Financial Report Q1 2026-27

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June 26-27
  • June 26-27

Financial Results for the Quarter ended, 30th June 2026.

  • Liquidity Coverage Ratio (LCR) Disclosure - June 2026
    Name of the Bank : Bank of Baroda Daily Averages of Q1 Ending June 2026
    (Solo basis)     		Daily Averages of Q1 Ending June 2026
    (Consolidated basis)
    Total Unweighted Value Total Weighted Value Total Unweighted Value Total Weighted Value
    High Quality Liquid Assets
    1 Total High Quality Liquid Assets (HQLA) 3,31,105.12 3,37,837.59
    Cash Outflows
    2 Retail deposit and deposits from small business customers, of which: 9,38,041.06 96,562.69 9,59,134.32 98,871.99
    (i) Stable Deposits 1,79,690.97 11,394.65 1,83,038.923 11,569.41
    (ii) Less Stable Deposits 7,58,350.09 85,168.04 7,76,095.39 87,302.58
    3 Unsecured wholesale funding, of which: 3,31,218.01 1,89,728.85 3,42,523.05 1,96,608.26
    (i) Operational deposits (all counterparties) - - - -
    (ii) Non-operational deposits (all counterparties) 3,31,218.01 1,89,728.85 3,42,523.05 1,96,608.26
    (iii) Unsecured debt - - - -
    4 Secured wholesale Funding 18,781.84 - 18,781.84 -
    5 Additional requirements, of which 1,81,242.40 15,633.64 1,82,196.98 15,715.50
    (i) Outflows related to derivative exposures and other collateral requirements 687.38 687.38 712.41 712.41
    (ii) Outflows related to loss of funding on debt products - - - -
    (iii) Credit and liquidity facilities 1,80,555.02 14,946.26 1,81,484.57 15,003.09
    6 Other contractual funding obligations 6,212.99 6,212.99 6,403.88 6,403.88
    7 Other contingent funding obligations 2,00,452.07 8,007.34 2,02,353.32 8,063.47
    8 TOTAL CASH OUTFLOWS 16,75,948.36 3,16,145.51 17,11,393.38 3,25,663.11
    Cash Inflows
    9 Secured lending (e.g. reverse repos) 62.10 - 72.27 5.08
    10 Inflows from fully performing exposures 52,928.63 45,188.36 55,719.19 47,679.30
    11 Other cash inflows 10,121.27 10,121.27 10,668.60 10,573.30
    12 TOTAL CASH INFLOWS 63,112.00 55,309.63 66,460.06 58,257.69
    Total Adjusted Value Total Adjusted Value
    13 TOTAL HQLA 3,31,105.12 3,37,837.59
    14 TOTAL NET CASH OUTFLOWS 2,60,835.88 2,67,405.42
    15 LIQUIDITY COVERAGE RATIO (%) 126.94% 126.34%

    Note: The Liquidity Coverage Ratio mentioned above is the daily average of 71 working days for the quarter Apr - June 2026

  • NSFR Disclosure at 30th June 2026

    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 2026 based on audited financials.

    At a consolidated level, the NSFR of the bank comes out to 119.99 % as on 30th June 2026 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 13%, Retail deposits & small business customer deposits constitute 64% & wholesale deposits constitute 23% 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 72.73% of total RSF after applying the associated weights.

    Intra Period Changes:

    There was no significant change in NSFR at consolidated level as on June 2026 position at 119.99% as against March 2026 position of 121.37%. During the period, weighted ASF Decreased by ~ 16,263 & weighted RSF Decreased by ~ 305 Cr

    (Rs.in Crore) Unweighted value by residual maturity Weighted value
    No maturity < 6 months 6 months to < 1yr ≥ 1yr
      ASF Item          
    1 Capital: (2+3) 1,75,524.65 0.00 0.00 0.00 1,75,524.65
    2 Regulatory capital 1,75,524.65 0.00 0.00 0.00 1,75,524.65
    3 Other capital instruments 0.00 0.00 0.00 0.00 0.00
    4 Retail deposits and deposits from small business customers: (5+6) 4,48,896.19 2,28,345.58 2,12,655.43 82,391.87 8,84,533.09
    5 Stable deposits 76,689.38 50,038.81 47,409.11 15,321.51 1,79,985.86
    6 Less stable deposits 3,72,206.81 1,78,306.77 1,65,246.32 67,070.36 7,04,547.24
    7 Wholesale funding: (8+9) 94,791.50 1,39,560.61 1,84,436.26 1,19,883.41 3,25,512.26
    8 Operational deposits 0.00 0.00 0.00 0.00 0.00
    9 Other wholesale funding 94,791.50 1,39,560.61 1,84,436.26 1,19,883.41 3,25,512.26
    10 Other liabilities: (11+12) 18,343.00 3,29,514.83 29,291.11 1.54 0.00
    11 NSFR derivative liabilities   829.07 0.00 0.00  
    12 All other liabilities and equity not included in the above categories 18,343.00 3,28,685.76 29,291.11 1.54 0.00
    13 Total ASF (1+4+7+10)         13,85,570.00
      RSF Item          
    14 Total NSFR high-quality liquid assets (HQLA)         17,994.45
    15 Deposits held at other financial institutions for operational purposes 29.78 2,623.95 0.00 0.00 1,326.86
    16 Performing loans and securities: (17+18+19+21+23) 0.00 2,84,069.87 1,99,332.08 8,89,660.39 8,82,591.91
    17 Performing loans to financial
    institutions secured by Level 1 HQLA     		0.00 22.03 0.00 0.00 2.20
    18 Performing loans to financial institutions secured by non-Level 1 HQLA and unsecured performing loans to financial institutions 0.00 1,46,006.33 64,724.12 0.00 54,263.13
    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:     		0.00 1,20,842.88 1,22,212.00 6,47,541.26 6,30,788.82
    20 With a risk weight of less than or equal to 35% under the Basel II Standardised Approach for credit risk 0.00 1,00,199.65 1,04,132.54 2,04,389.48 2,34,727.29
    21 Performing residential mortgages,
    of which:     		0.00 11,493.28 12,395.96 1,91,589.86 1,51,735.19
    22 With  a risk  weight of less than or equal to 35% under the Basel II Standardised Approach for credit risk 0.00 7,310.40 8,028.06 1,15,263.68 82,582.55
    23 Securities that are not in default and do not qualify as HQLA, including exchange-traded equities 0.00 5,705.36 0.00 50,529.27 45,802.56
    24 Other assets: (sum of rows 25 to 29) 11956.41 237.92 0.00 225291.56 237016.92
    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 3126.48 2657.51
    27 NSFR derivative assets 0.00 0.00 0.00 0.00
    28 NSFR derivative liabilities before deduction of variation margin posted 237.92 0.00 0.00 237.92
    29 All other assets not included in the above categories 11,956.41 0.00 0.00 2,22,165.08 2,34,121.49
    30 Off-balance sheet items   3,56,680.80 0.00 0.00 15,814.47
    31 Total RSF (14+15+16+24+30)   11,54,744.61
    32 Net Stable Funding Ratio (%) 119.99%

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