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This has been a better quarter for you. You have reported a profit this quarter versus the last and slippages have sharply come down as well.
What would you attribute this kind of numbers to? The last quarter probably is not the most appropriate quarter to compare with.
There were some accounting related changes coming from the RBI policies. There was a bunching up effect of that but really we have been working on this transformational journey for a couple of years now. The effect of all the work that we have been doing is beginning to manifest itself in financial results.
As a result, they are not adding to the pipeline of the problem. Third, so far, the realisation or rather the resolutions have been muted but with a few successes in the IBC, the effect of the flow of recovery from them is also obviously helping the net NPA position.
What led to sharpening in lower slippages and slightly better recoveries?
Get Bank Of Baroda latest Yearly Results, Financial Statements and Bank Of Baroda detailed profit and loss accounts. Debit Card: It is a card issued by the bank so the customers can withdraw their money from their account electronically. Demat Account: The way in which a bank keeps money in a deposit account in the same way the Depository Company converts share certificates into . Jan 23, · Dear Readers, we present the largest collections ever of Finacle Menu, having more than menu option for your ready reference. This collection is shared by one of our readers from Bank of Baroda,an International Bank which has more than Branches across the torosgazete.com widely used by different Banks worldwide the most of the menu option are much similar to other .
Which sectors are showing improving trends? Those loans that get NPA status are those that are delinquent at the point of the close of the quarter. So, very clearly, we are starting off with a lower base of problem accounts and the ability to contain them as well as ability to collect more has helped us in the situation.
I do not think there is any new segment or areas that are coming up as NPAs. The new set of accounts that we are working on are of extremely high quality. So, incremental business is not resulting in any further slippages. The problems are rather limited to the legacy issues which are getting resolved and carry forward is becoming less.
How much of the NCLT cases have shown resolution already? How much more would you need to provide for going further?
Let me start from the beginning. For us, the PCR ratios have historically been kept conservative and whenever we had the opportunity to take additional provisions, we have taken it. In some areas, our accounting policies have also been conservative.
We also take provisions on non-fund based business on NPA accounts as well. For a variety of reasons, our approach has always been to provide as much as we require and keep the coverage ratios high. That is adequate but there is also this aging provision that kicks off.
It is time related and to the extent, may not be adequate in certain cases. The analysis is really that the aging provision that happens through the course of the year would cover up whatever gap that might be there. In other words, we are well provided for but should there be need for incremental provisions, the aging provisions would kick off.
If these accounts are not resolved, they would be adequately provided for in the law. Where do you see slippages in recoveries run rate by end FY19?
Also, where do you see gross as well as net NPAs by end of the financial year? I would rather try to explain to you in terms of range rather than give a specific number because it is difficult to give a specific number.Parliament heard yesterday that stockpiles at nine of its 15 stations are below the required levels and are standing at less than a month's supply.
Sep 18, · The move comes close on the heels of the government’s proposal earlier this week to merge three state-run banks — Bank of Baroda, Vijaya Bank and Dena Bank — to create the country’s third-biggest lender.
Toll Free Number MTNL / BSNL Others [email protected] For FY , Bank of Baroda’s domestic net interest margins stood at % ( % for FY ). Global net interest margins stood at % over the same period. Total deposits with the bank stood at Rs.
6,01, Cr. For the same period, net NPA’s stood at % ( % for FY ). Bank of Baroda Results performance, stock scores and trends, latest financials, asset ratios and margins. Compare with peers and industry. Bank of Baroda - Results Performance, Latest Financials, Stock Scores, and Fundamental Analysis.
Get Bank Of Baroda latest Yearly Results, Financial Statements and Bank Of Baroda detailed profit and loss accounts.