: Amid mounting bad debts for public sector banks, Bank of Baroda on Saturday reported a net loss of Rs 3,342.04 crore for the third quarter - biggest-ever quarterly loss for any lender in the country.The bank had recorded a standalone net profit of Rs 333.98 crore in the same quarter of the last fiscal.Bank of Baroda said total income declined to Rs 11,726.95 crore in the quarter ended December 31, from Rs 11,808.34 crore in the year-ago period.Gross NPA ratio rose to 9.68 per cent from 3.85 per cent in the year-ago quarter, while net NPA ratio soared to 5.67 per cent from 2.11 per cent.Gross NPAs more than doubled to Rs 38,934 crore from Rs 15,452 crore in the year-ago period. This led to a surge in provisioning, which shaved off the bottom-line.The overall provisions and contingencies stood at Rs 6,164.55 crore as against Rs 1,262.25 crore a year ago. A tax write-back of Rs 1,118.37 crore proved to be a big help in limiting the losses.All the lenders in the system have been reporting massive setbacks due to asset-quality review undertaken by the Reserve Bank of India to clean-up balance-sheets in a way that they reflect the true picture.