Bank of Baroda Financial Performance FY23
Operating 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%.
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