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(` in lacs)

Sr. No. Particulars Quarter Ended Year Ended (Standalone) Year Ended (Consolidated)
31.03.2018 31.12.2017 31.03.2017 31.03.2018 31.03.2017 31.03.2018 31.03.2017
Audited Reviewed Audited Audited Audited Audited Audited
1 Interest earned (a)+(b)+(c)+(d) 1103926 1130324 1087516 4364854 4219993 4605642 4447344
(a) Interest /discount on advances / bills 745689 753268 678564 2906982 2752393 3010643 2848351
(b) Income on investments 278071 272071 284989 1042016 1059633 1156664 1170902
(c) Interest on balances with Reserve Bank of India and other inter bank funds 38269 42854 75359 241479 199086 262022 217114
(d) Others 41897 62131 48604 174377 208881 176313 210977
2 Other Income 169590 167304 197728 665715 675806 799221 793678
3 Total Income (1 + 2) 1273516 1297628 1285244 5030569 4895799 5404863 5241022
4 Interest Expended 703700 690921 729330 2812677 2868652 2916048 2959573
5 Operating Expenses (a)+ (b)+ (C) 303267 241696 253897 1017337 929640 1132658 1034980
(a) Employees cost 126849 111042 122224 460687 463777 490158 488866
(b) Rent Taxes & Lighting 26843 25737 25767 101108 93998 106495 98913
(c) Other operating expenses 149575 104917 105906 455542 371865 536005 447201
6 Total Expenditure (4+5) excluding provisions and contingencies 1006967 932617 983227 3830014 3798292 4048706 3994553
7 Operating Profit (3-6) before Provisions and Contingencies 266549 365011 302017 1200555 1097507 1356157 1246469
8 Provisions (other than tax) and Contingencies 667238 342651 262297 1479629 850238 1566724 944035
of which provisions for Non-performing Asset 705253 315528 242507 1421172 767978 1433539 782403
9 Exceptional Items 0 0 0 0 0 0 0
10 Profit (+) / Loss (-) from Ordinary Activities before tax (7-8-9) (400689) 22360 39720 (279074) 247269 (210567) 302434
11 Provision for Taxes (90455) 11182 24248 (35893) 108956 (19362) 124693
12 Net Profit (+) / Loss (-) from Ordinary Activities after tax (10-11) (310234) 11178 15472 (243181) 138313 (191205) 177741
Less: Minority Interest NA NA NA NA NA 5129 4000
Add: Share of earnings in Associates NA NA NA NA NA 7624 7757
13 Extraordinary items (net of tax expenses) 0 0 0 0 0 0 0
14 Net Profit (+) / Loss (-) for the period (12-13) (310234) 11178 15472 (243181) 138313 (188710) 181498
15 Paid-up equity share capital (Face Value of `2 each) 53036 46209 46209 53036 46209 53036 46209
16 Reserve excluding Revaluation Reserve - - - 3970807 3626520 4284959 3899789
17 Analytical Ratios
i) Percentage of shares held by Government of India 64.03 58.70 59.24 64.03 59.24 64.03 59.24
ii) Capital Adequacy Ratio(%) -Basel-III 12.13 11.55 12.24 12.13 12.24 12.87 12.80
a CET 1 Ratio (%) 9.23 8.28 8.98 9.23 8.98 10.08 9.64
b Additional Tier 1 Ratio (%) 1.23 1.24 0.96 1.23 0.96 1.19 0.92
iii) Earnings Per Share
Basic and diluted EPS before and after Extraordinary items net of tax expenses (not annualized) [ in `.] (13.44) 0.49 0.67 (10.53) 6.00 (8.17) 7.88
iv) NPA Ratios
(a) Gross NPA 5648039 4848044 4271870 5648039 4271870 Not Applicable Not Applicable
Net NPA 2348265 1985215 1808018 2348265 1808018
(b) % of Gross NPA 12.26 11.31 10.46 12.26 10.46
% of Net NPA 5.49 4.97 4.72 5.49 4.72
v) Return on Assets (annualized) % (1.77) 0.07 0.09 (0.34) 0.20

Notes forming part of the audited financial results for the Quarter/Year Ended March 31, 2018.

    • The above financial results have been reviewed by the Audit Committee of the Board and approved by the Board of Directors in their respective meetings held on May 25, 2018. The same have been subjected to an audit by the Statutory Central Auditors of the Bank.
    • The above results for the quarter/year ended March 31, 2018 have been prepared, following the same accounting policies as those followed in the annual financial statements for the year ended March 31, 2017, except as mentioned in note (7) below.
    • The figures for the last quarter are the balancing figures between the audited figures in respect of the full financial year and the published year to date figures upto the third quarter of the current financial year.
    • The financial results for the quarter/full year ended March 31, 2018 have been arrived at after considering provision for Non-Performing Assets, Standard Assets, Standard Derivative Exposures, Restructured Assets and depreciation / Provision for Investments on the basis of prudential norms and specific guidelines issued by the RBI. As a consistent practice, the Bank has made a provision of 20% on the Secured Sub-standard Advances as against the regulatory requirement of 15%. In addition to the above, provision is made on non-fund based facilities of NPA borrowers by applying 50% credit conversion factor (CCF). The provision is based on the asset class of the fund based facility of the borrower. Also 100% provision is made on certain class of non-performing retail advances.
    • RBI Circular DBOD.NO.BP.BC.1/21.06.201/2015-16 dated July 01, 2015 on Basel III Capital Regulations read together with RBI circular no DBR.NO.BP.BC. 80/21.06.201/2015-16 dated March 31, 2015 on Prudential Guidelines on Capital Adequacy and Liquidity Standards Amendments requires banks to make applicable Pillar 3 disclosures including leverage ratio and liquidity coverage ratio under the Basel- III framework. These details are being made available on our website "www.bankofbaroda.com". These disclosures have not been subjected to audit by the auditors.
    • In compliance with the RBI circular No.DBR.No.BP.BC.64/21.04.048/2016-17 dated April 18, 2017, the bank has made an additional provision of ` 667 Lakhs for the quarter ended March 31, 2018 and `142,34 Lakhs for the year ended March 31, 2018, in respect of standard advances to stressed sectors of the economy.
    • Due to change in the method of appropriation of recovery in NPA accounts, where recoveries are now being adjusted against charges, interest reversed, unapplied interest and lastly against principal as against the earlier method of adjusting recoveries against principal, expenses and unapplied interest, additional income of Rs.91571 lakhs (net of tax and provisions of Rs.66421 lakhs) for the quarter and Rs.149671 lakhs (net of tax and provisions of Rs.108565 lakhs) for the year ended March 31, 2018 has been recognised.
    • During the year, on March 27, 2018, the Bank has allotted 34,13,56,534 shares of ` 2/- each fully paid up at a premium of ` 155.46 per share to the Government of India, as approved by the shareholders in the Extra-Ordinary General Meeting held on March 13, 2018 in accordance with SEBI (ICDR) Regulations, 2009 on preferential basis. Total amount received by the Bank on this account is ` 5,375,00 lakhs.
    • As per RBI directions for initiating Insolvency Process - Provisioning Norms vide letter No. DBR.No.BO.15199/21.04.048/2016-17 dated June 23, 2017 in respect of 10 borrowal accounts covered under the provisions of Insolvency and Bankruptcy Code (IBC), the Bank was required to make additional provision. Similarly, as per RBI direction vide letter No. DR.No.BP.1906/21.04.049/2017-18 dated August 28, 2017 in respect of 18 borrowal accounts covered under the process of IBC, the Bank was required to make additional provision. Further, as per RBI communication No. DBR.No.BP. 8756/21.04/2017-18 dated April 2, 2018 with respect to spreading the provisions covered in Ist and IInd list under the provisions of IBC, the Bank has availed the option of dispensation available, and as a result the additional provision of Rs.309,37 lakhs has been made as on March 31, 2018 (instead of Rs.829,23 lakhs).
    • Pursuant to the Accounting Standard-10 (revised) on Property Plant & Equipment an amount of Rs.35898 lakhs related to depreciation of revalued portion of fixed assets has been transferred from the Revaluation Reserve to Revenue Reserve
    • Statement of Assets & Liabilities is as under

(` In Lakhs)

 Particulars Standalone Consolidated
As on March 31, 2018 As on March 31, 2017 As on March 31, 2018 As on March 31, 2017
Audited Audited Audited Audited
CAPITAL & LIABILITIES
Capital 53036 46209 53036 46209
Reserves and Surplus 4286441 3984116 4603587 4260548
Minority Interest - - 27252 23253
Deposits 59131482 60167517 60745137 61725687
Borrowings 6257197 3061144 6485982 3124200
Other Liabilities and Provisions 2271821 2228556 2865498 2742154
T O T A L 71999977 69487542 74780492 71922051
ASSETS
Cash and Balances with Reserve Bank of India 2269964 2278021 2403499 2391513
Balances with Banks and Money at Call and Short Notice 7019774 12768970 7338776 13019986
Investments 16318453 12963054 17513723 14071643
Advances 42743183 38325922 43794126 39226230
Fixed Assets 536739 575837 553228 592968
Other Assets 3111864 2575738 3177140 2619711
T O T A L 71999977 69487542 74780492 71922051
  • RBI vide letter RBI/2017-18/131: DBR. No.BP.BC.101/21.04.048/2017-18 dated February 12, 2018 issued a revised framework on Resolution of Stressed Assets and withdrew the existing guidelines/instructions on resolution of stresses assets such as framework for revitalizing Distressed Assets, Corporate Debt Restructuring Scheme, Flexible Structuring of Existing Long Term Project Loans, Strategic Debt Restructuring Scheme (SDR), Change in Ownership outside SDR, and Scheme for Sustainable Structuring of Stressed Assets (S4A), etc. with immediate effect. Accordingly, the Joint Lenders Forum (JLF) as an institutional mechanism for resolution of stressed accounts also stands discontinued. Under the revised framework, the stand-still benefits for accounts where any of these schemes had been invoked but not yet implemented were revoked and accordingly these accounts have been classified as per the extant RBI prudential norms on Income Recognition and Asset Classification.
  • RBI vide letter DBR No. BP 9730/21.04.018/2017-18 dated 27.04.2018 permitted banks to spread the additional liability on account of the enhancement in gratuity limits over four quarters beginning with the quarter ended March 31, 2018. The Bank has availed the relaxation permitted and has provided an amount of `9,700 lakhs being one fourth of the liability during the quarter ended March 31, 2018. The balance of `29,100 lakhs has been deferred to the subsequent three quarters.
  • In compliance with the Risk Assessment Report (RAR) of RBI for the year 2016-17:

    Reclassification of standard loans as Non-Performing and reclassification of NPAs amounting to ` 42,718,71 lakhs and additional provision on account of short provisions on existing NPAs amounting to ` 429,95 lakhs have been made. Details are as below:

    Sr. No. Particulars Amount (` In Lakhs)
    1. Gross NPAs as on March 31,2017 as reported by the bank 42,718,71
    2. Gross NPAs as on March 31,2017 as assessed by RBI 45,637,41
    3. Divergence in Gross NPAs (2-1) 2,918,70
    4. Net NPAs as on March 31,2017 as reported by the bank 18,080,18
    5. Net NPAs as on March 31,2017 as assessed by RBI 20,341,38
    6. Divergence in Net NPAs (5-4) 2,261,20
    7. Provision for NPAs as on March 31,2017 as reported by the bank 23,183,67
    8 Provision for NPAs as on March 31,2017 as assessed by RBI 23,841,17
    9 Divergence in Net NPAs (8-7) 657,50
    10. Reported Net profit after Tax (PAT) for the year ended March 31, 2017 1383,13
    11. Adjusted (notional) Net Profit after Tax (PAT) for the year ended March 31, 2017 after taking into account the divergence in provisioning 953,18

    * The net impact of the aforementioned retrospective slippages due to divergences noted by RBI has been duly rectified in the results for the year ended March 31, 2018

    Overstatement of income/other assets due to improper debt-asset swap amounting to ` 8870 lakhs has been fully provided for.

  • Provisioning Coverage Ratio is 67.21% as on March 31, 2018. (March 31, 2017: 66.83%)
  • Details of Investor's complaints for the quarter ended March 31, 2018: Pending at Beginning: 0; Received: 165; Disposed off: 165; Closing: 0.
  • As a part of strategic initiatives for rationalization of International Operations, which is also in consonance with the Government of India directives, the Bank has decided to exit from certain geographies. During the year 2017-18, the Bank has initiated closure of its operations in the Kingdom of Bahrain, Bahamas and Republic of South Africa. The closure of these territories is at an advance stage. In the opinion of the Management, adequate provisions have been made in the books and the amounts stated in the financial statements are not less than at their realizable values. The impact of closure of operations in these territories on the business of the Bank is not significant.
  • Notes on Segment Reporting
    • As per the guidelines of the RBI on compliance with Accounting Standards, the Bank has adopted “Treasury Operations”, “Wholesale”, “Retail” and “Other Banking Operations” as Primary business segments and “Domestic” and “International” as secondary/geographic segments for the purpose of compliance with AS-17 on Segment Reporting issued by the Institute of Chartered Accountants of India (ICAI).
    • Segment revenue represents revenue from external customers.
    • Capital employed for each segment has been allocated proportionate to the assets of the respective segment.
  • Notes on Consolidated Financial Statement (CFS)
    • The above financial results have been reviewed by the Audit Committee of the Board and approved by the Board of Directors in their respective meetings held on May 25, 2018. The same have been subjected to an audit by the Statutory Central Auditors of the Bank.
    • The CFS are prepared in accordance with AS-21 “Accounting for Consolidated Financial Statements” AS-23 “Accounting for Investments in Associates” and AS-27 “ Financial Reporting of Interest in Joint Venture” in the CFS.
  • The figures of the previous period have been regrouped/rearranged, wherever necessary, so as to make them comparable with those of the current period.
Papia Sengupta Ashok Kumar Garg Mayank K Mehta P S Jayakumar Ravi Venkatesan
Executive Director Executive Director Executive Director Managing Director & CEO Chairman

Place : Mumbai
Date : May 25, 2018

Segment reporting for the Quarter / Year Ended 31st March 2018

Part A-Business Segments

(` in lacs)

Sr. No. Particulars Quarter Ended Year Ended (Standalone) Year Ended (Consolidated)
31.03.2018 31.12.2017 31.03.2017 31.03.2018 31.03.2017 31.03.2018 31.03.2017
Audited Reviewed Audited Audited Audited Audited Audited
1 Segment Revenue
(a) Treasury Operations 387770 412537 472764 1677799 1757151 1767457 1834605
(b) Wholesale Banking 483976 452734 484868 1870692 1882497 1926890 1939958
(c) Retail Banking 388359 399710 308242 1436020 1196705 1507243 1266190
(d)Other Banking Operations 13411 32647 19370 46058 59446 203273 200270
Total Revenue 1273516 1297628 1285244 5030569 4895799 5404863 5241023
2 Segment Results
(a) Treasury Operations 25646 68972 121550 264156 477184 297381 526097
(b) Wholesale Banking (388100) (29596) (112794) (449085) (287970) (431281) (282312)
(c) Retail Banking 32311 23188 66253 144045 244463 159176 255566
(d)Other Banking Operations 9483 24111 13853 33594 43850 43817 52707
Total (320660) 86675 88862 (7290) 477527 69093 552058
Unallocated Expenditure 80029 64316 49141 271784 230257 277165 245867
Profit before Tax (400689) 22359 39721 (279074) 247270 (208072) 306191
Provision for Tax (90455) 11181 24248 (35893) 108956 (19362) 124693
Net Profit (310234) 11178 15473 (243181) 138314 (188710) 181498
3 Segment Assets
(a) Treasury Operations 26809912 26103465 28324071 26809912 28324071 27877959 29304722
(b) Wholesale Banking 31134207 28437821 29102091 31134207 29102091 31715604 29665570
(c) Retail Banking 13011177 12618437 10975447 13011177 10975447 13470923 11358532
(d)Other Banking Operations - - - - - 667,944 468942
(e) Unallocated 1044681 1122704 1085933 1044681 1085933 1048062 1124285
Total Assets 71999977 68282427 69487542 71999977 69487542 74780492 71922051
4 Segment Liabilities
(a) Treasury Operations 25194064 24549962 26681255 25194064 26681255 26141983 27549928
(b) Wholesale Banking 29257732 26745393 27414150 29257732 27414150 29740656 27889169
(c) Retail Banking 12226986 11867473 10338863 12226986 10338863 12632081 10678373
(d)Other Banking Operations - - - - - 626,350 440,861
(e) Unallocated 981718 1055888 1022949 981718 1022949 982799 1056963
Total Liabilities 67660500 64218716 65457217 67660500 65457217 70123869 67615294
5 Capital Employed
(a) Treasury Operations 1615848 1553503 3970807 1615848 3970807 1735976 1754793
(b) Wholesale Banking 1876475 1692428 1687941 1876475 1687941 1974948 1776401
(c) Retail Banking 784191 750964 636583 784191 636583 838842 680159
(d)Other Banking Operations - - - - - 41594 28081
(e) Unallocated 62963 66816 0 62963 0 65263 67323
Total Capital Employed 4339477 4063711 6295331 4339477 6295331 4656623 4306757

Part- B : Geographic Segments

Sr. No. Particulars Quarter Ended Year Ended (Standalone) Year Ended (Consolidated)
31.03.2018 31.12.2017 31.03.2017 31.03.2018 31.03.2017 31.03.2018 31.03.2017
Audited Reviewed Audited Audited Audited Audited Audited
1 Revenue
(a) Domestic 1147047 1171113 1153320 4534256 4378754 4779777 4597670
(b) International 126469 126515 131924 496313 517045 625086 643353
Total 1273516 1297628 1285244 5030569 4895799 5404863 5241023
2 Assets
(a) Domestic 55328716 51944946 49240063 55328716 49240063 56908076 50546114
(b) International 16671261 16337481 20247479 16671261 20247479 17872416 21375937
Total 71999977 68282427 69487542 71999977 69487542 74780492 71922051

SEBI Format

Sr. No.   Particulars Quarter Ended Nine Months Ended Year Ended (Standalone)
31.12.2017 30.09.2017 31.12.2016 31.12.2017 31.12.2016 31.03.2017
      Reviewed Reviewed Reviewed Reviewed Reviewed Audited
1   Interest earned (a)+(b)+(c)+(d) 1130324 1075333 1040608 3260928 3132477 4219993
  (a) Interest /discount on advances / bills 753268 714575 673647 2161293 2073829 2752393
  (b) Income on investments 272071 249178 271859 763945 774644 1059633
  (c) Interest on balances with Reserve Bank of India and other inter bank funds 42854 75887 52057 203210 123727 199086
  (d) Others 62131 35693 43045 132480 160277 208881
2   Other Income 167304 173706 177496 496125 478078 675806
3   Total Income (1 + 2) 1297628 1249039 1218104 3757053 3610555 4895799
4   Interest Expended 690921 703280 727172 2108977 2139322 2868652
5   Operating Expenses (a)+ (b)+ (C) 241696 241575 231411 714070 675743 929640
  (a) Employees cost 111042 121314 113891 333838 341553 463777
  (b) Rent, Taxes & Lighting 25737 25901 22373 74265 68231 93998
  (c) Other operating expenses 104917 94360 95147 305967 265959 371865
6   Total Expenditure (4+5) excluding provisions and contingencies 932617 944855 958583 2823047 2815065 3798292
7   Operating Profit (3-6) before Provisions and Contingencies 365011 304184 259521 934006 795490 1097507
8   Provisions (other than tax) and Contingencies 342651 232935 207950 812391 587941 850238
  of which provisions for Non-performing Asset 315528 184722 163782 715919 525471 767978
9   Exceptional Items 0 0 0 0 0 0
10   Profit (+) / Loss (-) from Ordinary Activities before tax (7-8-9) 22360 71249 51571 121615 207549 247269
11   Provision for Taxes 11182 35713 26304 54562 84708 108956
12   Net Profit (+) / Loss (-) from Ordinary Activities after tax (10-11) 11178 35536 25267 67053 122841 138313
13   Extraordinary items (net of tax expenses) 0 0 0 0 0 0
14   Net Profit (+) / Loss (-) for the period (12-13) 11178 35536 25267 67053 122841 138313
15   Paid-up equity share capital (Face Value of `2 each) 46209 46209 46209 46209 46209 46209
16   Reserve excluding Revaluation Reserve -- -- -- -- -- 3626520
17   Analytical Ratios            
  i) Percentage of shares held by Government of India 58.70 59.24 59.24 58.70 59.24 59.24
  ii) Capital Adequacy Ratio(%) -Basel-III 11.55 11.64 12.55 11.55 12.55 12.24
  a CET 1 Ratio (%) 8.28 8.39 9.28 8.28 9.28 8.98
  b Additional Tier 1 Ratio (%) 1.24 1.22 0.76 1.24 0.76 0.96
  iii) Earnings Per Share            
    Basic and diluted EPS before and after Extraordinary items, net of tax expenses (not annualized) [ in `.] 0.49 1.54 1.10 2.91 5.33 6.00
  iv) NPA Ratios            
  (a) Gross NPA 4848044 4630683 4264240 4848044 4264240 4271870
    Net NPA 1985215 1957262 1900633 1985215 1900633 1808018
  (b) % of Gross NPA 11.31 11.16 11.40 11.31 11.40 10.46
    % of Net NPA 4.97 5.05 5.43 4.97 5.43 4.72
  v) Return on Assets (annualized) % 0.07 0.21 0.15 0.13 0.24 0.20

Notes forming part of the un-audited financial results for the Quarter/ Nine Months Ended 31st December, 2017

  • The above financial results have been reviewed by the Audit Committee of Board and approved by the Board of Directors in their meetings held on 9th Feb, 2018. The same have been subjected to a Limited Review by the Statutory Central Auditors of the Bank, in line with the guidelines issued by the Reserve Bank of India (RBI) and as per the requirement of Listing Agreement with Stock Exchanges in India.
  • The above results for the quarter / nine months ended 31st Dec 2017 have been prepared, following the same accounting policies as those followed in the annual financial statements for the year ended 31st March, 2017, except as mentioned in note (7) below.
  • The financial results for the quarter / nine months ended 31st Dec 2017 have been arrived at after considering provision for Non-performing Assets, Standard Assets, Restructured Assets and depreciation / provision for Investments on the basis of prudential norms and specific guidelines issued by the RBI. The Bank has made provision @ 20% on the Secured Sub-standard Advances as against the Regulatory requirement of 15%.
  • In compliance with the RBI Circular DBR.No.BP.34/21.04.132/2016-17 dated 10th November, 2016, “Scheme for Stressed Assets- Revisions”, in respect of Standard Facilities under Strategic Debt Restructuring (SDR) and Scheme for Sustainable Structuring of Stressed Assets (S4A), the Bank has during the Quarter ended 31st Dec, 2017 reversed an amount of ` 307.89 Crores being unrealized interest in such accounts.
  • In terms of RBI Circular DBOD.BP.BC.2/21.06.201/2013-14 dated 01.07.2013, Banks are required to make Pillar 3 disclosure under Basel- III Capital Regulations. These details are being made available on our website "www.bankofbaroda.com". These disclosures have not been subjected to Review by the auditors.
  • During the quarter, Bank has paid / provided an amount of ` 5.45 Crs and ` 42.26 Lacs towards penalty imposed in South Africa and Seychelles branches respectively by their local Regulators.
  • Non Performing Loan Provisioning Coverage Ratio is 68.03 % as on 31st Dec 2017.
  • In compliance with the RBI circular No.DBR.No.BP.BC.64/21.04.048/2016-17 dated 18.04.2017, bank has made an additional provision of `6.57 Crs for the quarter ended Dec 2017 ( `135.67 Crs for the nine months ended 31st December 2017) in respect of standard advances to stressed sectors of the economy
  • Due to change in the method of appropriation of recovery in NPA accounts, where recoveries are now being adjusted against interest reversed, unapplied interest and lastly in principal as against the earlier method of adjusting recoveries against interest reversal, principal and then unapplied interest. Additional income of `67 crs ( net of tax and provisions) for the quarter and `160 crs (net of tax and provisions) for the nine months ended 31 st December 2017 has been recognised.
  • In compliance with RBI directives, during the quarter ended 31st Dec 2017, bank has made a provision of `145 crs (During the year `308 crs) under Insolvency and Bankruptcy code (IBC). Remaining `857 crs will be provided in next quarter as permitted under RBI directions.
  • Details of Investor's complaints for the quarter ended 30.09.2017: Pending at Beginning: 0; Received: 152; Disposed off: 152; Closing:0
  • In terms of Income Computation and Disclosure Standards (ICDS) notified by CBDT which are effective from 01.04.2016 and the clarification issued by CBDT through FAQs, the FCTR balance as on 01.04.2016 pertaining to Exchange difference on monetary items of non integral operations is required to be recognised in the income computation of the previous year relevant to AY 2017-18 to the extent not recognised earlier. The balance in FCTR as on 01.04.2016 amounts to `2238.55 Crs. Based on legal opinion, bank has not considered the opening balance of FCTR for computing taxable income and consequently tax amounting to `774.71 Crs has not been provided for. Further this will not impact the profit for the year since deferred tax assets has not been recognised to that extent.
  • LCR Disclosure - Q3 2017-18 PDF file that opens in new window. To know how to open PDF file refer Help section located at bottom of the site. (632 KB)
  • Statement of Assets & Liabilities is as under:-
  As on 31st December 2017 As on 31st December 2016 As on 31st March 2017
  Reviewed Reviewed Audited
CAPITAL & LIABILITIES      
Capital 46209 46209 46209
Reserves and Surplus 4017502 4059655 3984116
Deposits 57326523 58985891 60167517
Borrowings 4529174 3182002 3061144
Other Liabilities and Provisions 2363019 2421064 2228556
T O T A L 68282427 68694821 69487542
ASSETS      
Cash and Balances with Reserve Bank of India 2236257 2882355 2278021
Balances with Banks and Money at Call and Short Notice 6500799 9758396 12768970
Investments 16356695 17823060 12963054
Advances 39938076 34996011 38325922
Fixed Assets 548076 600336 575837
Other Assets 2702524 2634663 2575738
T O T A L 68282427 68694821 69487542
  • The figures of previous period have been regrouped / rearranged, wherever necessary, so as to make them comparable with those of the current period.

Segment reporting for the Quarter / Nine Months Ended 31st December, 2017

Part A : Business Segments

Sr. No. Particulars Quarter Ended Nine Months Ended Year Ended (Standalone)
31.12.2017 30.09.2017 31.12.2016 31.12.2017 31.12.2016 31.03.2017
Reviewed Reviewed Reviewed Reviewed Reviewed Audited
1 Segment Revenue            
  (a) Treasury Operations 412537 442873 471694 1290029 1284387 1757151
  (b) Wholesale Banking 452734 478490 433895 1386716 1397629 1882497
  (c) Retail Banking 399710 327676 312288 1047661 888463 1196705
  (d)Other Banking Operations 32647 0 227 32647 40076 59446
  Total Revenue 1297628 1249039 1218104 3757053 3610555 4895799
2 Segment Results            
  (a) Treasury Operations 68972 97706 142759 238510 355634 477184
  (b) Wholesale Banking (29596) (29398) (109411) (60985) (175176) (287970)
  (c) Retail Banking 23188 58156 84222 111734 178210 244463
  (d)Other Banking Operations 24111 0 (35) 24111 29997 43850
  Total 86675 126464 117535 313370 388665 477527
  Unallocated Expenditure 64316 55214 65964 191755 181116 230257
  Profit before Tax 22359 71250 51571 121615 207549 247270
  Provision for Tax 11181 35714 26304 54562 84708 108956
  Net Profit 11178 35536 25267 67053 122841 138314
3 Segment Assets            
  (a) Treasury Operations 26103465 26797508 30908223 26103465 30908223 28324071
  (b) Wholesale Banking 28437821 27895418 26267797 28437821 26267797 29102091
  (c) Retail Banking 12618437 11839968 10323086 12618437 10323086 10975447
  (d)Other Banking Operations - - - - - -
  (e) Unallocated 1122704 1158689 1195715 1122704 1195715 1085933
  Total Assets 68282427 67691583 68694821 68282427 68694821 69487542
4 Segment Liabilities            
  (a) Treasury Operations 24549962 25181248 29060850 24549962 29060850 26681255
  (b) Wholesale Banking 26745393 26212939 24697781 26745393 24697781 27414150
  (c) Retail Banking 11867473 11125855 9706079 11867473 9706079 10338863
  (d)Other Banking Operations - - - - - -
  (e) Unallocated 1055888 1088804 1124247 1055888 1124247 1022949
  Total Liabilities 64218716 63608846 64588957 64218716 64588957 65457217
5 Capital Employed            
  (a) Treasury Operations 1553503 1616260 1847373 1553503 1847373 1642816
  (b) Wholesale Banking 1692428 1682479 1570017 1692428 1570017 1687941
  (c) Retail Banking 750964 714113 617007 750964 617007 636583
  (d)Other Banking Operations - - - - - -
  (e) Unallocated 66816 69885 71467 66816 71467 62985
  Total Capital Employed 4063711 4082737 4105864 4063711 4105864 4030325

Part- B : Geographic Segments

Sr. No. Particulars Quarter Ended Nine Months Ended Year Ended (Standalone)
31.12.2017 30.09.2017 31.12.2016 31.12.2017 31.12.2016 31.03.2017
Reviewed Reviewed Reviewed Reviewed Reviewed Audited
1 Revenue            
  (a) Domestic 1171113 1129473 1090973 3387209 3225434 4378754
  (b) International 126515 119566 127131 369844 385121 517045
  Total 1297628 1249039 1218104 3757053 3610555 4895799
2 Assets            
  (a) Domestic 51944946 50717291 49815362 51944946 49815362 49240063
  (b) International 16337481 16974292 18879459 16337481 18879459 20247479
  Total 68282427 67691583 68694821 68282427 68694821 69487542

Notes on Segment Reporting :

  • As per guidelines of the RBI on compliance with Accounting Standards, the Bank has adopted "Treasury Operations", Wholesale, Retail and "Other Banking Operations" as Primary business segments and "Domestic" and International as secondary / geographic segments for the purpose of compliance with AS-17 on Segment Reporting issued by ICAI.
  • Segment revenue represents revenue from external customers.
  • Capital employed for each segment has been allocated proportionate to the assets of the segment.
  • Results, Revenue and Capital Employed of International Operations is included in Other Banking Operations.
  • The figures of previous period / year have been regrouped / rearranged wherever necessary so as to make them comparable with those of the current period.
Papia Sengupta Ashok Kumar Garg   Mayank K Mehta P S Jayakumar Ravi Venkatesan
Executive Director Executive Director   Executive Director Managing Director & CEO Chairman

Place : Mumbai
Date : 9th Feb 2018

SEBI Format

Sr. No. Particulars Quarter Ended Half Year Ended Year Ended (Standalone)
30.09.2017 30.06.2017 30.09.2016 30.09.2017 30.09.2016 31.03.2017
Reviewed Reviewed Reviewed Reviewed Reviewed Audited
1 Interest earned (a)+(b)+(c)+(d) 1075333 1055271 1048517 2130604 2091869 4219993
(a) Interest /discount on advances / bills 714575 693450 683974 1408025 1400182 2752393
(b) Income on investments 249178 242696 253289 491874 502785 1059633
(c) Interest on balances with Reserve Bank of India and other inter bank funds 75887 84469 39178 160356 71670 199086
(d) Others 35693 34656 72076 70349 117232 208881
2 Other Income 173706 155115 156143 328821 300582 675806
3 Total Income (1 + 2) 1249039 1210386 1204660 2459425 2392451 4895799
4 Interest Expended 703280 714776 705907 1418056 1412150 2868652
5 Operating Expenses (a)+ (b)+ (C) 241575 230799 229733 472374 444332 929640
(a) Employees cost 121314 101482 116850 222796 227662 463777
(b) Rent, Taxes & Lighting 25901 22627 25740 48528 45858 93998
(c) Other operating expenses 94360 106690 87143 201050 170812 371865
6 Total Expenditure (4+5) excluding provisions and contingencies 944855 945575 935640 1890430 1856482 3798292
7 Operating Profit (3-6) before Provisions and Contingencies 304184 264811 269020 568995 535969 1097507
8 Provisions (other than tax) and Contingencies 232935 236805 179584 469740 379991 850238
of which provisions for Non-peforming Asset 184722 215669 163045 400391 361689 767978
9 Exceptional Items 0 0 0 0 0 0
10 Profit (+) / Loss (-) from Ordinary Activities before tax (7-8-9) 71249 28006 89436 99255 155978 247269
11 Provision for Taxes 35713 7667 34224 43380 58404 108956
12 Net Profit (+) / Loss (-) from Ordinary Activities after tax (10-11) 35536 20339 55212 55875 97574 138313
13 Extraordinary items (net of tax expenses) 0 0 0 0 0 0
14 Net Profit (+) / Loss (-) for the period (12-13) 35536 20339 55212 55875 97574 138313
15 Paid-up equity share capital (Face Value of `2 each) 46209 46209 46209 46209 46209 46209
16 Reserve excluding Revaluation Reserve -- -- -- -- -- 3626520
17 Analytical Ratios
i) Percentage of shares held by Government of India 59.24 59.24 59.24 59.24 59.24 59.24
ii) Capital Adequacy Ratio(%) -Basel-III 11.64 11.81 12.94 11.64 12.94 12.24
a CET 1 Ratio (%) 8.39 8.83 10.09 8.39 10.09 8.98
b Additional Tier 1 Ratio (%) 1.22 0.94 0.50 1.22 0.50 0.96
iii) Earnings Per Share
Basic and diluted EPS before and after Extraordinary items, net of tax expenses (not annualized) [ in `.] 1.54 2.39 2.42 4.23 6.00
iv) NPA Ratios
(a) Gross NPA 4630683 4617277 4294925 4630683 4294925 4271870
Net NPA 1957262 1951931 1934195 1957262 1934195 1808018
(b) % of Gross NPA 11.16 11.40 11.35 11.16 11.35 10.46
% of Net NPA 5.05 5.17 5.46 5.05 5.46 4.72
v) Return on Assets (annualized) % 0.21 0.12 0.33 0.16 0.29 0.20

Notes forming part of the un-audited financial results for the Quarter/ Half Year Ended 30th September, 2017

  • The above financial results have been reviewed by the Audit Committee of Board in their meeting held on 14th Nov, 2017 and approved by the Board of Directors in their meeting held on 14th Nov, 2017. The same have been subjected to Limited Review by the Statutory Central Auditors of the Bank, in line with the guidelines issued by Reserve Bank of India and as per the requirement of listing agreement with Stock Exchanges.
  • The above results for the quarter / half year ended 30th Sept 2017 have been prepared, following the same accounting policies as those followed in the annual financial statements for the year ended 31st March, 2017.
  • The financial results for the quarter / half year ended 30th Sep 2017 have been arrived at after considering provision for Non-performing Assets, Standard Assets, Restructured Assets and depreciation / provision for Investments on the basis of prudential norms and specific guidelines issued by the RBI. The Bank has made provision @ 20% on the Secured Sub-standard Advances as against the Regulatory requirement of 15%.
  • In compliance with the RBI Circular DBR.No.BP.34/21.04.132/2016-17 dated 10th November, 2016, “Scheme for Stressed Assets- Revisions”, in respect of Standard Facilities under Strategic Debt Restructuring (SDR) and Scheme for Sustainable Structuring of Stressed Assets (S4A), the Bank has during the Quarter ended 30th Sep, 2017 reversed an amount of ` 132.72 Crores being unrealized interest in such accounts.
  • In terms of RBI Circular DBOD.BP.BC.2/21.06.201/2013-14 dated 01.07.2013, Banks are required to make Pillar 3 disclosure under Basel- III Capital Regulations. These details are being made available on our website "www.bankofbaroda.com". These disclosures have not been subjected to Audit by the auditors.
  • During the quarter, Bank has paid / provided an amount of ` 5.45 Crs and ` 42.26 Lacs towards penalty imposed in South Africa and Seychelles branches respectively by their local Regulators.
  • Non Performing Loan Provisioning Coverage Ratio is 67.18 % as on 30th Sep 2017.
  • In compliance with the RBI circular No.DBR.No.BP.BC.64/21.04.048/2016-17 dated 18.04.2017, during the quarter ended 30.09.2017, bank has made additional provision of `22.06 Crs in respect of standard advances to stressed sectors of the economy.
  • Due to change in appropriation of recovery in NPA accounts additional income of `93 crs (net of tax and provisions) has been recognised during the quarter ended 30.09.2017.
  • In compliance with RBI directives ( DBR no.BP.15199/21.04.048/2016-17 dated 23.06.2017), during the quarter ended 30.09.2017, bank has made a provision of `162.94 crs under Insolvency and Bankruptcy code (IBC). Remaining `325.89 crs will be provided in next two quarters as permited under RBI directions.
  • Details of Investor's complaints for the quarter ended 30.09.2017: Pending at Beginning: 0; Received: 148; Disposed off: 148; Closing:0
  • In terms of Income Computation and Disclosure Standards (ICDS) notified by CBDT which are effective from 01.04.2016 and the clarification issued by CBDT through FAQs, the FCTR balance as on 01.04.2016 pertaining to Exchange difference on monetary items of non integral operations is required to be recognised in the income computation of the previous year relevant to AY 2017-18 to the extent not recognised earlier. The balance in FCTR as on 01.04.2016 amounts to `2238.55 Crs. Based on legal opinion, bank has not considered the opening balance of FCTR for computing taxable income and consequently tax amounting to `774.71 Crs has not been provided for. Further this will not impact the profit for the year since deferred tax assets has not been recognised to that extent.
  • LCR Disclosure - Q2 2017-18 PDF file that opens in new window. To know how to open PDF file refer Help section located at bottom of the site. (92.4 KB)
  • Statement of Assets & Liabilities is as under:-
As on 30th September 2017 As on 30th September 2016 As on 31st March 2017
Reviewed Reviewed Audited
CAPITAL & LIABILITIES
Capital 46209 46209 46209
Reserves and Surplus 4036528 4033967 3984116
Deposits 58321203 56753124 60167517
Borrowings 3078195 3272225 3061144
Other Liabilities and Provisions 2209448 2094113 2228556
T O T A L 67691583 66199638 69487542
ASSETS
Cash and Balances with Reserve Bank of India 2265435 2073220 2278021
Balances with Banks and Money at Call and Short Notice 8518635 12001769 12768970
Investments 14988926 13605567 12963054
Advances 38730157 35414960 38325922
Fixed Assets 557837 601971 575837
Other Assets 2630593 2502151 2575738
T O T A L 67691583 66199638 69487542
  • The figures of previous period have been regrouped / rearranged, wherever necessary, so as to make them comparable with those of the current period.

Segment reporting for the Quarter / Half Year Ended 30th September, 2017

Part A - Business Segments

Particulars Quarter Ended Half Year Ended Year Ended (Standalone)
30.09.2017 30.06.2017 30.09.2016 30.09.2017 30.09.2016 31.03.2017
Reviewed Reviewed Reviewed Reviewed Reviewed Audited
Segment Revenue
(a) Treasury Operations 442873 434619 416481 877492 812693 1757151
(b) Wholesale Banking 478490 455492 475974 933982 963734 1882497
(c) Retail Banking 327676 320275 281927 647951 576175 1196705
(d)Other Banking Operations 0 0 30278 0 39849 59446
Total Revenue 1249039 1210386 1204660 2459425 2392451 4895799
Segment Results
(a) Treasury Operations 97706 71832 110583 169538 212875 477184
(b) Wholesale Banking (29398) (1991) (42788) (31389) (65765) (287970)
(c) Retail Banking 58156 30390 57746 88546 93988 244463
(d)Other Banking Operations 0 0 22711 0 30032 43850
Total 126464 100231 148252 226695 271130 477527
Unallocated Expenditure 55214 72225 58816 127439 115152 230257
Profit before Tax 71250 28006 89436 99256 155978 247270
Provision for Tax 35714 7667 34224 43381 58404 108956
Net Profit 35536 20339 55212 55875 97574 138314
Segment Assets
(a) Treasury Operations 26797508 26521093 28822704 26797508 28822704 28324071
(b) Wholesale Banking 27895418 27841217 26176036 27895418 26176036 29102091
(c) Retail Banking 11839968 10961225 10137647 11839968 10137647 10975447
(d)Other Banking Operations 0 - - - - -
(e) Unallocated 1158689 1113981 1063251 1158689 1063251 1085933
Total Assets 67691583 66437516 66199638 67691583 66199638 69487542
Segment Liabilities
(a) Treasury Operations 25181248 24908392 27046233 25181248 27046233 26681255
(b) Wholesale Banking 26212939 26148242 24562691 26212939 24562691 27414150
(c) Retail Banking 11125855 10294693 9512819 11125855 9512819 10338863
(d)Other Banking Operations 0 - - 0 - -
(e) Unallocated 1088804 1046242 997718 1088804 997718 1022949
Total Liabilities 63608846 62397569 62119461 63608846 62119461 65457217
Capital Employed
(a) Treasury Operations 1616260 1612700 1776471 1616260 1776471 1642816
(b) Wholesale Banking 1682479 1692975 1613345 1682479 1613345 1687941
(c) Retail Banking 714113 666533 624828 714113 624828 636583
(d)Other Banking Operations - - - - - -
(e) Unallocated 69885 67739 65533 69885 65533 62985
Total Capital Employed 4082737 4039947 4080177 4082737 4080177 4030325

Part B - Geographic Segments

Particulars Quarter Ended Half Year Ended Year Ended (Standalone)
30.09.2017 30.06.2017 30.06.2016 30.09.2017 30.09.2016 31.03.2017
Reviewed Reviewed Reviewed Reviewed Reviewed Audited
Revenue
(a) Domestic 1129473 1086623 1075134 2216096 2134461 4378754
(b) International 119566 123763 129526 243329 257990 517045
Total 1249039 1210386 1204660 2459425 2392451 4895799
Assets
(a) Domestic 50717291 49582115 44955635 50717291 44955635 49240063
(b) International 16974292 16855401 21244003 16974292 21244003 20247479
Total 67691583 66437516 66199638 67691583 66199638 69487542

Notes on Segment Reporting :

  • As per guidelines of the RBI on compliance with Accounting Standards, the Bank has adopted "Treasury Operations", Wholesale, Retail and "Other Banking Operations" as Primary business segments and "Domestic" and International as secondary / geographic segments for the purpose of compliance with AS-17 on Segment Reporting issued by ICAI.
  • Segment revenue represents revenue from external customers.
  • Capital employed for each segment has been allocated proportionate to the assets of the segment.
  • Results, Revenue and Capital Employed of International Operations is included in Other Banking Operations.
  • The figures of previous period / year have been regrouped / rearranged wherever necessary so as to make them comparable with those of the current period.
Papia Sengupta Ashok Kumar Garg Mayank K Mehta P. S. Jayakumar Ravi Venkatesan
Executive Director Executive Director Executive Director Managing Director & CEO Chairman

Place : Mumbai
Date : 14th Nov 2017

SEBI Format

Sr. No. Particulars Quarter Ended Year Ended (Standalone)
30.06.2017 31.03.2017 30.06.2016 31.03.2017
Reviewed Audited Reviewed Audited
1 Interest earned (a)+(b)+(c)+(d) 1055271 1087516 1043352 4219993
(a) Interest /discount on advances / bills 693450 678564 716208 2752393
(b) Income on investments 242696 284989 249496 1059633
(c) Interest on balances with Reserve Bank of India and other inter bank funds 84469 75359 32492 199086
(d) Others 34656 48604 45156 208881
2 Other Income 155115 197728 144439 675806
3 Total Income (1 + 2) 1210386 1285244 1187791 4895799
4 Interest Expended 714776 729330 706243 2868652
5 Operating Expenses (a)+ (b)+ (C) 230799 253897 214599 929640
(a) Employees cost 101482 122224 110812 463777
(b) Rent, Taxes & Lighting 22627 25767 20118 93998
(c) Other operating expenses 106690 105906 83669 371865
6 Total Expenditure (4+5) excluding provisions and contingencies 945575 983227 920842 3798292
7 Operating Profit (3-6) before Provisions and Contingencies 264811 302017 266949 1097507
8 Provisions (other than tax) and Contingencies 236805 262297 200407 850238
of which provisions for Non-peforming Asset 215669 242507 198644 767978
9 Exceptional Items 0 0 0 0
10 Profit (+) / Loss (-) from Ordinary Activities before tax (7-8-9) 28006 39720 66542 247269
11 Provision for Taxes 7667 24248 24180 108956
12 Net Profit (+) / Loss (-) from Ordinary Activities after tax (10-11) 20339 15472 42362 138313
13 Extraordinary items (net of tax expenses) 0 0 0 0
14 Net Profit (+) / Loss (-) for the period (12-13) 20339 15472 42362 138313
15 Paid-up equity share capital (Face Value of `2 each) 46209 46209 46209 46209
16 Reserve excluding Revaluation Reserve -- -- -- 3626520
17 Analytical Ratios
i) Percentage of shares held by Government of India 59.24 59.24 59.24 59.24
ii) Capital Adequacy Ratio(%) -Basel-III 11.81 12.24 13.07 12.24
a CET 1 Ratio (%) 8.83 8.98 10.19 8.98
b Additional Tier 1 Ratio (%) 0.94 0.96 0.51 0.96
iii) Earnings Per Share
Basic and diluted EPS before and after Extraordinary items, net of tax expenses (not annualized) [ in `.] 0.67 1.84 6.00
iv) NPA Ratios
(a) Gross NPA 4617277 4271870 4299168 4271870
Net NPA 1951931 1808018 2078377 1808018
(b) % of Gross NPA 11.40 10.46 11.15 10.46
% of Net NPA 5.17 4.72 5.73 4.72
v) Return on Assets (annualized) % 0.12 0.09 0.25 0.20

Notes forming part of the un-audited financial results for the Quarter Ended 30th June, 2017

  • The above financial results have been reviewed by the Audit Committee of Board in their meeting held on 11th Aug, 2017 and approved by the Board of Directors in their meeting held on 11th Aug, 2017. The same have been subjected to Limited Review by the Statutory Central Auditors of the Bank, in line with the guidelines issued by Reserve Bank of India and as per the requirement of listing agreement with Stock Exchanges.
  • The above results for the quarter ended 30th June 2017 have been prepared, following the same accounting policies as those followed in the annual financial statements for the year ended 31st March, 2017.
  • The financial results for the quarter ended 30th June 2017 have been arrived at after considering provision for Non-performing Assets, Standard Assets, Restructured Assets and depreciation / provision for Investments on the basis of prudential norms and specific guidelines issued by the RBI. The Bank has made provision @ 20% on the Secured Sub-standard Advances as against the Regulatory requirement of 15%.
  • In compliance with the RBI Circular DBR.No.BP.34/21.04.132/2016-17 dated 10th November, 2016, “Scheme for Stressed Assets- Revisions”, in respect of Standard Facilities under Strategic Debt Restructuring (SDR) and Scheme for Sustainable Structuring of Stressed Assets (S4A), the Bank has during the Quarter ended 30th June, 2017 reversed an amount of ` 172.08 Crores being unrealized interest in such accounts.
  • In terms of RBI Circular DBOD.BP.BC.2/21.06.201/2013-14 dated 01.07.2013, Banks are required to make Pillar 3 disclosure under Basel- III Capital Regulations. These details are being made available on our website "www.bankofbaroda.com". These disclosures have not been subjected to Audit by the auditors.
  • During the quarter, Bank has paid / provided an amount of ` 5.45 Crs and ` 42.26 Lacs towards penalty imposed in South Africa and Seychelles branches respectively by their local Regulators.
  • Non Performing Loan Provisioning Coverage Ratio is 66.28 % as on 30th June 2017.
  • In compliance with the RBI circular No.DBR.No.BP.BC.64/21.04.048/2016-17 dated 18.04.2017, bank has made aditional provision of `107.84 Crs in respect of standard advances to stressed sectors of the economy.
  • Details of Investor's complaints for the quarter ended 30.06.2017: Pending at Beginning: 0; Received: 153; Disposed off: 153; Closing:0
  • In terms of Income Computation and Disclosure Standards (ICDS) notified by CBDT which are effective from 01.04.2016 and the clarification issued by CBDT through FAQs, the FCTR balance as on 01.04.2016 pertaining to Exchange difference on monetary items of non integral operations is required to be recognised in the income computation of the previous year relevant to AY 2017-18 to the extent not recognised earlier. The balance in FCTR as on 01.04.2016 amounts to `2238.55 Crs. Based on legal opinion, bank has not considered the opening balance of FCTR for computing taxable income and consequently tax amounting to `774.71 Crs has not been provided for. Further this will not impact the profit for the year since deferred tax assets has not been recognised to that extent.
  • LCR Disclosure - Q1 2017-18 PDF file that opens in new window. To know how to open PDF file refer Help section located at bottom of the site. (25 KB)
  • Statement of Assets & Liabilities is as under:-
As on 30th June 2017 As on 30th June 2016 As on 31st March 2017
Reviewed Reviewed Audited
CAPITAL & LIABILITIES
Capital 46209 46209 46209
Reserves and Surplus 3993738 4008712 3984116
Deposits 57060750 56217373 60167517
Borrowings 2843825 3571448 3061144
Other Liabilities and Provisions 2492994 2327014 2228556
T O T A L 66437516 66170756 69487542
ASSETS
Cash and Balances with Reserve Bank of India 2203108 2118333 2278021
Balances with Banks and Money at Call and Short Notice 9390002 11338412 12768970
Investments 13797500 13243884 12963054
Advances 37760674 36276635 38325922
Fixed Assets 567491 618501 575837
Other Assets 2718741 2574991 2575738
T O T A L 66437516 66170756 69487542
  • The figures of previous period have been regrouped / rearranged, wherever necessary, so as to make them comparable with those of the current period.

Segment reporting for the Quarter Ended 30th June, 2017

Part A-Business Segments

Particulars Quarter Ended Year Ended (Standalone)
30.06.2017 31.03.2017 30.06.2016 31.03.2017
Reviewed Audited Reviewed Audited
Segment Revenue
(a) Treasury Operations 434619 472764 396212 1757151
(b) Wholesale Banking 455492 484868 487760 1882497
(c) Retail Banking 320220 308242 294248 1196705
(d)Other Banking Operations 55 19370 9571 59446
Total Revenue 1210386 1285244 1187791 4895799
Segment Results
(a) Treasury Operations 71832 121550 102292 477184
(b) Wholesale Banking (1991) (112794) (22977) (287970)
(c) Retail Banking 30348 66253 36242 244463
(d)Other Banking Operations 42 13853 7321 43850
Total 100231 88862 122878 477527
Unallocated Expenditure 72225 49141 56336 230257
Profit before Tax 28006 39721 66542 247270
Provision for Tax 7667 24248 24180 108956
Net Profit 20339 15473 42362 138314
Segment Assets
(a) Treasury Operations 26521093 28324071 27650758 28324071
(b) Wholesale Banking 27841217 29102091 28629382 29102091
(c) Retail Banking 10961225 10975447 8807699 10975447
(d)Other Banking Operations - - - -
(e) Unallocated 1113981 1085933 1082917 1085933
Total Assets 66437516 69487542 66170756 69487542
Segment Liabilities
(a) Treasury Operations 24908392 26681255 25956329 26681255
(b) Wholesale Banking 26148242 27414150 26874983 27414150
(c) Retail Banking 10294693 10338863 8267966 10338863
(d)Other Banking Operations - - - -
(e) Unallocated 1046242 1022949 1016557 1022949
Total Liabilities 62397569 65457217 62115835 65457217
Capital Employed
(a) Treasury Operations 1612700 1642816 1694429 1642816
(b) Wholesale Banking 1692975 1687941 1754399 1687941
(c) Retail Banking 666533 636583 539733 636583
(d)Other Banking Operations - - - -
(e) Unallocated 67739 62985 66360 62985
Total Capital Employed 4039947 4030325 4054921 4030325

Part- B : Geographic Segments

Particulars Quarter Ended Year Ended (Standalone)
30.06.2017 31.03.2017 30.06.2016 31.03.2017
Reviewed Audited Reviewed Audited
Revenue
(a) Domestic 1086623 1153320 1059327 4378754
(b) International 123763 131924 128464 517045
Total 1210386 1285244 1187791 4895799
Assets
(a) Domestic 49582115 49240063 44554179 49240063
(b) International 16855401 20247479 21616577 20247479
Total 66437516 69487542 66170756 69487542

Notes on Segment Reporting :

  • As per guidelines of the RBI on compliance with Accounting Standards, the Bank has adopted "Treasury Operations", Wholesale, Retail and "Other Banking Operations" as Primary business segments and "Domestic" and International as secondary / geographic segments for the purpose of compliance with AS-17 on Segment Reporting issued by ICAI.
  • Segment revenue represents revenue from external customers.
  • Capital employed for each segment has been allocated proportionate to the assets of the segment.
  • Results, Revenue and Capital Employed of International Operations is included in Other Banking Operations.
  • The figures of previous period / year have been regrouped / rearranged wherever necessary so as to make them comparable with those of the current period.

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हम अपनी वेबसाइट पर आपके अनुभव को बढ़ाने के लिए कुकीज़ (और इसी प्रकार के उपकरण) का उपयोग करते हैं। हमारी कुकी नीति, गोपनीयता नीति और नियम एवं शर्तों के बारे में अधिक जानने के लिए, कृपया यहां क्लिक करें। इस वेबसाइट को ब्राउज़ करना जारी रखते हुए, आप कुकीज़ के उपयोग हेतु सहमति देते हैं और गोपनीयता नीति एवं नियम और शर्तों से सहमत होते हैं।