A Strong Q2 For Bank Of Baroda | Every 25 Bps Rate Hike To Boost Margin By 5 Bps, Says MD Chand
CNBC-TV18 · 02 Nov 2026 · 15 min
Management interview of Bank of Baroda (BANKBARODA), with 11 key numbers discussed.
- Debadatta Chand, MD & CEO, Bank of Baroda
Bank of Baroda reported strong performance in Q2, with management guiding for improved margins in Q3 and Q4, targeting the upper end of its 2.75-2.95% range. Around 38% of the loan book is repo-linked, providing margin expansion as rate increases reset yields. Management expects full-year RoA to remain near 1% and plans to expand overseas operations. On expected credit loss (ECL), the bank estimates a one-time book impact of 125 bps (roughly Rs 12,500 cr) alongside a recurring gross credit cost impact of 30-35 bps.