Financial Report Q2 2025-26

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September 25-26
  • September 25-26

Financial Results September 2025-26

  • Liquidity Coverage Ratio (LCR) Disclosure

    Note: The Liquidity Coverage Ratio mentioned above is the daily average of 70 working days for the quarter Jul-Sep 2025

    Liquidity Coverage Ratio (LCR) Disclosure - September 2025 (Rs in crs)
    Name of the Bank : Bank of Baroda Daily Averages of Q2 Ending September 2025 (Solo basis) Daily Averages of Q2 Ending September 2025 (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)   3,09,706.09   3,18,555.56
    Cash Outflows
    2 Retail deposit and deposits from small business customers, of which: 8,75,338.52 78,881.19 9,07,392.69 81,799.99
    (i) Stable Deposits 1,73,053.08 8,652.65 1,78,785.50 8,939.27
    (ii) Less Stable Deposits 7,02,285.44 70,228.54 7,28,607.19 72,860.72
    3 Unsecured wholesale funding, of which: 2,83,244.00 1,70,660.27 2,97,775.00 1,80,113.64
    (i) Operational deposits (all counterparties) - - - -
    (ii) Non-operational deposits (all counterparties) 2,83,244.00 1,70,660.27 2,97,775.00 1,80,113.64
    (iii) Unsecured debt - - - -
    4 Secured wholesale Funding 39,376.16 - 39,827.83 0.26
    5 Additional requirements, of which 3,04,429.30 31,551.51 3,10,641.82 32,133.62
    (i) Outflows related to derivative exposures and other collateral requirements 638.01 638.01 644.10 644.10
    (ii) Outflows related to loss of funding on debt products - - - -
    (iii) Credit and liquidity facilities 3,03,791.29 30,913.50 3,09,997.72 31,489.52
    6 Other contractual funding obligations 7,211.37 7,211.37 7,563.78 7,563.78
    7 Other contingent funding obligations 87,690.61 2,630.72 90,397.02 2,711.91
    8 TOTAL CASH OUTFLOWS 15,97,289.96 2,90,935.06 16,53,598.14 3,04,323.20
    Cash Inflows
    9 Secured lending (e.g. reverse repos) 986.22 - 987.25 -
    10 Inflows from fully performing exposures 39,665.90 29,858.88 45,319.02 35,143.96
    11 Other cash inflows 11,992.38 11,992.38 12,309.82 12,228.91
    12 TOTAL CASH INFLOWS 52,644.50 41,851.26 58,616.09 47,372.87
        Total Adjusted Value Total Adjusted Value
    13 TOTAL HQLA   3,09,706.09   3,18,555.56
    14 TOTAL NET CASH OUTFLOWS   2,49,083.80   2,56,950.34
    15 LIQUIDITY COVERAGE RATIO (%)   124.34%   123.98%
  • NSFR Disclosure at 30th September 2025

    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 September 2025 based on audited financials.

    At a consolidated level, the NSFR of the bank comes out to 122.55% as on 30th September 2025 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 73.37% of total RSF after applying the associated weights.

    Intra Period Changes:

    There was no significant change in NSFR at consolidated level as on September 2025 position at 122.55% as against June 2025 position of 122.64%. During the period, weighted ASF increased by ~ ₹ 46,073 Crs & weighted RSF increased by ~ ₹ 38,335 Crs.

    ( 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) 1,57,561.97 0.00 0.00 5,223.00 1,62,784.97
    2 Regulatory capital 1,57,561.97 0.00 0.00 5,223.00 1,62,784.97
    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) 4,18,987.58 2,22,247.68 1,91,283.56 77,170.62 8,27,898.73
    5 Stable deposits 73,395.96 47,952.01 46,331.15 15,885.64 1,74,386.52
    6 Less stable deposits 3,45,591.62 1,74,295.67 1,44,952.40 61,284.98 6,53,512.21
    7 Wholesale funding: (8+9) 86,707.86 1,27,963.85 1,47,648.78 1,23,765.18 2,98,586.62
    8 Operational deposits 0.00 0.00 0.00 0.00 0.00
    9 Other wholesale funding 86,707.86 1,27,963.85 1,47,648.78 1,23,765.18 2,98,586.62
    10 Other liabilities: (11+12) 15,865.52 2,74,574.52 5,844.97 1,822.23 0.00
    11 NSFR derivative liabilities 347.85 0.00 0.00
    12 All other liabilities and equity not included in the above categories 15,865.52 2,74,226.68 5,844.97 1,822.23 0.00
    13 Total ASF (1+4+7+10) 12,89,270.33
       RSF Item          
    14 Total NSFR high-quality liquid assets (HQLA) 0.00 0.00 0.00 16,718.57
    15 Deposits held at other financial institutions for operational purposes 24.99 2,615.00 27.14 0.00 1,333.57
    16 Performing loans and securities: (17+18+19+21+23) 0.00 2,11,807.46 2,03,675.25 8,01,657.02 7,96,321.19
    17 Performing loans to financial
    institutions secured by Level 1 HQLA     		0.00 12.35 0.00 0.00 1.24
    18 Performing loans to financial institutions secured by non-Level 1 HQLA and unsecured performing loans to financial institutions 0.00 90,047.13 46,637.14 0.00 36,944.32
    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 1,03,449.64 1,45,341.22 5,85,458.59 5,81,856.28
    20 With a risk weight of less than or equal to 35% under the Basel II Standardised Approach for credit risk 0.00 74,877.93 89,382.41 1,99,643.20 2,11,638.84
    21 Performing residential mortgages, of which: 0.00 12,029.90 11,696.89 1,74,994.81 1,39,362.05
    22 With a risk weight of less than or equal to 35% under the Basel II Standardised Approach for credit risk 0.00 7,768.23 7,732.89 1,06,198.83 76,772.64
    23 Securities that are not in default and do not qualify as HQLA, including exchange-traded equities 0.00 6,268.44 0.00 41,203.63 38,157.30
    24 Other assets: (sum of rows 25 to 29) 41,708.68 292.51 0.00 1,79,066.64 2,20,691.68
    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 93.95 0.00 2,413.65 2,131.46
    27 NSFR derivative assets 0.00 0.00 0.00 0.00
    28 NSFR derivative liabilities before deduction of variation margin posted 198.56 0.00 0.00 198.56
    29 All other assets not included in the above categories 41,708.68 0.00 0.00 1,76,652.99 2,18,361.67
    30 Off-balance sheet items 3,76,864.27 0.00 0.00 16,967.82
    31 Total RSF (14+15+16+24+30)   10,52,032.83
    32 Net Stable Funding Ratio (%)   122.55%

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