Bank Of Baroda · NSE:BANKBARODA
Bank Of Baroda — Q3 FY2022 Earnings Presentation
39 slides from Bank Of Baroda's earnings presentation, Feb 5, 2022
Slide 1: Performance Analysis Q3 FY 2022
Performance Analysis Q3 FY 2022 1
Slide 2: Major Highlights
Major Highlights © 2022 Bank of Baroda. All Rights Reserved Page | 2
Slide 3: Major Highlights
Major Highlights Business Details (INR crore) Key performance drivers Dec 31, 2020 Dec 31, 2021 YoY(%) Domestic CASA Deposits 3,43,937 3,88,169 12.86 Domestic CASA Ratio (%) Net Profit (INR crore) Domestic Savings 308 bps YoY 193.01% YoY 2,87,393 3,22,909 12.36 Deposits Domestic Current 44.28 43.46
Slide 4: Financial Performance
Financial Performance © 2022 Bank of Baroda. All Rights Reserved Page | 4
Slide 5: Key Ratios
Key Ratios Cost of Deposits NIM Domestic Domestic Global International 3.12% 3.21% 3.21% 2.90% 2.96% 4.27% 4.10% 3.92% 3.84% 3.80% 3.85% 3.71% 3.55% 3.52% 3.50% Jun'21 Sep'21 Dec'21 Dec'20 Dec'21 International 0.81% 1.45% 1.45% 0.63% 0.50% 1.33% 0.45% 0.46% 1.21% Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 0
Slide 6: Operating Performance
Operating Performance Particulars Q3 FY21 Q2 FY22 Q3 FY22 YOY (%) 9M FY21 9M FY22 YOY (%) (INR crore) Interest on advances 12,484 11,644 12,631 1.18 38,304 36,443 -4.86 Interest on investments 4,172 4,212 4,567 9.47 12,944 12,851 -0.72 Other Interest income 840 835 765 -8.93 2,563 2,413 -5.85 Total
Slide 7: Non-Interest Income
Non-Interest Income Particulars Q3 FY21 Q2 FY22 Q3 FY22 YOY (%) 9M FY21 9M FY22 YOY (%) (INR crore) Commission, Exchange, 643 709 743 15.55 1,806 1,985 9.91 Brokerage Incidental Charges 224 288 287 28.13 634 815 28.55 Other Miscellaneous Income 276 277 317 14.86 761 882 15.90 Forex Income 205 225 21
Slide 8: Operating Expenses
Operating Expenses Particulars Q3 FY21 Q2 FY22 Q3 FY22 YOY (%) 9M FY21 9M FY22 YOY (%) (INR crore) Employee Cost 3,050 3,114 3,103 1.74 8,321 9,276 11.48 of which: Salaries 2,051 2,325 2,206 7.56 6,115 6,884 12.58 Provisions for 999 789 897 -10.21 2,206 2,392 8.43 employees Other Operating Expenses
Slide 9: Profit Position
Profit Position Particulars Q3 FY21 Q2 FY22 Q3 FY22 YOY (%) 9M FY21 9M FY22 YOY (%) (INR crore) Operating Profit 5,084 5,670 5,483 7.85 14,965 16,754 11.95 Total Provisions 3,450 2,754 2,506 -27.36 12,088 9,266 -23.35 of which Provision for NPA & Bad 2,080 2,600 4,283 7,815 9,440 20.79 Debts Written
Slide 10: Business Performance
Business Performance © 2022 Bank of Baroda. All Rights Reserved Page | 10
Slide 11: Deposits
Deposits Particulars % share in Domestic Deposits in Dec’ 21 (INR crore) Dec’20 Dec’21 YOY (%) Sep’21 Dec’21 QoQ (%) Domestic CASA Deposits 3,43,937 3,88,169 12.86 3,75,766 3,88,169 3.30 Savings Deposits Domestic Saving 37% 2,87,393 3,22,909 12.36 3,15,668 3,22,909 2.29 Deposits Term Domestic Curren
Slide 12: Advances
Advances Particulars % share in Gross Domestic Credit in Dec’ 21 Dec’20 Dec’21 YOY (%) Sep’21 Dec’21 QoQ (%) (INR crore) Retail* 1,16,046 1,28,960 11.13 1,23,424 1,28,960 4.49 Agriculture Others (incl 16.2% LABOD & Home Loans* 72,159 76,898 6.57 74,308 76,898 3.49 Staff loans) 3.6% Auto Loans* 19,39
Slide 13: Risk profile – Retail loans
Risk profile – Retail loans As on 31.12.2020 As on 30.09.2021 As on 31.12.2021 0% 3% 2% 14% 16% 14% 11% 10% 10% 73% 74% 74% 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
Slide 14: Industry-wise outstanding
Industry-wise outstanding Dec ’21 Particulars (INR crore) Outstanding share Rating Profile Infrastructure of which 97,334 14.88% 1. Power 43,670 6.67% 2. Telecom 11,088 1.69% 3. Roads & Ports 26,583 4.06% 4. Other Infrastructure 15,993 2.44% Basic Metals & Metal Industry 11,127 1.70% 74% 76% 79% of
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 Sep’21 Dec’21 Outstanding Outstanding 11% % Share % Share (INR cr) (INR cr) 18% Pvt others AAA 57,172 62.83 65.99 65,236 44% Backed by Large AA 23,316 25.6
Slide 16: Treasury operations
Treasury operations Particulars • Domestic investment book comprises of 62.29% in HTM; Dec ’20 Sep ’21 Dec ’21 (INR crore) 37.59% in AFS and 0.12% in HFT. Domestic • The percentage of Investments in SLR Securities to NDTL at 2,57,900 2,68,592 2,94,923 Investments Dec 31, 2021 was at 27.24%. of which
Slide 17: Financial Inclusion
Financial Inclusion Total Financial Inclusion Accounts Balance /Avg Balance in FI accounts (in Lakh) 632 Zero Balance Accounts (%) 23,972 25,158 618 21,055 5.5% 5.5% 5.4% 578 3,643 3,879 3,980 Dec'20 Sep'21 Dec'21 Dec'20 Sep'21 Dec'21 Market Share* of BOB in PMJDY Accounts (%) Dec'20 Sep'21 Dec'21 B
Slide 18: Asset Quality
Asset Quality © 2022 Bank of Baroda. All Rights Reserved Page | 18
Slide 19: Movement of NPAs
Movement of NPAs Particulars Q3 FY21 Q2 FY22 Q3 FY22 (INR crore) A. Opening Balance 65,698 63,029 59,504 B. Additions 4,560 5,802 3,491 Out of which, Fresh Slippages 3,986 5,223 2,830 C. Reductions 7,076 9,327 6,998 Recovery 1,471 1,966 2,032 Upgradation 824 2,106 1,272 Write-Offs 4,708 5,213 3,694
Slide 20: Sectoral & Industry wise Contribution of NPAs
Sectoral & Industry wise Contribution of NPAs Sector-wise NPA Industry-wise NPA Particulars (INR crore) Q3 FY21 Q2 FY22 Q3 FY22 Particulars (INR crore) Q3 FY21 Q2 FY22 Q3 FY22 Infrastructure of which 6,543 4,904 4,675 Corporate 27,357 18,769 16,389 1. Power 1,032 2,719 2,771 2. Telecom 3,825 1 1 MSM
Slide 21: Asset Quality: Sectoral Fresh Slippages
Asset Quality : Sectoral Fresh Slippages Fresh Slippages CRILC o/s SMA1 and SMA 2 (%) Particulars (INR Q3 FY21 Q2 FY22 Q3 FY22 crore) Corporate 0 2,941 602 MSME 0 1,095 1,013 Retail 0 451 501 3.79 Agriculture 0 639 615 1.87 Others 0 12 10 1.12 Total Domestic 0 5,138 2,741 Dec-20 Sep-21 Dec-21 Intern
Slide 22: Exposure to NCLT Accounts
Exposure to NCLT Accounts 48754 99.23% 98.28% 95.69% 94.00% 34400 79.99% 5092 6685 2577 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
Slide 23: Capital Adequacy
Capital Adequacy © 2022 Bank of Baroda. All Rights Reserved Page | 23
Slide 24: Capital Adequacy
Capital Adequacy 15.55% 15.47% 15.97% 14.99% 15.40% Tier II 12.93% 2.18% 2.32% 2.34% 2.34% 2.23% AT-1 1.82% 1.94% 1.88% 2.36% 1.73% 1.81% CET-1 1.59% 10.94% 11.25% 11.39% 11.30% 11.91% 8.98% Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Consol Dec'21 Dec ’21 Particulars (INR crore) Dec ’20 Sep ’21 Dec ’21 (Con
Slide 25: bob World
bob World © 2022 Bank of Baroda. All Rights Reserved Page | 25
Slide 26: bob World
bob World SAVE • Digital A/c opening in 10 mins • Digital Deposits opening- Tax Saving FD & R D s • Best-in-class welcome offers • Instant universal payments instrument • QR Code based payments INVEST • Easy to Invest/ B u y Insurance option • Wide range of services offered BORROW • 3 clicks; 30 sec
Slide 27: bob World – Umbrella brand for customer engagement
bob World – Umbrella brand for customer engagement bob Benefit bob World Wave bob World Gold Device Tokenization Launching in March 2022 Launching in June 2022 Launched in August 2021 Launching in February 2022 (Target Segment: Tech savvy customers) (Target Segment: Senior Citizen) (Target Segment:
Slide 28: 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 15 lakhs users have availed the Customized offers to be designed for 15 services lakh users for whom the bank has the credit reports Ability of send push E-commerce – Offer basis no
Slide 29: bob World Statistics
bob World Statistics App Downloads Activated Users Daily Active Users PL through bob World 28 Million 15 Million 3 Million 96% With 64 lakhs daily txns Lifetime (financial & non-financial) % IMPS txns through % Billpay txn through % FDs opened through bob World Market Share* bob World bob World 86%
Slide 30: Digital Traction
Digital Traction © 2022 Bank of Baroda. All Rights Reserved Page | 30
Slide 31: Digital Traction (Q3 FY22) 1/2
Digital Traction (Q3 FY22)…1/2 2nd 3rd 3rd Rank in Mobile Rank in Debit Card Rank in UPI Banking Issuance remittance Downloads Nov’21 Source: RBI Aug – Dec’21 Aug’21: bob World Launch Nov’21 Source: NPCI 99.64% 87% 85% UPI Remittance Transactions done Passbook updates Success Rate digitally done dig
Slide 32: Digital Traction (Q3 FY22) 2/2
Digital Traction (Q3 FY22)….2/2 57% 34% 97% New SHG Acquisition Digitally active (Digitally) customers Digital PL 1-23 Jan’22 As of 31.12.2021 As of 31.12.2021 53% 35% 30% Digital Retail Loans MSME Loans MSME Loans Sanctioned Processed Digitally Renewed Digitally As of 31.12.2021 As of 31.12.2021 As
Slide 33: Consolidated Financials
Consolidated Financials © 2022 Bank of Baroda. All Rights Reserved Page | 33
Slide 34: 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 Baroda Asset Management India Limited IndiaFirst Life recorded a growth of 68% Numbe
Slide 35: 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. The gross revenue for Q3FY22 is at INR 10.12 crore and India Infradebt focused on disbursement in BGSSL t
Slide 36: 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 3,214 crore as of 9M FY22 s
Slide 37: Balance Sheet and PL– Consolidated
Balance Sheet and PL– Consolidated Particulars Dec ’20 Sep ’21 Dec ’21 Particulars (INR crore) Q3 FY21 Q3 FY22 YOY (%) CAPITAL & LIABILITIES (INR crore) Capital 925 1,036 1,036 Net Interest Income 8,236 8,922 8.33 Share Application Money Pending 0 0 0 Allotment Non Interest Income 3,173 3,351 5.61 R
Slide 38: 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 39: Thank You
Thank You Try bob World Scan QR code to download © 2022 Bank of Baroda. All Rights Reserved Page | 39