Bank Of Baroda · NSE:BANKBARODA

Bank Of Baroda — Q2 FY2022 Earnings Presentation

40 slides from Bank Of Baroda's earnings presentation, Nov 10, 2021

  1. Slide 1: Performance Analysis Q2 FY 2022

    Performance Analysis Q2 FY 2022 1

  2. Slide 2: Major Highlights

    Major Highlights © 2021 Bank of Baroda. All Rights Reserved Page | 2

  3. Slide 3: Major Highlights

    Major Highlights Business Details (INR crore) Key performance drivers Sep 30, 2020 Sep 30, 2021 YoY Domestic CASA Deposits 3,32,493 3,75,766 13.01 Domestic CASA Ratio (%) Net Profit (INR crore) 305.08% YoY Domestic Current 368 bps YoY 52,104 60,098 15.34 Deposits 3,296 Domestic Savings 43.21 43.46 2

  4. Slide 4: Financial Performance

    Financial Performance © 2021 Bank of Baroda. All Rights Reserved Page | 4

  5. Slide 5: Key Ratios

    Key Ratios Cost of Deposits NIM Domestic Domestic Global International 3.12% 2.90% 2.88% 2.90% 2.73% 4.42% 4.27% 4.10% 3.92% 3.84% 3.99% 3.85% 3.71% 3.55% 3.52% Mar'21 Jun'21 Sep'21 Sep'20 Sep'21 International 0.97% 0.81% 0.63% 1.57% 0.50% 0.45% 1.33% 1.28% 1.33% 1.21% Sep'20 Dec'20 Mar'21 Jun'21 Se

  6. Slide 6: Operating Performance

    Operating Performance Particulars Q2 FY21 Q1 FY22 Q2 FY22 YOY (%) H1 FY21 H1 FY22 YOY (%) (INR crore) Interest on advances 12,740 12,168 11,644 -8.60 25,820 23,812 -7.78 Interest on investments 4,257 4,071 4,212 -1.04 8,771 8,284 -5.55 Other Interest income 823 813 835 1.51 1,723 1,649 -4.29 Total I

  7. Slide 7: Non-Interest Income

    Non-Interest Income Particulars Q2 FY21 Q1 FY22 Q2 FY22 YOY (%) H1 FY21 H1 FY22 YOY (%) (INR crore) Commission, Exchange, 669 533 709 5.90 1,163 1,242 6.79 Brokerage Incidental Charges 233 241 288 23.43 409 529 29.34 Other Miscellaneous Income 287 287 276 -3.83 486 565 16.26 Forex Income 232 445 226

  8. Slide 8: Operating Expenses

    Operating Expenses Particulars Q2 FY21 Q1 FY22 Q2 FY22 YOY (%) H1 FY21 H1 FY22 YOY (%) (INR crore) Employee Cost 2,750 3,059 3,114 13.24 5,270 6,174 17.15 of which: Salaries 1,944 2,353 2,325 19.60 4,064 4,679 15.13 Provisions for 806 706 789 -2.11 1,207 1,495 23.86 employees Other Operating Expense

  9. Slide 9: Profit Position

    Profit Position Particulars Q2 FY21 Q1 FY22 Q2 FY22 YOY (%) H1 FY21 H1 FY22 YOY (%) (INR crore) Operating Profit 5,361 5,601 5,670 5.76 9,881 11,270 14.06 Total Provisions 2,811 4,006 2,754 -2.04 8,638 6,759 -21.76 of which Provision for NPA & Bad 2,277 2,557 2,600 14.20 5,735 5,157 -10.07 Debts Wri

  10. Slide 10: Business Performance

    Business Performance © 2021 Bank of Baroda. All Rights Reserved Page | 10

  11. Slide 11: Deposits

    Deposits Particulars Sep’20 Jun’21 Sep’21 YOY (%) % share in Domestic Deposits in Sep’ 21 (INR crore) Domestic CASA Deposits 3,32,493 3,62,044 3,75,766 13.01 Savings Deposits Domestic Saving 37% 2,80,388 3,04,350 3,15,668 12.58 Deposits Domestic Current Term 52,104 57,694 60,098 15.34 Deposits depos

  12. Slide 12: Advances

    Advances Particulars Sep’20 Jun’21 Sep’21 YOY (%) (INR crore) % share in Gross Domestic Credit in Sep’ 21 Retail* 1,11,944 1,19,729 1,23,424 10.25 Others (incl Agriculture LABOD & Home Loans* 70,710 73,228 74,308 5.09 16.2% Staff loans) 3.7% Auto Loans* 17,783 20,970 21,904 23.17 Mortgages Loans* 12

  13. Slide 13: Risk profile – Retail loans

    Risk profile – Retail loans As on 30.09.2020 As on 31.03.2021 As on 30.09.2021 0% 0% 0% 16% 18% 16% 11% 10% 12% 70% 72% 74% Above 725 701-725 Up to 700 -1 Above 725 701-725 Up to 700 0 & -1 Above 725 701-725 Upto 700 0 & -1 *Based on Amt. *CIBIL scores (V1) as on 01.04.2019 have been converted into

  14. Slide 14: Industry-wise outstanding

    Industry-wise outstanding Sep ’21 Rating Profile Particulars (INR crore) Outstanding share Infrastructure of which 80,067 12.84% 1. Power 38,489 6.17% 2. Telecom 9,164 1.47% 3. Roads & Ports 16,349 2.62% 4. Other Infrastructure 16,065 2.58% 73% 74% 76% Basic Metals & Metal Industry 15,258 2.45% of w

  15. Slide 15: Segment wise breakup & Ratings of NBFC Standard Outstanding

    Segment wise breakup & Ratings of NBFC Standard Outstanding Rating Profile of NBFCs Standard Outstanding NBFC portfolio by ownership Particulars Jun’21 Sep’21 Outstanding Outstanding % Share % Share (INR cr) (INR cr) 18% 24% Pvt others AAA 47,608 57.37 57,172 62.83 Backed by Large 38% Private Instit

  16. Slide 16: Treasury operations

    Treasury operations Particulars • Domestic investment book comprises of 62.17% in HTM; Sep ’20 Jun ’21 Sep ’21 (INR crore) 37.68% in AFS and 0.15% in HFT. Domestic • The percentage of Investments in SLR Securities to NDTL at 2,56,715 2,48,671 2,68,592 Investments Sep 30, 2021 was at 24.77%. of which

  17. Slide 17: Financial Inclusion

    Financial Inclusion Total Financial Inclusion Accounts Balance /Avg Balance in FI accounts (in Lakh) Zero Balance Accounts (%) 618 22,930 23,972 5.4% 5.4% 5.5% 601 20,029 566 3,815 3,879 3,539 Sep'20 Jun'21 Sep'21 Sep'20 Jun'21 Sep'21 Market Share* of BOB in PMJDY Accounts (%) Sep'20 Jun'21 Sep'21 B

  18. Slide 18: Asset Quality

    Asset Quality © 2021 Bank of Baroda. All Rights Reserved Page | 18

  19. Slide 19: Movement of NPAs

    Movement of NPAs Particulars Q2 FY21 Q1 FY22 Q2 FY22 (INR crore) A. Opening Balance 69,132 66,671 63,029 B. Additions 1,484 6,194 5,802 Out of which, Fresh Slippages 899 5,129 5,223 C. Reductions 4,954 9,836 9,327 Recovery 1,642 1,027 1,966 Upgradation 525 3,408 2,106 Write-Offs 2,553 4,660 5,213 Ot

  20. Slide 20: Sectoral & Industry wise Contribution of NPAs

    Sectoral & Industry wise Contribution of NPAs Sector-wise NPA Industry-wise NPA Particulars (INR crore) Q2 FY21 Q1 FY22 Q2 FY22 Particulars (INR crore) Q2 FY21 Q1 FY22 Q2 FY22 Infrastructure of which 7,837 7,006 4,904 Corporate 32,038 20,874 18,769 1. Power 1,387 2,718 2,719 2. Telecom 3,825 2,107 1

  21. Slide 21: Asset Quality: Sectoral Fresh Slippages

    Asset Quality : Sectoral Fresh Slippages Fresh Slippages CRILC o/s SMA1 and SMA 2 (%) Particulars (INR Q2 FY21 Q1 FY22 Q2 FY22 crore) Corporate 30 362 2941 MSME 168 2,180 1,095 Retail 56 1,245 451 Agriculture 46 1,086 639 2.52 2.68 1.87 Others 6 28 12 Total Domestic 305 4,901 5,138 Sep-20 Jun-21 Sep

  22. Slide 22: Exposure to NCLT Accounts

    Exposure to NCLT Accounts 47427 32562 99.30% 98.32% 94.93% 93.31% 79.22% 5222 6802 2841 RBI 1 List RBI 2 List Accounts filed Accounts filed Total RBI 1 List RBI 2 List Accounts filed Accounts filed Total by BOB at by other banks by BOB at by other banks NCLT at NCLT NCLT at NCLT Exposure in INR Cror

  23. Slide 23: Capital Adequacy

    Capital Adequacy © 2021 Bank of Baroda. All Rights Reserved Page | 23

  24. Slide 24: Capital Adequacy

    Capital Adequacy 15.55% 16.06% Tier II 14.99% 15.40% 2.29% 13.26% 12.93% 2.32% 2.34% 2.34% AT-1 1.75% 2.51% 1.81% 1.82% 2.36% 1.73% CET-1 1.54% 1.59% 10.94% 11.25% 11.39% 12.02% 9.21% 8.98% Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Consol Sep'21 Sep ’21 Particulars (INR crore) Sep ’20 Jun ’21 Sep ’21 (Cons

  25. Slide 25: bob World

    bob World © 2021 Bank of Baroda. All Rights Reserved Page | 25

  26. Slide 26: Introducing bob World

    Introducing bob World Invest Borrow Save Shop © 2021 Bank of Baroda. All Rights Reserved Page | 26

  27. Slide 27: bob World – 3 E Pillars

    bob World – 3 E Pillars Enablement Engagement Experience © 2021 Bank of Baroda. All Rights Reserved Page | 27

  28. Slide 28: Enablement of New Customer Journeys

    Enablement of New Customer Journeys S ave B orrow Dig ital Account Invest S hop Opening 225+ Services provided in the 95% Retail banking services coverage app © 2021 Bank of Baroda. All Rights Reserved Page | 28

  29. Slide 29: Experience Reimagined - Key Design Principles

    Experience Reimagined - Key Design Principles SAVE Discovery •Completely digital A/c opening in 10 mins •Open Tax Saving FD & R D s directly from the App Enable Discovery of Features through •Best-in-class welcome offers architecture & user flow rework •Instant universal payments instrument •QR Code

  30. Slide 30: bob World Statistics

    bob World Statistics App Downloads Activated Users Daily Active Users PL through bob World 26 Million 14 Million 4 Million 90% With 60 lakhs daily txns Lifetime (financial & non-financial) % IMPS txns through % Billpay txn through % Fastag issuance through % FDs opened through bob World bob World bo

  31. Slide 31: Digital Traction

    Digital Traction © 2021 Bank of Baroda. All Rights Reserved Page | 31

  32. Slide 32: Digital Traction (Q2 FY22) 1/2

    Digital Traction (Q2 FY22)…1/2 1st 2nd 3rd Rank in MEITY Rank in Debit Card Rank in UPI Digital Index # Issuance remittance # Feb-March’21 ranking Source: MEITY as of 30.09.2021 Source: NPCI Source: RBI 99.71% 85% 89% UPI Remittance Success Rate Transactions done Passbook updates digitally done digi

  33. Slide 33: Digital Traction (Q2 FY22) 2/2

    Digital Traction (Q2 FY22)….2/2 33% 97% 59% Digitally active customers Digital PL Digital Retail Loans Sanctioned as of 30.09.2021 Q2 FY22 Sept’21 47% 49% 97% MSME Loans MSME Loans Credit Card leads Processed Digitally Renewed Digitally sourced digitally Sept’21 Sept’21 Q2 FY22 Analytics Centre of E

  34. Slide 34: Consolidated Financials

    Consolidated Financials © 2021 Bank of Baroda. All Rights Reserved Page | 34

  35. Slide 35: Subsidiaries and JVs performance

    Subsidiaries and JVs performance IndiaFirst Life Insurance Co. Ltd.- 100% Domestic Subsidiary 100% Domestic Subsidiary Baroda Joint Venture of 44% BOB Financial Solutions Limited Asset Management India Limited  Number of Cards as of September 30,  Baroda Asset Management India Limited. The  India

  36. Slide 36: Subsidiaries and JVs performance

    Subsidiaries and JVs performance India Infradebt Ltd.- Joint Venture 100% Domestic Subsidiary 100% Domestic Subsidiary of 40.99% Baroda Global Shared Services Ltd. BOB Capital Markets Ltd.  India Infradebt focused on disbursement in  BGSS total income grew by 85% YoY in first 2  The gross revenue

  37. Slide 37: Overseas Subsidiaries and JVs performance

    Overseas Subsidiaries and JVs performance Bank of Baroda (Uganda) Ltd. Bank of Baroda (Kenya) Ltd. Bank of Baroda (UK) Ltd.  Total Deposits of Bank of Baroda (Uganda)  Total Deposits of Bank of Baroda (Kenya)  Total Deposits of Bank of Baroda (UK) stood at stood at INR 3,264 crore as of H1FY22 st

  38. Slide 38: Balance Sheet and PL – Consolidated

    Balance Sheet and PL– Consolidated Particulars Particulars Sep ’20 Jun ’21 Sep ’21 Q2 FY21 Q2 FY22 YOY (%) (INR crore) (INR crore) CAPITAL & LIABILITIES Capital 925 1,036 1,036 Net Interest Income 7,942 8,036 1.18 Share Application Money Pending 0 0 Non Interest Income 3,122 4,458 42.79 Allotment Re

  39. Slide 39: Disclaimer

    Disclaimer The information contained in this presentation is provided by Bank of Baroda (the “Bank”) to you solely for your information. This document is highly confidential and being given solely for your use and may not be retained by you and neither this presentation nor any part thereof may be (

  40. Slide 40: Thank You

    Thank You Try bob World Scan QR code to download © 2021 Bank of Baroda. All Rights Reserved Page | 40

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