वित्तीय रिपोर्ट पहली तिमाही 2022-23

Back to Financial Reports
filter

Filter by Quarter

June 22-23
  • June 22-23

Financial Results June 22-23



  • Standalone Financial Results – SEBI Format

    Un-Audited (Reviewed) Standalone Financial Results for the Quarter Ended 30th June, 2022

      ( ₹ in lakhs)

      Sr. No.   Particulars
      Quarter Ended
      Year Ended
      30.06.2022 31.03.2022 30.06.2021 31.03.2022
            Un-Audited Audited Un-Audited Audited
      1   Interest earned (a)+(b)+(c)+(d) 1893749 1817361 1705264 6988078
        (a) Interest /discount on advances / bills 1303836 1283519 1216818 4927853
        (b) Income on investments 494022 476659 407108 1761721
        (c) Interest on balances with Reserve Bank of India and other inter bank funds 28943 25238 20746 101517
        (d) Others 66948 31945 60592 196987
      2   Other Income 118203 252229 286319 1148395
      3   Total Income (1 + 2) 2011952 2069590 1991583 8136473
      4   Interest Expended 1009910 956194 916097 3725944
      5   Operating Expenses (a)+ (b) 549290 549882 515404 2171644
        (a) Employees cost 304325 270237 305946 1197884
        (b) Other operating expenses 244965 279645 209458 973760
      6   Total Expenditure (4+5) excluding provisions and contingencies 1559200 1506076 1431501 5897588
      7   Operating Profit (3-6) before Provisions and Contingencies 452752 563514 560082 2238885
      8   Provisions (other than tax) and Contingencies 168480 373638 400540 1300241
      9   Exceptional Items                      -                -               -                -  
      10   Profit (+) / Loss (-) from Ordinary Activities before tax (7-8-9) 284272 189876 159542 938644
      11   Provision for Taxes 67459 11999 38679 211416
      12   Net Profit (+) / Loss (-) from Ordinary Activities after tax (10-11) 216813 177877 120863 727228
      13   Extraordinary items (net of tax expenses)                      -                -               -                -  
      14   Net Profit (+) / Loss (-) for the period  (12-13) 216813 177877 120863 727228
      15   Paid-up equity share capital    (Face Value of  ₹ 2 each) 103553 103553 103553 103553
      16   Reserve excluding Revaluation Reserve       7778738
      17   Analytical Ratios        
        i) Percentage of shares held by Government of India 63.97 63.97 63.97 63.97
        ii) Capital Adequacy Ratio(%) -Basel-III 15.46 15.68 15.40 15.68
          a) CET 1 Ratio (%) 11.24 11.42 11.25 11.42
          b) Additional Tier 1 Ratio (%) 1.73 1.76 1.81 1.76
        iii) Earnings Per Share        
        (a) Basic EPS before and after Extraordinary items net of tax expenses 
      (not annualized) [in  ₹]
      4.19 3.44 2.34 14.06
        (b) Diluted EPS before and after Extraordinary items net of tax expenses
      (not annualized) [in  ₹]
      4.19 3.44 2.34 14.06
        iv) NPA Ratios        
          a) Gross NPA 5259083 5405939 6302878 5405939
          b) Net NPA 1265274 1336465 2025997 1336465
          c)  Gross NPA to Gross Advances % 6.26 6.61 8.86 6.61
          d) Net NPA to NPA Advances % 1.58 1.72 3.03 1.72
        v) Return on Assets (annualized) % 0.68 0.57 0.42 0.60
        vi) Debt Equity ratio* 0.48 0.53 0.55 0.53
        vii) Total Debt to Total Assets Ratio** 0.09 0.08 0.05 0.08
        viii) Capital Redemption Reserve/ Debenture Redemption Reserve NA NA NA NA
        ix) Outstanding Redeemable Preference Shares NA NA NA NA
        x) Net Worth 6364040 6129873 5605225 6129873

      * Debt represents borrowings with residual maturity of more than one year. ** Total Debt represents total borrowings of the Bank.

  • Standalone Segment Reporting – SEBI Format

    Un-Audited (Reviewed) Standalone Segment Reporting for the Quarter Ended 30th June 2022

    Part A-Business Segments       ( ₹ in Lakhs)
    Sr. No. Particulars
    Quarter Ended
    Year Ended
    30.06.2022 31.03.2022 30.06.2021 31.03.2022
    Un-Audited Audited Un-Audited Audited
    1 Segment Revenue        
      (a) Treasury Operations 552372 511742 628701 2388049
      (b) Wholesale Banking 666252 660422 652031 2667777
      (c) Retail Banking 786735 842635 707462 2990987
      (d) Other Banking  Operations 6593 54791 3389 89660
      Total Revenue 2011952 2069590 1991583 8136473
    2 Segment Results        
      (a) Treasury Operations (16937) (13042) 156598 348892
      (b) Wholesale Banking 135759 (119724) 30120 154971
      (c) Retail Banking 302670 390598 92544 893970
      (d) Other Banking  Operations 6593 54791 3389 89660
      Total 428085 312623 282651 1487493
      Unallocated Expenditure 143813 122747 123109 548849
      Profit before Tax 284272 189876 159542 938644
      Provision for Tax 67459 11999 38679 211416
      Net Profit 216813 177877 120863 727228
    3 Segment Assets        
      (a) Treasury Operations 43956861 45267437 40610790 45267437
      (b) Wholesale Banking 48717725 47383925 40148137 47383925
      (c) Retail Banking 33921199 33002957 29767391 33002957
      (d) Other Banking  Operations                       -                         -                         -                             -  
      (e) Unallocated 1952804 2145664 1651971 2145664
      Total Assets 128548589 127799983 112178289 127799983
    4 Segment Liabilities        
      (a) Treasury Operations 40934516 42224468 37768225 42224468
      (b) Wholesale Banking 45368037 44198682 37337955 44198682
      (c) Retail Banking 31588877 30784432 27683813 30784432
      (d) Other Banking  Operations                       -                         -                         -                             -  
      (e) Unallocated 1818535 2001429 1536340 2001429
      Total Liabilities 119709965 119209011 104326333 119209011
    5 Capital Employed        
      (a) Treasury Operations 3022345 3042969 2842565 3042969
      (b) Wholesale Banking 3349688 3185243 2810182 3185243
      (c) Retail Banking 2332322 2218525 2083578 2218525
      (d) Other Banking  Operations                       -                         -                         -                             -  
      (e) Unallocated 134269 144235 115631 144235
      Total Capital Employed 8838624 8590972 7851956 8590972
               
    Part- B : Geographic Segments        
    Sr. No. Particulars Quarter Ended Year Ended
    30.06.2022 31.03.2022 30.06.2021 31.03.2022
    Un-Audited Audited Un-Audited Audited
    1 Revenue        
      (a) Domestic 1895535 1990172 1916411 7806724
      (b) International 116417 79418 75172 329749
      Total 2011952 2069590 1991583 8136473
    2 Assets        
      (a) Domestic 111079908 109087573 94553483 109087573
      (b) International 17468681 18712410 17624806 18712410
      Total 128548589 127799983 112178289 127799983
               
  • Statement of Assets & Liabilities - Standalone

      Statement of Assets & Liabilities

      ( ₹ in lakhs)

      Particulars
      Standalone
      As on
      30th June 2022
      As on
      30th June 2021
        Un-Audited Un-Audited
      CAPITAL & LIABILITIES    
      Capital 103553 103553
      Reserves and Surplus 8735071 7748402
      Deposits 103271408 93131688
      Borrowings 11945403 6160316
      Other Liabilities and Provisions 4493154 5034330
      T O T A L 128548589 112178289
      ASSETS    
      Cash and Balances with Reserve Bank of India 5915283 6263819
      Balances with Banks and Money at Call and Short Notice 3568445 6410379
      Investments 32984956 26094295
      Advances 79961565 66838154
      Fixed Assets 970959 782385
      Other Assets 5147381 5789257
      T O T A L 128548589 112178289
  • Notes To Standalone Financial Results:
    1. The above standalone financial results have been recommended by the Audit Committee of Board (hereinafter referred as “Bank”) and approved at the meeting of the Board of Directors held on July 30, 2022. The same has been subjected to limited review by Statutory Central Auditors of the Bank in line with the guidelines issued by the Reserve Bank of India and as per SEBI (Listing Obligations & Disclosure Requirements) Regulation 2015, as amended thereafter.
    2. The above standalone financial results for the quarter ended June 30, 2022 have been prepared in accordance with recognition and measurement principles laid down in  Accounting Standard (AS-25) on 'Interim Financial Reporting' issued by the Institute of Chartered Accountants of India.
    3. The Bank has continued to follow the same accounting policies and practices in preparation of financial results for the quarter ended June 30, 2022 as followed in the previous financial year ended March 31, 2022.
    4. The above financial results have been arrived at after considering necessary provision for Non-Performing Assets (NPAs), standard assets, restructured assets, Unhedged foreign currency exposure, depreciation/amortisation on investments & fixed assets, income tax, deferred tax, employee benefits and provisions for other items/assets are made on estimated basis and subject to adjustments, if any, at the year end.
    5. In terms of Reserve Bank of India (RBI) guidelines, Pillar 3 disclosures including leverage ratio, liquidity coverage ratio and Net stable funding ratio (NSFR) under the Basel- III framework are being made available on our website “https://www.bankofbaroda.in/shareholders-corner/disclosures-under-basel-iii . These disclosures have not been subjected to audit by Statutory Central Auditors of the Bank.
    6. During the quarter ended 30.06.2022, the Bank has exercised call option and redeemed Basel III Tier II bond - SERIES XII amounting to ₹ 85000 lakhs.
    7. As per RBI letters no. DBR.No.BP.15199/21.04.048/2016-17 and DBR.No.BP.1906/21.04.048/2017-18 dated June 23, 2017 and August 28, 2017 respectively, for the accounts covered under the provisions of Insolvency and Bankruptcy Code (IBC), the Bank is holding total provision of ₹766535 lakhs (100% of total outstanding) as on June 30, 2022.
    8. Based on the available financial statements and the declarations from borrowers, the Bank has estimated the liability for Unhedged Foreign Currency in terms of RBI circular DBOD.No.BP.BC.85/21.06.200/2013-14 dated January 15, 2014 and is holding a provision of ₹18074 lakhs as on June 30, 2022.
    9. Earlier, the spread of COVID-19 virus has led to significant volatility in Global and Indian financial markets during the last two years resulting into slowdown in the economic activity across the world. Indian economy has now recovered from the disruptions caused by the COVID 19 pandemic.
    10. Further, the Bank is taking proactive measures continuously to maintain and improve asset quality and therefore, believes that there may not be any significant impact on Bank’s future financial results.

    11. Bank has estimated the additional liability on account of revision in family pension for employees as per IBA Joint Note dated November 11, 2020, amounting to ₹ 145441 lakhs. However, RBI vide their Circular RBI/2021-22/105 DOR.ACC.REC.57/21.04.018/2021-22 dated 4th October 2021, has permitted Banks to amortize the said additional liability over a period of not exceeding 5 (five) years, beginning with financial year 2021-22, subject to a minimum of 1/5th of the total amount being expensed every year. Bank has opted the said provision, and accordingly charged an amount of ₹ 7272 lakhs to the Profit & Loss account for the quarter ended June 30, 2022 and the balance unamortized expense of ₹109081 lakhs has been carried forward. Had the Bank charged the entire additional liability to the Profit and Loss Account, the net profit (after tax) for the quarter ended June 30, 2022 would have been lower by ₹ 81625 lakhs.
    12. As per Directions of RBI vide letter no 10655/21.04.048/2018-19 dated 21.06.2019 disclosure with respect to accounts kept as standard due to the Court order, two accounts are classified as Standard as per Court orders, with aggregate outstanding of ₹ 23741 lakhs against which the Bank is holding provision of ₹ 6527 lakhs as on June 30, 2022 as per IRAC norms, including provision for unrealized interest.
    13. The Bank is holding additional provision of ₹ 46566 lakhs as of 30.06.2022 over and above the IRAC norms in certain stressed standard advances on prudent basis.
    14. In accordance with RBI Circular No. DBR.No.BP.BC.18/21.04.048/2018-19 dated 01.01.2019, RBI circular No DOR. No. BP. BC. 34/21.04.048/2019-20 dated 11.02.2020 & RBI circular No DOR. No. BP. BC/4/21.04.048/2020-21 dated 06.08.2020 on 'Restructuring of Advances - Micro, Small and Medium Enterprises (MSME) Sector' (One Time Restructuring), the details of MSME restructured borrowers as on 30.06.2022 is as under:
    15. (In ₹ Lakhs)

      No of borrowers

      Amount as on 30.06.2022

      94564

      694383

    16. In accordance with RBI circular No DOR.STR.REC.12/21.04.048/2021-22 dated 05.05.2021 & RBI circular No DOR.STR.REC.21/21.04.048/2021-22 dated 04.06.2021 on Resolution Framework 2.0 – Resolution of Covid-19 related stress of Micro, Small and Medium Enterprises (MSMEs), the details of accounts restructured is as under.
    17.  (In ₹ Lakhs)

      No of Borrowers

      Funded O/s as on 30.06.2022

      Provision Held

      17663

      169840

      22028

    18. In accordance with the RBI Cir. No. DOR.STR.REC.11/21.04.048/2021-22 dated 05.05.2021 on “Resolution Framework – 2.0: Resolution of COVID – 19 related stress of Individuals and Small Business”, the number of borrower accounts where modification were sanctioned and implemented and the aggregate exposure to such borrowers are as under:-   (In ₹ Lakhs)
    19. No of Accounts

      Aggregate exposure as on 30.06.2022

      6227

      59940

    20. As per RBI circular no. RBI/2018-19/203 DBR.No.BP.BC.45/21.04.048/2018-19 dated June 7, 2019 on Prudential Framework for Resolution of Stressed Assets, guidelines for implementation of Resolution Plan has been issued, also containing requirements of additional provisions as per para 17 of this RBI circular. The Bank is holding additional provision of ₹ 197355 lakhs as on 30.06.2022 in 26 nos. of accounts as detailed below.
    21. (In ₹ Lakhs)

      Amount of Loans impacted by RBI Circular

       

      (A)

      Amount of Loans to be classified as NPA

      (B)

      Amount of Loans as on 30.06.2022 out of (B) classified as NPA

      (C)

      Provision held as on 31.03.2022

       

       

      (D)

      Additional provision/ (reversal) made during quarter ended 30.06.2022

      (E)

      Provision held as on 30.06.2022

       

       

      (F)

      1017165

      962742

      962742

      194765

      2590

      197355

    22. As per the RBI circular no. RBI/2015-16/376 DBR No. BP.BC.92/21.04.048/2015-16 dated April 18, 2016 the Bank has opted to provide the liability for frauds over a period of four quarters. Accordingly, the carry forward provision as on June 30, 2022 is ₹ 7844 lakhs which is to be amortised in the subsequent quarters by the Bank.
    23. Non-Performing Assets Provisioning Coverage Ratio (including TWO/PWO) is 89.38% as on June 30, 2022.
    24. Number of Investors’ complaints pending at the beginning of the quarter was NIL. The Bank has received 84 Investors’ complaints during the quarter ended June 30, 2022. All complaints have been disposed off during the quarter. There are NIL pending Investors' complaints at the end of the quarter.
    25. A penalty of ₹ 54.91 lakhs has been imposed on the Bank by Reserve Bank of India during the quarter ended 30.06.2022.
    26. Disclosure as per the RBI Master directions ref no RBI/DOR/2021-22/86
      DOR.STR.REC.51/21.04.048/2021-22 “Master Direction – Reserve Bank of India (Transfer of Loan Exposures) Directions, 2021” dated 24.09.2021 is as under:
      1. In respect of "loan accounts not in default" # acquired from other entities as per the para 86 of Transfer of Loan Exposure guidelines.
      2.  

        Particulars

        30.06.2022

        (i)

        - Loans acquired through "assignment"

         

         

        - Aggregate amount of loans acquired (₹ in lakhs)

        70084

         

        - Weighted average residual maturity (In months)

        84.85

         

        - Weighted average holding period by originator (In Months)

        14.60

         

        - Average Retention  of beneficial economic interest by the transferor

        7.93%

         

        - Tangible security coverage of secured loans (times)

        1.84

         

        - Rating (CIC) wise distribution of rated loans (% of rated loans acquired)

         

         

           - - 650 & above upto 750

        38.74%

         

           - - Above 750

        61.26%

        (ii)

        Loans acquired through "novation"

        NIL

        (iii)

        Loans acquired through "Loan participation"

        NIL

        # The Loans not in default are identified on the basis of DPD in each underlying account at the time of purchase

      3. Details of stressed loans transferred is as under:            
      4. (₹ In Lakhs)

        Details of stressed loans (NPA Accounts) transferred during the period 01.04.22-30.06.22

         

        To ARCs

        To permitted transferees

        To other transferees

        No: of NPA accounts

        3

        -

        -

        Aggregate principal outstanding of loans transferred

        6500

        -

        -

        Weighted average residual tenor of the loans transferred

        -

        -

        -

        Net book value of loans transferred (at the time of transfer)

        482

        -

        -

        Aggregate consideration

        2837

        -

        -

        Additional consideration realized in respect of accounts transferred in earlier years

        -

        -

        -

        Quantum of excess provision reversed to the profit & loss account on account of sale of stressed loans

        2355

        -

        -

         

      5. Details of stressed Loan (NPAs) Acquired during FY 2022-23 – Nil
      6. The Distribution of the SRs held across the various categories of Recovery Ratings assigned to such SRs by the credit Rating Agencies as on 30.06.2022
      7. Recovery Rating Band

        Book Value (₹ In Lakhs)

        RR1

        8505

        RR2

        21131

        RR3

        4502

        RR4

        3839

        RR5

        403

        RR6

        902

        NR1

        4

        NR3

        1764

        NR4

        969

        NR5

        201

        NR6

        35456

        Rating withdrawn

        34368

        Grand Total

        112045

    27. Other income of the Bank includes recoveries made in written off accounts, commission/fee income on non-fund based banking activities, earnings from foreign exchange transactions, profit and loss on revaluation of investments, profit and loss on sale of investments and dividends from subsidiaries etc.
    28. Notes on Segment Reporting
      1. As per the guidelines of the RBI on compliance with the Accounting Standards, the bank has adopted “Treasury Operations”, “Wholesale”, “Retail” and “Other Banking Operations”, as primary business segments and “Domestic” and “International” as secondary / geographic segments for the purpose of compliance with Accounting Standard 17 on Segment Reporting notified under the Companies (Accounting Standard) Rules, 2006 as amended.
      2. Segment revenue represents revenue from external customers.
      3. Capital employed for each segment has been allocated proportionate to the assets of the respective segment.
    29. As per RBI circular DOR.AUT.REC.12/22.01.001/2022-23 dated 07.04.2022 on establishment of Digital Banking Units (DBUs), the Reserve Bank of India (RBI) has prescribed reporting of Digital Banking Segment as a sub segment of Retail Banking segment under Accounting Standard 17, Segment Reporting. The proposed Digital Banking Unit (DBU) of the Bank have not commenced operations and having regard to the discussions of the DBU working group formed by the Indian Banks’ Association (IBA) (which included representatives of Banks and RBI) , reporting of the Digital Banking as a separate sub segment of Retail Banking segment will be implemented by the Bank based on the decision of the DBU working Group
    30. The comparative figures for quarter ended March 31, 2022 are the balancing figures between audited figures in respect of the financial year 2021 -22 and the published year to date figures up to December 31, 2021 which were subject to limited review.
    31. The figures of the previous period have been regrouped / rearranged, wherever necessary, to conform to the current period classifications.

    Sanjiv Chadha
    Managing Director & CEO

    Ajay K Khurana
    Executive Director

    Vikramaditya Singh Khichi
    Executive Director

    Debadatta Chand
    Executive Director

    Joydeep Dutta Roy
    Executive Director

    Ian Desouza
    Chief Financial Officer

    G Ramesh
    General Manager - Corporate Accounts and Taxation

    Subrat Kumar Swain
    Dy. General Manager - Corporate Accounts and Taxation

    Place: Mumbai
    Date: 30 July, 2022

  • Consolidated Financial Results – SEBI Format

    Un-audited (Reviewed) Consolidated Financial Results for the Quarter Ended 30th June 2022

    ( ₹ in lakhs)

    Sr. No.   Particulars
    Quarter Ended
    Year Ended
    30.06.2022 31.03.2022 30.06.2021 31.03.2022
          Un-Audited Audited Un-Audited Audited
    1   Interest earned (a)+(b)+(c)+(d) 1998439 1909717 1802578 7338546
      (a) Interest /discount on advances / bills 1343241 1322487 1255765 5075066
      (b) Income on investments 556975 527525 462115 1953607
      (c) Interest on balances with Reserve Bank of India and other inter bank funds 31835 27962 24314 113829
      (d) Others 66388 31743 60384 196044
    2   Other Income 159237 337329 321220 1439473
    3   Total Income (1 + 2) 2157676 2247046 2123798 8778019
    4   Interest Expended 1049565 995571 955425 3881547
    5   Operating Expenses (a)+ (b) 679836 618972 569581 2483880
      (a) Employees cost 326689 290735 320515 1264383
      (b) Other operating expenses 353147 328237 249066 1219497
    6   Total Expenditure (4+5) excluding provisions and contingencies 1729401 1614543 1525006 6365427
    7   Operating Profit (3-6) before Provisions and Contingencies 428275 632503 598792 2412592
    8   Provisions (other than tax) and Contingencies 141126 431498 437710 1411762
    9   Exceptional Items               -               -                  -                 -  
    10   Profit (+) / Loss (-) from Ordinary Activities before tax (7-8-9) 287149 201005 161082 1000830
    11   Provision for Taxes 73210 12191 44162 230807
    12   Net Profit (+) / Loss (-) from Ordinary Activities after tax (10-11) 213939 188814 116920 770023
    13   Less: Minority Interest (217) 2104 2041 8329
    14   Add: Share of earnings in Associates (19766) 16445 3775 23275
    15   Extraordinary items (net of tax expenses)               -               -                  -                 -  
    16   Net Profit (+) / Loss (-) for the period (12-13+14+15) 194390 203155 118654 784969
    17   Paid-up equity share capital
    (Face Value of ₹ 2 each)
    103553 103553 103553 103553
    18   Reserve excluding Revaluation Reserve       8371723
    19   Analytical Ratios        
      i) Percentage of shares held by Government of India 63.97 63.97 63.97 63.97
      ii) Capital Adequacy Ratio(%) -Basel-III 16.03 16.19 16.38 16.19
      (a) CET 1 Ratio (%) 11.93 12.05 12.35 12.05
      (b) Additional Tier 1 Ratio (%) 1.67 1.70 1.74 1.70
      iii) Earnings Per Share        
      (a) Basic EPS before and after Extraordinary items net of tax expenses  (not annualized) [in ₹] 3.76 3.93 2.29 15.18
      (b) Diluted EPS before and after Extraordinary items net of tax expenses (not annualized) [in ₹] 3.76 3.93 2.29 15.18
      iv) NPA Ratios        
        Gross NPA
    Not Applicable
        Net NPA
    Gross NPA to Gross Advances %
        Net NPA to NPA Advances %
      v) Return on Assets (annualized) % 0.58 0.63 0.40 0.62
      vi) Debt Equity ratio* 0.52 0.56 0.58 0.56
      vii) Total Debt to Total Assets Ratio** 0.09 0.08 0.06 0.08
      viii) Capital Redemption Reserve/ Debenture Redemption Reserve NA NA NA NA
      ix) Outstanding Redeemable Preference Shares NA NA NA NA
      x) Net Worth 6805039 6587468 6078314 6587468

    * Debt represents borrowings with residual maturity of more than one year. ** Total Debt represents consolidated borrowings of the Group.

  • Consolidated Segment Reporting – SEBI Format

    Un-audited (Reviewed) Consolidated Segment reporting for the Quarter Ended 30th June 2022

    Part A-Business Segments       ( ₹ in Lakhs)
    Sr. No. Particulars
    Quarter Ended
    Year Ended
    30.06.2022 31.03.2022 30.06.2021 31.03.2022
    Un-audited Audited Un-Audited Audited
    1 Segment Revenue        
      (a) Treasury Operations 579035 542941 661151 2524648
      (b) Wholesale Banking 685941 680740 668880 2740217
      (c) Retail Banking 813952 869708 729622 3089991
      (d)Other Banking  Operations 78748 153657 64145 423163
      Total Revenue 2157676 2247046 2123798 8778019
    2 Segment Results        
      (a) Treasury Operations (12373) (8274) 167461 389611
      (b) Wholesale Banking 147924 (112802) 39365 187793
      (c) Retail Banking 305322 390423 94207 907901
      (d)Other Banking  Operations (26727) 72808 (13491) 88732
      Total 414146 342155 287542 1574037
      Unallocated Expenditure 146546 126809 124726 558261
      Profit before Tax 267600 215346 162816 1015776
      Provision for Tax 73210 12191 44162 230807
      Net Profit 194390 203155 118654 784969
    3 Segment Assets        
      (a) Treasury Operations 46141933 47445450 42856742 47445450
      (b) Wholesale Banking 49738791 48431819 41013009 48431819
      (c) Retail Banking 34654777 33666236 30401249 33666236
      (d)Other Banking  Operations 2180411 2261108 1087461 2261108
      (e) Unallocated 2003621 2209096 1718520 2209096
      Total Assets 134719533 134013709 117076981 134013709
    4 Segment Liabilities        
      (a) Treasury Operations 42918312 44193005 39782267 44193005
      (b) Wholesale Banking 46263882 45111757 38070800 45111757
      (c) Retail Banking 32233685 31358373 28220311 31358373
      (d)Other Banking  Operations 2028081 2106106 1009448 2106106
      (e) Unallocated 1863641 2057660 1595236 2057660
      Total Liabilities 125307601 124826901 108678062 124826901
    5 Capital Employed        
      (a) Treasury Operations 3223621 3252445 3074475 3252445
      (b) Wholesale Banking 3474909 3320062 2942209 3320062
      (c) Retail Banking 2421092 2307863 2180938 2307863
      (d)Other Banking  Operations 152330 155002 78013 155002
      (e) Unallocated 139980 151436 123284 151436
      Total Capital Employed 9411932 9186808 8398919 9186808
               
    Part- B : Geographic Segments
    Sr. No. Particulars
    Quarter Ended
    Year Ended
    30.06.2022 31.03.2022 30.06.2021 31.03.2022
    Un-audited Audited Un-Audited Audited
    1 Revenue        
      (a) Domestic 1995517 2114638 1999941 8242625
      (b) International 162159 132408 123857 535394
      Total 2157676 2247046 2123798 8778019
    2 Assets        
      (a) Domestic 114258127 112294306 96503884 112294306
      (b) International 20461406 21719403 20573097 21719403
      Total 134719533 134013709 117076981 134013709
  • Liquidity Coverage Ratio (LCR) Disclosure

      (₹ in crs)


      Name of the Bank : Bank of Baroda Daily Averages of Q1 Ending June 2022
      (Solo basis)
      Daily Averages of Q1 Ending June 2022
      (Consolidated basis)
      Total Unweighted Value Total Weighted Value Total Unweighted Value Total Weighted Value
      High Quality Liquid Assets
      1 Total High Quality Liquid Assets (HQLA)   2,26,487.91   2,31,231.53
      Cash Outflows
      2 Retail deposit and deposits from small business customers, of which:   6,48,657.31    61,554.21   6,69,283.80 63,352.29
      (i) Stable Deposits 66,230.29 3,311.51 71,521.76 3,576.09
      (ii) Less Stable Deposits   5,82,427.02 58,242.70   5,97,762.04 59,776.20
      3 Unsecured wholesale funding, of which:   1,76,456.96 98,042.82   1,85,425.61   1,03,311.73
      (i) Operational deposits (all counterparties)   -   -   -   -
      (ii) Non-operational deposits (all counterparties)   1,76,456.96 98,042.82   1,85,425.61   1,03,311.73
      (iii) Unsecured debt   -   -   -   -
      4 Secured wholesale Funding 66,069.75   - 66,069.75   -
      5 Additional requirements, of which   1,92,769.88 16,902.10   1,95,198.22 17,116.08
      (i) Outflows related to derivative exposures and other collateral requirements 34.52 34.52 34.52 34.52
      (ii) Outflows related to loss of funding on debt products   -   -   -   -
      (iii) Credit and liquidity facilities  1,92,735.36 16,867.58   1,95,163.70 17,081.56
      6 Other contractual funding obligations 1,184.22 1,184.22 1,406.58 1,406.58
      7 Other contingent funding obligations 83,670.94 2,510.13 84,806.73 2,544.20
      8 TOTAL CASH OUTFLOWS   11,68,809.06   1,80,193.48    12,02,190.69   1,87,730.88
      Cash Inflows
      9 Secured lending (e.g. reverse repos) 5,287.88   - 5,515.15   -
      10 Inflows from fully performing exposures 26,987.76 21,072.86 30,500.15 23,771.31
      11 Other cash inflows 2,661.42 1,916.42 2,845.84 2,011.75
      12 TOTAL CASH INFLOWS 34,937.06 22,989.28 38,861.14 25,783.06
          Total Adjusted Value Total Adjusted Value
      13 TOTAL HQLA   2,26,487.91   2,31,231.53
      14 TOTAL NET CASH OUTFLOWS 1,57,204.21 1,61,947.83
      15 LIQUIDITY COVERAGE RATIO (%) 144.07% 142.78%

      Note: The Liquidity Coverage Ratio mentioned above is the daily average of 66 working days for the quarter April - June 2022

  • Statement of Assets & Liabilities - Consolidated

    Statement of Assets & Liabilities

    ( ₹ in lakhs)

    Particulars
    Consolidated
    As on
    30th Jun 2022
    As on
    30th Jun 2021
      Un-audited Un-audited
    CAPITAL & LIABILITIES    
    Capital 103553 103553
    Reserves and Surplus 9308379 8295365
    Minority Interest 75920 45161
    Deposits 106156628 96069243
    Borrowings 12589346 6676953
    Other Liabilities and Provisions 6485707 5886706
    T O T A L 134719533 117076981
    ASSETS    
    Cash and Balances with Reserve Bank of India 6061489 6417999
    Balances with Banks and Money at Call and Short Notice 4063622 7128452
    Investments 36167104 28208852
    Advances 82015110 68597757
    Fixed Assets 997629 802038
    Other Assets 5323501 5899492
    Goodwill on Consolidation 91078 22391
    T O T A L 134719533 117076981
  • Notes To Consolidated Financial Results:

      NOTES TO CONSOLIDATED FINANCIAL RESULTS:

    1. The above consolidated financial results of Bank of Baroda (hereinafter referred as “Bank”) including Subsidiaries (hereinafter referred as “Group”), Joint Ventures and Associates have been recommended by the Audit Committee of Board and approved at the meeting of the Board of Directors held on July 30, 2022. The same has been subjected to limited review by Statutory Central Auditors of the Bank in line with the guidelines issued by the Reserve Bank of India and as per SEBI (Listing Obligations & Disclosure Requirements) Regulation, 2015, as amended thereafter.
    2. The above consolidated financial results are prepared in accordance with, Accounting Standard 21 on “Accounting for Consolidated Financial Statements”, Accounting Standard 23 on Accounting for “Investment in Associates”, Accounting Standard 25 on “Interim Financial Reporting” and Accounting Standard 27 on “Financial Reporting of Interest in Joint Venture” notified under the Companies (Accounting Standard) Rules, 2006 as amended.
    3. The Group has continued to follow the same accounting policies and practices in preparation of financial statement for the quarter ended June 30, 2022 as followed in the previous financial year ended March 31, 2022.
    4. The above financial results have been arrived at after considering necessary provision for Non-Performing Assets (NPAs), standard assets, restructured assets, Unhedged foreign currency exposure, depreciation/amortisation on investments & fixed assets, income tax, deferred tax, employee benefits and provisions for other items/assets are made on estimated basis and subject to adjustments, if any, at the year end.
    5. In accordance with Securities and Exchange Board of India (SEBI) regulations, for the purpose of consolidated financial results of the quarter ended June 30, 2022, minimum eighty percent of each of consolidated revenue, assets and profits have been subject to Audit.
    6. In terms of RBI guidelines, Pillar 3 disclosures including leverage ratio, liquidity coverage ratio and Net stable funding ratio (NSFR) under the Basel- III framework are being made available on our website “https://www.bankofbaroda.in/shareholders-corner/disclosures-under-basel-iii''. These disclosures have not been subjected to audit by Statutory Central Auditors of the Bank.
    7. The Consolidated Financial Results comprises the financial results of 8 Domestic Subsidiaries, 7 Overseas Subsidiaries, 2 Joint Ventures and 4 Associates including 3 Regional Rural Banks (RRBs) as under :-
    8. A. Subsidiaries

      Country of Incorporation

      Type

      Percentage of Holding

      i

      The Nainital Bank Limited

      India

      Banking

      98.57%

      ii

      BOB Financial Solutions Limited

      India

      Non-Banking

      100%

      iii

      BOB Capital Markets Limited

      India

      Non-Banking

      100%

      iv

      Baroda Global Shared Services Limited

      India

      Non-Banking

      100%

      v

      Baroda Sun Technologies Limited

      India

      Non-Banking

      100%

      vi

      Baroda BNP Paribas Asset Management India Private Limited

      India

      Non-Banking

      50.10%

      vii

      Baroda BNP Paribas Trustee India Private Limited (formerly known as Baroda Trustee India Private Limited)

      India

      Non-Banking

      50.10%

      viii

       IndiaFirst Life Insurance Company Limited

      India

      Non-Banking

      65.00%

      ix

      Bank of Baroda (Uganda) Limited (consolidated)

      Uganda

      Banking

      80%

      Baroda Capital Markets (Uganda) Limited (Subsidiary of Bank of Baroda (Uganda) Limited.)

      Uganda

      Non-Banking

      100%

      x

      Bank of Baroda (Kenya) Limited

      Kenya

      Banking

      86.70%

      xi

      Bank of Baroda (Botswana) Limited

      Botswana

      Banking

      100%

      xii

      Bank of Baroda (New Zealand) Limited

      New Zealand

      Banking

      100%

      xiii

      Bank of Baroda (Guyana) Inc.

      Guyana

      Banking

      100%

      xiv

      Bank of Baroda (UK) Limited

      United Kingdom

      Banking

      100%

      xv

      Bank of Baroda (Tanzania) Limited

      Tanzania

      Banking

      100%

      B. Joint Ventures

      i

      India Infradebt Limited

      India

      Non-Banking

      40.99%

      Ii

      India International Bank (Malaysia) Bhd

      Malaysia

      Banking

      40%

      C.  Associates

      i

      Baroda U.P. Bank

      India

      RRB

      35%

      ii

      Baroda Rajasthan Kshetriya Gramin Bank

      India

      RRB

      35%

      iii

      Baroda Gujarat Gramin Bank

      India

      RRB

      35%

      iv

      Indo Zambia Bank Limited   

      Zambia

      Banking

      20%

    9. As per Directions of RBI vide letter no 10655/21.04.048/2018-19 dated 21.06.2019 disclosure with respect to accounts kept as standard due to the Court order, two accounts are classified as Standard as per Court orders, with aggregate outstanding of ₹ 23741 lakhs against which the Bank is holding provision of ₹ 6527 lakhs as on June 30, 2022 as per IRAC norms, including provision for unrealized interest.
    10. The Bank is holding additional provision of ₹ 46566 lakhs as of 30.06.2022 over and above the IRAC norms in certain stressed standard advances on prudent basis.
    11. Based on the available financial statements and the declarations from borrowers, the Bank has estimated the liability for Unhedged Foreign Currency in terms of RBI circular DBOD.No.BP.BC.85/ 21.06.200/2013-14 dated January 15, 2014 and is holding a provision of ₹18074 lakhs as on June 30, 2022.
    12. Earlier, the spread of COVID-19 virus has led to significant volatility in Global and Indian financial markets during the last two years resulting into slowdown in the economic activity across the world. Indian economy has now recovered from the disruptions caused by the COVID 19 pandemic.
    13. Further, the Bank is taking proactive measures continuously to maintain and improve asset quality and therefore, believes that there may not be any significant impact on Bank’s future financial results.

    14. As per RBI letters no. DBR.No.BP.15199/21.04.048/2016-17 and DBR.No.BP.1906/21.04.048/2017-18 dated June 23, 2017 and August 28, 2017 respectively, for the accounts covered under the provisions of Insolvency and Bankruptcy Code (IBC), the Bank is holding total provision of ₹766535 lakhs (100% of total outstanding) as on June 30, 2022.
    15. Bank has estimated the additional liability on account of revision in family pension for employees as per IBA Joint Note dated November 11, 2020, amounting to ₹ 145441 lakhs. However, RBI vide their Circular RBI/2021-22/105 DOR.ACC.REC.57/21.04.018/2021-22 dated 4th October 2021, has permitted Banks to amortize the said additional liability over a period of not exceeding 5 (five) years, beginning with financial year 2021-22, subject to a minimum of 1/5th of the total amount being expensed every year. Bank has opted the said provision of RBI, charged an amount of ₹ 7272 lakhs to the Profit & Loss account for the quarter ended June 30, 2022 respectively and the balance unamortized expense of ₹109081 lakhs has been carried forward. Had the Bank charged the entire additional liability to the Profit and Loss Account, the net profit (after tax) for the quarter June 30, 2022 would have been lower by ₹ 81625 lakhs.
    16. In accordance with RBI Circular No. DBR.No.BP.BC.18/21.04.048/2018-19 dated 01.01.2019, RBI circular No DOR. No. BP. BC. 34/21.04.048/2019-20 dated 11.02.2020 & RBI circular No DOR. No. BP. BC/4/21.04.048/2020-21 dated 06.08.2020 on 'Restructuring of Advances - Micro, Small and Medium Enterprises (MSME) Sector (One Time Restructuring), the details of MSME restructured borrowers is as under :
    17. (In ₹ Lakhs)

      No of Accounts

      Amount as on 30.06.2022

      94566

      695820

    18. In accordance with RBI circular No DOR.STR.REC.12/21.04.048/2021-22 dated 05.05.2021 & RBI circular No DOR.STR.REC.21/21.04.048/2021-22 dated 04.06.2021 on Resolution Framework 2.0 – Resolution of Covid-19 related stress of Micro, Small and Medium Enterprises (MSMEs), the details of accounts restructured is as under.
    19. (In ₹ Lakhs)

      No of Accounts

      Amount as on 30.06.2022

      Provision Held

      17838

      171887

      22248

    20. In accordance with the RBI Cir. No. DOR.STR.REC.11/21.04.048/2021-22 dated 05.05.2021 on “Resolution Framework – 2.0: Resolution of COVID – 19 related stress of Individuals and Small Business”, the number of borrower accounts where modification were sanctioned and implemented and the aggregate exposure to such borrowers are as under:-    
    21. (In ₹ Lakhs)

      No of Accounts

      Aggregate exposure as on 30.06.2022

      6408

      62324

    22. As per the RBI circular no. RBI/2015-16/376 DBR No. BP.BC.92/21.04.048/2015-16 dated April 18, 2016 the Bank has opted to provide the liability for frauds over a period of four quarters. Accordingly, the carry forward provision as on June 30, 2022 is ₹ 7844 lakhs which is to be amortised in the subsequent quarters by the Bank.
    23. As per RBI circular no. RBI/2018-19/203 DBR.No.BP.BC.45/21.04.048/2018-19 dated June 7, 2019 on Prudential Framework for Resolution of Stressed Assets, guidelines for implementation of Resolution Plan has been issued, also containing requirements of additional provisions as per para 17 of this RBI circular. The Bank is holding additional provision of ₹ 197355 lakhs as on 30.06.2022 in 26 nos. of accounts as detailed below.
    24. (In ₹ Lakhs)

      Amount of Loans impacted by RBI Circular

      (A)

      Amount of Loans to be classified as NPA

      (B)

      Amount of Loans as on 30.06.2022 out of (B) classified as NPA

      (C)

      Provision held as on 31.03.2022

      (D)

      Additional provision/ (reversal) made during quarter ended 30.06.2022

      (E)

      Provision held as on 30.06.2022

      (F)

      1017165

      962742

      962742

      194765

      2590

      197355

    25. A penalty of ₹ 54.91 lakhs has been imposed on the Bank by Reserve Bank of India during the quarter ended 30.06.2022.
    26. Number of Investors’ complaints pending at the beginning of the quarter was NIL. The Bank has received 84 Investors’ complaints during the quarter ended June 30, 2022. All complaints have been disposed off during the quarter. There are NIL pending Investors' complaints at the end of the quarter.
    27. In the case of one of the subsidiary Nainital Bank Limited, the management of the subsidiary and the Parent has initiated various steps to improve the controls required as per various regulatory directions in the area of core Banking solution, classification and identification of loan losses and other supervisory functions. The management of Parent Bank does not foresee any material impact over the Group Financial position arising out of the same.
    28. Disclosure as per the RBI Master directions ref no RBI/DOR/2021-22/86
      DOR.STR.REC.51/21.04.048/2021-22 “Master Direction – Reserve Bank of India (Transfer of Loan Exposures) Directions, 2021” dated 24.09.2021 is as under:
      1. In respect of "loan accounts not in default" # acquired from other entities as per the para 86 of Transfer of Loan Exposure guidelines.
      2. Particulars

        30.06.2022

        (i)

        - Loans acquired through "assignment"

         

        - Aggregate amount of loans acquired (₹ in lakhs)

        70084

        - Weighted average residual maturity (In months)

        84.85

        - Weighted average holding period by originator (In Months)

        14.60

        - Average Retention  of beneficial economic interest by the transferor

        7.93%

        - Tangible security coverage of secured loans (times)

        1.84

        - Rating (CIC) wise distribution of rated loans (% of rated loans acquired)

         

           - - 650 & above upto 750

        38.74%

           - - Above 750

        61.26%

        (ii)

        Loans acquired through "novation"

        NIL

        (iii)

        Loans acquired through "Loan participation"

        NIL

        # The Loans not in default are identified on the basis of DPD in each underlying account at the time of purchase

      3. Details of stressed loans transferred is as under: (₹ In Lakhs)
      4. Details of stressed loans (NPA Accounts) transferred during the period 01.04.22-30.06.22

         

        To ARCs

        To permitted transferees

        To other transferees

        No: of NPA accounts

        3

        -

        -

        Aggregate principal outstanding of loans transferred

        6500

        -

        -

        Weighted average residual tenor of the loans transferred

        -

        -

        -

        Net book value of loans transferred (at the time of transfer)

        482

        -

        -

        Aggregate consideration

        2837

        -

        -

        Additional consideration realized in respect of accounts transferred in earlier years

        -

        -

        -

        Quantum of excess provision reversed to the profit & loss account on account of sale of stressed loans

        2355

        -

        -

      5. Details of stressed Loan (NPAs) Acquired during FY 2022-23 – Nil
      6. The Distribution of the SRs held across the various categories of Recovery Ratings assigned to such SRs by the credit Rating Agencies as on 30.06.2022
    29. Recovery Rating Band

      Book Value (₹ In Lakhs)

      RR1

      8505

      RR2

      21131

      RR3

      4502

      RR4

      3839

      RR5

      403

      RR6

      902

      NR1

      4

      NR3

      1764

      NR4

      969

      NR5

      201

      NR6

      35456

      Rating withdrawn

      34368

      Grand Total

      112045

    30. Other income of the Bank includes recoveries made in written off accounts, commission/fee income on non-fund based banking activities, earnings from foreign exchange transactions, profit and loss on revaluation of investments, profit and loss on sale of investments and dividends from subsidiaries etc.
    31. Notes on Segment Reporting
      1. As per the guidelines of the RBI on compliance with the Accounting Standards, the Bank has adopted “Treasury Operations”, “Wholesale”, “Retail” and “Other Banking Operations”, as primary business segments and “Domestic” and “International” as secondary / geographic segments for the purpose of compliance with Accounting Standard 17 on Segment Reporting notified under the Companies (Accounting Standard) Rules, 2006 as amended.
      2. Segment revenue represents revenue from external customers.
      3. Capital employed for each segment has been allocated proportionate to the assets of the respective segment.
    32. As per RBI circular DOR.AUT.REC.12/22.01.001/2022-23 dated 07.04.2022 on establishment of Digital Banking Units (DBUs), the Reserve Bank of India (RBI) has prescribed reporting of Digital Banking Segment as a sub segment of Retail Banking segment under Accounting Standard 17, Segment Reporting. The proposed Digital Banking Unit (DBU) of the Bank have not commenced operations and having regard to the discussions of the DBU working group formed by the Indian Banks’ Association (IBA) (which included representatives of Banks and RBI) , reporting of the Digital Banking as a separate sub segment of Retail Banking segment will be implemented by the Bank based on the decision of the DBU working Group
    33. The comparative figures for quarter ended March 31, 2022 are the balancing figures between audited figures in respect of the financial year 2021 -22 and the published year to date figures up to December 31, 2021 which were subject to limited review.
    34. The figures of the previous period have been regrouped/rearranged, wherever necessary, to conform to the current period classification.
    35. Sanjiv Chadha
      Managing Director & CEO

      Ajay K Khurana
      Executive Director

      Vikramaditya Singh Khichi
      Executive Director

      Debadatta Chand
      Executive Director

      Joydeep Dutta Roy
      Executive Director

      Ian Desouza
      Chief Financial Officer

      G Ramesh
      General Manager - Corporate Accounts and Taxation

      Subrat Kumar Swain
      Dy General Manager- Corporate Accounts and Taxation

      Place: Mumbai
      Date: 30 July, 2022

  • NSFR disclosure file for Q1 FY2022-23

    The RBI guidelines stipulated the implementation of NSFR effective from 1st October 2021 at a consolidated level with disclosure from quarter ended December 2021. Accordingly, the bank is computing the Consolidated NSFR. The NSFR is defined as the amount of Available Stable Funding relative to the amount of Required Stable Funding

    NFSR = Available stable funding (ASF) / Required stable funding (RSF)

    Available stable funding (ASF) is measured based on the broad characteristics of relative stability of funding sources, including contractual maturity of its liabilities and the differences in the tendency of different types of funding providers to withdraw their funding. Required Stable Funding (RSF) is a function of the liquidity characteristics and residual maturities of the various assets held by the bank including Off-Balance Sheet (OBS) exposures.

    The table attached herewith sets out the un-weighted and weighted value of the NSFR components as on 30th June 2022 based on audited financials.

    At a consolidated level, the NSFR of the bank comes out to 127.11 % as on 30th June 2022 against the requirement of 100% as per RBI guidelines.

    NSFR as of 30th June 2022 ( Rs.in Crore) Unweighted value by residual maturity Weighted value
    No maturity < 6 months 6 months to < 1yr ≥ 1yr
       ASF Item          
    1 Capital: (2+3) 84,050.68 1,350.00 0.00 24,435.61 1,09,836.29
    2 Regulatory capital 84,050.68 1,350.00 0.00 20,651.61 1,06,052.29
    3 Other capital instruments 0.00 0.00 0.00 3,784.00 3,784.00
    4 Retail deposits and deposits from small business customers: (5+6) 3,45,948.45 1,61,834.53 1,45,104.38 77,230.41 6,61,159.68
    5 Stable deposits 34,327.92 19,547.21 19,911.71 7,286.92 77,020.07
    6 Less stable deposits 3,11,620.53 1,42,287.32 1,25,192.67 69,943.49 5,84,139.61
    7 Wholesale funding: (8+9) 67,377.23 71,436.52 72,502.54 1,11,308.85 2,11,543.01
    8 Operational deposits 0.00 0.00 0.00 0.00 0.00
    9 Other wholesale funding 67,377.23 71,436.52 72,502.54 1,11,308.85 2,11,543.01
    10 Other liabilities: (11+12) 65,552.95 1,12,033.43 0.00 0.00 0.00
    11 NSFR derivative liabilities   0.00 0.00 0.00  
    12 All other liabilities and equity not included in the above categories 65,552.95 1,12,033.43 0.00 0.00 0.00
    13 Total ASF (1+4+7+10)         9,82,538.98
     
       RSF Item
    14 Total NSFR high-quality liquid assets (HQLA)         9,745.77
    15 Deposits held at other financial institutions for operational purposes 1,067.48 879.48 0.00 0.00 973.48
    16 Performing loans and securities: (17+18+19+21+23) 2,965.73 1,03,523.32 84,092.40 5,91,367.44 5,38,716.65
    17 Performing loans to financial institutions secured by Level 1 HQLA 0.00 0.00 0.00 0.00 0.00
    18 Performing loans to financial institutions secured by non-Level 1 HQLA and unsecured performing loans to financial institutions 2,311.44 51,521.70 26,381.02 2,517.86 24,907.88
    19 Performing loans to non- financial corporate clients, loans to retail and small business customers, and loans to sovereigns, central banks and PSEs, of which: 483.64 47,832.37 57,004.19 4,24,014.15 3,94,006.66
    20 With a risk weight of less than or equal to 35% under the Basel II Standardised Approach for credit risk 0.00 15,101.18 11,764.07 1,21,328.78 81,390.52
    21 Performing residential mortgages, of which: 0.00 85.70 37.17 1,02,265.19 66,680.79
    22 With  a risk  weight of less than or equal to 35% under the Basel II Standardised Approach for credit risk 0.00 1.12 18.43 68,355.43 44,581.52
    23 Securities that are not in default and do not qualify as HQLA, including exchange-traded equities 170.64 4,083.55 670.02 62,570.24 53,121.32
    24 Other assets: (sum of rows 25 to 29) 63211.32 4411.54 238.76 144397.83 212000.49
    25 Physical traded commodities, including gold   0.00 0.00 0.00 0.00
    26 Assets posted as initial margin for derivative contracts and contributions to default funds of CCPs   1,726.34 0.00 0.00 1,467.39
    27 NSFR derivative assets   1,537.18 0.00 1,686.78 3,223.96
    28 NSFR derivative liabilities before deduction of variation margin posted 114.25 0.00 0.00 114.25
    29 All other assets not included in the above categories 63,211.32 1,033.77 238.76 1,42,711.05 2,07,194.89
    30 Off-balance sheet items   2,64,018.30 0.00 1,131.95 11,568.04
    31 Total RSF (14+15+16+24+30)   7,73,004.42
    32 Net Stable Funding Ratio (%)   127.11%

Add this website to home screen

Are you Bank of Baroda Customer?

This is to inform you that by clicking on continue, you will be leaving our website and entering the website/Microsite operated by Insurance tie up partner. This link is provided on our Bank’s website for customer convenience and Bank of Baroda does not own or control of this website, and is not responsible for its contents. The Website/Microsite is fully owned & Maintained by Insurance tie up partner.


The use of any of the Insurance’s tie up partners website is subject to the terms of use and other terms and guidelines, if any, contained within tie up partners website.


Proceed to the website


Thank you for visiting www.bankofbaroda.in

X
We use cookies (and similar tools) to enhance your experience on our website. To learn more on our cookie policy, Privacy Policy and Terms & Conditions please click here. By continuing to browse this website, you consent to our use of cookies and agree to the Privacy Policy and Terms & Conditions.