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Bank of Barcda Finahcial Result!

q3 and Apr-Oec, 2015-16 (FY16)


February lr, 2(n6

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Total Eusiness at19,73,959 crore at end-De.,2015


Domestic CASA rhare e129.97%
Gross NPA at 9.6896 & Net NPA at 5.67%
Piovision Coverage Ratio at 52.7096
Oper.ting Protit { 1,7(X rror in q3, FY16
et Proflt at (-l 13,:!12 crorr in q3, FY16
CRAR (Basel ll) at 12.95% and CRAR (Baselltl) at 12.ft{
Management vier ls that no furdter i$u.nce o{ quity capital ir rquired in the foreseeable
tuture and hai also adviid tte Govemment of lndia that no further suppon by way of irrusion ot
equity c.pltal ls requlrd,

Bank of Baroda aDnounced its reviewed results for the th,rd quarter
following th approval of its Board of Directors on February 13, 2016.

ReiulB at
Prrticular

a Glance

Nine Months Results

Quanerly Results
Q,l, FY16

of 2015-76 (Q3, FY16)

Q3, FYls

Apr-Oec:

Apr-Irc:

r]t!6

FYlS

cror)

({ dore}

{i

crore)

({ crore}

Total lncome

Lt 72635

1tg}8.34

36,271,O7

35,3O4,15

lntereit lncome

10,514.()4

10,717.5

33,(X5'89

32,m1.52

lnterest Erpens'
l\let lntercst lnaome
Other lncome

7,N.m

7,$1.45

23,64r.4

2ltfi.8

47OS.v

3,8.14

9,M.4t

10,ols.s5

1,112-91

L(m3s

3,224,L4

3.(r.s4

Total Expenses

10,02231

9,,t59.3

24,(86,S9

Operatlng Expenss

2,LL4.1L

LO37.45

:to,o27.!t5
5,390,5

ofwhich,

L,t5r'..79

1,119.ra

1543.85

3,333.11

Oper.tih8 Profit

1,7011.14

2.3i,9.U

5,2tt.tt

7,221.57

Provision tor NPA

6,t74-ta

\l|I)42

8186

2,106

Provision tor Tax

-1,118.37

742.al

-247.17

1.7,,.49

Net Profit

-3,y2.U

38.lla

-2,165.41

2,8lD.Oa

(<

tgoo.s3

Emolovee Cost

BUSINESS EXPANSION
The Bank's Total Eusiness expanded by 1.64% (y-o-y) to

9,73,959 crore in Q3, FY16.

Total Deposits increased by 4.44% (y-o-y) to I 5,8!r,687 crore. However, the y-o-y growth in
total Domesti. Deposits on average basis {based on daily averages) was at 72.79%. Tolal
Deposits on averaSe basis grew by 9.49%.

groMh in CASA (Domestic) deposit on average basis was 72.07%.


Share of Domestic CAsA deposits stood at 29.97% as of December 31, 2015 and on daily
On year-on-year (y-o-y) basis

average basis Domestic CASA share stood at 29,10%.

TotalAdvances decreased by -2.38 % (y-o-y) to 13,84,272 dore. However, on Average basis,


y-o-y growth in Domestic Advance was 6-66%. Total Advances growth on average basis stood
at 7.59%. Retail Credit increased by 6.14% (y-o-y) to i 51,728 crore and formed 18.9 % of its
Gross Domestic Credit as on 31" Dec,2015. Within Retail Credit, the home loan portfolio
increased by 12.53%. Farm Oedit grew by 11.8396 (y-o-y) to I :14,8:!5 crore.
The Bank's Overseas Buslness continued to occupy a si8nificant position in its overall business.
As at December 31, 2015, the Overseas Operations contributed 31% to the Eank's Total
Business.

INCOME

The Bank's Total lncome stood at 11,727 crore in Q3, FY16 and Net lnterest lncome stood at
12,705 crore. (Xher lncome increased by 2.07% to t 1,113 crore.
EXPENSES

The Bank's Total Expenss grew by 5.85% (y-o-y) to l1O,O23 crore in Q3, FY16, Operating
Expenses grew by 3.766/" to < 2,174 crore and lnterest Elpehses grew by 6.42% to 17,9C) crorc.
ASSET QUALITY
Gross NPA ofthe Bank stood at l3&934 crore as on December 31, 2015. Fresh slippage during
the quarter was at <1t5O3 crore, The Grors NPA ratio stood at 9.68% as on 315t Dec, 2015,
while the Net lilPA ratio stood at 5.67%. Gross PA of ove6eas businEs was 4.89 % in q3,
FYIS while net NPA was 2.75%.

Total Restructured standard Assets of the Bank decreased from 122,930 crore as on
September 30, 2015 to

17,135 crore as on December 31, 2015.

PROVISIONS ANO CONTINGENCIES

Proviilons and Contingencies (excluding tax prorisions) made by the Bank stood at 16,164
sore in Q3, FY16 versus I 1,262 crore in Q3, FY15. Provisions against "NpAs/ Bad Debts
written off" stood at I 6,474 crote in Q3, FY16. The provision for Q3 FY 16 (excluding one
timers) amounts to < 3,708 crore (comparable to Q3 FY 15 - < 1,150 crore).

,\

Provision CoyeraSe Ratio (PCR) ofthe Bank was at 52.7096 as on December 31, 2015.
Bank's Tax Provision was at (-)

1,118 crore due to write back.

PROFIT
The Bank's Operating Profit was i1,704 crore in Q3, FY16 as against 12,339 crore in Q3, FY15.
Its Net Profit for Q3, FY16 stood at (-) t 3,:t42 crore.
While the Bank does not provide any forward guidance, the management is confident that the
Bank will make profit in Q4 FY16 and expects to provide reasonable return on clpital in FY17.

CAPITAL ADEQUACY
The CRAR (Basel lll) was at 12.18% as on December 31, 2015. Out of this, the share of Tier 1
capital was 9.57% and that of CET Capital was 9.04%. Based on existing position of capital
including CET1, the mana8ement has advised the Government that the Sank does not currently
require additional support by way of subscription to equity capital.

KEY FINANCIAT RATIOS


The Bank's Net Worth stood at < 35,579 crore as on Oecember 31, 2015The Bank's Bookvalue per Share stood at I 154.41as on December 31, 2015.

AWARDS Apr-Dec. FY15


Bank of Baroda was conferred the Best Public Sector Bank unde. the cateSory "Global
Business" at the Dun & Bradstreet Banking Awards 2015.
Bank of Baroda was awarded HR Excellence Award by Business world for "Best initiative

for

Engaging Suprannuated Employees".

Bank of Baroda won the First Prize under All lndia Rajbhasha Kriti Purashkar scheme

of

Government of lndia for the Bank's outstanding performance in Official Language


lmplementation under the category of nationalized banks in linguistic region "8", for the
year 2014-15,

garoda was conferred BML Munial award in the Public Sector CateSory for
"gusinss Excellence through Leaming & Development- 2015".
Bank

of

February 13, 2016


Mumbai

V S Narang
General Marager
(Strategic Planning & Performance Budgeting)
and Chlef lntormation Officer