Bank Of Baroda CEO Sees NIM Recovery In Q3, Q4; Advances Growth Guidance Raised To 13-15% | ET Now
ET Now · 02 Nov 2026 · 11 min
Management interview of Bank of Baroda (BANKBARODA), with 12 key numbers discussed.
- Debadatta Chand, MD & CEO, Bank of Baroda
Bank of Baroda's MD & CEO Debadatta Chand expects net interest margins to improve in Q3 and Q4, remaining within the 2.75-2.95% target range, supported by asset repricing and stored liquidity. The bank raised its advances growth guidance to 13-15% from 12-14%, driven by strong RAM segment momentum and a Rs 60,000 cr corporate pipeline. On ECL adoption, the estimated one-time capital impact is about 125 bps (Rs 12,500 cr) spread over five years, supported by existing floating and contingency provisions. Asset quality remains stable, and gold loan exposure poses no stress.