Bank Of Baroda · NSE:BANKBARODA
Bank Of Baroda — Q4 FY2020 Earnings Presentation
71 slides from Bank Of Baroda's earnings presentation, Jun 24, 2020
Slide 1: Performance Analysis Q4 FY2020
Performance PerformanceAnalysis Analysis Q3 Q4FY FY2020 2020 Jan 24, 2020
Slide 2: Safe Harbor
Safe Harbor This presentation has been prepared by Bank of Baroda (the our growth and expansion, the adequacy of our allowance for non- “Bank”) solely for information purposes, without regard to any performing loans, credit losses, our provisioning policies, specific objectives, financial situations
Slide 3: Contents
Contents Major Highlights Business Performance Financial Performance Asset Quality Capital Adequacy & Shareholding Integration Strengths & Initiatives Consolidated Financials © 2020 Bank of Baroda. All Rights Reserved Page | 3
Slide 4: Major Highlights
Major Highlights © 2020 Bank of Baroda. All Rights Reserved Page | 4
Slide 5: Major Highlights for Q4FY20
Major Highlights for Q4FY20 Operating Profit for Q4FY20 increased to INR 5,121 crore, an increase of 47.9% due to 23.2% decline in operating expenses 1 (Q4FY19 included amalgamation related one-off). Trading gains higher by 74.1%. Global NIM during Q4FY20 increased to 2.67% from 2.62% in Q4FY19 and
Slide 6: Progress in the quarter
Progress in the quarter Particulars Dec 31, 2019 Mar 31, 2020 Particulars (INR crore) Dec 31, 2019 Mar 31, 2020 (INR crore) Total Business 15,50,627 16,36,106 Gross NPA 73,140 69,381 Total Deposits 8,96,162 9,45,985 Net NPA 26,504 21,577 Net NPA Ratio 4.05% 3.13% Domestic Deposits 7,82,070 8,08,706
Slide 7: Business Performance
Business Performance © 2020 Bank of Baroda. All Rights Reserved Page | 7
Slide 8: Business Performance (1/2)
Business Performance (1/2) Terminal Figures Particulars Mar’19 Dec’19 Mar’20 YOY (%) (INR crore) Total Business 15,66,544 15,50,627 16,36,106 4.44 Domestic Business 13,47,186 13,26,796 13,79,047 2.37 Total Deposits 9,15,159 8,96,162 9,45,985 3.37 Domestic Deposits 7,94,435 7,82,070 8,08,706 1.80 CAS
Slide 9: Sustained CA and SA Ratio
Sustained CA and SA Ratio Savings Deposits Ratio Current Deposits Ratio CASA Ratio 39.07 32.9 38.84 32.7 37.26 6.14 6.11 6.14 31.1 Mar'19 Dec'19 Mar'20 Mar'19 Dec'19 Mar'20 Mar'19 Dec'19 Mar'20 Domestic SA ratio Domestic CA Deposits Domestic CA Deposits © 2020 Bank of Baroda. All Rights Reserved Pag
Slide 10: Cost of Deposits
Cost of Deposits Quarterly Cost of Deposit Yearly Cost of Deposit 5.53% 5.43% 5.39% 5.25% 5.20% 5.09% 4.97% 4.98% 4.86% 4.76% Mar'19 Dec'19 Mar'20 Mar'19 Mar'20 Global Deposits Domestic Deposits Global Deposits Domestic Deposits Cost of domestic deposits has gone down sequentially © 2020 Bank of Bar
Slide 11: Credit Portfolio- well diversified
Credit Portfolio- well diversified % share in Gross Domestic Credit in Mar’ 20 Particulars Mar ’19 Dec ’19 Mar ’20 Agriculture Others (incl LABOD & (INR crore) 14.42% Staff loans) 3.70% Corporate 2,77,038 2,70,896 2,91,543 Retail (excl MSME 86,985 87,041 87,328 LABOD) Corporate 19.79% 47.71% Retail
Slide 12: Steady Retail Loan Growth - Terminal
Steady Retail Loan Growth - Terminal Retail Credit – By Segment (INR crore) Percentage Growth in Retail, Home and Auto loans (ex Pool purchase) 1,19,085 1,20,657 40% 1,08,525 15,868 31% 16,320 14,282 5,119 5,287 4,455 16,490 15,871 16% 11,742 18% 8% 11% 81,775 83,012 78,047 Mar'19 Dec'19 Mar'20 Mar'
Slide 13: Risk profile- Post Amalgamation
Risk profile- Post Amalgamation As on 01.04.2019 As on 31.03.2020 6% 1% 17% 17% 11% 8% 69% 71% Above 725 701-725 Up to 700 -1 Above 725 701-725 Up to 700 -1 *Based on Amt. *CIBIL scores (V1) as on 01.04.2019 have been converted into corresponding Credit Vision CIBIL Scores © 2020 Bank of Baroda. All
Slide 14: MSME Portfolio CIBIL–CMR/CRIF Rank-wise
MSME Portfolio CIBIL –CMR/CRIF Rank-wise 100% 100% Standard Portfolio Distribution %- NPA % CMR rank wise CMR Rank 100% 96% 90% 93% 98% 100% 85% 93% 89% 83% 72% 52% 67% 57% 58% 36% 26% 27% 28% 15% 19% 11% 9% 7% 3% 10% 1% 6% 1% 7% 0% 3% 1% 1% 2% 3% 0% 0% Dec'19 Mar'20 Dec'19 Mar'20 • CMR 1-4 increase
Slide 15: Improving Rating Profile
Improving Rating Profile 55.76% 57.97% 62.19% 74.76% 15.59% 12.82% 13.40% 17.14% 16.01% 9.08% 13.30% 6.46% 11.15% 13.19% 11.11% 9.70% Mar'19 Dec'19 Mar'20 Incremental Mar-19-Mar20 A & Above BBB Below BBB Unrated *External Rating Distribution of Domestic Advances above INR 5 Crore © 2020 Bank of Baro
Slide 16: Industry-wise Exposure
Industry-wise Exposure Mar ’19 Dec ’19 Mar ’20 Particulars (INR crore) Outstanding %share Outstanding %share Outstanding %share Infrastructure of which 79,288 13.38 62,333 10.67 62,045 10.15 1. Power 40,631 6.85 32,199 5.51 29,805 4.88 2. Telecom 7,958 1.34 9,360 1.60 11,617 1.90 3. Roads & Ports 11
Slide 17: Segment wise breakup and Ratings of NBFC Standard exposure
Segment wise breakup and Ratings of NBFC Standard exposure Segment wise breakup of NBFC Standard Rating Profile of NBFCs NBFC standard exposure at Rs exposure 1,10,877 crore Particula Particulars (INR crore) Dec ’19 Mar ’20 Dec’19 Mar’20 rs Pvt others Asset Finance Company (AFC) 13,092 Exposure Expo
Slide 18: Yield on Advances
Yield on Advances Quarterly YOA Yearly YOA 8.77% 8.82% 8.73% 8.65% 8.62% 7.98% 7.94% 7.99% 7.91% 7.82% Mar'19 Dec'19 Mar'20 Mar'19 Mar'20 Domestic Global Domestic Global © 2020 Bank of Baroda. All Rights Reserved Page | 18
Slide 19: Treasury operations
Treasury operations Particulars Mar ’19 Dec ’19 Mar ’20 • Domestic investment book comprises of 63.76% in (INR crore) HTM; 36.17% in AFS and 0.07% in HFT. Domestic 2,53,704 2,56,157 2,65,016 Investments • The percentage of SLR Securities to NDTL at March 31, 2020 was at 26.05%. of which 2,15,070 2,1
Slide 20: Yield on Investment
Yield on Investment Quarterly YOI Yearly YOI 7.58% 7.58% 7.24% 7.07% 7.31% 7.59% 7.59% 7.04% 6.97% 7.17% Mar'19 Mar'20 Mar'19 Dec'19 Mar'20 Domestic Global Domestic Global © 2020 Bank of Baroda. All Rights Reserved Page | 20
Slide 21: Business Performance-International
Business Performance-International Particulars Mar’19 Dec’ 19 Mar’ 20 YOY (%) QOQ (%) (INR crore) Terminal Figures Total Business 2,19,356 2,23,831 2,57,010 17.17% 14.82% Total Deposits 1,20,723 1,14,092 1,37,279 13.71% 20.32% CASA Deposits 15,390 16,469 17,873 16.13% 8.52% Total Saving Deposits 2,8
Slide 22: Cluster wise Business of Overseas branches
Cluster wise Business of Overseas branches 2.06% 2.28% 2.23% 2.13% 1.92% 12.53% 13.62% 14.21% 13.24% 12.18% 16.26% 15.40% 17.40% 20.71% 18.27% 34.84% 32.31% 32.35% 34.05% 35.17% 34.39% 36.20% 32.35% 31.79% 32.13% Mar'19 Jun'19 Sep'19 Dec'19 Mar'20 America GCC European East Asia and Far East African
Slide 23: Breakup of Advances -International
Breakup of Advances -International Particulars As % of As % of As % of Mar’19 Total Dec’19 Total Mar’20 Total (INR Crores) Advances Advances Advances Buyer’s Credit 2,480 2.35% 1,303 1.11% 1,014 0.78% New Trade Credit (Supplier’s credit/ UPAS) 12,886 12.19% 19,017 16.18% 21,604 16.60% BP / BD under
Slide 24: Key Ratios - International Operations
Key Ratios - International Operations 4.40% 4.08% 3.82% 3.91% 3.76% 3.54% 3.34% 2.88% 2.22% 2.19% 1.97% 1.96% 1.70% 1.76% 1.77% 1.54% 1.66% 1.72% 1.49% 1.45% 1.51% 1.26% 1.21% 1.14% Mar' 18 Jun'18 Sep' 18 Mar' 19 Jun'19 Sep'19 Dec'19 Mar'20 Cost of Deposits (%) Yield on advances (%) Net Interest Mar
Slide 25: Financial Inclusion (1/2)
Financial Inclusion (1/2) Total Financial Inclusion Accounts (in Lakh) Balance/ Average Balance in Financial Inclusion 512 508 20000.0 accounts 18,731 3800 500 16,921 15,999 3600 14,973 3,658 15000.0 13,362 470 3400 453 3,337 3200 10000.0 3,206 3,186 3000 2,950 5000.0 2800 Dec '18 Mar'19 Sep '19 Dec
Slide 26: Financial Inclusion (2/2)
Financial Inclusion (2/2) Social Security Schemes Enrolment up to Particulars (in Lakh) Dec ’18 Sep ’19 Dec ’19 Mar ’20 Pradhan Mantri Suraksha Bima Yojana 119.4 148.7 157.7 165.8 Pradhan Mantri Jeevan Jyoti Bima Yojana 33.44 42.72 44.78 46.93 Atal Pension Yojana 12.94 17.74 19.19 20.04 Zero Balance
Slide 27: Financial Performance
Financial Performance © 2020 Bank of Baroda. All Rights Reserved Page | 27
Slide 28: Net Interest Margin (%)
Net Interest Margin (%) Quarterly NIM Yearly NIM 2.88% 2.85% 2.81% 2.80% 2.78% 2.84% 2.80% 2.78% 2.77% 2.68% 2.73% 2.67% 2.62% 2.64% Mar'19 Dec'19 Mar'20 Mar'19 Mar'20 Domestic Ex It refund Global Domestic Excluding It refund Global © 2020 Bank of Baroda. All Rights Reserved Page | 28
Slide 29: Operating Performance
Operating Performance Particulars Q4 FY 19 Q3 FY 20 Q4 FY 20 YOY (%) FY 19 FY 20 YOY (%) (INR crore) Interest on advances 13,211 13,583 13,292 0.6 51,118 54,116 5.9 Interest on investments 4,727 4,569 4,464 -5.6 18,600 18,097 -2.7 Other Interest income 799 915 943 18.0 3,083 3,771 22.3 Total Interes
Slide 30: Non-Interest Income
Non-Interest Income Particulars Q4 FY 19 Q3 FY 20 Q4 FY 20 YOY (%) FY19 FY20 YOY (%) (INR crore) Commission, Exchange, 676 652 716 5.8 2,426 2,590 6.8 Brokerage Incidental Charges 304 284 310 2.2 983 1,014 3.2 Other Miscellaneous Income 391 321 367 -6.2 1,505 1,248 -17.1 Customer Forex Income 128 12
Slide 31: Operating Expenses
Operating Expenses Particulars (INR crore) Q4 FY 19 Q3 FY 20 Q4 FY 20 YOY (%) FY19 FY20 YOY (%) Employee Cost 3,338 2,594 1,954 -41.4 9,342 8,770 -6.1 of which: Salaries 1,700 2,023 1,837 8.1 6,541 7,297 11.6 Provisions for employees 1,638 571 117 -92.8 2,801 1,472 -47.4 Other Operating Expenses 2,5
Slide 32: Profit Position
Profit Position Particulars YOY Q4 FY 19 Q3 FY 20 Q4 FY 20 FY 19 FY 20 YOY (%) (INR crore) (%) Operating Profit 3,462 4,958 5,121 47.9 16,545 19,691 19.0 Total Provisions 12,335 6,365 4,614 -62.6 24,884 19,145 -23.1 of which Provision for NPA & Bad Debts 10,368 6,621 3,190 -69.2 20,972 16,405 -21.8
Slide 33: Asset Quality
Asset Quality © 2020 Bank of Baroda. All Rights Reserved Page | 33
Slide 34: Movement in NPAs
Movement in NPAs Particulars Q4 FY 19 Q1 FY 20 Q2 FY 20 Q3 FY 20 Q4 FY 20 FY19 FY20 (INR crore) A. Opening Balance 74,322 69,924 69,714 69,969 73,140 80,367 69,924 4,485 B. Additions 7,305 6,624 7,259 11,820 24,900 23,315 Out of which, Fresh 6,554 5,583 6,001 10,387 3,050 20,334 18,665 Slippages C.
Slide 35: Provision Coverage Ratio
Provision Coverage Ratio Particulars Mar’19 Dec’19 Mar’20 Gross Advances (INR crore) 6,97,824 7,01,266 7,38,096 Gross NPA (INR crore) 69,924 73,140 69,381 Outstanding Provisions on NPAs/ Eligible 46,130 46,636 47,804 deductions (INR crore) Net NPA (INR crore) 23,794 26,504 21,577 Gross NPA Ratio (%)
Slide 36: NPA Ratios
NPA Ratios 10.43% 10.02% 9.40% 4.05% 3.65% 3.13% Mar'19 Dec'19 Mar'20 Gross NPA Ratio Net NPA Ratio © 2020 Bank of Baroda. All Rights Reserved Page | 36
Slide 37: Sectoral & Industry wise Contribution of NPAs
Sectoral & Industry wise Contribution of NPAs Particulars Mar ’19 Dec ’19 Mar ’20 Industry (INR crore) Mar’ 19 Dec ’19 Mar ’20 (INR crore) Infrastructure of which 13,011 11,892 9,100 Corporate 40,594 38,349 36,934 4,943 1. Power 3,545 2,335 MSME 2. Telecom 4,423 4,135 3,825 9,883 11,130 11,370 3. Ro
Slide 38: Exposure to NCLT accounts
Exposure to NCLT accounts 51844 99.57% 35015 93.01% 92.87% 88.04% 84.76% 4878 6060 5891 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 Exposure in INR
Slide 39: Asset Quality – Watch list
Asset Quality – Watch list 12500 INR in crore All stressed accounts under SMA included in the 2600 watch list. OTHERS 90% slippage in March 2020 quarter was from (International) OTHERS watch-list of December 2019 of Amalgamated 4205 TEXTILES Book. IRON & STEEL ROAD & EPC 1285 285 NBFC POWER 3119
Slide 40: Movement of portfolio under SMA
Movement of portfolio under SMA 2.25% 2.20% 2.12% 2.06% 1.63% 1.54% 1.48% 1.39% 1.20% 1.20% Mar' 19 Jun' 19 Sep'19 Dec'19 Mar'20 Mar' 19 Jun' 19 Sep'19 Dec'19 Mar'20 Percentage of SMA2 movement with total advances Percentage of SMA1 movement with total advances • The SMA data shown is for global adv
Slide 41: Capital Adequacy & Shareholding
Capital Adequacy & Shareholding © 2020 Bank of Baroda. All Rights Reserved Page | 41
Slide 42: Capital Adequacy
Capital Adequacy 12.98% 13.48% 13.30% 11.50% Tier II 2.07% 2.03% 2.59% AT-1 Tier I 1.94% 1.07% 1.60% 1.27% CET-1 1.06% 9.56% 11.45% 9.84% 10.91% 9.85% 10.71% 8.49% 9.44% Jun'19 Sep'19 Dec'19 Mar'20 Particulars (INR crore) Sep ’19 Dec ’19 Mar ’20 Common Equity Tier I Capital (CET 1) 56,489 56,979 57,
Slide 43: Shareholding Pattern as on March 31, 2020
Shareholding Pattern as on March 31, 2020 Bodies Indian Public, Corporates, As on March 31, 2020 Foreign 7.99% 0.65% Others, 1.30% Holding, 4.89% Insurance Share Capital: INR 924.11 crore. Companies, 3.56% Mutual Funds, 10.01% Equity shares of Bank of Baroda are part of the following Indices: Go
Slide 44: Integration
Integration © 2020 Bank of Baroda. All Rights Reserved Page | 44
Slide 45: Integration update
Integration update Migration of all corporate and common NPA Branch rationalization underway with 650+ accounts into Bank of Baroda completed branches rationalized All ATMs from eVB and eDB migrated to Bank of Baroda ATM rationalization in-progress with 110+ low-hit ATMs rationalized Onboarding of a
Slide 46: Integration update – IT & HR
Integration update – IT & HR IT integration update CBS migration underway for eVB branches – 152 Payment system integration of NEFT/RTGS, branches migrated successfully to BOB IMPS, NACH/ECS etc. has been completed Integration of CTS solution completed along IP address harmonization across 4000+ bra
Slide 47: Strengths & Initiatives
Strengths & Initiatives © 2020 Bank of Baroda. All Rights Reserved Page | 47
Slide 48: Key Strengths
Key Strengths Strong domestic presence through 9,482 branches & Well distributed branch network with 31% coverage in Rural, 13,193 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 49: Pan India Presence
Pan India Presence Domestic Branch Network ATM Network 9,444 9,449 9,470 9,482 2,973 2,930 2,932 2,934 5,546 5,553 2,509 2,523 2,524 2,525 1,843 1,845 1,541 1,546 1,850 1852 1858 1860 958 959 2,112 2144 2156 2163 1204 1,203 Dec-18 Mar'19 Jun' 19 Sep-19 Dec-19 Mar'20 Metro Urban Semi Urban Rural Bank
Slide 50: International Presence spanning 101 overseas offices across 21 countries
International Presence spanning 101 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 51: Supply Chain Finance Accelerating Business Momentum
Supply Chain Finance Accelerating Business Momentum Spokes Sanctioned (INR crore) Anchors Sanctioned (INR crore) Revenue (INR crore) 3107 27738 27739 2868 26488 24530 During Quarter 167 2503 Cumulative 135 1871 15515 16030 104 1621 1425 77 54 34 31 32 20 23 27 16 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 M
Slide 52: Baroda DigiNext Cash Management: Rapidly Increasing Market-share
Baroda DigiNext Cash Management: Rapidly Increasing Market-share Fee Income (in crores) 140 Avg CASA+Dep (in '000 crores) 7.15 104 5.86 83 68 4.34 4.62 4.16 53 3.29 36 36 17 15 15 21 14 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 During Quarter Cumulative Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Tran
Slide 53: Credit cards-Growing Momentum: New Issuance & Spends
Credit cards-Growing Momentum: New Issuance & Spends 79,746 New cards issued Spends -by amount in 762 60,980 INR crore 57,434 48,480 49,273 512 518 465 40,145 380 332 251 266 22,638 9,306 Q1 FY 19 Q2 FY 19 Q3 FY 19 Q4 FY 19 Q1 FY 20 Q2 FY 20 Q3 FY 20 Q4 FY 20 Q1 FY 19 Q2 FY 19 Q3 FY 19 Q4 FY 19 Q1 F
Slide 54: Digitisation
Digitisation Banking services through Digital gaining traction On boarding continues to 41 Lakh show traction 34 Lakh 88% User Onboarding New users on digital platform onboarded during Q4FY20 New users on boarded during April – May 2020 Eligible SB accounts opened through Tab banking Ranks Top 3 Amo
Slide 55: Digital Footprint
Digital Footprint Digital Network 11613 22% 105% POS/ECOM UPI Outward (F) txns (YOY growth) (YOY growth) 1580 1196 540 ATM Cash Recycler E-lobbies (Incl express E- Active Debit Card (in lac) 335% 48% lobbies) Txns Recent Initiatives (YOY growth) Mobile Banking (F+NF) • Waiver of Service charges for
Slide 56: BOB's Mobile Banking ranked amongst top 3 in Large Indian banks
BOB’s Mobile Banking ranked amongst top 3 in Large Indian banks Ranked 2 on Google Play Store among similar mobile banking apps Ranking Based on Google Play Store Ranking Based on App Ratings Store Ratings Ranked 3 on Apple Store among similar mobile banking apps Rating Size Downloads Rating Size (M
Slide 57: COVID-19 impact on Verticals
COVID-19 impact on Verticals Banking services –Verticals Low App Agriculture Relatively less impact of Covid-19 Gold ~Rs 18k crore Gold loan Agri Digital - Baroda Kisan App disbursement PSB Ranks highest in terms of CMR rated customer above Nil Delinquency in Supply Chain 77% MSME 59 sanction, disbu
Slide 58: Human Resources
Human Resources Banking services – HR services Thermal Scanners, Hand gloves, Employees with disability/ All customers were provided with sanitizers, face masks have been Visually Impaired employees hand sanitization facility upon Safety Measures provided at all branches/ offices in have been exempt
Slide 59: New Fintech Initiatives
New Fintech Initiatives FINTECH INNOVATION Retail Start-up Banking CENTRE Dedicated Customized Bank of Baroda - IIT Bombay Fintech Innovation On The Fly - Digital EMI Product Relationship Start-Up Banking Managers Centre Branches Products Launched on 04.12.2019, in tie- BOB-IITB IC was inaugurated b
Slide 60: Key Updates – Shared Services
Key Updates – Shared Services BGSS lent support to Bank’s efforts to sustain banking operations during lockdown to ensure business continuity without any adverse impact while taking all required precautions. Uninterrupted digital operations were ensured by maintaining ATM uptime higher than 88% and
Slide 61: Social Media Footprints
Social Media Footprints Facebook Twitter YouTube 01.01.2016 01.01.2016 01.04.2016 15 Lac + 1,05,000+ 46,000+ Followers Followers Subscribers Instagram LinkedIn 20.07.2017 01.01.2018 1,31,000+ 83,700+ Followers Followers Data as on 20.05.2020 © 2020 Bank of Baroda. All Rights Reserved Page | 61
Slide 62: Consolidated Financials
Consolidated Financials © 2020 Bank of Baroda. All Rights Reserved Page | 62
Slide 63: Subsidiaries, Joint Ventures and Associates
Subsidiaries, Joint Ventures and Associates Net Profit of Domestic Subsidiaries, Joint Ventures and Associates (Rs crore) Net Profit of International Subsidiaries, Joint Ventures and Associates Subsidiaries FY18 FY19 FY20 BOB Financial Solutions 15.41 4.06 (31.53) Limited Subsidiaries FY19 FY20 BOB
Slide 64: Performance of Subsidiaries, Joint Ventures and Associates
Performance of Subsidiaries, Joint Ventures and Associates Baroda Global Shared Services Limited Baroda Asset Management India Limited • Centralisation of back office services • Average AUM for FY 2020 at Rs.10,676 crore • Value added services like center of excellence for • Equity AUM grew by 30% Y
Slide 65: Balance Sheet – Consolidated
Balance Sheet – Consolidated Particulars Mar ’19 Dec ’19 Mar ’20 (INR crore) CAPITAL & LIABILITIES Capital 530 925 925 Share Application Money Pending Allotment 0 Reserves & Surplus 48,646 74,481 75,179 Minority Interest 331 361 386 Deposits 6,36,766 9,23,426 9,73,228 Borrowings 70,401 93,310 95,753
Slide 66: Profit & Loss – Consolidated
Profit & Loss – Consolidated Particulars FY19 FY20 (INR crore) Interest Income 52,906 78,895 Non Interest Income 7,887 12,191 Total Income 6,07,93 9,10,86 Operating Expenses 12,769 2,05,76 Operating Profit 15,518 20470 Provisions 14,432 1,95,28 Profit after Tax 1,087 927 EPS (INR) 4.16 1.74 © 2020 B
Slide 67: Capital Adequacy - Consolidated
Capital Adequacy - Consolidated Key ratios (Consolidated) Mar’19 Dec’19 Mar’20 Common Equity Tier I Capital (CET 1) (INR crore) 42,026 62,468 63318 Tier I (INR crore) 47,035 71,715 71009 Tier II (INR crore) 7,446 11,808 15966 Total Capital (INR crore) 54,481 83,523 86975 CET 1 Ratio (%) 9.74% 10.45%
Slide 68: Awards and Accolades (1/2)
Awards and Accolades (1/2) The Research Team of Baroda Apex Academy Bank was awarded with IPE award for "BEST presented a paper on the theme 'Technological PRACTICES IN CSR AWARDS-2020" for LIVELIHOOD Development in Banking and Payment INITIATIVE. Award was received by Shri P.Srinivas, Systems' and
Slide 69: Awards and Accolades (2/2)
Awards and Accolades (2/2) Bank has three awards at Indian Banks’ Association (IBA) Banking Technology Conference, Expo and Awards 2020, held at Hotel Trident, Mumbai. 1. Best Technology Bank of the Year - Large Bank - Runner Up 2. Best Payments Initiatives Amongst Public Sector Banks -Runner Up 3.
Slide 70: 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 71: Thank You
Thank You © 2020 Bank of Baroda. All Rights Reserved Page | 71