Bank Of Baroda · NSE:BANKBARODA

Bank Of Baroda — Q4 FY2022 Earnings Presentation

40 slides from Bank Of Baroda's earnings presentation, May 31, 2022

  1. Slide 1: Performance Analysis Q4FY22 & FY22

    Performance Analysis Q4FY22 & FY22 1

  2. Slide 2: Major Highlights

    Major Highlights © 2022 Bank of Baroda. All Rights Reserved Page | 2

  3. Slide 3: Major Highlights

    Major Highlights Business Details (INR crore) Key performance drivers FY21 FY22 YOY(%) Domestic CASA Deposits 3,68,027 4,10,123 11.4 Domestic CASA Ratio (%) Net Profit (INR crore) 137 bps YoY Domestic Savings 3,06,418 3,41,343 11.4 Deposits 44.24 7,272 Domestic Current 42.87 61,609 68,780 11.6 Depos

  4. Slide 4: Financial Performance

    Financial Performance © 2022 Bank of Baroda. All Rights Reserved Page | 4

  5. Slide 5: Key Ratios - Quarterly

    Key Ratios - Quarterly Cost of Deposits NIM Domestic Domestic Global International 3.12% 3.21% 3.14% 2.90% 2.73% 4.10% 3.92% 3.84% 3.80% 3.85% 3.71% 3.55% 3.52% 3.50% 3.53% Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 International 0.63% 0.50% 0.50% 1.88% 0.45% 0.46% 1.57% 1.45% 1.33% Mar'21 Jun'21 Sep'21 Dec

  6. Slide 6: Key Ratios - Annual

    Key Ratios - Annual Cost of Deposits NIM Domestic Domestic Global International 3.09% 2.85% 2.79% 5.39% 4.44% 4.98% 3.85% 4.01% 3.52% Mar'20 Mar'21* Mar'22 2.03% 0.95% International 0.48% 1.47% 1.34% 1.29% Mar'20 Mar'21 Mar'22 Yield on Advances Domestic Global International Mar'20 Mar'21 Mar'22 8.82

  7. Slide 7: Operating Performance

    Operating Performance Particulars Q4 FY21 Q3 FY22 Q4 FY22 YOY (%) FY21 FY22 YOY (%) (INR crore) Interest on advances 11,749 12,631 12,835 9.2 50,052 49,279 -1.5 Interest on investments 4,133 4,567 4,767 15.3 17,077 17,617 3.2 Other Interest income 803 765 572 -28.8 3,366 2,985 -11.3 Total Interest I

  8. Slide 8: Non-Interest Income

    Non-Interest Income Particulars Q4 FY21 Q3 FY22 Q4 FY22 YOY (%) FY21 FY22 YOY (%) (INR crore) Commission, Exchange, 715 743 786 9.9 2,521 2,771 9.9 Brokerage Incidental Charges 293 287 387 32.1 927 1,202 29.7 Other Miscellaneous Income 436 317 403 -7.6 1,196 1,283 7.3 Forex Income 303 210 272 -10.2

  9. Slide 9: Operating Expenses

    Operating Expenses Particulars Q4 FY21 Q3 FY22 Q4 FY22 YOY (%) FY21 FY22 YOY (%) (INR crore) Employee Cost 3,125 3,103 2,702 -13.5 11,446 11,979 4.7 of which: Salaries 2,461 2,206 2,332 -5.2 8,576 9,216 7.5 Provisions for 664 897 370 -44.2 2,870 2,762 -3.8 employees Other Operating Expenses 2,564 2,

  10. Slide 10: Profit Position

    Profit Position Particulars Q4 FY21 Q3 FY22 Q4 FY22 YOY (%) FY21 FY22 YOY (%) (INR crore) Operating Profit 6,235 5,483 5,635 -9.6 21,199 22,389 5.6 Total Provisions 3,555 2,506 3,736 5.1 15,643 13,002 -16.9 of which Provision for NPA & Bad 4,593 4,283 5,200 13.2 12,408 14,640 18.0 Debts Written-off

  11. Slide 11: Business Performance

    Business Performance © 2022 Bank of Baroda. All Rights Reserved Page | 11

  12. Slide 12: Deposits

    Deposits Particulars % share in Domestic Deposits in Mar’ 22 (INR crore) Mar’21 Mar’22 YOY (%) Dec’21 Mar’22 QOQ (%) Domestic CASA Deposits 3,68,027 4,10,123 11.4 3,88,169 4,10,123 5.7 Savings Deposits Domestic Saving 37% 3,06,418 3,41,343 11.4 3,22,909 3,41,343 5.7 Deposits Term Domestic Current de

  13. Slide 13: Advances

    Advances Particulars Mar’21 Mar’22 YOY (%) Dec’21 Mar’22 QOQ (%) % share in Gross Domestic Credit in Mar’22 (INR crore) Retail* 1,20,256 1,40,399 16.8 1,28,960 1,40,399 8.9 Others (incl Agriculture 16.0% LABOD & Home Loans* 73,714 82,009 11.3 76,898 82,009 6.6 Staff loans) 3.4% Auto Loans* 21,031 25

  14. Slide 14: Risk profile – Retail loans

    Risk profile – Retail loans As on 31.03.2021 As on 31.12.2021 As on 31.03.2022 3% 0% 0% 18% 14% 16% 10% 10% 12% 70% 74% 73% Above 725 701-725 Up to 700 -1 Above 725 701-725 Upto 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 c

  15. Slide 15: Industry-wise outstanding

    Industry-wise outstanding Mar ’21 Mar ’22 Rating Profile Particulars (INR crore) Outstanding Share Outstanding Share Infrastructure of which 70,730 11.03% 1,03,549 15.14% 1. Power 32,247 5.03% 50,260 7.35% 2. Telecom 11,049 1.72% 10,871 1.59% 3. Roads & Ports 12,965 2.02% 26,482 3.87% 4. Other Infra

  16. Slide 16: 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 Dec’21 Mar’22 Outstanding Outstanding 11% 12% % Share % Share (INR cr) (INR cr) Pvt others AAA 65,236 65.99 68,863 65.89 44% 43% Backed by Large AA 21,176

  17. Slide 17: Treasury operations

    Treasury operations Particulars • Domestic investment book comprises of 65.54% in HTM; Mar ’21 Dec ’21 Mar ’22 34.40% in AFS and 0.06% in HFT. (INR crore) Domestic • The percentage of Investments in SLR Securities to NDTL at 2,51,708 2,94,923 3,04,062 Investments Mar 31, 2022 was at 27.49%. of which

  18. Slide 18: Financial Inclusion

    Financial Inclusion Total Financial Inclusion Accounts Balance /Avg Balance in FI accounts (in Lakh) 27,864 Zero Balance Accounts (%) 647 25,158 23,521 632 5.8% 5.5% 5.3% 590 4,308 3,985 3,980 Mar'21 Dec'21 Mar'22 Mar'21 Dec'21 Mar'22 Market Share* of BOB in PMJDY Accounts (%) Mar'21 Dec'21 Mar'22 B

  19. Slide 19: Asset Quality

    Asset Quality © 2022 Bank of Baroda. All Rights Reserved Page | 19

  20. Slide 20: Movement of NPAs

    Movement of NPAs Particulars Q4 FY21 Q3 FY22 Q4 FY22 FY21 FY22 (INR crore) A. Opening Balance 63,182 59,504 55,997 69,381 66,671 B. Additions 12,274 3,491 5,780 20,005 14,255 Out of which, Fresh Slippages 11,656 2,830 4,514 18,101 11,046 C. Reductions 8,785 6,998 7,717 22,716 26,867 Recovery 2,759 2

  21. Slide 21: Sectoral & Industry wise Contribution of NPAs

    Sectoral & Industry wise Contribution of NPAs Sector-wise NPA Industry- wise NPA Particulars (INR Particulars Q4 FY21 Q3 FY22 Q4 FY22 Q4 FY21 Q3 FY22 Q4 FY22 crore) (INR crore) Infrastructure of which 6,509 4,675 3,576 Corporate 27,234 16,389 14,533 1. Power 2,373 2,771 2,036 2. Telecom 1,839 1 2 MS

  22. Slide 22: Asset Quality : Sectoral Fresh Slippages

    Asset Quality : Sectoral Fresh Slippages Fresh Slippages CRILC o/s SMA1 and SMA 2 (%) Particulars (INR crore) Q4 FY21 Q3 FY22 Q4 FY22 FY21 FY22 Corporate 5,817 602 2,055 5,923 3,601 MSME 2,846 1,013 1,271 3,103 3,294 Retail 1,184 501 466 1,247 1,387 3.23 Agriculture 1,115 615 636 1,160 2,344 Others

  23. Slide 23: Exposure to NCLT Accounts

    Exposure to NCLT Accounts 49752 99.19% 98.28% 98.05% 34451 97.51% 94.11% 7757 5077 2467 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

  24. Slide 24: Capital Adequacy

    Capital Adequacy © 2022 Bank of Baroda. All Rights Reserved Page | 24

  25. Slide 25: Capital Adequacy

    Capital Adequacy 15.84% 16.33% 14.99% 15.40% 15.55% 15.47% Tier II 2.50% 2.44% 2.32% 2.34% 2.34% 2.23% AT-1 1.75% 1.69% 1.81% 1.82% 1.94% 1.73% CET-1 11.25% 11.39% 11.30% 11.59% 12.20% 10.94% Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Consol Mar'22 Mar ’22 Particulars (INR crore) Mar ’21 Dec ’21 Mar ’22 (Co

  26. Slide 26: bob World

    bob World © 2022 Bank of Baroda. All Rights Reserved Page | 26

  27. Slide 27: bob World – Engagement leads to more Product Sales

    bob World – Engagement leads to more Product Sales Credit Report for customers Offers to customers basis credit report 20 lakhs users have availed the Customized offers to be designed for 20 services lakh users for whom the bank has the credit reports Ability of send push E-commerce – Offer basis no

  28. Slide 28: bob World Statistics

    bob World Statistics “Best Technology Bank” for the 2nd year in a row at IBA’s Annual Banking Technology Conference App Downloads Activated Users Daily Active Users PL through bob World 34 Million 19.6 Million 3.7 Million 82% With 73 lakhs daily txns (financial & non-financial) %IMPS txns through %B

  29. Slide 29: Digital Milestones

    Digital Milestones © 2022 Bank of Baroda. All Rights Reserved Page | 29

  30. Slide 30: Digital Milestones…1/2

    Digital Milestones…1/2 1st 1st 2nd Rank in Mobile Rank in e-stamping Rank in e-sign Infra Banking usage usage Downloads Mar’22 Q4FY22 Mar’22 Source: NeSL Source: NeSL 2nd 3rd 99.64% Rank in Debit Card Rank in UPI UPI Remittance Issuance remittance Success Rate Mar’22 Source: RBI Mar’22 Source: NPCI

  31. Slide 31: Digital Milestones….2/2

    Digital Milestones….2/2 83% 69% 73% Passbook updates New SHG done digitally Digital FDs acquisition (Digitally) As of 31.03.2022 Q4FY22 As of 31.03.2022 36% 97% 58% Digitally active Digital Retail Loans Digital PL customers Sanctioned As of 31.03.2022 As of 31.03.2022 As of 31.03.2022 38% 33% 22% Nu

  32. Slide 32: Environmental, Social and Governance (ESG)

    Environmental, Social and Governance (ESG) © 2022 Bank of Baroda. All Rights Reserved Page | 32

  33. Slide 33: Environmental, Social & Governance (ESG) Initiatives

    Environmental, Social & Governance (ESG) Initiatives Environment Social Governance  Bank does not finance borrowers for setting up  Bank’s RSETIs have been graded as “AA”  The Bank’s code of commitment to customers new units producing / consuming Ozone (outstanding) by Ministry of Rural and MSME’

  34. Slide 34: Consolidated Financials

    Consolidated Financials © 2022 Bank of Baroda. All Rights Reserved Page | 34

  35. Slide 35: Subsidiaries and JVs Performance

    Subsidiaries and JVs Performance Baroda Asset Management India IndiaFirst Life Insurance Co. Ltd. BOB Financial Solutions Limited Limited (Subsidiary Holding - 65%) (Subsidiary Holding – 100%) (Subsidiary Holding – 50.1%)  IndiaFirst Life recorded YoY growth of 50% in  Crossed milestone of One mil

  36. Slide 36: Subsidiaries and JVs Performance

    Subsidiaries and JVs Performance India Infradebt Limited Baroda Global Shared Services Limited BOB Capital Markets Limited (Joint Venture of 40.99%) (Subsidiary Holding – 100%) (Subsidiary Holding – 100%)  India Infradebt focused on disbursement in  BGSSL total income (PBT) grew 72% YoY  The gros

  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 3,326 crore as in FY22* sto

  38. Slide 38: Balance Sheet and PL– Consolidated

    Balance Sheet and PL– Consolidated Particulars Mar ’21 Dec ’21 Mar ’22 Particulars (INR crore) FY21 FY22 YOY (%) CAPITAL & LIABILITIES (INR crore) Capital 1,036 1,036 1,036 Net Interest Income 31,113 34,570 11.1% Share Application Money Pending 0 0 0 Allotment Non Interest Income 15,254 14,395 -5.6%

  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 © 2022 Bank of Baroda. All Rights Reserved Page | 40

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