Bank Of Baroda · NSE:BANKBARODA
Bank Of Baroda — Q2 FY2020 Earnings Presentation
70 slides from Bank Of Baroda's earnings presentation, Nov 8, 2019
Slide 1: Performance Analysis Q2 FY 2020
Performance Analysis Q2 FY 2020 Nov 8, 2019
Slide 2: Safe Harbor
Safe Harbor This presentation has been prepared by Bank of Baroda (the projections, our exposure to market risks as well as other risks. “Bank”) solely for information purposes, without regard to any Bank of Baroda undertakes no obligation to update the forward- specific objectives, financial situat
Slide 3: Contents
Contents Major Highlights Business Performance Financial Performance Asset Quality Capital Adequacy & Shareholding Integration Strengths & Initiatives Consolidated Financials © 2019 Bank of Baroda. All Rights Reserved Page | 3
Slide 4: Major Highlights
Major Highlights © 2019 Bank of Baroda. All Rights Reserved Page | 4
Slide 5: Major Highlights for Q2FY20
Major Highlights for Q2FY20 Operating Profit for Sep 19 increased to INR 5,336 crore registering Y-o-Y and Q-o-Q growth of 23.2% and 1 24.8% respectively. Non-interest income increased by 40.7% led by trading gains. Net profit increased to INR 737 crore compared with a profit of INR 149 crore in the
Slide 6: Snapshot as on Sep 30, 2019
Snapshot as on Sep 30,2019 Results for Q2 FY 20 Ratios for Q2 FY 20 Amount in Change % Key Performance Ratio (%) Performance Parameter INR crore (YOY) Return on Assets (annualised) 0.28 Total Deposits 8,94,130 2.09 Capital Adequacy Ratio (Standalone) 12.98 (Basel III, Tier 1: 10.91%) Net Advances 6,
Slide 7: Progress in the quarter
Progress in the quarter Particulars Particulars Jun 30, 2019 Sep 30, 2019 Jun 30, 2019 Sep 30, 2019 (INR crore) (INR crore) Total Business 15,28,723 15,31,470 Gross NPA 69,714 69,969 Total Deposits 8,95,542 8,94,130 Net NPA 25,030 24,894 Domestic Deposits 7,85,861 7,83,492 Net NPA Ratio 3.95% 3.91%
Slide 8: Business Performance
Business Performance © 2019 Bank of Baroda. All Rights Reserved Page | 8
Slide 9: Business Performance (1/2)
Business Performance (1/2) Terminal Figures Particulars Sep’18 Jun’19 Sep’19 YOY (%) (INR crore) Total Business 14,94,695 15,28,723 15,31,470 2.46 Domestic Business 12,75,995 13,18,915 13,16,666 3.19 Total Deposits 8,75,861 8,95,542 8,94,130 2.09 Domestic Deposits 7,53,046 7,85,861 7,83,492 4.04 CAS
Slide 10: Business Performance (2/2)
Business Performance (2/2) Average Figures* Particulars Sep’18 Jun’19 Sep’19 YOY (%) (INR crore) Total Business 14,84,869 15,49,613 15,54,907 4.72 Domestic Business 12,68,571 13,41,558 13,38,019 5.47 Total Deposits 8,50,856 8,80,579 8,78,628 3.26 Domestic Deposits 7,35,095 7,76,942 7,71,946 5.01 CAS
Slide 11: Sustained CASA Growth
Sustained CASA Growth Terminal Figures Average Figures* 312,022 300,313 294,193 301,572 296,792 284,043 294,424 281,521 278,542 287,196 275,989 262,027 Sep'18 Jun'19 Sep'19 Sep'18 Jun'19 Sep'19 Domestic CASA Deposits Global CASA Deposits Domestic CASA Deposits Global CASA Deposits * Average business
Slide 12: Cost of Deposits
Cost of Deposits 5.48% 5.39% 5.41% 5.10% 5.02% 4.89% Sep ’18 Jun'19 Sep'19 Global Deposits Domestic Deposits • Cost of domestic deposits has gone down sequentially © 2019 Bank of Baroda. All Rights Reserved Page | 12
Slide 13: Credit Portfolio- well diversified
Credit Portfolio- well diversified % share in Gross Domestic Credit in Sep’ 19 Particulars Sep ’18 Jun ’19 Sep ’19 Agriculture Others (incl LABOD & (INR crore) 14.08% Staff loans) 3.68% Corporate 2,72,803 2,68,428 2,71,901 Retail (excl MSME 89,553 84,953 84,581 LABOD) Corporate 19.92% 47.54% Retail
Slide 14: Steady Retail Loan Growth - Terminal
Steady Retail Loan Growth - Terminal Retail Credit – By Segment (INR crore) Percentage Growth in Retail and Home loans 22.12% 20.54% 1,13,922 18.96% 1,12,233 17.13% 16.24% 14,904 12.98% 14,887 98,008 4,599 4,962 12,056 12,415 13,196 4,440 9,940 80,332 80,859 71,571 Sep'18 Jun'19 Sep'19 Mar'19 Jun'19
Slide 15: Risk profile- Post Amalgamation
Risk profile- Post Amalgamation As on 01.04.2019 HY1 2019 - 20 6% 15% 17% 4% 7% 8% 69% 74% 760 + 725-760 <725 -1 and 0 760 + 725-760 <725 -1 and 0 *Based on Amt. © 2019 Bank of Baroda. All Rights Reserved Page | 15
Slide 16: MSME Portfolio CIBIL-CMR/CRIF Rank-wise
MSME Portfolio CIBIL –CMR/CRIF Rank-wise 100% 100% Standard Portfolio Distribution %- %share of Standard advances Graded as per CRIF rating NPA % CMR rank wise CMR Rank 98% 100% 95% 100% 93% 98% 95% 88% 93% 87% 4.98% 75% 75% 60% 47% 16.56 61% 19.24% 49% % 31% 32% 28% 27.31% 22% 29% 31.91 23% % 12% 1
Slide 17: Improving Rating Profile
Improving Rating Profile Incremental data from Sep 18 to Sep 19 53.84% 56.69% 58.64% 70.87% 17.13% 15.48% 11.86% 14.24% 8.99% 18.78% 16.63% 7.73% 11.19% 15.26% 10.25% 12.41% Sep'18 Jun'19 Sep'19 Origination Sep'18 to Sep'19 A & Above BBB Below BBB Unrated A & Above BBB Below BBB Unrated *External Ra
Slide 18: Capital optimization in Corporate Book
Capital optimization in Corporate Book 47% 45% 46% 44% 10% 10% 8% 7% Sep'18 Mar'19 Jun'19 Sep'19 RWA to Corporate Exposure ratio Ratio of RWA to Un-utilised Exposures © 2019 Bank of Baroda. All Rights Reserved Page | 18
Slide 19: Industry-wise Exposure
Industry-wise Exposure Sep ’18 Jun ’19 Sep ’19 Particulars (INR crore) Outstanding %share Outstanding %share Outstanding %share Infrastructure of which 78,815 14.01 81,952 14.34 68,087 11.90 1. Power 36,430 6.48 40,048 7.01 36,064 6.30 2. Telecom 6,756 1.20 11,472 2.01 11,653 2.04 3. Roads & Ports 1
Slide 20: Segment wise breakup and Ratings of NBFC exposure
Segment wise breakup and Ratings of NBFC exposure Segment wise breakup of NBFC exposure Rating Profile of NBFCs Particulars (INR crore) Jun ’19 Sep ’19 Particulars Jun’19 Sep’19 Asset Finance Company (AFC) Exposure Exposure 15,699 13,830 % Share % Share (INR cr) (INR cr) Housing Finance Company (HFC
Slide 21: Yield on Advances
Yield on Advances 9.00% 8.73% 8.55% 8.15% 8.00% 7.80% Sep'18 Jun' 19 Sep'19 Domestic Global © 2019 Bank of Baroda. All Rights Reserved Page | 21
Slide 22: Treasury operations
Treasury operations Particulars • Domestic investment book comprises of 68.17% in Sep ’18 Jun ’19 Sep ’19 (INR crore) HTM; 31.63% in AFS and 0.20% in HFT. Domestic Investments 2,59,073 2,45,687 2,54,785 • The percentage of SLR Securities to NDTL at Sept 30, 2019 was at 25.96%. of which 2,21,557 2,08
Slide 23: Yield on Investment
Yield on Investment 7.54% 7.51% 7.42% 7.38% 7.28% 7.21% Sep' 18 Jun'19 Sep'19 Domestic Global © 2019 Bank of Baroda. All Rights Reserved Page | 23
Slide 24: Business Performance-International
Business Performance-International Particulars Sep’18 Jun’19 Sep’19 YOY (%) QOQ (%) (INR crore) Terminal Figures Total Business 218,700 2,09,807 214,804 -1.78% 2.38% Total Deposits 122,815 1,09,681 110,638 -9.91% 0.87% CASA Deposits 18,435 14,376 15,231 -17.38% 5.95% Total Saving Deposits 4,644 2,58
Slide 25: Cluster wise Business of Overseas branches
Cluster wise Business of Overseas branches 1.80% 1.79% 1.81% 2.06% 2.28% 2.23% 11.65% 10.99% 12.72% 12.53% 13.62% 14.21% 22.13% 17.01% 16.26% 23.80% 20.71% 18.27% 32.72% 32.36% 32.35% 34.05% 35.17% 30.96% 32.72% 35.74% 32.35% 32.13% 31.79% 31.79% Jun '18 Sep '18 Dec'18 Mar'19 Jun'19 Sep'19 America G
Slide 26: Breakup of Advances - International
Breakup of Advances -International Particulars As % of As % of As % of Sep’18 Total Jun’19 Total Sep’19 Total (INR Crores) Advances Advances Advances Buyer’s Credit 15,629 15.10% 1,818 1.69% 1,488 1.34% New Trade Credit (Supplier’s credit/ UPAS) 7,386 7.14% 15,734 14.66% 17,289 15.52% BP / BD under
Slide 27: Impact of Rationalisation of International Operations
Impact of Rationalisation of International Operations/ Subsidiarisation in UK and discontinuation of LOU in Buyers Credit Amount of Decline in Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Total Business (INR crore) Exchange rate 65.285 63.875 65.175 68.47 72.485 69.775 69.155 69.02
Slide 28: Key Ratios - International Operations
Key Ratios - International Operations 4.40% 4.08% 3.82% 3.76% 3.54% 2.88% 2.22% 2.19% 1.97% 1.70% 1.76% 1.54% 1.66% 1.72% 1.49% 1.45% 1.26% 1.14% Mar' 18 Jun'18 Sep' 18 Mar' 19 Jun'19 Sep'19 Cost of Deposits (%) Yield on advances (%) Net Interest Margin (%) © 2018 Bank of Baroda. All Rights Reserved
Slide 29: Financial Inclusion (1/2)
Financial Inclusion (1/2) Total Financial Inclusion Accounts (in Lakh) Balance/ Average Balance in Financial Inclusion 500 accounts 17000.0 15,999 3300 482 14,973 15,099 15000.0 3200 470 12,814 3,206 13000.0 3,186 3,133 3100 439 11000.0 3000 9000.0 7000.0 2900 2,919 5000.0 2800 Sep '18 Mar'19 Jun '1
Slide 30: Financial Inclusion (2/2)
Financial Inclusion (2/2) Social Security Schemes Enrolment up to Particulars (in Lakh) Sep ’18 Jun ’19 Sep ’19 Pradhan Mantri Suraksha Bima Yojana 104.11 133.98 148.66 Pradhan Mantri Jeevan Jyoti Bima Yojana 29.29 39.43 42.72 Atal Pension Yojana 11.12 15.37 17.74 Zero Balance Accounts (%) Market Sh
Slide 31: Financial Performance
Financial Performance © 2019 Bank of Baroda. All Rights Reserved Page | 31
Slide 32: Net Interest Margin (%)
Net Interest Margin (%) 2.95% 2.80% 2.73% 2.81% 2.62% 2.62% Sep'18 Jun'19 Sep'19 Domestic Global © 2019 Bank of Baroda. All Rights Reserved Page | 32
Slide 33: Customer Revenues & Operating Performance
Customer Revenues & Operating Performance Particulars Q2 FY 19 Q1 FY 20 Q2 FY 20 YOY (%) (INR crore) Interest Income 17,892 18,943 19,274 7.7 Interest Expenses 11,508 12,447 12,246 6.4 Net Interest Income (NII) 6,384 6,496 7,028 10.1 Customer Fee Income 1,402 1,276 1,253 -10.6 Customer Revenue (NII
Slide 34: Interest Income & Expenses
Interest Income & Expenses Particulars Q2 FY 19 Q1 FY 20 Q2 FY 20 YOY (%) (INR crore) Interest on advances 12,460 13,350 13,891 11.5 Interest on investments 4,678 4,646 4,419 -5.5 Other Interest income 754 947 965 28.0 Total Interest Income 17,892 18,943 19,274 7.7 Interest on Deposits 10,491 11,195
Slide 35: Non-Interest Income
Non-Interest Income Particulars Q2 FY 19 Q1 FY 20 Q2 FY 20 YOY (%) (INR crore) Commission, Exchange, Brokerage 633 584 608 -4.0 Incidental Charges 215 188 231 7.7 Other Miscellaneous Income 439 297 292 -33.4 Customer Forex Income 114 206 121 6.1 Total Fee Income 1401 1,276 1,253 -10.6 Forex Income 8
Slide 36: Operating Expenses
Operating Expenses Particulars (INR crore) Q2 FY 19 Q1 FY 20 Q2 FY 20 YOY (%) Employee Cost 2000 1,939 2,281 14.1 of which: Salaries 1,625 1,702 1,735 6.8 Provisions for employees 375 237 547 45.7 Other Operating Expenses 2,060 2,198 2,234 8.5 of which : 406 335 399 -1.5 Rent, Taxes and Lighting Pri
Slide 37: Profit Position
Profit Position Particulars Q2 FY 19 Q1 FY 20 Q2 FY 20 YOY (%) (INR crore) Operating Profit 4,331 4,276 5,336 23.2 Total Provisions 4,182 3,566 4,599 10.0 of which 2,679 3,168 3,425 27.9 Provision for NPA & Bad Debts Written-off Provision for Standard Advances 208 -109 294 41.4 Provision for Depreci
Slide 38: Asset Quality
Asset Quality © 2019 Bank of Baroda. All Rights Reserved Page | 38
Slide 39: Movement in NPAs
Movement in NPAs Particulars Q2 FY19 Q4 FY 19 Q1 FY 20 Q2 FY 20 (INR crore) A. Opening Balance 79,319 74,322 69,924 69,714 B. Additions 7,273 7,305 6,624 7,259 Out of which, Fresh 5,656 6,554 5,583 6,001 Slippages C. Reductions 7,774 11,703 6,834 7,514 Recovery 4,246 2,488 1,544 2,099 Upgradation 85
Slide 40: Provision Coverage Ratio
Provision Coverage Ratio Particulars Sep’18 Jun’19 Sep’19 Gross Advances (INR crore) 6,65,208 6,78,142 6,82,669 Gross NPA (INR crore) 78,818 69,714 69,969 Outstanding Provisions on NPAs/ Eligible 46,046 44,684 45,075 deductions (INR crore) Net NPA (INR crore) 32,772 25,030 24,894 Gross NPA Ratio (%)
Slide 41: NPA Ratios
NPA Ratios 11.85% 10.28% 10.25% 5.29% 3.95% 3.91% Sep'18 Jun'19 Sep'19 Gross NPA Ratio Net NPA Ratio © 2019 Bank of Baroda. All Rights Reserved. Page | 41
Slide 42: Sectoral & Industry wise Contribution of NPAs
Sectoral & Industry wise Contribution of NPAs Particulars Sep ’18 Jun ’19 Sep ’19 Industry (INR crore) Sep ’18 Jun ’19 Sep ’19 (INR crore) Infrastructure of which 13,485 12,609 12,468 Corporate 46,828 38,415 38,947 1. Power 5,404 4,706 4,501 2. Telecom 4,610 4,314 4,314 MSME 10,565 10,771 10,973 3.
Slide 43: Exposure to NCLT accounts (Amalgamated)
Exposure to NCLT accounts (Amalgamated) 49798 98.72% 30686 83.81% 86.95% 85.95% 84.37% 6785 5825 6502 NCLT 1 List NCLT 2 List Accounts filed Accounts filed Total NCLT 1 List NCLT 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 Ex
Slide 44: Asset Quality – Watch list
Asset Quality – Watch list 14,500 INR in crore All stressed accounts under SMA included in the 500 OTHERS watch list. (International) 3380 90% slippage in September 2019 quarter was from OTHERS watch list of June 2019 of Amalgamated Book. NBFC 2978 TEXTILES 1500 IRON & STEEL 576 3152 ROAD & EPC
Slide 45: Movement of portfolio under SMA
Movement of portfolio under SMA 2.25% 1.63% 2.20% 1.48% 1.39% 2.12% Mar' 19 Jun' 19 Sep'19 Mar' 19 Jun' 19 Sep'19 Percentage of SMA2 movement with total advances Percentage of SMA1 movement with total advances • The SMA data shown is for global advance portfolio © 2019 Bank of Baroda. All Rights Res
Slide 46: Capital Adequacy & Shareholding
Capital Adequacy & Shareholding © 2019 Bank of Baroda. All Rights Reserved Page | 46
Slide 47: Capital Adequacy
Capital Adequacy 13.42% 12.98% Tier II 1.87% 11.50% 2.07% AT-1 1.17% CET-1 Tier I 1.94% 1.07% 1.06% 10.91% 10.38% 11.55 9.84% % 8.49% 9.56% Mar'19 Jun'19 (A) Sep'19 (A) Particulars (INR crore) Sep ’18 Jun ’19(A) Sep ’19(A) Common Equity Tier I Capital (CET 1) 37,946 48,946 56,489 Tier I Capital 42,9
Slide 48: Shareholding Pattern as on September 30, 2019
Shareholding Pattern as on September 30, 2019 Corporate Bodies, 0.84% As on September 30, 2019 Indian Public, Others, 1.86% FIIs & FPIs, 6.19% 6.19% Share Capital: INR 769.35 crore. Insurance Companies, 4.28% Mutual Funds, 11.41% Equity shares of Bank of Baroda are part of the following Indices:
Slide 49: Integration
Integration © 2019 Bank of Baroda. All Rights Reserved Page | 49
Slide 50: Integration update – IT & HR
Integration update – IT & HR Integration activities completed during the Other key updates quarter Integration plan ensures minimum inconvenience Integration of most functions completed to the customers Continuous training to employees on various Migration of corporate accounts completed aspects of
Slide 51: Integration update – IT & HR
Integration update – IT & HR IT Integration update Work on upgradation/ integration of IT infrastructure Integration plan of payment systems finalized, and all other applications in full swing implementation to be completed during current quarter Loan processing system rolled out for all specialized
Slide 52: Strengths & Initiatives
Strengths & Initiatives © 2019 Bank of Baroda. All Rights Reserved Page | 52
Slide 53: Key Strengths
Key Strengths Strong domestic presence through 9,449 branches & Well distributed branch network with 31% coverage in Rural, 13,153 ATMs and Cash Recyclers supported by 27% in Semi-urban, 23% Metro and 20% Urban self-service channels A well recognized brand in the Indian Banking Industry Global prese
Slide 54: Pan India Presence
Pan India Presence Domestic Branch Network Amalgamated ATM Network 9,444 9,449 2,973 2,930 5,502 5,534 5,553 2,509 2,523 1,840 1,842 1,845 1,536 1,538 1,546 1,850 1852 941 954 959 2,112 2144 1,185 1,200 1,203 Jun'18 Sep-18 Mar'19 Jun' 19 Sep-19 Metro Urban Semi Urban Rural Bank had 1,213 e-lobbies,
Slide 55: International Presence spanning overseas offices across 21 countries
International Presence spanning 100 overseas offices across 21 countries Europe Operations UK Americas Operations Brussels GCC Operations USA UAE East Asia & Far East Operations Guyana DIFC Singapore Trinidad & Tobago Oman IBU GIFT City Africa Operations Fiji Uganda Australia Kenya China Botswana Ho
Slide 56: Digital Footprint
Digital Footprint Digital Network 11691 15.04% 275% POS/ECOM UPI Outward txns (YOY growth) (YOY growth) 1462 1213 488 ATM Cash Recycler E-lobbies (Incl Active Debit 35X 80.81% express E- Card (in lac) lobbies) FASTag txns (YOY growth) Mobile Banking (F+NF) Recent Initiatives (YOY growth) Green Pas
Slide 57: Credit cards-Growing Momentum: New Issuance & Spends
Credit cards-Growing Momentum: New Issuance & Spends New cards issued Spends– By Amount (in INR crore) 60,980 512 465 48,480 49,273 380 40,145 332 251 266 22,638 9,306 Q1 FY 19 Q2 FY 19 Q3 FY 19 Q4 FY 19 Q1 FY 20 Q2 FY 20 Q1 FY 19 Q2 FY 19 Q3 FY 19 Q4 FY 19 Q1 FY 20 Q2 FY 20 • New cards issuance gre
Slide 58: Baroda DigiNext Cash Management
Baroda DigiNext Cash Management Total Revenue (INR crore) Transaction Count (in lakhs) 69.62 31 30 51.08 27 28 10 10 11 Q2FY19 Q2FY20 Fees (INR crore) Transaction Value (INR crore) 30.26 27070 22.04 24384 Q2FY19 Q2FY20 Q2FY19 Q2FY20 36% YoY growth in revenue till September 2019 to Rs 69.62 crore.
Slide 59: Supply Chain Finance Accelerating Business Momentum
Supply Chain Finance Accelerating Business Momentum Spokes Sanctioned (INR crore) Anchors Sanctioned (INR crore) Revenue (INR crore) 1678 1678 1621 26488 104 24530 During Quarter 1425 Cumulative 77 15515 16030 13565 54 1012 35 27 18 20 23 13 16 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Sep-18 Dec-18 Mar-19
Slide 60: New Fintech Initiatives (1/2)
New Fintech Initiatives (1/2) Innovation Start-up Banking Bank of Baroda – IIT Bombay Innovation Centre (BOB-IITB-IC) 1st of its kind FIN + TECH collaboration 100 Start-ups Financial Assistance Programmes under Innovation Centre: 1. Pre-incubation 2. Incubation 3. Accelerator Program 4. R&D Projects
Slide 61: New Fintech Initiatives (2/2)
New Fintech Initiatives (2/2) Retail MSME On The Fly - Digital EMI Product VISION MISSION Market Share 69006 Affordability solution through To tap 5% market share in POS based EMIs by leveraging the total finance under retail 40328 Pine Labs network. sales for F.Y. 2019-20 16% 15% In-principle Onlin
Slide 62: Key Updates – Shared Services
Key Updates – Shared Services Account opening for e Dena and Trade & Forex Operations for both e Dena & e Vijaya has been completely centralized at Gift City and Bangalore redeploying Bank staff to core activities like sales and service in Branches. Agri Operations for amalgamated entity has been ce
Slide 63: Consolidated Financials
Consolidated Financials © 2019 Bank of Baroda. All Rights Reserved Page | 63
Slide 64: Subsidiaries, Joint Ventures and Associates
Subsidiaries, Joint Ventures and Associates Domestic Subsidiaries, Joint Ventures Proportion of International Subsidiaries, Joint Proportion of and Associates Ownership Ventures and Associates Ownership Subsidiaries Subsidiaries BOB Financial Solutions Limited 100.00% Bank of Baroda (Botswana) Limit
Slide 65: Balance Sheet – Consolidated
Balance Sheet – Consolidated Particulars Sep ’18 Jun ’19 Sep ’19 (INR crore) CAPITAL & LIABILITIES Capital 530 771 771 Share Application Money Pending Allotment 0 7,000 Reserves & Surplus 48,177 66,375 67,406 Minority Interest 293 337 354 Deposits 6,24,510 9,22,920 9,21,999 Borrowings 68,916 72,511
Slide 66: Profit & Loss – Consolidated
Profit & Loss – Consolidated Particulars Q1 FY 19 Q1 FY 20 Q2 FY20 (INR crore) Net Interest Income 4,742 6,928 7,466 Non Interest Income 1,460 2,333 3,228 Fee Income 482 682 660 Premium Income 223 306 305 Other Income 755 1,345 2,343 Total Income 6,202 9,261 10,694 Operating Expenses 2,829 4,868 5,0
Slide 67: Capital Adequacy - Consolidated
Capital Adequacy - Consolidated Key ratios (Consolidated) Sep ’18 Jun ’19 Sep’19 Common Equity Tier I Capital (CET 1) (INR crore) 42,580 54,627 61,354 Tier I (INR crore) 47,588 60,749 67,476 Tier II (INR crore) 6,720 11,260 12,070 Total Capital (INR crore) 54,309 72,009 79,546 CET 1 Ratio (%) 9.84%
Slide 68: Awards and Accolades
Awards and Accolades Bank of Baroda bags the Silver at SAMMIE Bank has been awarded the Most Trusted Brand in 2019 - the Nationalized - Banks Category by Reader’s Best Social Media Brand Award (BFSI - Digest TRUSTED BRAND SURVEY Banking Category). © 2019 Bank of Baroda. All Rights Reserved Page | 68
Slide 69: 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 (
Slide 70: Thank You
Thank You © 2019 Bank of Baroda. All Rights Reserved Page | 70