Bank of Baroda

- The bank has approval to raise foreign currency funds, primarily through subordinated debt (Tier 2 capital) or Additional Tier 1 (AT-1) bonds, not equity. - The capital raise is expected to be done in parts: some in the current quarter and some in the next quarter. - Formal notifications to the Stock Exchange will be made before finalizing fundraising decisions. - There is no immediate plan for equity capital raising. - No plans for Asset Reconstruction Company (ARC) sales currently, though it remains flexible based on demand. - The bank aims to optimize bulk deposit growth to maintain margins but no specific large bulk deposit attraction strategy detailed beyond ongoing efforts.

- The bank plans to raise funds primarily through subordinated debt (Tier 2 capital) and AT-1 bonds, not equity capital. Some portion is expected to be raised within the current and next quarter, with Stock Exchange notification before final decisions (Page 25). - No specific mention of immediate large capex or strategic capital investment projects is detailed in these pages. - The bank is focused on scaling up its digital business internally, with a new Head of Digital Banking appointed from within; external hiring for CDO role may be considered if needed (Page 27-28). - There is a broader strategic direction to grow the retail loan book to 35% mix in 2-3 years, with commitment to balanced growth and diversified risk (Page 18). - Branch expansion plans are underway with focus on segment-based branch locations and metro outskirts, but no concrete numbers for the current year (Page 26).

- Bank of Baroda expects overall loan book growth above 15% annually. - Corporate loan growth is projected at 12-13%. - Retail loan growth is targeted to exceed 20%. - International loan growth is expected to align with domestic growth at around 15%. - Retail portfolio mix aims to increase from 27% to 35% in 2-3 years. - Continuing strong growth in retail loans but moderating unsecured personal loan growth to 35% YoY from previous ~60-70%. - Deposit growth guidance is 12-13% YoY, with focus on improving CASA ratio from 39.6% toward 41%. - Fee income and non-interest income growth facilitated by enhanced account planning, relationship management, and cash management services. - The bank intends to open new branches strategically to cater to business profile shifts and metro outskirts expansion, though specific branch count for the fiscal year is not quantified.

- Bank of Baroda expects strong growth with overall loan book growing above 15% YoY. - Retail loan growth is targeted at over 20% YoY, while corporate growth is foreseen around 12-13%. - International loan growth is aligned with domestic growth of approximately 15%. - Operating profits grew 33% YoY in the recent quarter; net profit rose 28.4% YoY. - For the half year, net profit increased by 52%, operating profit by 33%. - Return on Assets (ROA) is maintained above 1%, specifically at 1.12% for the half year. - Net Interest Income (NII) grew close to 15% for the half year and around 7% QoQ. - The Net Interest Margin (NIM) outlook is revised to 3.15% ± 5 bps for the full year. - Fee income and non-interest income are increasing due to strategic focus on relationship banking. - The bank aims for balanced, diversified growth across segments with moderate moderation in unsecured personal loans growth (targeted around 35% YoY).

The provided pages from the Bank of Baroda's discussion do not contain any information regarding current, expected order book, or pending orders. The content primarily focuses on topics such as: - RBI regulatory actions related to customer onboarding on the "bob World" app. - Bank strategy on branch expansion and customer acquisition. - Loan book growth and segmentation. - Issues concerning a specific aviation account classified as NPA. - Deposit growth and bulk deposit strategy. - Capital raising plans, primarily through debt instruments. - Recovery targets and ARC sale plans. No mention or data relating to order books or pending orders is available in the given transcript extract.