Margin compression from repricing of corporate loans
Analyst flagged that incremental lending to corporates, NBFCs, and housing at lower yields could compress NIMs despite deposit cost benefits.
BANKBARODA / Q3-FY26 / risks
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Bank of Baroda · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Elevated wholesale funding costs
Management acknowledged that bulk deposit rates remain tight and could pressure margins if asset growth outpaces low-cost deposit mobilization.
ECL transition impact on credit cost
Analyst raised concern about incremental provisioning under ECL; management estimated 18 bps recurring impact but uncertainty remains on final guidelines.
LCR decline due to treasury operations
LCR dropped to 116% from 120% QoQ due to sale of investments; management targets 120% but any sustained decline could affect liquidity comfort.