Bank of Baroda MD says bank has strong corporate loan pipeline
This story was originally published at 20:04 IST on 30 January 2026
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--Bank of Baroda: Maintain NIM guidance of 2.85-3.00% for FY26
--CONTEXT: Comments by Bank of Baroda's mgmt in Q3 earnings press conference
--Bank of Baroda: Have strong corporate loan pipeline
--Bank of Baroda: See strong demand in renewable energy, power sector
--Bank of Baroda: Adequately capitalised at this point
--Bank of Baroda: Have enabling provision to raise capital if need arises
By Nandini Sinha and Sagar Sen
MUMBAI/NEW DELHI – Bank of Baroda has a strong corporate loan pipeline, Managing Director and Chief Executive Officer Debadatta Chand said in a press conference after the bank detailed its earnings for the December quarter. "...we said that we're going to hit the band of 8 to 10%, and, rightly, for Q3, we're at 8.1%. And March end, we'll be hitting 10%. The sanction that happened during the year is going to be disbursed," Chand said about the on-year growth in corporate advances.
The public sector lender expects a good demand in the renewable energy, power, data centres, and chemical sectors, among others, Chand said. Bank of Baroda posted net profit of INR 50.55 billion for the December quarter, up over 4% on year and over 5% on quarter. The lender's total income for the reporting quarter was INR 353.50 billion, up nearly 2% on year and nearly 1% on a sequential basis.
The state-owned lender maintains credit growth guidance at 11-13%, while deposit growth is expected to be 9-11%, Chand said. The credit cost guidance has been revised to below 0.60% from below 0.75% for the current financial year. Slippages guidance stood at 1-1.25%.
The net interest margin for the financial year is expected to be in the range of 2.85-3%, Chand said.
The bank's operating profit was impacted as there was no "one-off either in the other interest income or any other heads-up on the trading profit side," Chand said.
Bank of Baroda remains adequately capitalised and has enabling provisions to raise capital, if need arises, Chand said. Talking about Bank of Baroda's treasury gains, Chand said that the bank's treasury income stood at INR 10 billion, while the trading profit was INR 8.36 billion. "...the trading profit that we make or the treasury income we make for the quarter, I think it's very comparably well-placed in terms of the income we are generating of those things," he said.
Bank of Baroda is going to roll out an app on pilot basis that would solve the language barrier issue between the bank employees and customers, Chand said.
Friday, shares of the bank closed at INR 299.40, down over 1%, on the National Stock Exchange. END
Edited by Deepshikha Bhardwaj
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