#175 आज़ादी क अमृत महोत्सव बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA P देना DENA Performance Analysis Q4FY23 & FY23#2| Maj Major Highlights © 2023 Bank of Baroda. All Rights Reserved B बैंक ऑफ़ बड़ौदा Bank of Baroda Faratat VIJAYA मेना DENA Page | 2#3Major Highlights बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA सेना DENA Business Details (INR crore) Key Performance Drivers Mar 31, 2022 Mar 31, 2023 YoY (%) Net Interest Margin (%) Net Profit (INR crore) 45 bps YoY Domestic Deposits 9,27,011 10,47,375 13.0 28 bps YoY International Deposits Δ 1,18,928 1,56,313 31.4 3.53 3.31 Global Deposits 10,45,939 12,03,688 15.1 3.08 3.03 Retail Advances 1,40,399 1,78,037 26.8 Domestic Gross Advances 6,84,153 7,95,560 16.3 International Advances 1,33,968 1,73,988 29.9 Global Advances 8,18,120 9,69,548 18.5 Total Business 18,64,059 21,73,236 16.6 168.4% YoY Δ 7,272 4,775 1,779 *organic growth, excluding pool purchase 94% YoY A 14,110 Q4FY22 Q4FY23 FY22 FY23 Financial Performance (INR crore) FY22 FY23 YoY (%) Return on Assets Net Interest Income 32,622 41,355 26.8 77 bps YoY Fee based Income 5,486 5,997 9.3 Operating Profit 22,389 26,864 20.0 1.34 43 bps YoY Profit before Tax 9,387 19,727 1.03 Net Profit 7,272 14,110 94.0 GNPA Ratio (%) 6.61 3.79 (282 bps) 0.57 0.60 Q4FY22 Q4FY23 FY22 FY23 Return on Equity 1321 bps YoY 648 bps YoY 24.82 Δ 18.34 11.61 11.86 NNPA Ratio (%) 1.72 0.89 (83 bps) Capital Adequacy Ratio 15.68% 16.24% (Standalone) (%) 56 bps Q4FY22 Q4FY23 FY22 FY23 Q4FY22 Q4FY23 FY22 FY23 © 2023 Bank of Baroda. All Rights Reserved Page | 3#4Financial Performance © 2023 Bank of Baroda. All Rights Reserved B बैंक ऑफ़ बड़ौदा Bank of Baroda Faratat VIJAYA मेना DENA Page | 4#5Key Ratios Cost of Deposits Net Interest Margin B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA Domestic Domestic Global International 3.54% 3.65% 3.42% 3.14% 3.09% 4.52% 4.11% 3.85% 4.43% 4.01% 3.78% 3.53% 3.27% 0.50% Q4FY22 7.55% Q3FY23 Yield on Advances Q4FY23 Q4FY22 Q3FY23 Q4FY23 FY22 FY23 International Domestic Global International 9.03% 8.45% Global 8.47% 7.78% 6.81% 5.84% 4.68% 2.62% Q4FY22 © 2023 Bank of Baroda. All Rights Reserved 2.17% 1.88% 1.94% 1.74% 1.47% Q4FY22 Q3FY23 Q4FY23 FY22 FY23 3.53% 3.37% 3.31% 3.08% 3.03% Q4FY22 Q3FY23 Q4FY23 FY22 FY23 Q3FY23 Q4FY23 Page | 5#6Operating Performance बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA Particulars (INR crore) Q4 FY22 Q3 FY23 Q4 FY23 YoY (%) FY22 FY23 YoY (%) Interest on advances 12,835 17,106 19,095 48.8 49,279 64,073 30.0 Interest on investments 4,767 5,717 6,057 27.1 17,617 22,156 25.8 Other Interest income 572 717 705 23.3 2,985 3,359 12.5 Total Interest Income 18,174 23,540 25,857 42.3 69,881 89,589 28.2 Interest on Deposits 8,430 11,054 12,443 47.6 33,290 41,697 25.3 Interest on borrowings 561 1,138 1,341 -- 1,727 4,395 Other Interest paid 571 529 548 -4.0 2,242 2,141 -4.5 Total Interest Expenses 9,562 12,722 14,332 49.9 37,259 48,233 29.5 Net Interest Income (NII) 8,612 10,818 11,525 33.8 32,622 41,355 26.8 Fee based Income 1,638 1,539 1,714 4.6 5,486 5,997 9.3 Treasury Income -473 1,142 297 2,697 465 -82.8 Other Non-Interest Income 1,357 871 1,455 7.2 3,301 3,564 8.0 Non-Interest Income 2,522 3,552 3,466 37.4 11,484 10,026 -12.7 Operating Income 11,134 14,370 14,991 34.6 44,106 51,381 16.5 Operating Expenses 5,499 6,138 6,918 25.8 21,716 24,518 12.9 Operating Profit* 5,635 8,232 Cost to Income Ratio (%) 49.39 42.71 8,073 46.15 43.3 22,389 26,864 20.0 (324 bps) 49.24 47.72 (152 bps) *Sequential decline in Operating Profit is on account of impact of reclassification of provision on SR in Q3FY23; Similarly, excluding impact of this reclassification, Cost to Income ratio for Q3FY23 is 47.10%. © 2023 Bank of Baroda. All Rights Reserved Page 6#7Non-Interest Income बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मैना DENA Particulars Q4 FY22 Q3 FY23 Q4 FY23 YoY (%) FY22 FY23 YoY (%) (INR crore) Commission, Exchange, 786 728 898 14.2 2,771 2,970 7.2 Brokerage Incidental Charges 387 357 373 -3.6 1,202 1,329 10.6 Forex Income 62 69 58 -6.5 230 258 12.2 Other Miscellaneous Income 403 385 385 -4.5 1,283 1,440 12.2 Fee based Income 1,638 1,539 1,714 4.6 5,486 5,997 9.3 Trading Gains - Profit from Sale of 136 213 280 2,729 1,063 -61.0 Investments Revaluation of Investment -819 750 -158 -955 -989 3.6 Profit on Exchange Transactions 210 179 175 -16.7 923 391 -57.6 Treasury Income -473 1,142 297 2,697 465 -82.8 Dividend Income 6 60 8 33.3 189 287 51.9 Recovery from TWO 916 811 1,447 58.0 2,510 3,277 30.6 Other Income 435 0 0 602 0 Other Non-Interest Income 1,357 871 1,455 7.2 3,301 3,564 8.0 Total Non-Interest Income 2,522 3,552 3,466 37.4 11,484 10,026 -12.7 © 2023 Bank of Baroda. All Rights Reserved Page | 7#8Operating Expenses Particulars (INR crore) Q4 FY22 Q3 FY23 Q4 FY23 YoY (%) FY22 FY23 बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA सेना DENA YoY (%) Employee Cost 2,702 3,347 3,779 39.9 11,979 13,353 11.5 of which: Salaries 2,332 2,520 3,014 29.2 9,216 10,237 11.1 Provisions for employees 370 827 765 -- 2,762 3,116 12.8 Other Operating Expenses 2,797 2,791 3,139 12.2 9,737 11,165 14.7 of which : 431 382 463 7.4 1,473 1,568 6.4 Rent, Taxes and Lighting Printing and Stationery 40 47 47 17.5 122 164 34.4 Depreciation 413 487 514 24.5 1,390 1,955 40.6 Law charges 53 52 70 32.1 191 215 12.6 Repairs and Maintenance 256 253 262 2.3 993 1,025 3.2 Insurance 428 367 442 3.3 1,379 1,517 10.0 NFS charges/Fees 119 125 117 -1.7 449 482 7.3 Other Expenditure 1,057 1,079 1,224 15.8 3,740 4,239 13.3 Operating Expenses 5,499 6,138 6,918 25.8 21,716 24,518 12.9 © 2023 Bank of Baroda. All Rights Reserved Page | 8#9Profit Position Particulars (INR crore) Operating Profit बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA Q4 FY22 Q3 FY23 Q4 FY23 YoY (%) FY22 FY23 YoY (%) 5,635 8,232 8,073 43.3 22,389 26,864 20.0 3,736 2,404 1,421 -62.0 13,002 7,137 -45.1 Total Provisions of which: 5,200 817 320 -93.8 14,640 4,351 -70.3 Provision for NPA & Bad Debts Written-off Provision for Standard Advances -1,744 124 419 -2,672 528 Provision for Non Performing Investment 117 1,409 219 87.2 559 1,703 Other Provisions 163 54 463 475 555 16.8 Profit before Tax Tax Provisions Net Profit © 2023 Bank of Baroda. All Rights Reserved 1,899 5,828 6,652 120 1,976 1,877 ļ 9,387 19,727 2,114 5,617 1,779 3,853 4,775 168.4 7,272 14,110 94.0 Page 9#10usine Business Performance © 2023 Bank of Baroda. All Rights Reserved B बैंक ऑफ़ बड़ौदा Bank of Baroda Faratat VIJAYA मेना DENA Page 10#11Deposits B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA सेना DENA Particulars (INR crore) Mar'22 Mar'23 YoY (%) Dec'22 Mar'23 QoQ (%) % share in Domestic Deposits in Mar' 23 Domestic CASA Deposits 4,10,123 4,42,511 7.9 4,17,812 4,42,511 5.9 Domestic Saving Deposits 3,41,343 3,67,400 7.6 3,52,620 3,67,400 4.2 Savings Deposits 35% Domestic Current Deposits 68,780 75,111 9.2 65,192 75,111 15.2 Term Deposits 58% Domestic Term Deposits 5,16,888 6,04,864 17.0 5,85,925 6,04,864 3.2 Current Deposits 7% Retail Term Deposits 4,05,187 4,15,211 2.5 4,09,593 4,15,211 1.4 % share in Domestic Deposits in Mar' 22 Bulk Deposits 1,11,701 1,89,653 69.8 1,76,332 1,89,653 7.6 (including CD) Domestic Deposits 9,27,011 10,47,375 13.0 10,03,737 10,47,375 4.3 Savings Deposits 37% International Deposits 1,18,928 1,56,313 31.4 1,45,770 1,56,313 7.2 Total Deposits 10,45,939 12,03,688 15.1 11,49,507 12,03,688 4.7 Term Deposits 56% Domestic CASA (%) 44.24% 42.25% (199 bps) 41.63% 42.25% 62 bps Current Deposits 7% © 2023 Bank of Baroda. All Rights Reserved Page 11#12Advances B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA Particulars (INR crore) Mar'22 Mar'23 YoY (%) Dec'22 Mar'23 QoQ (%) % share in Gross Domestic Credit in Mar'23 Agriculture Retail* 1,40,399 1,78,037 26.8 1,66,861 1,78,037 6.7 15.6% Home Loans* 82,009 98,014 19.5 91,989 98,014 6.5 Auto Loans* 25,130 31,261 24.4 29,821 31,261 4.8 Mortgages Loans* 14,242 16,801 18.0 16,196 16,801 3.7 Corporate 42.8% Retail^ Education Loans 6,731 8,196 21.8 7,942 8,196 3.2 27.1% Personal Loans 9,748 19,645 101.5 17,230 19,645 14.0 Gold Loans 1,371 2,420 76.5 2,069 2,420 17.0 MSME 14.4% Others 1,168 1,700 45.5 1,614 1,700 5.3 Agriculture 1,09,796 1,24,247 13.2 1,19,197 1,24,247 4.2 % share in Gross Domestic Credit in Mar'22 Gold Loans 27,946 35,831 28.2 33,065 35,831 8.4 Agriculture 16.0% MSME* 96,863 1,08,196 11.7 1,03,003 1,08,196 5.0 Corporate 3,00,693 3,40,408 13.2 3,29,212 3,40,408 3.4 Others 36,402 44,672 22.7 41,976 44,672 6.4 Corporate 44.0% Gross Domestic Advances 6,84,153 7,95,560 16.3 7,60,249 7,95,560 4.6 Retail^ 25.4% International Gross Advances 1,33,968 1,73,988 29.9 1,63,629 1,73,988 6.3 Global Gross Advances 8,18,120 9,69,548 18.5 9,23,878 9,69,548 4.9 *ex-pool purchase. Retail including pool stands at INR 1,87,688 crore. MSME including pool at INR 1,14,918 crore as on Mar 31, 2023 MSME 14.6% ^ Retail including Pool, Staff, LABOD & Others © 2023 Bank of Baroda. All Rights Reserved Page 12#13Industry-wise Outstanding B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA Mar'22 Particulars (INR crore) Outstanding Share (%) Mar'23 Outstanding Share (%) Rating Profile Infrastructure of which 1,03,549 15.1 1,05,934 13.3 1. Power 50,260 7.3 49,560 6.2 2. Telecom 10,871 1.6 9,226 1.2 3. Roads & Ports 26,482 3.9 34,656 4.4 4. Other Infrastructure 15,937 2.3 12,493 1.6 Basic Metals & Metal Industry 9,801 1.4 13,675 1.7 78% of which 86% Iron & Steel 7,920 1.2 11,480 1.4 Textiles 17,161 2.5 16,025 2.0 Petroleum 10,947 1.6 12,564 1.6 All Engineering 6,706 1.0 7,399 0.9 Food Processing 15,151 2.2 15,605 2.0 10% 7% Chemicals and Chemical Products 11,541 1.7 12,607 1.6 6% 3% 5% 4% NBFC 83,978 12.3 1,09,096 13.7 Mar'22 Mar'23 Other Industries / Sectors 1,65,270 24.2 1,90,722 24.0 Retail Loans 1,50,253 22.0 1,87,688 23.6 A& Above BBB Below BBB Unrated Agriculture 1,09,796 16.0 1,24,247 15.6 *External Rating Distribution of Domestic Advances above INR 50 Crore Gross Domestic Advances 6,84,153 100.0 7,95,560 100.0 © 2023 Bank of Baroda. All Rights Reserved Page | 13#14Segment wise breakup & Ratings of NBFC Standard Outstanding NBFC Portfolio by Ownership बैंक ऑफ़ बड़ौदा Bank of Baroda Rating Profile of NBFCs Standard Outstanding* विजया VIJAYA à-II DENA 11% 12% ■Pvt others Particulars Dec'22 Mar'23 Outstanding (INR crore) % Share Outstanding (INR crore) % Share AAA 92,139 72.14 94,640 70.38 46% 45% ■Backed by Large AA 25,667 20.09 29,511 21.95 Private Institutions ■Backed by PSUs A 7,984 6.25 8,430 6.27 13% 15% ■Central & State PSUs BBB 30% 28% Dec'22 Mar'23 © 2023 Bank of Baroda. All Rights Reserved 746 0.58 791 0.59 BB & below 1,194 0.94 1,098 0.82 Total 1,27,731 100.00 1,34,469 100.00 *Includes advances and investments in Domestic & International Branches Page | 14#15Treasury Operations Particulars (INR crore) • Mar '22 Dec '22 Mar '23 B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA Domestic investment book comprises of 69.53% in HTM; 30.37% in AFS and 0.10% in HFT. • Domestic Investments 3,04,062 3,39,674 3,52,875 The percentage of Investments in SLR Securities to NDTL at Mar 31, 2023 was at 27.54%. of which SLR Modified Duration 2,51,490 2,82,639 2,93,666 Particulars AFS Non SLR 52,572 57,035 59,209 HTM Total Investment Held To Maturity (HTM) 1,99,275 2,29,483 2,45,346 Mar '22 Dec '22 Mar '23 1.77 1.79 1.60 4.96 4.95 5.03 3.94 3.99 4.01 Available For Sale (AFS) 1,04,595 1,09,873 1,07,173 Particulars Domestic Held For trading (HFT) 192 318 356 International International 16,753 15,696 15,537 Global Investments Global Investments 3,20,815 3,55,370 3,68,412 © 2023 Bank of Baroda. All Rights Reserved Yield on Investment Mar '22 Dec '22 Mar '23 6.43% 6.75% 6.96% 2.50% 2.83% 3.22% 6.31% 6.55% 6.61% Page | 15#16Financial Inclusion Total Financial Inclusion Accounts (in Lakh) 647 Balance /Avg Balance in Fl accounts 27,864 674 668 29,927 33,206 5.8% 4,308 4,482 4,927 Mar'22 Mar'22 Dec'22 Mar'23 Mar'22 Dec'22 Mar'23 ■Balance in Financial Inclusion Accounts (in INR Crore) Average Balance (in INR) No of Transactions Through Business Correspondents (in lakhs) 654 Transactions - By Amount (in INR crore) 32,919 29,129 23,800 552 Q4FY22 Q3FY23 Q4FY23 Q4FY22 Q3FY23 B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA Zero Balance Accounts (%) 5.4% Dec'22 5.2% Mar'23 Market Share* of BOB in PM JDY Accounts (%) 15.60% 15.31% 15.30% 711 Mar'22 Q4FY23 In Q4FY23, Bank's 85 FLC centres across the country conducted 3,437 meetings/camps to educate 1,25,702 people. Further, our 64 RSETIS have trained 11,697 youth through 438 training programmes. © 2023 Bank of Baroda. All Rights Reserved Dec'22 Mar'23 Market Share* of BOB in PMJDY Deposits (%) 17.42% 17.28% 17.50% Mar'22 Dec'22 Mar'23 amongst PSBS Page | 16#17Asset Quality © 2023 Bank of Baroda. All Rights Reserved B बैंक ऑफ़ बड़ौदा Bank of Baroda Faratat VIJAYA मेना DENA Page 17#18Movement of NPAs B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA Particulars (INR crore) A. Opening Balance B. Additions Out of which, Fresh Slippages C. Reductions Recovery Upgradation Q4 FY22 Q3 FY23 Q4 FY23 FY22 FY23 55,997 46,374 41,858 66,671 54,059 5,780 2,881 2,744 14,255 11,150 4,514 2,172 2,242 11,046 8,141 7,717 7,397 7,838 26,867 28,446 2,136 1,710 1,795 6,054 6,295 1,112 925 1,007 2,394 3,805 Cash Recovery + Upgradation 3,248 2,635 2,802 8,448 10,100 Write-Offs 4,425 4,725 4,935 17,967 17,998 Other Adju/ Exchange difference 45 37 101 452 348 Closing Balance (Gross NPA) 54,059 41,858 36,764 54,059 36,764 Net NPA 13,365 8,854 8,384 13,365 8,384 Recovery in TWO* 916 811 1,447 2,510 3,277 Total Recovery (NPA + TWO) 4,164 3,446 4,249 10,958 13,377 Slippage Ratio (%) Credit cost (%) 2.52 1.05 1.02 1.61 1.07 2.69 0.37 0.14 1.95 0.53 Gross NPA Ratio (%) 6.61 4.53 3.79 6.61 3.79 Net NPA Ratio (%) 1.72 0.99 0.89 1.72 0.89 Provision Coverage Ratio (Including TWO) (%) 88.71 92.34 92.43 88.71 92.43 Provision Coverage Ratio (Excluding TWO) (%) 75.28 78.85 77.19 75.28 77.19 * Technical Write off accounts © 2023 Bank of Baroda. All Rights Reserved Page | 18#19Sectoral & Industry wise Contribution of NPAs B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA Sector-wise NPA Industry-wise NPA Particulars (INR crore) Q4 FY22 Q3 FY23 Q4 FY23 Particulars (INR crore) Q4 FY22 Q3 FY23 Q4 FY23 Infrastructure of which 3,576 1,571 837 Corporate 14,533 7,514 3,636 1. Power 2,036 429 242 MSME 12,882 10,698 10,849 2. Telecom 2 3 2 3. Roads & Ports 1,281 991 518 Retail 3,686 3,938 3,296 4. Other Infrastructure 258 149 76 Basic Metals & Metal Industry 1,428 636 455 Agriculture 9,321 8,943 8,656 of which Others 849 225 141 Iron & Steel 1,179 496 336 Textiles 2,306 1,666 1,316 Total Domestic 41,271 31,318 26,579 Petroleum & Petrochemicals 96 96 0 International 12,788 10,540 10,185 All Engineering 1,352 895 524 Food Processing 1,584 1,413 1,358 Global 54,059 41,858 36,764 Chemicals and Chemical 486 373 231 Products © 2023 Bank of Baroda. All Rights Reserved Page | 19#20Asset Quality Sectoral Fresh Slippages B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA Fresh Slippages CRILC o/s SMA1 and SMA 2 (%) Particulars (INR crore) Q4 FY22 Q3 FY23 Q4 FY23 FY22 FY23 Corporate 2,055 13 45 3,601 1,123 MSME 1,271 836 1,220 3,294 2,799 Retail 466 551 424 1,387 1,231 0.44 0.40 Agriculture 636 723 540 2,344 2,100 0.32 Others 10 10 9 30 24 Mar-22 Dec-22 Mar-23 Total Domestic 4,438 2,133 2,238 10,656 7,277 International 76 39 4 390 864 SMA1 and SMA2 as a per cent of Standard advances (Accounts with outstanding above INR 5 crore CRILC data.) Global 4,514 2,172 2,242 11,046 8,141 The GNPA ratio for Housing loans (ex-pool) is 1.56%, Auto loans is 1.46%; Personal loans is 0.89%; Retail Gold loan is 1.35% as of March 2023 Collection efficiency (excluding Agriculture) stands at 98% as of March 2023. © 2023 Bank of Baroda. All Rights Reserved Page | 20#21Exposure to NCLT Accounts 35,843 B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA 49,353 99.29% 99.30% 99.20% 99.21% 98.50% 5,054 5,982 2,474 RBI 1 List RBI 2 List Accounts filed by BOB at NCLT Accounts filed by others at NCLT Total RBI 1 List RBI 2 List Accounts filed Accounts filed Total by BOB at NCLT by others at NCLT Exposure in INR Crore ■Provision Coverage (%) Provision Coverage Ratio under NCLT accounts is 99.21%. © 2023 Bank of Baroda. All Rights Reserved Page 21#22Capital Adequacy © 2023 Bank of Baroda. All Rights Reserved B बैंक ऑफ़ बड़ौदा Bank of Baroda Faratat मेना VIJAYA DENA Page | 22#23Capital Adequacy 15.68% 16.24% 16.73% 15.46% 15.25% 14.93% Tier II 2.21% 2.25% 2.50% 2.49% 2.44% ■ AT-1 2.31% 1.69% 1.75% 1.76% 1.73% 1.86% 1.79% ■CET-1 12.24% 12.83% 11.42% 11.24% 10.95% 10.83% Mar'22 Particulars (INR crore) Jun'22 Sep'22 Dec'22 Mar'23 Consol Mar'23 Mar'22 Dec '22 Mar '23 Mar 23 (Consolidated) Common Equity Tier I Capital (CET 1) 71,861 73,885 85,362 92,681 Tier I Capital 82,948 86,105 97,583 1,04,902 Tier II Capital 15,764 15,774 15,691 15,957 Total Capital 98,712 1,01,879 1,13,274 1,20,859 Healthy LCR of 135.4% Bank declares a dividend of INR 5.5 per share, subject to requisite approvals © 2023 Bank of Baroda. All Rights Reserved बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA Page | 23#24bob World © 2023 Bank of Baroda. All Rights Reserved B बैंक ऑफ़ बड़ौदा Bank of Baroda Faratat VIJAYA मेना DENA Page | 24#25bob World - Engagement leads to more Product Sales बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA Credit Report for customers 63 lakh users have availed the services Ability of send push notifications 154 types of push notification in 28 separate categories © 2023 Bank of Baroda. All Rights Reserved bob World Accounts Save Invest Borrow Shop Savings account Primary 2540 23 2641 5590 * X,XX,XXX Available balance Current 8874! <X, Availab View all accounts What's trending 199 63 D Compare Credit Refer & & shop score Wearable device He boo My bob world RE CL Prechonk Mobile Dinital D Transfor Bill payments Transaction history 合 <! Home UPI Cards More Customised Offers to customers Analytics-based Models being developed for customised offers to customers E-commerce - Offer basis buying behavior of customers ~67 lakh users have registered for merchant services and ~23 lakh unique users have been proactively shopping through compare and shop services Page | 25#26bob World Statistics App Downloads Activated Users Daily Active Users 53 Million 30 Million Highest penetration of 41% in the Non-Fl customer base %IMPS txns through bob World 88% %Billpay txns through bob World 81% 4.1 Million Market Share* 12% B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA सेना DENA Daily Txns 8.6 Million %FDs/RDs opened through bob World 35% Digital Passbook accessed through bob World 88% UPI handle generated through bob World 94% Average Engagement Ratio 7 PPF Account Opening through bob World 37% © 2023 Bank of Baroda. All Rights Reserved *Of total Mobile Banking app downloaded by users in Q4FY23 Page | 26#27Digital Milestones B बैंक ऑफ़ बड़ौदा Bank of Baroda Faratat मेना VIJAYA DENA © 2023 Bank of Baroda. All Rights Reserved Page | 27#28Digital Milestones...1/2 1st Rank in e-stamping usage Mar'23 Source: NeSL Mar'23 2nd Rank in Mobile Banking Downloads 1st Rank in e-sign Infra usage Mar'23 Q4 FY23 93% Transactions done digitally Q4 FY23 © 2023 Bank of Baroda. All Rights Reserved 3rd Rank in UPI remittance Source: NeSL Mar'23 Source: NPCI 79% New SA acquisition (Digitally) Q4 FY23 Mar'23 B 2nd बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA A-II DENA Rank in Debit Card Issuance 99.24% UPI Remittance Success Rate Source: RBI Source: NPCI 92% New CA acquisition (Digitally) Q4 FY23 Page | 28#29Digital Milestones....2/2 88% Passbook updates done digitally as of 31.03.2023 67% Digital FDs Q4 FY23 97% New SHG Acquisition (Digitally) as of 31.03.2023 B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA 31% No of merchants using POS, UPI QR, IPG as of 31.03.2023 49% Credit Card sourced digitally as of 31.03.2023 37% Digitally active customers as of 31.03.2023 48% MSME Loans Renewed Digitally as of 31.03.2023 46% Digital MSME Loans Sanctioned as of 31.03.2023 86% Personal Loan (Digitally) as of 31.03.2023 © 2023 Bank of Baroda. All Rights Reserved 69% Housing Loan (Digitally) as of 31.03.2023 66% Auto Loan (Digitally) as of 31.03.2023 65% Digital Retail Loans Sanctioned as of 31.03.2023 Page | 29#30Key Digital Initiatives B बैंक ऑफ़ बड़ौदा Bank of Baroda चिजमा VIJAYA मेना DENA Launch of International UPI remittance in Mauritius, Nepal, Bhutan, UAE and Singapore Launch of Digital On- boarding Solution (POS) for merchants Launch of UPI on Credit cards* Live on RBI's CBDC Platform (Retail and Wholesale) Launch of LRS outward on bob World App Automation of inward remittances Highest penetration (41%) among the non Fl customer base in bob World Launch of KCC STP and MUDRA STP Loan journey ----- Launch of Pre- approved Home Loan Top-up journey Launch of Pensioner Loan journey Launch of Assisted Personal Loan journey Launch of eBG facility with NESL. © 2023 Bank of Baroda. All Rights Reserved *in CUG Page 30#31Environmental, Social and Governance (ESG) © 2023 Bank of Baroda. All Rights Reserved B बैंक ऑफ़ बड़ौदा Bank of Baroda Faratat VIJAYA मेना DENA Page 31#32ESG Initiatives.....1/2 Environment -175- branches (approx.) in rural/semi urban areas are being run on Solar Energy, thereby reducing the consumption of power and carbon dioxide emissions. Approx. 2,400 Tons of Carbon Dioxide Emission reduced as a result of using Green/Renewable/Solar Energy. All boundary lights in the Corporate Office Building, Mumbai are powered through Solar Energy, with the help of a Solar Tree, thereby adopting renewable energy sources All domestic branches have LED lights installed in the premises for energy conservation. Bank has Green Building Certificate GOLD rating for Baroda Corporate Centre and SILVER rating for Baroda Sun Tower Building through IGBC (Indian Green Building Council). -4- of Bank's other buildings in India have green building rating. The Bank has digitized approval process through the paperless office initiative, thereby reducing usage of paper and conserving the environment. ➤ Water & Waste Management: • . Bank has set up rain water harvesting system in the Corporate Office Building. Bio-Gas plant (capacity of 500Kg wet waste) is installed at Bank's building at BKC, Mumbai which produces cooking gas that is used in Bank's canteen and organic manure is used in garden/lawns. Waterless Urinal Installed in Corporate Office Building saving approx. 7 lakh Liters of water a year. Recycled water is being used in washrooms of Corporate Office Building © 2023 Bank of Baroda. All Rights Reserved Social B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA SEWA Solar Pumps: Bank finances Solar powered pump sets to individual salt farmers in area of Little Rann of Kutch. Bank organized its unique annual customer outreach programme "Baroda Kisan Pakhwada" from 15.11.2022 to 30.11.2022. During the fortnight long programme, a total of -20,152- outreach programmes like Farmer Meetings/ Choupals/ Kisan Melas/ Health Camps (Soil / Animal / Farmer) etc. were conducted. Approx. 3.87 lakh farmers were connected during the Pakhwada. Bank entered into memorandum of agreement with National Scheduled Castes Finance & Development Corporation (NSFDC) with an objective to provide financial assistance for economic empowerment of persons belonging to scheduled castes, living below Double the Poverty Line (DPL) across the country. Bank has been committed to providing financial assistance to Self-Help Groups (SHGs) through our schemes. We offer dedicated scheme for financing Self-Help Groups (SHGs) sponsored by the Deendayal Antyodaya Yojana. Bank's RSETIs have been graded as "AA" (outstanding) by MORD, GOI based on the overall performance of the RSETIs. Bank's 64 RSETIs have trained 11,697 youth through 438 training programs in Q4 FY23. The Bank has a 'Plant a Tree Programme' wherein the Bank plants a fruit bearing tree on behalf of its customers for every Auto Loan or Home Loan disbursed. Bank has planted more than 1.5 lakh trees since its launch on on the occasion of the Bank's 115th Foundation Day. Page | 32#33ESG Initiatives.....2/2 Governance Bank has a 'Code of Ethics' which is a landmark initiative for a Public Sector Bank. It follows a stakeholder centric approach and reaffirms the Bank's commitment to each of our stakeholders. It also underlines the Bank's responsibility to protect the environment and play a part in transition towards a low carbon and resource efficient economy. ➤ As a step towards enhanced disclosures pertaining to ‘Environment, Social & Governance (ESG)' parameters, the Bank will file its maiden 'Business Responsibility and Sustainability Report (BRSR)' for FY23 as per SEBI guidelines. In order to embed the sustainability culture across the organisation, the Bank has constituted an independent CSR & Sustainability Committee of the Board to oversee implementation of CSR initiatives, sustainable strategies, policies and practices. The Bank also has a comprehensive 'Business Responsibility & Sustainable Development Manual (BRSD)' available on the website which emphasises on the Bank's commitment towards various ESG initiatives. Bank considers its employees as the most valuable assets and has been continuously undertaking multiple initiatives for ensuring better employee engagement. This has resulted in fetching recognition as "Great Place to Work' for the Bank consecutively for second time in a row by 'Great Employers Pvt. Ltd.', known as 'Great Place to Work Institute' world-wide, which is a gold standard recognition for recognizing work place culture in organizations around the globe. ➤ The Bank strives to enhance Employee Engagement through various Pro-Employee Initiatives which are crafted based on the inputs received during 'Voice of Barodians' Employee Engagement Surveys. The fourth edition of the survey 'Voice of Barodians 2023' was launched which recorded the highest ever employee participation rate of 96.91%. Bank recorded the highest ever Employee Engagement Score of 75%. © 2023 Bank of Baroda. All Rights Reserved B बैंक ऑफ़ बड़ौदा Bank of Baroda Great Place To WorkⓇ Certified MAR 2023 - MAR 2024 INDIA VOICE OF TM विजया VIJAYA BARODIANS SURVEY मेना DENA Page 33#34Green Initiatives - 'Swachhata Pakhwada' B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA As a responsible Corporate Citizen, the Bank is committed to sustainable development, to reduce the impact of climate change as well as make a positive impact towards a cleaner India. Bank celebrated 'Swachhata Pakhwada - A Fortnight for Clean India' from 16th to 31st January 2023. Various activities were conducted as a part of its commitment towards sustainable living while safeguarding the environment and making an impact towards a Clean and Green India. Some of the activities undertaken are as mentioned below: Parks/Public Transport ✓ Cleanliness drives in public places, such as station/Railway stations/beaches, etc with the active participation of its staff members and general Public. ✓ Awareness Walkathon/rally to discourage the use of single use plastic and for spreading the message of importance of maintaining Hygiene & Sanitation. ✓ Health checkup camps for street vendors/ rickshaw drivers/ street cleaners/traffic police/unorganized labourers & downtrodden etc. at more than 60 centers Online quiz and webinar for employees ✓ Painting, essays, quiz competition in more than 130 schools, street plays conducted as a part of the awareness campaign ✓ Distribution of sanitary items, soap, sanitizer, cloth bags etc. across more than 140 centers ✓ More than 2,000 tree plantations at more than 160 places for a Greener India as a part of this campaign. Creation of -2- drinking water facilities in Sanjay Gandhi National Park, Mumbai EACH ONE OF US CAN MAKE A POSITIVE IMPACT TOWARDS CLEANER INDIA. Beach Cleanliness Drives Health Check Up Camps Awareness Camps at School Baroda SUNRUN 2.0 for Fitter and Cleaner India FOCUS ON HYGIENE & SANITATION AND AVOID SINGLE USE PLASTICS Celebrating Swachhata Pakhwada (A Fortnight For Clean India) 16th-31st January, 2023 © 2023 Bank of Baroda. All Rights Reserved Page 34#35Social Initiatives Bank engages with various NGO's to provide financial assistance for social welfare, some of the instances are furnished hereunder: ➤ For deserving poor students for their under-graduation studies through Vishwa Prakash Mission ➤ Purchase of two distribution vehicles for providing mid-day meal to underprivileged and deprived children in government schools to Akshay Patra Foundation M/s. Aroh- "giving hope", NGO for their medical support project for curing Childhood Cancer. Purchase of vehicle for highway patrolling and combing operations in forest through Sathyamangalam Tiger Conservation Foundation Tamil Nadu Trust. ➤ For procurement of Indian National Flags under 'Har Ghar Tiranga' campaign for its distribution to needy and underprivileged peoples in the vicinity of rural branches. ➤ For purchase and installation of 36 CCTV Cameras at 11 sensitive locations in Gautam Buddh Nagar District, Uttar Pradesh to Greater Noida Industrial Development Authority for the public safety and security bob atte सांस्कृतिक संध्या जुलाई 2022 Aroh Giving Hope For Childhood Cancer SUPPORT US! Arch more than 5000 with Cancer par India. Lets make sure children have access to affordable a quality treatment +91 9003888881 +91 9952634484 © 2023 Bank of Baroda. All Rights Reserved B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA Unlimited for Edice A ఆహారంతో అపార విద్య Unlimited Food for Education AKSHAYA astapapira urg పాత్ర l Gommes of Andhra Pradesh Easingt 1801-425-862 realme Shot by su 2022/11/03 10:17 FM39/68582 Page | 35#36Consolidated Financials © 2023 Bank of Baroda. All Rights Reserved B बैंक ऑफ़ बड़ौदा Bank of Baroda Faratat VIJAYA मेना DENA Page 36#37Subsidiaries and JVs Performance IndiaFirst LIFE INSURANCE IndiaFirst Life Insurance Co. Ltd. (Subsidiary Holding - 65%) IndiaFirst Life recorded YoY growth of 27% in Individual New Business APE and 23% YoY Growth on Total New Business APE for FY23 □ AUM as of March 31, 2023 stands at INR 21,683 crore with 15% YoY growth. IndiaFirst Life improved its FY23 ranking by 1 position to 10th on Individual New Business APE as compared to FY22 (among private peers) Market share amongst Private Insurers stands at 2.5% for FY23 (Individual NB APE terms). Gross premium income stands at INR 6,075 crore for FY23, a growth of 17% YoY. ☐ Net profit for FY23 stands at INR 76.2 crore. BOB Financial - Credit reimagined - A wholly owned subsidiary of Bank of Baroda BOB Financial Solutions Limited (Subsidiary Holding -100%) Number of Cards (Card base) as of March 31,2023 stood at approx. 19.47 lakhs Approx. 2.68 lakh new Credit Cards were issued in Q4FY23 Spends in Q4FY23 grew by 132% compared to Q4FY22. Net Profit for FY23 stands at INR 24.6 crore. Credit rating of A1+. □ CRAR as of March 31 2023 is at 27.20%. Baroda बैंक ऑफ़ बड़ौदा Bank of Baroda BNP PARIBAS MUTUAL FUND विजया VIJAYA Baroda BNP Paribas Asset Management India Pvt. Ltd. (Subsidiary Holding - 50.1%) सेना DENA ☐ Following the JV, our product range, AUM as well as share of equity AUM has increased substantially with touch points over 140 cities across India. ☐ Overall AAUM for Q4FY23 stands at INR 26,436 crore. This includes the offshore advisory AAUM of INR 1,929 crore a growth of 3% QoQ. □ QoQ Equity and MM Average AUM grew by 2% and 5% respectively. Share of Equity AAUM to total AAUM increased to 56% in Q4FY23 from 53% in Q1FY23. ☐ Gross Revenue for Q4FY23 is INR 31.55 crore increasing by 11% on a QoQ basis. ☐ Net Profit for Q4FY23 stands at INR 2.67 crore including one time amalgamation cost and goodwill amortization. Note: APE stands for Annualised Premium Equivalent, where single premium is considered at 10% © 2023 Bank of Baroda. All Rights Reserved Page | 37#38Subsidiaries and JVs Performance ¡INFRADEBT India Infradebt Limited (Joint Venture of 40.99%) India Infradebt Limited focused on disbursement in renewable energy, road and other sectors during the quarter. Total Income (NII + Other Income) during FY23 stood at INR 481 crore. ☐ Operating Profit for FY23 grew by 26.4% YoY and stands at INR 441.7 crore. Net profit in FY23 increased by 38% YoY to INR 438 crore. बड़ौदा ग्लोबल शेयर्ड सर्विसेज Baroda Global Shared Services Baroda Global Shared Services Limited (Subsidiary Holding -100%) BGSSL total income grew by 190.6% YoY in FY23. ☐ Total Revenue grew by 197.1% YoY in FY23 and stood at INR 250 crore. ☐ Net Profit for FY23 stands at INR 11.8 crore. ☐ Direct Sales Team (DST): sanctioned more than INR 9,900 crore since inception (Auto Loan, Home Loans, LAP, Education Loan). B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA BOBCAPS TRUST INNOVATION I EXCELLENCE मेना DENA BOB Capital Markets Limited (Subsidiary Holding -100%) The gross revenue for FY23 stands at INR 47.1 crore. During Q4FY23, Debt Syndication & DCM team has closed 7 transactions aggregating to INR 1,543 crore, which is an increase of over 109% of amount mobilized from the previous quarter. over Retail Equity Broking continued rapid growth in monthly client acquisitions with 10X increase in current quarter. This has lead to ~280% increase in client base by end of Q4FY23 over Q4FY22. ☐ Successfully advised COC (comprising of 33 Banks & 40 other Institutions) for the implementation of Resolution Plan of one of the largest NBFC "outside" NCLT process. Net Profit for FY23 stands at INR 1.25 crore. © 2023 Bank of Baroda. All Rights Reserved Page 38#39Overseas Subsidiaries and JVs performance B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मैना DENA Bank of Baroda (Uganda) Ltd. (Subsidiary Holding - 80%) Total Deposits of Bank of Baroda (Uganda) Ltd. stood at INR 3,945.6 crore as of FY23 registering a growth of 18.6% YoY. The net advances grew by 23.4% on a YoY basis to INR 2,458.2 crore in FY23. ☐ Net profit increased by 39.1% YoY to INR 252.3 crore during FY23 as per IGAAP/INDAS guidelines applicable in India. However, as per Uganda Financial Reporting Standards (UFRS) prevailing in the country, the subsidiary has booked a profit of INR 260.9 crore. Bank of Baroda (Kenya) Ltd. (Subsidiary Holding - 86.7%) Total Deposits of Bank of Baroda (Kenya) Ltd. stood at INR 10,951.3 crore as of FY23 registering a YoY growth of 11.6%. The net advances grew by 13.1% on a YoY basis and stood at INR 4,119.2 crore in FY23. ☐ Net profit decreased by 46.4% YoY to INR 191.4 crore during FY23 majorly due to MTM losses as per IGAAP / INDAS guidelines applicable in India. However, as per Kenya Financial Reporting Standards (KFRS) prevailing in the country, the subsidiary has booked a profit of INR 347.5 crore. Bank of Baroda (UK) Ltd. (Subsidiary Holding -100%) Total Deposits of Bank of Baroda (UK) Ltd. stands at INR 6,391.3 crore as of FY23. The net advances stands at INR 2,343.9 crore as on FY23. ☐ Net profit of the subsidiary is INR 31 crore during FY23 as per IGAAP/ INDAS guidelines applicable in India. However, as per UK Financial Reporting Standards (UKFRS) prevailing in the country, the subsidiary has booked a profit of INR 52 crore. The RONW for the FY23 stands at 1.86%. The RONW for the FY23 stands at 18.37%. The RONW for the FY23 stands at 9.90%. The GNPA ratio as of FY23 is at 1.35%. The GNPA ratio as of FY23 is at 9.37%. Note: Uganda and Kenya are December ended subsidiaries. As such, figures of 12M are of December 2022 in line with CFS. © 2023 Bank of Baroda. All Rights Reserved The GNPA ratio as of FY23 is at 0.01%. Page 39#40Balance Sheet and PL- Consolidated B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA सेना DENA Particulars (INR crore) CAPITAL & LIABILITIES Capital Particulars Mar'22 Dec '22 Mar '23 FY22 FY23 YoY (%) (INR crore) Net Interest Income 34,570 44,196 27.8 1,036 1,036 1,036 Share Application Money Pending Allotment Reserves & Surplus Non Interest Income 14,395 16,639 15.6 0 0 0 Total Income 48,965 60,836 24.2 90,833 1,01,551 1,04,019 Minority Interest 758 928 995 Operating Expenses 24,839 30,644 23.4 Deposits 10,75,804 11,79,393 Borrowings 1,09,526 Other Liabilities & Provisions 62,180 TOTAL 13,40,137 1,07,371 68,188 14,58,467 12,34,682 1,07,910 77,237 15,25,879 Operating Profit 24,126 30,191 25.1 Provisions 14,118 9,627 -31.8 ASSETS Profit before Tax 10,008 20,565 Cash and Balances with RBI 72,775 51,875 Balances with Banks 57,454 47,737 Investments 3,47,587 3,83,309 56,696 45,677 3,97,487 Tax 2,308 5,877 -- Minority Interest 83 100 20.5 Loans & Advances 7,97,281 9,12,440 9,63,652 Fixed Assets 10,188 Share of Earning in Associates 233 317 36.1 9,214 8,957 Other Assets Goodwill on Consolidation 53,941 52,981 52,499 Profit after Tax 7,850 14,905 89.9 911 911 911 TOTAL 13,40,137 14,58,467 15,25,879 EPS (INR) 15.18 28.82 89.9 © 2023 Bank of Baroda. All Rights Reserved Page | 40#41Disclaimer B बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA मेना DENA 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 (i) used or relied upon by any other party or for any other purpose; (ii) copied, photocopied, duplicated or otherwise reproduced in any form or by any means; or (iii) re-circulated, redistributed, passed on, published in any media, website or otherwise disseminated, to any other person, in any form or in part or as a whole, without the prior written consent of the Bank. Any unauthorized use, disclosure or public dissemination of information contained herein is prohibited. This presentation does not purport to be a complete description of the markets' conditions or developments referred to in the material. manner, This presentation is for private circulation only and does not constitute and should not be construed as an offer or invitation or inducement to sell or issue, or any solicitation of any offer to purchase or subscribe for, any securities of the Bank, nor shall it or any part of it or the fact of its distribution form the basis of, or be relied on in connection with, any contract or commitment therefor. This presentation is for general information purposes only, without regard to any specific objectives, financial situations or informational needs of any particular person. 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Such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and actual results may differ from those in such forward-looking statements as a result of various factors and assumptions, including future changes or developments in the Bank's business, its competitive environment, information technology and political, economic, legal, regulatory and social conditions in India, which the Bank believes to be reasonable in light of its operating experience in recent years. The Bank does not undertake to revise any forward-looking statement that may be made from time to time by or on behalf of the Bank. This presentation is not an offer to sell or a solicitation of any offer to buy the securities of the Bank in the United States or in any other jurisdiction where such offer or sale would be unlawful. Securities may not be offered, sold, resold, pledged, delivered, distributed or transferred, directly or indirectly, in to or within the United States absent registration under the United States Securities Act of 1933, as amended (the "Securities Act"), except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act and in compliance with any applicable securities laws of any state or other jurisdiction of the United States. The Banks's securities have not been and will not be registered under the Securities Act. Neither this document nor any part or copy of it may be distributed, directly or indirectly, in the United States. The distribution of this document in certain jurisdictions may be restricted by law and persons in to whose possession this presentation comes should inform themselves about and observe any such restrictions. By reviewing this presentation, you agree to be bound by the foregoing limitations. You further represent and agree that you are located outside the United States and you are permitted under the laws of your jurisdiction to receive this presentation. The financial figures and ratios, are based on the audited financials or limited review financials or based on management estimates. © 2023 Bank of Baroda. All Rights Reserved Page 41#42Thank You Try bob World Scan QR code to download 0 © 2023 Bank of Baroda. All Rights Reserved AT&T 01 ((p)) 4 金 No Pho QR Code Camera Use the built-in Camera to scan any QR Code. When a code is detected, tap the notification or drag down on the notification to view more options. Screen Mirroring <tv SLO-MO VIDEO PHOTO PORTRAIT SQUAR B बैंक ऑफ़ बड़ौदा Bank of Baroda Faratat VIJAYA मेना DENA bob World बैंक ऑफ़ बड़ौदा Bank of Baroda v3.0 © Bank of Baroda. All rights reserved. Page | 42