Bank Of Baroda · NSE:BANKBARODA
Bank Of Baroda — Q1 FY2020 Earnings Presentation
74 slides from Bank Of Baroda's earnings presentation, Jul 25, 2019
Slide 1: Performance Analysis Q1 FY 2020
Performance Analysis Q1 FY 2020 July 25, 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 Q1FY20
Major Highlights for Q1FY20 Operating Profit for June 19 quarter increased to INR 4,276 crore registering Y-o-Y and Q-o-Q growth of 1 3.85% and 34.39% respectively. Customer Fee income increased by 7.86%. Net profit increased to INR 710 crore compared with a loss of INR 49 crore in the same period l
Slide 6: Amalgamated Entity as on April 1, 2019
Amalgamated Entity as on April 1, 2019 March 31, 2019 April 1, 2019 March 31, 2019 April 1, 2019 BoB BoB BoB BoB (INR in crore) e-VB* e-DB* (All Ratios in %) e-VB* e-DB* (Solo) (Consolidated) (Solo) (Consolidated) Total Deposits 6,38,690 1,75,817 1,00,652 9,15,159 Cost to Income Ratio (%) 45.56 61.3
Slide 7: Progress in the quarter
Progress in the quarter Particulars Particulars Apr 1, 2019 Jun 30, 2019 Apr 1, 2019 Jun 30, 2019 (INR crore) (INR crore) Total Business 15,66,543 15,28,723 Gross NPA 69,924 69,714 Total Deposits 9,15,159 8,95,542 Net NPA 23,795 25,030 Domestic Deposits 7,94,436 785861 Net NPA Ratio 3.66% 3.95% Tota
Slide 8: Key drivers for improvement in Operating Performance
Key drivers for improvement in Operating Performance Particulars Q1 FY 19 Q4 FY 19 Q1 FY 20 YOY (%) (INR crore) Net Interest Income (NII) 6,331 6,791 6,496 2.61 Customer Fee Income 1,183 1,473 1,276 7.86 Customer Revenues (NII + Fee Income) 7,483 8,264 7,772 3.86 Other Non-Interest Income 583 1,049
Slide 9: Snapshot as on June 30, 2019
Snapshot as on June 30,2019 Results for Q1 FY 20 Ratios for Q1 FY 20 Amount in Change % Key Performance Ratio (%) Performance Parameter INR crore (YOY) Return on Assets (annualised) 0.26 Total Deposits 8,95,542 6.38 Capital Adequacy Ratio (Standalone) 11.50 (Basel III, Tier 1: 8.49%) Net Advances 6,
Slide 10: Domestic BoB-Market Share- Deposits & Advances
Domestic BoB-Market Share- Deposits & Advances Stands for BoB (Solo)) Stands for BoB + eVB+ eDB 6.13 6.21 6.16 4.22 4.00 4.10 Deposits Advances Business Mar'19 Jun'19 © 2019 Bank of Baroda. All Rights Reserved Page | 10
Slide 11: Business Performance
Business Performance © 2019 Bank of Baroda. All Rights Reserved Page | 11
Slide 12: Business Performance (1/2)
Business Performance (1/2) Terminal Figures Particulars Jun’18 Mar’19 Jun’19 YOY (%) (INR crore) Total Business 14,45,930 15,75,183 15,28,723 5.73 Domestic Business 12,37,838 13,47,186 13,18,916 6.55 Total Deposits 8,41,830 9,15,159 8,95,542 6.38 Domestic Deposits 7,21,855 7,94,435 7,85,861 8.87 CAS
Slide 13: Business Performance (2/2)
Business Performance (2/2) Average Figures* Particulars Jun’18 Mar’19 Jun’19 YOY (%) (INR crore) Total Business 14,57,692 15,54,706 15,49,613 6.31 Domestic Business 12,35,778 13,38,082 13,41,558 8.56 Total Deposits 8,38,078 8,79,440 8,80,579 5.07 Domestic Deposits 7,18,714 7,68,630 7,76,942 8.10 CAS
Slide 14: Sustained CASA Growth
Sustained CASA Growth Terminal Figures Average Figures* 311,368 294,193 301,572 289,976 295,978 279,432 278,542 286,739 287,196 273,004 259,898 268,568 Jun'18 Mar ’19 Jun'19 Jun'18 Mar'19 Jun'19 Domestic CASA Deposits Global CASA Deposits Domestic CASA Deposits Global CASA Deposits * Average busines
Slide 15: Cost of Deposits
Cost of Deposits 5.53% 5.48% 5.36% 5.09% 5.10% 4.84% Jun ’18 Mar’19 Jun'19 Global Deposits Domestic Deposits • Cost of domestic deposits has gone down sequentially © 2019 Bank of Baroda. All Rights Reserved Page | 15
Slide 16: Credit Portfolio- well diversified
Credit Portfolio- well diversified % share in Gross Domestic Credit in Jun’ 19 Particulars Jun ’18 Mar ’19 Jun ’19 Agriculture Others (incl LABOD & (INR crore) 14% Staff loans) 4% Corporate 2,57,273 2,65,925 2,63,590 Retail (excl MSME 95,005 92,570 90,589 LABOD) Corporate 20% 46% Retail (excl LABOD)
Slide 17: 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% 18.96% 1,12,233 17.13% 1,08,525 14,887 93,107 14,282 4,599 4,455 10,997 12,415 11,742 4,152 9,375 78,047 80,332 68,583 Jun'18 Mar'19 Jun'19 Mar'19 Jun'19 Other Retail
Slide 18: Risk profile- Post Amalgamation
Risk profile- Post Amalgamation As on 01.04.2019 Q1 Sourcing 7% 9% 8% 19% 9% 8% 66% 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 | 18
Slide 19: MSME Portfolio CIBIL –CMR/CRIF Rank-wise
MSME Portfolio CIBIL –CMR/CRIF Rank-wise NPA % CMR rank wise 100.0% Standard Portfolio Distribution %- %share of Standard advances CMR Rank Graded as per CRIF rating 100.00% 98.14% 92.84%95.44% 4.44% 87.73% 75.22% 17.58 19.37% 47.3% 60.05% % 31.0% 26.57 28.17% % 32.04 21.6% % 12.5% 7.86% 10.3% 0.89%
Slide 20: Improving Rating Profile
Improving Rating Profile Incremental data from Jun 18 to Jun 19 51.43% 55.76% 56.69% 69.18% 16.86% 15.59% 15.48% 18.80% 11.46% 17.14% 16.63% 6.12% 12.90% 11.51% 11.19% 13.24% Jun'18 Mar'19 Jun'19 Origination Jun'18 to Jun'19 A & Above BBB Below BBB Unrated A & Above BBB Below BBB Unrated *External R
Slide 21: Capital optimization in Corporate Book
Capital optimization in Corporate Book 47% 44% 45% 10% 8% 7% Jun'18 Mar'19 Jun'19 RWA to Corporate Exposure ratio Ratio of RWA to Un-utilised Exposures © 2019 Bank of Baroda. All Rights Reserved Page | 21
Slide 22: 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) Mar ’19 Jun ’19 Particulars Mar ’19 Jun’19 Asset Finance Company (AFC) Exposure % Share Exposure % Share 15,199 15,699 (INR cr) (INR cr) Housing Finance Company (HF
Slide 23: Yield on Advances
Yield on Advances 8.72% 8.73% 8.65% 7.98% 8.00% 7.86% Jun' 18 Mar' 19 Jun' 19 Domestic Global © 2019 Bank of Baroda. All Rights Reserved Page | 23
Slide 24: Financial Inclusion (1/2)
Financial Inclusion (1/2) Total Financial Inclusion Accounts (in Lakh) Balance/ Average Balance in Financial Inclusion 482 accounts 470 14,973 15,099 11,512 11,772 419 405 3,186 3,133 2,842 2,810 Mar '18 Jun '18 Mar '19 Jun '19 Mar '18 Jun' 18 Mar '19 Jun' 19 Balance in Financial Inclusion Accounts
Slide 25: Financial Inclusion (2/2)
Financial Inclusion (2/2) Social Security Schemes Enrolment up to Particulars (in Lakh) Mar ’18 Jun ’18 Mar ’19 Jun ’19 Pradhan Mantri Suraksha Bima Yojana 93.67 95.88 130.53 133.98 Pradhan Mantri Jeevan Jyoti Bima Yojana 27.27 28.38 37.76 39.43 Atal Pension Yojana 9.10 9.90 14.67 15.37 Zero Balance
Slide 26: Treasury operations
Treasury operations Particulars • Domestic investment book comprises of 67.81% in Jun ’18 Mar ’19 Jun ’19 (INR crore) HTM; 32.05% in AFS and 0.14% in HFT. Domestic Investments 2,44,950 2,53,704 2,45,687 • The percentage of SLR Securities to NDTL at June of which 30, 2019 was at 25.69%. SLR 2,08,883
Slide 27: Yield on Investment
Yield on Investment 7.58% 7.51% 7.43% 7.59% 7.38% 7.28% Jun' 18 Mar' 19 Jun'19 Domestic Global © 2019 Bank of Baroda. All Rights Reserved Page | 27
Slide 28: Business Performance-International
Business Performance-International Particulars Jun’18 Mar’19 Jun’19 YOY (%) QOQ (%) (INR crore) Terminal Figures Total Business 2,08,092 2,19,356 2,09,807 0.82 -4.35 Total Deposits 1,19,975 1,20,723 1,09,681 -8.58 -9.15 CASA Deposits 18,171 15,390 14,376 -20.88 -6.59 Total Saving Deposits 4,441 2,81
Slide 29: Cluster wise Business of Overseas branches
Cluster wise Business of Overseas branches 1.80% 1.79% 1.81% 2.06% 2.28% 11.65% 10.99% 12.72% 12.53% 13.62% 22.13% 17.01% 23.80% 20.71% 18.27% 32.72% 30.96% 32.36% 32.35% 34.05% 32.72% 35.74% 32.35% 31.79% 31.79% Jun '18 Sep '18 Dec'18 Mar'19 Jun'19 America GCC European East Asia and Far East Africa
Slide 30: Breakup of Advances -International
Breakup of Advances -International Particulars As % of As % of As % of Jun’18 Total Mar’19 Total Jun’19 Total (INR Crores) Advances Advances Advances Buyer’s Credit 16,654 17.38% 2,480 2.35% 1,818 1.69% New Trade Credit (Supplier’s credit/ UPAS) 757 0.79% 12,886 12.19% 15,734 14.66% BP / BD under LC
Slide 31: 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 Total Business (INR crore) Exchange rate 65.285 63.875 65.175 68.47 72.485 69.775 69.155 69.02 1. Rat
Slide 32: Key Ratios - International Operations
Key Ratios - International Operations 4.40% 4.08% 3.82% 3.54% 2.88% 2.22% 1.97% 1.70% 1.76% 1.54% 1.66% 1.72% 1.49% 1.45% 1.14% Mar' 18 Jun'18 Sep' 18 Mar' 19 Jun'19 Cost of Deposits (%) Yield on advances (%) Net Interest Margin (%) © 2018 Bank of Baroda. All Rights Reserved Page | 32
Slide 33: Financial Performance
Financial Performance © 2019 Bank of Baroda. All Rights Reserved Page | 33
Slide 34: Net Interest Margin (%)
Net Interest Margin (%) 2.92% 2.93% 2.78% 2.73% 2.75% 2.69% 2.62% Jun '18 Mar'19 Jun'19 Domestic Global Dotted line indicates excluding exceptional items . © 2019 Bank of Baroda. All Rights Reserved Page | 34
Slide 35: Customer Revenues & Operating Performance
Customer Revenues & Operating Performance Particulars Q1 FY 19 Q4 FY 19 Q1 FY 20 YOY (%) (INR crore) Interest Income 17,399 19,055 18,943 8.87 Interest Expenses 11,069 12,264 12,447 12.45 Net Interest Income (NII) 6,331 6,791 6,496 2.61 Customer Fee Income 1,183 1,473 1276 7.86 Customer Revenue (NII
Slide 36: Interest Income & Expenses
Interest Income & Expenses Particulars Q1 FY 19 Q4 FY 19 Q1 FY 20 YOY (%) (INR crore) Interest on advances 12,148 13,210 13,350 9.89 Interest on investments 4,408 4,727 4,646 5.40 Other Interest income 844 1,118 947 12.20 Total Interest Income 17,399 19,055 18,943 8.87 Interest on Deposits 10,118 11
Slide 37: Non-Interest Income
Non-Interest Income Particulars Q1 FY 19 Q4 FY 19 Q1 FY 20 YOY (%) (INR crore) Commission, Exchange, Brokerage 552 676 584 5.80 Incidental Charges 209 280 188 -10.05 Other Miscellaneous Income 358 390 297 -17.04 Customer Forex Income 64 128 206 221.88 Total Fee Income 1,183 1,473 1,276 7.86 Forex In
Slide 38: Operating Expenses
Operating Expenses Particulars (INR crore) Q1 FY 19 Q4 FY 19 Q1 FY 20 YOY (%) Employee Cost 2,000 3,617 1,939 -3.05 of which: Salaries 1,588 1,896 1,702 34.63 Provisions for employees 349 1,638 237 -0.57 Other Operating Expenses 1,948 2,538 2,198 12.83 of which : 343 403 335 -2.33 Rent, Taxes and Li
Slide 39: Profit Position
Profit Position Particulars Q1 FY 19 Q4 FY 19 Q1 FY 20 YOY (%) (INR crore) Operating Profit 4,118 3,182 4,276 3.84 Total Provisions 4,167 12,057 -14.42 3,566 of which 3,553 10,257 3,168 -10.84 Provision for NPA & Bad Debts Written-off Provision for Standard Advances -323 52 -109 Provision for Deprec
Slide 40: Asset Quality
Asset Quality © 2019 Bank of Baroda. All Rights Reserved Page | 40
Slide 41: Movement in NPAs
Movement in NPAs Particulars Q1 FY19 Q4 FY 19 FY 19 Q1 FY 20 (INR crore) A. Opening Balance 80,367 74,322 80,367 69,924 B. Additions 7,043 7,305 24,900 6,624 Out of which, Fresh 5177 6,554 20,334 5,583 Slippages C. Reductions 8,091 11,703 35,343 6,834 Recovery 4,894 2,488 12,763 1,544 Upgradation 1,
Slide 42: Provision Coverage Ratio
Provision Coverage Ratio Particulars Jun’18 Mar’19 Jun’19 Gross Advances (INR crore) 6,40,592 6,97,824 6,78,322 Gross NPA (INR crore) 79,319 69,924 69,714 Outstanding Provisions on NPAs/ Eligible 45,328 46,130 44,547 deductions (INR crore) Net NPA (INR crore) 33,991 23,794 25,030 Gross NPA Ratio (%)
Slide 43: NPA Ratios
NPA Ratios 12.38% 10.02% 10.28% 5.71% 3.95% 3.65% Jun'18 Mar'19 Jun'19 Gross NPA Ratio Net NPA Ratio © 2019 Bank of Baroda. All Rights Reserved. Page | 43
Slide 44: Slippage Ratio
Slippage Ratio Slippage ratio Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 BoB 2.55 2.56 1.95 2.43 2.55 2.54 eDena 3.79 7.48 9.81 6.86 8.36 7.81 eVijaya 1.38 3.28 2.79 4.12 6.46 4.36 Total 2.48 3.23 2.92 3.19 3.81 3.29 © 2019 Bank of Baroda. All Rights Reserved Page | 44
Slide 45: Exposure to NCLT accounts (Amalgamated)
Exposure to NCLT accounts (Amalgamated) 37,144 97.42% 20,513 88.79% 88.67% 87.45% 84.86% 6,957 5,820 3,854 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 NC
Slide 46: Asset Quality – Watch list
Asset Quality – Watch list INR in crore 16,501 All stressed accounts under SMA included in the 500 watch list. 3909 70% slippage in June 2019 quarter was from watch list of March 2019 of Amalgamated Book. 4406 OTHERS (International) OTHERS NBFC 2500 TEXTILES IRON & STEEL 375 ROAD & EPC 2460 2351
Slide 47: Movement of portfolio under SMA
Movement of portfolio under SMA 2.25% 1.48% 1.39% 2.12% Mar' 19 Jun' 19 Mar' 19 Jun' 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 Reserved Page | 47
Slide 48: Capital Adequacy & Shareholding
Capital Adequacy & Shareholding © 2019 Bank of Baroda. All Rights Reserved Page | 48
Slide 49: Capital Adequacy
Capital Adequacy 13.42% 12.13% Tier II 1.87% 11.50% AT-1 1.63% 1.17% CET-1 Tier I 1.94% 1.23% 1.06% 9.56% 10.50% 11.55 10.38% 9.27% % 8.49% Jun '18 Mar'19 Jun'19 Particulars (INR crore) Jun ’18 Mar ’19 Jun ’19 Common Equity Tier I Capital (CET 1) 37,707 42,590 48,946 Tier I Capital 42,715 47,393 55,
Slide 50: Shareholding Pattern as on June 30, 2019
Shareholding Pattern as on June 30, 2019 Corporate Bodies, 1.24% As on June 30, 2019 Indian Public, Others, 1.61% 5.75% FIIs & FPIs, 6.77% Share Capital: INR 769.35 crore. Insurance Companies, 4.28% Mutual Funds, Equity shares of Bank of Baroda are part of the following Indices: 11.12% Governmen
Slide 51: Integration
Integration © 2019 Bank of Baroda. All Rights Reserved Page | 51
Slide 52: Integration Report Card
Integration Report Card Integration Activities Completed Reorganization Rationalization Migration of Harmonization Integration of Training of Corporate of Administrative Corporate of products Treasury of employees structure offices Accounts IT Integration Three Data Configuration of Interoperability
Slide 53: Integration Report Card – HR
Integration Report Card – HR Orientation program Buddy Branch for all Revised for Senior eVB and eDB Organizational Management branches Structure Roll out of orientation Continuous feedback Over 100 town program - “Utsuk” for all through branch and hall meetings eVB and eDB employees employee pulse
Slide 54: HR Integration
HR Integration As on 31st March,2019 As on June, 2019 Baroda Anubhuti BOB Employee BOB E- Vijaya E -Dena BOB Engagement Program – Administrative 90 33 30 121 ** implemented for all Offices Branches 5,553 2,119 1,175 9,444 “Buddy Branch” concept – Harmonization of ** 119 Administrative Offices as aga
Slide 55: Strengths & Initiatives
Strengths & Initiatives © 2019 Bank of Baroda. All Rights Reserved Page | 55
Slide 56: Key Strengths
Key Strengths Strong domestic presence through 9,444 branches & Well distributed branch network with 31% coverage in Rural, 13,158 ATMs and Cash Recyclers supported by 27% in Semi-urban, 22% Metro and 20% Urban self-service channels A well recognized brand in the Indian Banking Industry Global prese
Slide 57: Pan India Presence
Pan India Presence Domestic Branch Network Amalgamated ATM Network 9,444 2,973 5,467 5,502 5,553 2,509 1,833 1,840 1,845 1,537 1,536 1,546 1,850 930 941 959 2,112 1,167 1,185 1,203 Mar'18 Jun'18 Mar'19 Jun' 19 Metro Urban Semi Urban Rural Bank had 1,196 e-lobbies, with 24*7 facilities for cash withd
Slide 58: International Presence spanning 100 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 59: Digital Footprint
Digital Footprint 17.30% 80.30% Digital Network POS/ECOM Mobile Banking (F+NF) 11,743 (YOY growth) (YOY growth) 1415 1196 516 388% ATM Cash Recycler E-lobbies (Incl Active Debit UPI Outward txns express E- Card (in lac) lobbies) (YOY growth) Recent Initiatives Recent Product Suite BHIM Baroda Multi
Slide 60: Credit cards-Growing Momentum: New Issuance & Spends
Credit cards-Growing Momentum: New Issuance & Spends New cards issued Spends– By Amount (in INR crore) 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 Q1 FY 19 Q2 FY 19 Q3 FY 19 Q4 FY 19 Q1 FY 20 • New cards issuance grew more than 5X from Q1 FY 19
Slide 61: Progress on Baroda Diginext Cash Management
Progress on Baroda Diginext Cash Management Fees (INR crore) Transaction Value (INR crore) 14.81 12663 12080 11.12 9327 2.99 Q1FY18 Q1FY19 Q1FY20 Q1FY18 Q1FY19 Q1FY20 Fee income from Cash Management customers grew by 32.59% on YOY basis to Rs 14.81 crore in Q1 FY20. CASA balances including short-t
Slide 62: Supply Chain Finance Accelerating Business Momentum
Supply Chain Finance Accelerating Business Momentum Spokes Sanctioned (INR crore) Anchors Sanctioned (INR crore) Revenue (INR crore) 1621 1425 16030 54 During Quarter 15515 1012 Cumulative 35 825 13475 13565 20 18 16 13 5 5 Jun-18 Sep-18 Dec-18 Mar-19 Jun-18 Sep-18 Dec-18 Mar-19 Jun-18 Sep-18 Dec-18
Slide 63: Fintech Initiatives (1/2)
Fintech Initiatives (1/2) Volume & Value 6.8 Million 30 9439 10000 Market Share People 8000 52207 touched 20 6000 5244 28217 4000 10 18.1% 2000 18.6% 0 0 In-principle Online Sanction In-principle Online Sanction Rs. Bn # A/c (RHS) Industry BOB Rs.2397 crore Business Additional BOB Rank among PSBs Bu
Slide 64: Fintech Initiatives (2/2)
Fintech Initiatives (2/2) TReDS: RBI approved digital platform to help MSMEs get there trade receivable financed(without recourse) at a competitive rate through an Lending: Algo Underwriting (e-commerce, Retail etc) auction mechanism Rating Wise Sanction Customers Finance to micro entrepreneurs base
Slide 65: BGSS at a Glance
BGSS at a Glance Source & Deploy Consult & Change Manage & Transform Facilities - (24x7 Operations) Our Processes- (ISO Certified, Lean ,six sigma) Our Strength - (Customer centric and digitally & metrics focused) 1. Centralized & strengthened risk management practices Trade & Forex back Liabilities
Slide 66: Consolidated Financials
Consolidated Financials © 2019 Bank of Baroda. All Rights Reserved Page | 66
Slide 67: 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 68: Balance Sheet – Consolidated
Balance Sheet – Consolidated Particulars Jun ’18 Mar ’19 Jun ’19 (INR crore) CAPITAL & LIABILITIES Capital 530 530 771 Share Application Money Pending Allotment 5,042 Reserves & Surplus 46,920 49,424 66,375 Minority Interest 277 341 337 Deposits 5,97,825 6,65,589 9,22,920 Borrowings 66,607 68,868 72
Slide 69: Profit & Loss – Consolidated
Profit & Loss – Consolidated Particulars Q1 FY 19 Q1 FY 20 (INR crore) Net Interest Income 4,742 6,928 Non Interest Income 1,460 2,333 Fee Income 482 682 Premium Income 223 306 Other Income 755 1,345 Total Income 6,202 9,261 Operating Expenses 2,829 4,868 Operating Profit 3,373 4,393 Provisions 2,36
Slide 70: Capital Adequacy - Consolidated
Capital Adequacy - Consolidated Key ratios (Consolidated) Jun ’18 Jun ’19 Common Equity Tier I Capital (CET 1) (INR crore) 42,310 54,626.62 Tier I (INR crore) 47,318 60,749.13 Tier II (INR crore) 6,500 11,260.22 Total Capital (INR crore) 53,818 72,009.35 CET 1 Ratio (%) 10.09% 9.19% Tier I Ratio (%)
Slide 71: Awards and Accolades
Awards and Accolades Bank has won "National Award for SHG Bank Linkage 2018-19“ for outstanding performance in SHG Financing, by DAY- NRLM,GOI on 11th June 2019 at New Delhi Bank has been bestowed two Awards at World HRD Congress organized by the Human Resource Development Management Committee at Ho
Slide 72: Awards and Accolades
Awards and Accolades Bank has been awarded as the ‘Best 50 PCI Companies’ for 2019 Bank has been conferred ‘SKOCH Order of Merit’ Awards for Project SparshPlus and Baroda Anubhuti program © 2019 Bank of Baroda. All Rights Reserved Page | 72
Slide 73: 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 74: Thank You
Thank You © 2019 Bank of Baroda. All Rights Reserved Page | 74