वित्तीय रिपोर्ट पहली तिमाही 2024-25

Annual Report

वित्तीय परिणाम जून 2024-25

Liquidity Coverage Ratio (LCR) Disclosure - June 2024

Liquidity Coverage Ratio (LCR) Disclosure - June 2024					*(Rs in crs)*
Name of the Bank : Bank of Baroda		Daily Averages of Q1 Ending Jun 2024 (Solo basis)		Daily Averages of Q1 Ending Jun 2024 (Consolidated basis)
Name of the Bank : Bank of Baroda		Total Unweighted Value	Total Weighted Value	Total Unweighted Value	Total Weighted Value
High Quality Liquid Assets
1	Total High Quality Liquid Assets (HQLA)		2,90,102.76		2,92,746.56
Cash Outflows
2	Retail deposit and deposits from small business customers, of which:	7,98,690.88	75,622.12	8,17,578.12	77,343.13
(i)	Stable Deposits	84,939.38	4,246.97	88,293.63	4,414.68
(ii)	Less Stable Deposits	7,13,751.50	71,375.15	7,29,284.49	72,928.45
3	Unsecured wholesale funding, of which:	2,48,475.83	1,48,815.76	2,55,674.23	1,53,239.55
(i)	Operational deposits (all counterparties)	-	-	-	-
(ii)	Non-operational deposits (all counterparties)	2,48,475.83	1,48,815.76	2,55,674.23	1,53,239.55
(iii)	Unsecured debt	-	-	-	-
4	Secured wholesale Funding	29,488.78	-	29,488.78	-
5	Additional requirements, of which	2,53,352.15	25,688.08	2,56,407.38	25,990.71
(i)	Outflows related to derivative exposures and other collateral requirements	874.91	874.91	874.91	874.91
(ii)	Outflows related to loss of funding on debt products	-	-	-	-
(iii)	Credit and liquidity facilities	2,52,477.24	24,813.17	2,55,532.47	25,115.80
6	Other contractual funding obligations	6,095.49	6,095.49	6,372.99	6,372.99
7	Other contingent funding obligations	89,080.95	2,672.43	89,993.69	2,699.81
8	TOTAL CASH OUTFLOWS	14,25,184.08	2,58,893.88	14,55,515.19	2,65,646.19
Cash Inflows
9	Secured lending (e.g. reverse repos)	-	-	-	-
10	Inflows from fully performing exposures	35,254.61	26,962.33	40,423.44	30,982.53
11	Other cash inflows	4,054.74	4,054.74	4,228.58	4,150.54
12	TOTAL CASH INFLOWS	39,309.35	31,017.07	44,652.02	35,133.07
		Total Adjusted Value		Total Adjusted Value
13	TOTAL HQLA		2,90,102.76		2,92,746.56
14	TOTAL NET CASH OUTFLOWS		2,27,876.81		2,30,513.12
15	LIQUIDITY COVERAGE RATIO (%)		127.31%		127.00%

Note: The Liquidity Coverage Ratio mentioned above is the daily average of 66 working days for the quarter Apr-June 2024

NSFR Disclosure at 30th June 2024

NSFR Disclosure at 30th June 2024

The RBI guidelines stipulated the implementation of NSFR effective from 1st October 2021 at a consolidated level with disclosure from quarter ended December 2021. Accordingly, the bank is computing the Consolidated NSFR. The NSFR is defined as the amount of Available Stable Funding relative to the amount of Required Stable Funding

NSFR= (Available Stable Funding (ASF))/(Required Stable Funding (RSF))

Available Stable Funding (ASF) is measured based on the broad characteristics of relative stability of funding sources, including contractual maturity of its liabilities and the differences in the tendency of different types of funding providers to withdraw their funding. Required Stable Funding (RSF) is a function of the liquidity characteristics and residual maturities of the various assets held by the bank including Off-Balance Sheet (OBS) exposures.

The table attached herewith sets out the un-weighted and weighted value of the NSFR components as on 30th June 2024 based on audited financials.

At a consolidated level, the NSFR of the bank comes out to 122.38 % as on 30th June 2024 against the requirement of 100% as per RBI guidelines.

Significant / Key Drivers:

The significant drivers of Available Stable Funding (ASF) are Capital, Retail & small business customer deposits & wholesale funding. The capital constitutes 12%, Retail deposits & small business customer deposits constitute 64% & wholesale deposits constitute 24% of Available Stable Funding after applying associated weights.

The Total Required Stable Funding is mainly driven by performing loans and securities which include financing various stake holders such as retail and small Business customers, non-financial corporate clients, performing residential mortgages and Investment in securities that do not qualify as HQLA. These together constitute for 72% of total RSF after applying the associated weights.

Intra Period Changes:

There was no significant change in NSFR at consolidated level as on June 2024 position at 122.38% as against March 2024 position of 123.22%. During the period, weighted ASF increased by approximately ₹ 23,732 Crs & weighted RSF increased by approximately ₹ 25,776 Crs.

( Rs.in Crore)		Unweighted value by residual maturity				Weighted value
		No maturity	< 6 months	6 months to < 1yr	≥ 1yr	Weighted value


	ASF Item
1	Capital: (2+3)	1,33,825.71	0.00	0.00	8,350.00	1,42,175.71
2	Regulatory capital	1,33,825.71	0.00	0.00	7,750.00	1,41,575.71
3	Other capital instruments	0.00	0.00	0.00	600.00	600.00
4	Retail deposits and deposits from small business customers: (5+6)	3,85,192.78	1,76,892.66	1,68,158.86	90,635.34	7,42,837.16
5	Stable deposits	28,687.04	20,215.41	21,785.75	10,221.71	76,864.42
6	Less stable deposits	3,56,505.73	1,56,677.25	1,46,373.11	80,413.62	6,65,972.74
7	Wholesale funding: (8+9)	94,677.65	92,914.91	1,41,098.10	1,27,908.96	2,80,438.74
8	Operational deposits	0.00	55.36	0.00	0.00	27.68
9	Other wholesale funding	94,677.65	92,859.55	1,41,098.10	1,27,908.96	2,80,411.06
10	Other liabilities: (11+12)	61,345.04	1,70,982.54	0.00	0.00	0.00
11	NSFR derivative liabilities		0.00	0.00	0.00
12	All other liabilities and equity not included in the above categories	61,345.04	1,70,982.54	0.00	0.00	0.00
13	Total ASF (1+4+7+10)					11,65,451.61
	RSF Item
14	Total NSFR high-quality liquid assets (HQLA)					14,443.32
15	Deposits held at other financial institutions for operational purposes	0.00	2,584.70	0.00	0.00	1,292.35
16	Performing loans and securities: (17+18+19+21+23)	579.32	1,75,362.13	1,43,966.12	7,27,432.70	7,05,566.30
17	Performing loans to financial institutions secured by Level 1 HQLA	0.00	216.03	0.00	0.00	21.60
18	Performing loans to financial institutions secured by non-Level 1 HQLA and unsecured performing loans to financial institutions	0.00	81,045.24	33,571.04	0.00	28,942.30
19	Performing loans to non- financial corporate clients, loans to retail and small business customers, and loans to sovereigns, central banks and PSEs, of which:	14.29	80,486.67	95,481.09	5,09,158.34	4,94,070.41
20	With a risk weight of less than or equal to 35% under the Basel II Standardised Approach for credit risk	0.00	60,897.67	83,358.66	1,33,526.05	1,58,920.09
21	Performing residential mortgages, of which:	0.00	10,091.39	10,140.97	1,35,026.57	1,07,143.18
22	With a risk weight of less than or equal to 35% under the Basel II Standardised Approach for credit risk	0.00	6,532.90	6,537.94	87,022.52	63,100.06
23	Securities that are not in default and do not qualify as HQLA, including exchange-traded equities	565.03	3,522.80	4,773.02	83,247.79	75,388.81
24	Other assets: (sum of rows 25 to 29)	39069.09	1005.37	378.61	174328.02	214781.09
25	Physical traded commodities, including gold		0.00	0.00	0.00	0.00
26	Assets posted as initial margin for derivative contracts and contributions to default funds of CCPs		0.00	0.00	0.00	0.00
27	NSFR derivative assets		556.67	0.00	0.00	556.67
28	NSFR derivative liabilities before deduction of variation margin posted		47.10	0.00	0.00	47.10
29	All other assets not included in the above categories	39,069.09	401.60	378.61	1,74,328.02	2,14,177.32
30	Off-balance sheet items		3,60,035.28	0.00	0.00	16,246.50
31	Total RSF (14+15+16+24+30)					9,52,329.55
32	Net Stable Funding Ratio (%)					122.38%

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