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03-Feb-2026

Bank of Baroda

Reduces credit cost guidance to 0.6%, raises loan growth guidance to upwards of 13% for FY26


'Bank of Baroda conducted a conference call 30 January 2026 to discuss the financial results for the quarter ended December 2025. Devdutt Chand, MD&CEO of the bank addressed the call:

Highlights:

Global advances have grown by 14.7% yoy with the domestic advances rising 13.6% and international advances by 19.3%.

Within the advances book, the bank has continued to focus on RAM advances.

The organic retail book grew by 17.4%, agriculture by 19% and organic MSME by 16.4%.

Corporate loans grew 8.1% yoy at end December 2025.

Within the retail segment, education loans grew 12.8%, personal loans 12%, home loans by 16%, auto loans 17.4% and mortgages 21%.

Total deposits have grown by 10.3% with international deposits growing by 5.7% and domestic deposits by 11.1%.

The domestic Casa deposits increased 8.6% and term deposits have registered a growth of 12.7%

Domestic credit deposit ratio stands at 83.89% and CASA ratio stan...



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