Bank of Baroda (BoB) has declared another quarter of loss with the new management providing higher provisioning for AS-15 employees' pension liability as well as for the stressed loan and UDAY bonds. The Bank has decided to shift the employees' pension on new mortality table of LIC 2006-08 from LIC 1994-96, which resulted in higher provisioning to the tune of Rs15.7bn in 4QFY16. However, fresh slippages normalized to Rs59.3bn with slippage ratio of 6.2% as guided by the Management v/s Rs157.9bn slippage ratio of 15.2% in 3QFY16 and Rs278.3bn slippage ratio of 6.5% in FY16. The Bank has also hiked provisioning converge ratio, including...