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Bank of Baroda
SectorFinancial Services
Bank of Baroda is a leading commercial public sector bank in India. It offers personal, business, corporate, and international banking services. The bank provides various products including deposits, loans, credit/debit cards, and digital banking solutions. As of 2024, Bank of Baroda has 8,243 domestic branches, 91 overseas branches, and 11,033 ATMs and cash recyclers. The bank's key segments are Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. Bank of Baroda offers services like savings accounts, term deposits, home loans, vehicle loans, insurance products, and digital banking solutions. The bank has a significant domestic presence and international operations spanning multiple countries.
In the news
Bank of Baroda's $15 Billion NMC Nightmare: What's Really at Stake
Bank of Baroda enters pension fund business after SBI
HDFC Bank's Q2FY27: Deposit Surge, Loan Growth, and the PSU Rally
Bank of Baroda Q2: Global business grows 17.5% YoY to ₹32.64 lakh crore
BoB enters pension fund business as PFRDA targets 4 crore NPS subscribers
Bank of Baroda sanctioned loans despite NMC Group red flags
Bank of Baroda Launches AI-Powered bob World 2.0 App at GFF 2026
Banking CEOs face rising cyber threats as security costs surge
Bank of Baroda raises $8B via FCNR(B), exceeds $4-5B target
NSE IPO Size Cut to ₹23,000 Cr as PSU Insurers Reduce Stake Sales
Bank unions call nationwide strike Sept 11 over 5-day week, PLI scheme
Bank of Baroda recruits 2,482 local language officers with ₹48,480-85,920 salary
Bank of Baroda Launches UPI Global QR Payments for International Visitors
Bank of Baroda Raises $700M in First Overseas Bond Since 2019
Kotak Securities picks 3 stocks for short-term gains
Bank of Baroda Falls 2.1% to ₹244.6, Underperforms BANKEX
HDFC Bank cuts MCLR by 5 bps; Bank of Baroda, Canara Bank raise rates
Bank of Baroda Files ₹300 Cr Cyber Claim After 1TB Data Breach
Bank of Baroda Confirms Email Breach, Files ₹750 Cr Insurance Claim
Q1 FY26-27 Earnings: Banking Divergence, Energy Bets, and Maruti's SUV Gamble
The Quarter story
The two most recent quarterly results, compared side-by-side.
Bank of Baroda drives strong retail and green lending growth while maintaining healthy asset quality, though quarterly profit volatility and rising retail NPAs warrant monitoring.
Retail advances grew from ₹2,61,479 Cr to ₹3,09,674 Cr from Q1 FY26 to Q1 FY27, expanding consumer credit footprint
Retail NPA rose from ₹5,224 Cr in Q1 FY26 to ₹5,877 Cr in Q1 FY27, indicating deteriorating consumer asset quality
PM Surya Ghar disbursements surged from 81,134 accounts in Q3 FY26 to 1,66,444 in Q1 FY27, accelerating solar financing
Net profit fell from ₹5,616 Cr in Q4 FY26 to ₹1,278 Cr in Q1 FY27, reflecting seasonal earnings volatility
CET1 capital rose from ₹1,30,458 Cr to ₹1,50,434 Cr from Q1 FY26 to Q1 FY27, strengthening core capital buffers
AT1 capital ratio dropped from 1.02% in Q1 FY26 to 0.50% in Q1 FY27, requiring capital buffer monitoring
GNPA ratio improved from 2.28% in Q1 FY26 to 1.99% in Q1 FY27, maintaining healthy asset quality
Kenya GNPA ratio increased from 12.56% in Q1 FY26 to 13.25% in Q1 FY27, signaling persistent East African credit stress
Total deposits climbed from ₹14,60,055 Cr to ₹16,61,941 Cr from Q1 FY26 to Q1 FY27, securing strong funding growth
Net interest margin declined from 2.91% in Q1 FY26 to 2.77% in Q1 FY27, reflecting competitive pricing pressures
Company insights, generated from the most recent coverage.
GNPA at 1.99% (down 29 bps YoY), NNPA at 0.50% and 0.91% slippage confirm today's fall is a legal-overhang event, not credit deterioration — the loan book is still improving.
Volume of just 3.09 million shares, about 49% of the 1-month average, means the 3% drop is headline-driven thin-liquidity selling rather than institutional distribution.
5-min RSI at 18 and CCI at -271 with price below the lower Bollinger band marks capitulation-style selling; such extremes usually produce a short-covering bounce even while ADX at 48 keeps the downtrend intact.