Operating Performance Q3 FY23

Major Highlights बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA सेना DENA Net Profit (INR crore) 69.9% YoY A 9,334 Business Details (INR crore) Key Performance Drivers Dec 31, 2021 Dec 31, 2022 Domestic Deposits 8,76,555 10,03,737 YoY (%) 14.5 Net Interest Margin (%) 24 bps YoY 22 bps YoY International Deposits 1,01,479 1,45,770 43.6 3.37 Global Deposits 9,78,034 11,49,507 17.5 3.23 3.13 Retail Advances * 1,28,960 1,66,861 29.4 Domestic Gross Advances 6,54,315 7,60,249 16.2 International Advances 1,17,679 1,63,629 39.0 Global Advances 7,71,994 9,23,878 19.7 Total Business 17,50,028 20,73,385 18.5 *organic growth, excluding pool purchase ilii Q3FY22 Q3FY23 9MFY22 9MFY23 3.01 2,197 75.4% YoY Δ 5,494 3,853 Financial Performance (INR crore) Return on Assets Q3FY22 Q3FY23 ΥΟΥ (%) 39 bps YoY Net Interest Income 8,552 10,818 26.5 31 bps YoY 1.13 Fee based Income 1,407 1,539 9.4 Δ 0.93 Operating Profit 5,483 8,232 50.1 0.74 Profit before Tax 2,976 5,828 95.8 0.62 Q3FY22 Q3FY23 9MFY22 9MFY23 Return on Equity 671 bps YoY 504 bps YoY 21.08 Δ 17.02 14.37 11.98 Net Profit 2,197 3,853 75.4 GNPA Ratio (%) 7.25 4.53 (272 bps) NNPA Ratio (%) 2.25 0.99 (126 bps) Capital Adequacy Ratio 15.47% 14.93% (54 bps) (Standalone) (%) Q3FY22 Q3FY23 9MFY22 9MFY23 Q3FY22 Q3FY23 9MFY22 9MFY23 © 2023 Bank of Baroda. All Rights Reserved Page | 3

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