Operating Performance Q3 FY23
Operating Performance
बैंक ऑफ़ बड़ौदा
Bank of Baroda
विजया
VIJAYA
à-II
DENA
Particulars
(INR crore)
Q3 FY22
Q2 FY23
Q3 FY23
ΥΟΥ (%)
9M FY22
9M FY23
ΥΟΥ (%)
Interest on advances
12,631
14,834
17,106
35.4
36,443
44,979
23.4
Interest on investments
4,567
5,442
5,717
25.2
12,851
16,099
25.3
Other Interest income
765
978
717
-6.3
2,413
2,654
10.0
Total Interest Income
17,963
21,254
23,540
31.0
51,707
63,732
23.3
Interest on Deposits
8,288
9,365
11,054
33.4
24,860
29,254
17.7
Interest on borrowings
552
1,176
1,138
--
1,166
3,054
Other Interest paid
571
539
529
-7.4
1,671
1,592
-4.7
Total Interest Expenses
9,411
11,080
12,722
35.2
27,697
33,901
22.4
Net Interest Income (NII)
8,552
10,174
10,818
26.5
24,010
29,831
24.2
Fee based Income
1,407
1,515
1,539
9.4
3,862
4,332
12.2
Treasury Income
596
-435
1,142
91.7
3,156
119
-96.2
Other Non-Interest Income
516
745
871
68.8
1,944
2,109
8.5
Non-Interest Income
2,519
1,826
3,552
41.0
8,962
6,560
-26.8
Operating Income
11,071
12,000
14,370
29.8
32,972
36,391
10.4
Operating Expenses
5,588
5,969
6,138
9.8
16,218
17,600
8.5
Operating Profit
5,483
6,031
8,232
50.1
16,754
18,791
12.2
Cost to Income Ratio (%)
50.47
49.74
42.71
(776 bps)
49.19
48.36
(83 bps)
Cost to Income Ratio (%) (incl. SR
shifting impact) *
50.47
49.74
47.10
(337 bps)
49.19
50.10
91 bps
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