Invitation Of Applications For Empanelment Of Advocates/ Firms On Banks Panel
Bank announces Financial Results for Quarter ended, 31th December 2025.
Mobile Number in account will be Mandatory for the issuance of Personalized Cheque Book
As an enhanced security measure, our official Corporate Website has migrated to a new domain : https://bankofbaroda.bank.in
With Bank Of Baroda personal loan, you get lowest interest rates, instant approval with minimal documentation. Checkout Bank of Baroda personal loan interest rates & eligibility. Apply now!
Apply for Bank of Baroda Home Loan online at the lowest interest rates. Checkout our home loan eligibility, interest rates, documentation. Get instant home loan approval. Apply now!
Car Loan: Apply for auto loan online by Bank of Baroda at an attractive interest rates & easy EMI option. Upto 90% financing on on-road price. Buy your dream car today!
Why should finance come in the way of future? Getting an education loan is an easy way to finance your dreams. A student loan can help you get into the university of your choice. Bank of Baroda is here to finance your dreams, education & career goals.
The easiest way to save for you, for your loved ones, and for your future. A savings account gives you the liberty to choose according to your needs and additionally give you benefits for all your transactions. With a gamut of savings account features on the table, Bank of Baroda is here to make your banking simple and easy!
Open Current Account online at Bank of Baroda to meet all your banking needs. Go to our website to learn more about the different types of current accounts we offer and apply now!
Bank of Baroda deposit plans offer convenient solutions to both working individuals as well as senior citizens. These deposits are categorised into deposits with a term period of less than 12 months, more than 12 months and recurring deposits.
An account for all. B3 Silver Account comes with maximum savings and zero Quarterly Average Balance (QAB). Also, make the most of coins and annual offers from Loyalty Rewardz to fulfill yearlong subscriptions and shopping.
Locate Us, Anytime, Anywhere
Bank of Baroda focuses on its employees, offering a career rather than just a job. Various initiatives are in place to groom employees throughout their life cycle. A comprehensive talent management system to groom future leaders of the bank.
Bank of Baroda offers various types of personal banking cards such as Credit, Debit, Prepaid, Business & Travel Cards. Choose the one best suited card for your needs.
Filter by Quarter
Note: The Liquidity Coverage Ratio mentioned above is the daily average of 67 working days for the quarter Oct-Dec 2023
NSFR Disclosure at 31st December 2023
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 31st December 2023 based on audited financials.
At a consolidated level, the NSFR of the bank comes out to 121.52 % as on 31st December 2023 against the requirement of 100% as per RBI guidelines.
Significant / Key Drivers:
The significant drivers of Available Stable Funding (ASF) are Retail & small business customer deposits & wholesale funding. The Retail deposits & small business customer deposits constitute 66% & wholesale deposits constitute 22% 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 68% of total RSF after applying the associated weights.
Intra Period Changes:
There was no significant change in NSFR at consolidated level as on December 2023 position at 121.52% as against September 2023 position of 123.73%. During the period, weighted ASF decreased by approximately Rs. 2,600 Crs & weighted RSF increased by approximately Rs. 14,000 Crs.
Request Call Back