Bank of Baroda (BANKBARODA) Q2 FY27 Financial Results: PAT ₹1,278 Cr & Revenue ₹3.05 L Cr

{ "summary": "Bank of Baroda reported 15.4% YoY growth in global business to INR 30.5 lakh crore, 16.1% domestic advance growth, and 13.8% deposit growth in Q1 FY2027, with net profit of INR 1,278 crores after a USD 600 million NMC litigation settlement impact, while core net interest margin held at 2.77% and CET1 capital stood at 13.9% with CRAR at 16.30%.", "extractedFields": { "keyEvent": "Bank of Baroda reported Q1 FY2027 results with 15.4% YoY global business growth and INR 1,278 crore net profit after USD 600 million NMC settlement impact.", "whatChanged": "15.4% global business growth, 16.1% domestic advance growth, 13.8% deposit growth, 2.77% net interest margin, 1.99% GNPA ratio, 13.9% CET1 capital, 16.30% CRAR, INR 1,278 crore net profit, INR 8,127 crore operating profit, INR 5,528 crore net profit without settlement, 110 bps CRAR impact from settlement, INR 2,500 crore floating provision, 15-20 bps credit cost impact, 12-14% credit growth guidance, 10-12% deposit growth guidance, 2.75-2.95% NIM guidance, 19-20% overseas book target, INR 8,500 crore equity raise target, USD 600 million settlement amount, INR 12,500 crore ECL provision, INR 9,500-10,000 crore net ECL impact, 20-22 bps annualized ECL impact, INR 370 crore IT refund, INR 4,000 crore IT budget, INR 7,000 hires in FY2027, 7,000 staff cost increase due to AS15 provision, 625 crore write-off provision, 100% provisioned write-offs, 0.07% GNPA ratio, below 5 crore SMA1/2, 99.2% collection efficiency, 1.4-1.5% international NIM, 2.93% domestic NIM, 2.77% core NIM, 1% ROA target, 15-20 bps steady-state credit cost impact, 110 bps CRAR impact, 15-20 bps credit cost impact, 20 bps credit cost impact on ROA, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit cost impact, 15-20 bps credit