Bank of Baroda Q4FY26 Results Preview: Loan Growth Expected to Drive Business Momentum
Bank of Baroda Q4 results preview:Brokerages expectBank of Barodato report steadyresults for the March quarterof the previous financial year (Q4FY26).While the public sector bankβs loan book may see a double digit growth, its profit and net interest income (NII) could see low single digit gain, they said.Bank of Baroda Q4 results date, time:As per Bank of Barodaβs exchange filing, the Board of Directors of the bank will meet on Friday, May 8, 2026 to consider and approve the audited standalone and consolidated financial results of the bank for the quarter/year ended March 31, 2026.The Board will also consider and recommend dividend for FY2025-26, if any.Bank of Baroda Q4 results: Key monitorablesAnalysts said the managementβs commenatry on deposit mobilisation strategy, NIMs trajectory, and credit cost outlook will be key monitorables.READ |SBI Q4 results preview: Profit may drop up to 12% on treasury lossAlso ReadMarico jumps 4% to record high on strong Q4 results; MOFSL sees 15% upsideStock Market LIVE: Sensex up 200 pts, Nifty above 24,100; SMIDs gain; Coforge hits 10% upper circuitPNB gains 3% on mixed Q4; analysts flag weak margins, eye up to 25% upsideCanara, PNB, BoB, Indian Bank gain up to 3%; what's driving PSU banks?Brokerages bullish on M&M on SUV growth, product pipeline; flag margin riskBank of Baroda Q4FY26 results: Profit, NII, NIM, loan growth expectationsNomuraGlobal brokerage Nomura expects Bank of Baroda to report a solid 16-per cent year-on-year (Y-o-Y) loan growth at βΉ14.05 trillion. This would be a 6 per cent growth over the December 2025 quarter (Q-o-Q).Likewise, the deposit growth is seen at 12 per cent Y-o-Y and 7 per cent Q-o-Q, reaching βΉ16.48 trillion in Q4FY26.However, Bank of Barodaβs NII growth is projected at 5 per cent Y-o-Y/3 per cent Q-o-Q at βΉ12,120 crore.Add to it, treasury losses due to rise in bond yields are expected to dent operating and net profit growth.Nomura expects pre-provision operating profit (PPOP) to slip 8 per cent Y-o-Y to βΉ7,490 crore. Core PPOP, however, could still rise 10 per cent to βΉ6,530 crore, Nomura said.Accounting for a 29-per cent Y-o-Y decline, but a 37-per cent Q-o-Q jump in provisions, net profit is anticipated at βΉ4,800 crore β lower by 5 per cent annually and quarterly.Nomura said BoBβs net interest margins (NIMs) may decline by 5 basis points (bps) Q-o-Q to 2.6 per cent.It expects a stable asset quality with credit cost falling 20 bps Y-o-Y, but up 7 bps Q-o-Q.JM Financial Institutional SecuritiesJM Financial analysts, too, expect Bank of Barodaβs net profit to fall in Q4FY26 amid a spike in provisions sequentially.The brokerage pegs net profit at βΉ4,860 crore for the quarter, down 3.7 per cent Y-o-Y and Q-o-Q, with provisions expected at βΉ1,310 crore β down 15.5 per cent Y-o-Y, but up 64.1 per cent Q-o-Q.Operationally, NII is projected to rise 6.5 per cent Y-o-Y/down 0.5 per cent Q-o-Q to βΉ11,740 crore, while PPOP is seen falling 5.3 per cent Y-oY/rising 4.4 per cent Q-o-Q to βΉ7,700 crore.JM Financial, too, forecasts the loan book to grow 16.2 per cent Y-o-Y/6.1 per cent Q-o-Q to βΉ14.06 trillion. Deposits, on the other hand, are seen up 12 per cent Y-o-Y/6.6 per cent Q-o-Q at βΉ16.49 trillion.NIM is seen contracting 5 bps Y-o-Y and 4 bps Q-o-Q to 2.6 per cent.READ |Swiggy Q4 preview: Loss may narrow YoY, rev to rise 40%; QC growth eyedMotilal Oswal Financial ServicesMOFSL has marginally better estimates for Bank of Baroda, expecting only a 2 per cent Y-o-Y fall in net profit to βΉ4,950 crore.Further, it projects a Y-o-Y rise of 5 per cent in NII to βΉ12,070 crore, but a 5.2 per cent fall in PPOP to βΉ7,700 crore.Loan growth is seen capped at 13.3 per cent Y-o-Y (βΉ13.70 trillion) and deposit growth at 10.1 per cent (βΉ16.20 trillion).Gross non-performing asset (GNPA) ratio may stay steady sequentially at 2 per cent in Q4FY26, while NNPA ratio may hold at 0.6 per cent.βLoan growth would be driven by healthy growth in RAM and slower overseas advances. We expect reported NIMs to contract to 5 bps Q-o-Q (Adjusted NIMs flat) amid repo/MCLR repricing and steady CoF,β MOFSL said.Mirae Asset SharekhanAnalysts at the brokerage expects a moderate 5.2-per cent Y-o-Y growth in NII (βΉ12,095.4 crore), with PAT seen nearly flat (-0.8 per cent Y-o-Y at βΉ5,005.6 crore). Higher opex and lower treasury gains, it said, would keep profitability flat.Further, it expects 16.1-per cent Y-o-Y loan growth to support business momentum.
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