Operating Performance Q3 FY23

Movement of NPAs बैंक ऑफ़ बड़ौदा Bank of Baroda विजया VIJAYA सेना DENA Particulars (INR crore) A. Opening Balance B. Additions Out of which, Fresh Slippages C. Reductions Recovery Q3 FY22 Q2 FY23 Q3 FY23 9M FY22 9M FY23 59,504 52,591 46,374 66,671 54,059 3,491 4,465 2,881 11,989 9,661 2,830 3,479 2,172 9,986 6,982 6,998 10,682 7,397 22,663 21,862 2,032 2,047 1,710 4,316 4,828 Upgradation 1,272 3,313 925 4,026 3,660 Cash Recovery + Upgradation 3,304 5,360 2,635 8,343 8,488 Write-Offs 3,694 5,279 4,725 13,561 13,032 Other Adju/ Exchange difference 0 43 37 760 342 Closing Balance (Gross NPA) 55,997 46,374 41,858 55,997 41,858 Net NPA 16,465 9,672 8,854 16,465 8,854 Recovery in TWO* Total Recovery (NPA + TWO) Slippage Ratio (%) 516 603 811 2,642 1,829 3,820 5,963 3,446 10,984 10,317 1.68 1.77 1.05 1.94 1.22 Credit cost (%) 2.33 0.79 0.37 1.67 0.66 Gross NPA Ratio (%) 7.25 5.31 4.53 7.25 4.53 Net NPA Ratio (%) 2.25 1.16 0.99 2.25 0.99 Provision Coverage Ratio (Including TWO) (%) 85.95 91.73 92.34 85.95 92.34 Provision Coverage Ratio (Excluding TWO) (%) 70.60 79.14 78.85 70.60 78.85 * Technical Write off accounts © 2023 Bank of Baroda. All Rights Reserved Page | 18

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