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Bank of Baroda gave guidance on ECL provisioning transition impact, credit cost, ROA and credit-deposit ratio trends
By ScoutQuest · · 1 min read
- ECL one-time impact
- 125 bps
- ECL one-time impact amount
- 12,500 crore rupees
- Floating provision held
- 2,500 crore rupees
- Recurring credit cost gross
- 30 to 35 bps
- Recurring credit cost net
- 22 to 25 bps
Heard on business television between 10:22:17 - 10:25:17 IST.
- Management said the one-time ECL transition impact is about 125 bps, translating to roughly 12,500 crore rupees, against which the bank holds a floating provision of 2,500 crore rupees made earlier.
- Said recurring credit cost impact from ECL would be 30-35 bps gross and 22-25 bps net, within the bank's credit cost guidance of less than 0.6%, with underlying credit cost at 0.18%.
- Guided ROA to stay above 1 for the year, with Q2 ROA at 1.26% and Q3/Q4 also expected above 1, though full-year guidance is 'near to one'.
- Said credit-deposit ratio is targeted in the 84-86% range domestically, with overseas book CD ratio above 100%, but FCNR inflows and 133% LCR are helping moderate it; growth of 16% deposits vs 18% advances is being managed via stored liquidity.
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