Guidance ledger · Q4 FY26

Bank of Baroda BANKBARODA

3 revisions on record · 0 lowered · 2 raised — the strikethrough is what management used to say

directional guidance only · shifted across quarters

Holding view → · latest concall · The pulse

↑ raised Loan growth guidance Q3 FY26 → Q4 FY26

~~11% to 13%~~ → 12% to 14%

“The loan guidance we are upsizing from the earlier guidance of 11 to 13% to 12 to 14% considering our performance.”

↑ raised Deposit growth guidance Q3 FY26 → Q4 FY26

~~9% to 11%~~ → 10% to 12%

“The deposit growth is from 9 to 11% earlier, it has been upsized to 10 to 12%.”

→ narrowed Credit cost guidance Q2 FY26 → Q3 FY26

~~Below 0.75%~~ → Below 0.60%

“the credit cost guidance which was below 0.75%, we have revised downward, in the sense positive to”

Method. Revisions come from management's own stated numbers, compared quarter over quarter across the covered concalls; each carries the verbatim quote. “No revisions” can also mean guidance too vague to pin down — see the posture chip above. Not investment advice.