Bank of Baroda Financial Performance FY23
Movement 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
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