeaways from IDBI Bank Ltd's Q4 FY26 earnings call — and how it ranks against sector peers.
- Jammu and Kashmir Bank Ltd (Q4 FY26)
Operating expenditure has reduced by around 4%, and cost-to-income ratio continues to improve, supporting profit growth. Key concall takeaways from J & K…
- RBL Bank (Q4 FY26)
The provided document is the cover letter informing about the availability of the earnings call transcript for RBL Bank for Q4 and FY ended March 31, 2026. Key…
- Utkarsh Small Finance Bank Ltd (Q4 FY26)
The bank sees potential to scale micro-banking business loans (MBBL) significantly, presently representing 27% of the micro-banking portfolio. Key concall…
Arthneeti Pro · Annual
Bank of Baroda and 15K+ more earnings calls,
for less than your morning chai
a day
Every earnings call, ranking and concall Q&A across all four results seasons.
Secure Razorpay payment · instant access
Frequently Asked Questions
What were Bank of Baroda Q4 FY26 results?
Loan growth guidance has been upsized from earlier 11-13% to 12-14% for FY27, indicating stronger credit expansion expectations. - Deposit growth guidance is increased from 9-11% to 10-12%, showing a focus on augmenting the resource base. - The bank aims for a sustainable gap of 2.5-3% between advances growth outpacing deposit growth, supported by capital and alternative resources like refinance and bonds. - Retail loan growth is robust at 17.9%, with retail book surpassing Rs. Loan growth guidance has been upsized from 11-13% to 12-14%, reflecting optimism despite global headwinds (Pages 5, 6). - Deposit growth guidance increased from 9-11% to 10-12% (Page 5). - Net Interest Margin (NIM) guidance is maintained at 2.75% to 2.95% for the full year, acknowledging potential market repricing and IT refund volatility (Pages 5, 23). - Operating profit consistently above Rs.
What is Bank of Baroda share price analysis?
Bank of Baroda currently shows a neutral. 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 spent around Rs.
Keep Bank of Baroda on your radar — track it to get its next earnings analysis in your feed.
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.