Nifty

11844.10

Sensex

39434.72

187.05(1.60%)
623.33(1.61%)

Nifty
Sensex

:
:

11844.10
39434.72

187.05(1.60%)
623.33(1.61%)

Bank Of Baroda

Bank - Public

Rating :

67/99 (View)

BSE: 532134 | NSE: BANKBARODA

Watchlist

NSE BSE

137.35

9.80 (7.68%)

24-May-2019 | 3:59PM

Day's Open
Day's High
Day's Low
Previous Close

129.40
138.40
128.65
127.55

Volume
Traded Value (lacs)
52 Week High
52 Week Low

55810944
76656.33
157.50
91.00

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

49,045.77
113.13
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

89,870.60
N/A
1.05

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

10 Years
5 Years
3 Years

11.72
5.34
6.81

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
-
-4.18

PAT CAGR (%)

10 Years
5 Years
3 Years

-
-
-23.33

P:E (Median)

8 Years
5 Years
3 Years

6.24
7.97
-

P:BV (Average)

8 Years
5 Years
3 Years

0.98
0.94
0.91

EV:EBITDA (Average)

8 Years
5 Years
3 Years

6.26
6.26
5.24

Quarterly Results

Standalone Figures in Rs. Crores

Description Mar 19 Mar 18 Var% Dec 18 Dec 17 Var% Sep 18 Sep 17 Var% Jun 18 Jun 17 Var%
Interest Earned 13,314.18 11,039.26 20.61% 12,941.71 11,303.24 14.50% 12,078.34 10,753.33 12.32% 11,639.88 10,552.71 10.30%
Interest Exp. 8,247.22 7,037.00 17.20% 8,198.48 6,909.21 18.66% 7,585.80 7,032.80 7.86% 7,258.80 7,147.76 1.55%
Net Interest Income 5,066.96 4,002.26 26.60% 4,743.23 4,394.03 7.95% 4,492.54 3,720.53 20.75% 4,381.08 3,404.95 28.67%
NIM 0.00 2.81 -100.00% 2.69 2.77 -2.89% 2.61 2.34 11.54% 2.65 2.51 5.58%
Other Income 1,970.41 1,695.90 16.19% 1,621.14 1,673.04 -3.10% 1,351.61 1,737.06 -22.19% 1,147.83 1,551.15 -26.00%
Total Income 15,284.59 12,735.16 20.02% 14,562.85 12,976.28 12.23% 13,429.95 12,490.39 7.52% 12,787.71 12,103.86 5.65%
Operating Exp. 3,176.58 3,032.67 4.75% 2,825.84 2,416.96 16.92% 2,762.24 2,415.75 14.34% 2,523.32 2,307.99 9.33%
Operating Profit 3,860.79 2,665.49 44.84% 3,538.53 3,650.11 -3.06% 3,081.91 3,041.84 1.32% 3,005.59 2,648.11 13.50%
Provision 5,399.29 6,672.38 -19.08% 2,794.20 3,426.51 -18.45% 2,429.54 2,329.35 4.30% 2,165.64 2,368.05 -8.55%
PBT -1,538.50 -4,006.89 - 744.33 223.60 232.88% 652.37 712.49 -8.44% 839.95 280.06 199.92%
PBTM -11.56 -36.30 - 5.75 1.98 190.40% 5.40 6.63 -18.55% 7.22 2.65 172.45%
TAX -547.13 -904.55 - 273.08 111.82 144.21% 226.99 357.13 -36.44% 311.69 76.67 306.53%
PAT -991.37 -3,102.34 - 471.25 111.78 321.59% 425.38 355.36 19.70% 528.26 203.39 159.73%
PATM -7.45% -28.10% 3.64% 0.99% 3.52% 3.30% 4.54% 1.93%
EPS -3.74 -11.70 - 1.78 0.48 270.83% 1.60 1.54 3.90% 1.99 0.88 126.14%
Gross NPA 48,232.77 56,480.39 -14.60% 53,184.28 48,480.44 9.70% 55,121.37 46,306.83 19.04% 55,874.81 46,172.77 21.01%
Gross NPA% 9.61 12.26 -21.62% 11.01 11.31 -2.65% 11.78 11.16 5.56% 12.46 11.40 9.30%
Net NPA 15,609.50 23,482.65 -33.53% 19,130.50 19,852.15 -3.64% 21,059.22 19,572.62 7.60% 22,384.10 19,519.31 14.68%
Net NPA% 3.33 5.49 -39.34% 4.26 4.97 -14.29% 4.86 5.05 -3.76% 5.40 5.17 4.45%
CASA 0.00 41.18 -100.00% 39.98 40.57 -1.45% 40.48 39.22 3.21% 40.82 37.70 8.28%

Description Dec 18 Dec 17 Var% Sep 18 Sep 17 Var% Jun 18 Jun 17 Var% Mar 18 Mar 17 Var%
Interest Earned 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Interest Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NIM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Profit 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Provision 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBTM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TAX 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CASA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Description TTM Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Net Interest Income 18,683.81 15,521.77 13,513.41 12,739.85 13,187.24 11,965.35 11,315.26 10,317.01 8,802.26 5,939.48 5,123.41 Interest Earned 49,974.11 43,648.54 42,199.93 44,061.28 42,963.56 38,939.71 35,196.65 29,673.72 21,885.92 16,698.34 15,091.58 Interest Expended 31,290.30 28,126.77 28,686.52 31,321.43 29,776.32 26,974.36 23,881.39 19,356.71 13,083.66 10,758.86 9,968.17 Int. income Growth 20.37% 14.86% 6.07% -3.39% 10.21% 5.75% 9.68% 17.21% 48.20% 15.93% Other Income 6,090.99 6,657.15 6,758.06 4,998.86 4,401.99 4,462.74 3,630.62 3,422.33 2,809.19 2,806.36 2,757.66 Total Income 56,065.10 22,178.92 20,271.47 17,738.71 17,589.23 16,428.09 14,945.88 13,739.34 11,611.45 8,745.84 7,881.07 Total Expenditure 11,287.98 24,106.59 17,287.42 23,935.45 11,828.24 10,585.75 9,814.02 7,436.98 5,718.08 4,276.92 4,307.62 Employee Cost - 4,606.87 4,637.77 4,978.03 4,261.35 4,139.72 3,449.65 2,985.58 2,916.78 2,350.88 2,348.13 % Of Sales - 10.55% 10.99% 11.30% 9.92% 10.63% 9.80% 10.06% 13.33% 14.08% 15.56% Opt. & Establishment Exp. - 6,429.58 5,169.98 4,446.44 3,753.17 3,342.38 2,797.73 2,449.71 1,956.09 1,690.56 1,458.43 % Of Sales - 14.73% 12.25% 10.09% 8.74% 8.58% 7.95% 8.26% 8.94% 10.12% 9.66% Provisions - 14,796.30 8,502.37 15,513.64 4,494.50 3,793.71 4,167.92 2,554.83 1,331.29 697.20 962.06 % Of Sales - 33.90% 20.15% 35.21% 10.46% 9.74% 11.84% 8.61% 6.08% 4.18% 6.37% EBITDA 13,486.82 -1,927.67 2,984.05 -6,196.74 5,760.99 5,842.34 5,131.86 6,302.36 5,893.37 4,468.92 3,573.45 EBITDA Margin 77.41% -12.42% 22.08% -48.64% 43.69% 48.83% 45.35% 61.09% 66.95% 75.24% 69.75% Depreciation 0.00 863.08 511.35 501.33 340.39 345.03 300.64 276.57 243.04 230.86 230.50 PBT 698.15 -2,790.74 2,472.70 -6,698.07 5,420.61 5,497.31 4,831.23 6,025.80 5,650.32 4,238.06 3,342.94 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 264.63 -358.93 1,089.56 -1,302.53 2,022.17 956.23 350.51 1,018.84 1,408.64 1,179.73 1,115.74 Tax Rate 37.90% 12.86% 44.06% 19.45% 37.31% 17.39% 7.26% 16.91% 24.93% 27.84% 33.38% PAT 433.52 -2,431.81 1,383.14 -5,395.54 3,398.44 4,541.08 4,480.72 5,006.96 4,241.68 3,058.33 2,227.20 PAT before Minority Interest 433.52 -2,431.81 1,383.14 -5,395.54 3,398.44 4,541.08 4,480.72 5,006.96 4,241.68 3,058.33 2,227.20 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 1.75% -10.96% 6.82% -30.42% 19.32% 27.64% 29.98% 36.44% 36.53% 34.97% 28.26% PAT Growth -117.83% -275.82% 0 -258.77% -25.16% 1.35% -10.51% 18.04% 38.69% 37.32% Unadjusted EPS 1.63 -10.53 6.00 -23.89 15.83 107.38 108.84 127.84 116.37 83.96 61.14

Description TTM Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Net Interest Income - 16,895.94 14,877.72 13,691.55 14,368.36 12,858.46 11,955.65 10,764.15 9,163.71 6,211.48 5,380.21 Interest Earned - 46,056.42 44,473.45 45,798.99 44,914.97 40,462.89 36,442.06 30,488.49 22,513.31 17,234.82 15,547.56 Interest Expended - 29,160.48 29,595.73 32,107.44 30,546.61 27,604.43 24,486.41 19,724.34 13,349.60 11,023.34 10,167.35 Int. income Growth - 13.57% 8.66% -4.71% 11.74% 7.55% 11.07% 17.46% 47.53% 15.45% Other Income - 7,992.21 7,936.78 5,992.18 5,449.27 5,555.15 4,510.62 4,100.42 3,287.10 2,965.30 2,845.36 Total Income - 24,888.15 22,814.50 19,683.73 19,817.63 18,413.61 16,466.27 14,864.57 12,450.81 9,176.78 8,225.57 Total Expenditure - 26,093.14 19,250.19 25,391.28 13,466.13 12,049.12 10,949.95 8,265.83 6,295.22 4,549.32 4,491.07 Employee Cost - 4,901.58 4,888.66 5,201.05 4,476.97 4,334.61 3,615.95 3,117.27 3,018.46 2,426.34 2,408.86 % Of Sales - 10.64% 10.99% 11.36% 9.97% 10.71% 9.92% 10.22% 13.41% 14.08% 15.49% Opt. & Establishment Exp. - 7,325.70 6,001.11 5,286.48 4,495.70 3,625.79 3,012.11 2,632.74 2,091.28 1,796.83 1,542.51 % Of Sales - 15.91% 13.49% 11.54% 10.01% 8.96% 8.27% 8.64% 9.29% 10.43% 9.92% Provisions - 15,667.24 9,440.36 15,953.97 5,229.98 4,824.94 4,965.29 3,104.76 1,703.80 809.29 1,017.72 % Of Sales - 34.02% 21.23% 34.83% 11.64% 11.92% 13.63% 10.18% 7.57% 4.70% 6.55% EBITDA - -1,204.99 3,564.31 -5,707.55 6,351.50 6,364.49 5,516.32 6,598.74 6,155.59 4,627.46 3,734.50 EBITDA Margin - -7.13% 23.96% -41.69% 44.20% 49.50% 46.14% 61.30% 67.17% 74.50% 69.41% Depreciation - 900.69 539.97 525.11 368.26 368.11 321.70 294.47 259.16 241.57 239.01 PBT - -2,105.68 3,024.34 -6,232.67 5,983.23 5,996.39 5,194.62 6,304.27 5,896.42 4,385.88 3,495.50 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax - -193.62 1,246.93 -1,179.58 2,150.54 1,065.15 444.14 1,087.98 1,477.22 1,236.09 1,164.23 Tax Rate - 9.20% 41.23% 18.93% 35.94% 17.76% 8.55% 17.26% 25.05% 28.18% 33.31% PAT - -1,963.35 1,737.41 -5,087.78 3,793.99 4,895.56 4,725.69 5,195.45 4,398.99 3,136.65 2,320.43 PAT before Minority Interest - -1,912.06 1,777.41 -5,053.09 3,832.69 4,931.24 4,750.48 5,216.29 4,419.20 3,149.79 2,331.27 Minority Interest - -51.29 -40.00 -34.69 -38.70 -35.68 -24.79 -20.84 -20.21 -13.14 -10.84 PAT Margin - -7.89% 7.62% -25.85% 19.14% 26.59% 28.70% 34.95% 35.33% 34.18% 28.21% PAT Growth - -213.00% 0 -234.10% -22.50% 3.59% -9.04% 18.11% 40.24% 35.18% Unadjusted EPS - -8.17 7.88 -22.44 18.22 118.25 116.70 134.01 121.64 87.28 65.45

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Shareholder's Funds 43,394.77 40,303.25 40,198.99 39,835.35 35,985.68 31,969.44 27,476.85 21,043.53 15,106.38 12,879.72 Share Capital 530.36 462.09 462.09 443.56 430.68 422.52 412.38 392.81 365.53 365.53 Total Reserves 42,864.41 39,841.16 39,736.89 39,391.79 35,555.00 31,546.92 27,064.47 20,650.73 14,740.85 12,514.20 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 591,314.82 601,675.17 574,037.87 617,559.52 568,894.39 473,883.34 384,871.11 305,439.48 241,261.93 192,396.95 Borrowings 62,571.97 30,611.44 33,471.70 35,264.28 36,812.97 26,579.28 23,573.05 22,307.85 13,350.08 12,767.91 Other Liabilities & Provisions 22,718.21 22,285.56 23,667.92 22,329.40 17,811.50 14,703.38 11,400.46 9,606.31 8,598.31 8,627.66 Total Liabilities 719,999.77 694,875.42 671,376.48 714,988.55 659,504.54 547,135.44 447,321.47 358,397.17 278,316.70 226,672.24 Net Block 5,367.39 5,758.37 6,253.78 2,874.85 2,734.12 2,453.12 2,341.50 2,299.72 2,284.76 2,309.72 Gross Block 11,401.63 10,955.25 10,494.77 6,541.49 6,058.07 5,380.97 4,921.59 4,562.12 4,266.60 3,968.09 Accumulated Depreciation 6,034.24 5,196.88 4,240.99 3,666.64 3,323.95 2,927.85 2,580.09 2,262.40 1,981.84 1,658.37 Total Non-Current Assets 688,881.13 669,118.04 644,374.83 696,105.38 646,730.50 537,431.51 437,096.73 352,306.74 273,969.49 222,094.12 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 22,699.64 22,780.21 21,672.42 22,488.60 18,629.09 13,452.08 21,651.46 19,868.18 13,539.97 10,596.34 Balance with banks and money at call 70,197.74 127,689.70 112,227.93 125,864.55 112,248.82 71,946.83 42,517.08 30,065.89 21,927.09 13,490.77 Investments 163,184.53 129,630.54 120,450.52 116,812.24 116,112.66 121,393.72 83,209.40 71,396.59 61,182.38 52,445.88 Advances 427,431.83 383,259.22 383,770.18 428,065.14 397,005.81 328,185.76 287,377.29 228,676.36 175,035.29 143,251.41 Other Assets 31,118.64 25,757.37 27,001.65 18,883.17 12,774.03 9,703.93 10,224.73 6,090.44 4,347.22 4,578.12 Total Assets 719,999.77 694,875.41 671,376.48 714,988.55 659,504.53 547,135.44 447,321.46 358,397.18 278,316.71 226,672.24 Contingent Liabilities 298,226.66 252,518.96 228,977.16 246,384.72 259,912.78 204,628.92 152,502.81 127,163.87 87,836.08 73,386.10 Bills for collection 45,779.69 37,599.42 32,343.74 37,608.06 31,864.92 25,952.24 22,766.99 18,844.72 18,185.58 13,963.99 Adjusted Book Value 164.03 174.91 156.55 175.66 171.30 157.45 138.72 111.48 86.27 73.15

Description Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Shareholder's Funds 46,566.23 43,067.57 42,503.16 42,017.65 37,846.82 33,281.77 28,516.30 21,826.57 15,714.59 13,324.70 Share Capital 530.36 462.09 462.09 443.56 430.68 422.52 412.38 392.81 365.53 365.53 Total Reserves 46,035.87 42,605.48 42,041.07 41,574.09 37,416.15 32,859.25 28,103.92 21,433.76 15,349.06 12,959.17 Minority Interest 272.52 232.53 193.69 186.72 158.41 110.05 91.18 72.91 59.42 46.43 Deposits 607,451.36 617,256.87 586,690.47 629,981.25 579,997.06 482,638.89 392,615.95 311,603.25 245,951.15 196,608.44 Borrowings 64,859.82 31,242.00 33,845.23 35,501.52 36,976.30 26,552.94 23,598.06 22,378.33 13,404.27 12,776.67 Other Liabilities & Provisions 28,654.98 27,421.54 27,946.53 26,290.24 21,135.52 16,804.67 12,590.52 10,332.71 9,147.34 8,820.48 Total Liabilities 747,804.91 719,220.51 691,179.08 733,977.38 676,114.11 559,388.32 457,412.01 366,213.77 284,276.77 231,576.72 Net Block 5,532.28 5,929.68 6,359.17 2,978.41 2,849.30 2,550.43 2,428.19 2,383.20 2,369.39 2,559.63 Gross Block 11,787.72 11,318.39 10,768.08 6,796.35 6,309.81 5,590.21 5,096.79 4,716.57 4,412.31 4,268.90 Accumulated Depreciation 6,255.44 5,388.71 4,408.91 3,817.94 3,460.51 3,039.78 2,668.60 2,333.37 2,042.92 1,709.27 Total Non-Current Assets 716,033.52 693,023.40 663,738.27 714,764.05 663,033.20 549,494.74 447,012.67 360,046.46 279,814.04 226,948.33 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 24,034.99 23,915.13 22,810.75 23,556.94 19,444.73 14,151.18 22,268.34 20,394.42 14,076.07 10,901.21 Balance with banks and money at call 73,387.76 130,199.86 114,188.30 128,074.25 114,910.94 73,550.88 43,542.00 31,029.31 22,493.41 14,301.41 Investments 175,137.23 140,716.43 128,894.06 124,738.96 122,112.86 125,617.05 86,697.00 74,154.42 63,163.27 53,626.58 Advances 437,941.26 392,262.30 391,485.99 435,415.49 403,715.37 333,625.20 292,077.14 232,085.11 177,711.90 145,559.50 Other Assets 31,771.40 26,197.11 27,440.81 19,213.32 13,080.90 9,893.59 10,399.33 6,167.31 4,462.73 4,628.39 Total Assets 747,804.92 719,220.51 691,179.08 733,977.37 676,114.10 559,388.33 457,412.00 366,213.77 284,276.77 231,576.72 Contingent Liabilities 299,023.38 253,394.60 229,806.96 247,332.37 260,865.11 205,377.49 153,154.99 127,562.36 88,221.17 73,730.71 Bills for collection 45,859.44 37,680.81 32,442.12 37,721.10 31,995.80 26,021.10 22,862.48 18,986.68 18,267.18 14,047.39 Adjusted Book Value 176.01 186.91 166.50 185.43 171.30 157.45 138.72 111.48 86.27 73.15

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Cash From Operating Activity -61,087.84 17,193.86 -9,841.66 18,021.05 41,016.38 22,793.08 14,406.50 11,778.81 11,252.45 1,125.47 PBT -2,790.74 2,472.70 -6,698.07 5,420.61 5,497.31 4,831.23 6,025.80 5,650.32 4,238.06 3,342.94 Adjustment 16,643.79 10,014.99 17,141.67 5,952.12 5,099.40 5,361.31 3,719.36 2,392.20 1,458.14 1,629.35 Adjustments for Liabilities & Assets -76,150.26 3,292.66 -21,782.55 9,399.93 32,827.47 14,332.46 6,357.02 5,167.73 7,060.13 -2,524.21 Refund/(Payment) of direct taxes 1,209.38 1,413.52 1,497.29 -2,751.61 -2,407.80 -1,731.92 -1,695.67 -1,431.44 -1,503.88 -1,322.62 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -563.35 -426.04 -3,995.41 -539.37 -688.70 -772.45 -337.38 -489.76 -335.01 -238.93 Net Fixed Assets -446.38 -460.48 -3953.28 -483.42 -677.10 -459.38 -359.47 -295.52 -298.51 -166.99 Other Investment Activity -11827.67 -14950.66 -11034.14 -7230.19 -6830.52 -5718.35 -5411.35 -4897.13 -4505.53 -4203.22 Cash from Financing Activity 4,078.65 -198.26 -615.73 -6.44 5,151.34 -790.27 165.35 3,177.96 462.51 901.29 Closing Cash & Equivalent 92,897.38 150,469.91 133,900.35 148,353.15 130,877.91 85,398.90 64,168.54 49,934.07 35,467.06 24,087.12 Net Cash Inflow / Outflow -57,572.53 16,569.56 -14,452.80 17,475.24 45,479.01 21,230.36 14,234.47 14,467.01 11,379.94 1,787.83 Opening Cash & Equivalents 150,469.91 133,900.35 148,353.15 130,877.91 85,398.90 64,168.54 49,934.07 35,467.06 24,087.12 22,299.29

Description Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Cash From Operating Activity -59,691.70 17,864.83 -10,011.31 17,838.31 42,232.62 23,196.14 14,637.39 12,034.11 11,141.54 1,278.73 PBT -2,080.72 3,061.91 -6,247.27 6,062.27 6,065.87 5,248.37 6,336.04 5,910.93 4,415.39 3,548.31 Adjustment 17,665.65 11,033.10 17,651.19 6,752.44 6,194.38 6,218.49 4,314.32 2,809.80 1,582.25 1,692.90 Adjustments for Liabilities & Assets -76,236.90 2,521.18 -22,785.97 7,909.25 32,485.61 13,556.99 5,761.51 4,802.44 6,698.59 -2,584.58 Refund/(Payment) of direct taxes 960.28 1,248.65 1,370.74 -2,885.65 -2,513.24 -1,827.71 -1,774.48 -1,489.05 -1,554.69 -1,377.90 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -413.63 -550.62 -4,005.10 -556.34 -730.36 -514.16 -416.12 -348.94 -294.39 -147.52 Net Fixed Assets -446.38 -460.48 -3953.28 -483.42 -677.10 -459.38 -359.47 -295.52 -298.51 -166.99 Other Investment Activity -11952.25 -14960.35 -11051.11 -7271.85 -6572.23 -5797.09 -5270.53 -4856.51 -4414.12 -4211.75 Cash from Financing Activity 3,413.08 -198.26 -615.73 -6.44 5,151.34 -790.27 165.35 3,169.08 519.71 901.29 Closing Cash & Equivalent 97,422.75 154,115.00 136,999.05 151,631.19 134,355.67 87,702.07 65,810.35 51,423.73 36,569.48 25,202.62 Net Cash Inflow / Outflow -56,692.25 17,115.95 -14,632.14 17,275.52 46,653.60 21,891.72 14,386.62 14,854.25 11,366.86 2,032.51 Opening Cash & Equivalents 154,115.00 136,999.05 151,631.19 134,355.67 87,702.07 65,810.35 51,423.73 36,569.48 25,202.62 23,170.11

Financial Ratios

Consolidated /

Standalone

Description Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Book Value 164.03 174.91 156.55 175.66 162.69 146.53 127.95 101.14 82.93 70.71 NIM 2.27 2.04 2.00 1.90 1.86 2.12 2.37 2.51 2.19 2.33 Yield on Advances 10.21 11.01 11.48 10.04 9.81 10.72 10.33 9.57 9.54 10.54 Yield on Investments 7.54 10.19 9.84 8.94 8.13 6.67 8.16 7.31 7.16 8.03 Cost of Liabilities 4.30 4.54 5.16 4.56 4.45 4.77 4.74 3.99 4.23 4.86 Interest Spread 5.91 6.47 6.33 5.48 5.35 5.95 5.59 5.58 5.31 5.68 ROCE -0.76% 6.05% -6.15% 10.27% 11.04% 11.44% 16.13% 19.14% 18.91% 20.30% Cost Income Ratio 45.87 45.86 50.30 43.63 43.44 39.79 37.55 39.87 43.57 45.38 Core Cost Income Ratio 50.11 52.66 53.88 46.28 45.50 41.50 39.28 41.46 47.50 51.23 Operating Costs to Assets 1.41 1.34 1.33 1.07 1.08 1.09 1.15 1.29 1.37 1.58 Loans/Deposits 0.11 0.05 0.06 0.06 0.06 0.06 0.06 0.07 0.06 0.07 Cash/Deposits 0.04 0.04 0.04 0.04 0.03 0.03 0.06 0.07 0.06 0.06 Investment/Deposits 0.28 0.22 0.21 0.19 0.20 0.26 0.22 0.23 0.25 0.27 Inc Loan/Deposits 10.58% 5.09% 5.83% 5.71% 6.47% 5.61% 6.12% 7.30% 5.53% 6.64% Credit Deposits 72.28% 63.70% 66.85% 69.32% 69.79% 69.25% 74.67% 74.87% 72.55% 74.46% Interest Expended / Interest earned 64.44% 67.98% 71.09% 69.31% 69.27% 67.85% 65.23% 59.78% 64.43% 66.05% Interest income / Total funds 6.06% 6.07% 6.56% 6.01% 5.90% 6.43% 6.63% 6.11% 6.00% 6.66% Interest Expended / Total funds 3.91% 4.13% 4.67% 4.16% 4.09% 4.36% 4.33% 3.65% 3.87% 4.40% CASA 35.81% 32.16% 26.36% 26.39% 25.75% 25.32% 26.90% 28.68% 29.62% 29.59%

Description Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Book Value 176.01 186.91 166.50 185.43 171.30 157.45 138.72 111.48 86.27 73.15 NIM 2.38 2.17 2.08 2.02 1.95 2.19 2.42 2.56 2.24 2.40 Yield on Advances 10.52 11.34 11.70 10.32 10.02 10.92 10.44 9.70 9.70 10.68 Yield on Investments 7.69 10.20 9.72 9.11 8.23 6.78 8.13 7.39 7.24 8.05 Cost of Liabilities 4.34 4.56 5.17 4.59 4.47 4.81 4.74 4.00 4.25 4.86 Interest Spread 6.18 6.77 6.52 5.73 5.55 6.11 5.70 5.70 5.45 5.83 ROCE 0.20% 6.62% -5.34% 10.69% 11.49% 11.82% 16.37% 19.32% 19.02% 20.55% Cost Income Ratio 45.51 45.37 50.61 43.42 41.23 38.30 36.70 38.96 43.39 45.13 Core Cost Income Ratio 49.26 51.33 53.87 45.81 42.99 39.84 38.27 40.51 47.14 50.68 Operating Costs to Assets 1.51 1.44 1.44 1.17 1.12 1.13 1.19 1.32 1.40 1.60 Loans/Deposits 0.11 0.05 0.06 0.06 0.06 0.06 0.06 0.07 0.05 0.06 Cash/Deposits 0.04 0.04 0.04 0.04 0.03 0.03 0.06 0.07 0.06 0.06 Investment/Deposits 0.29 0.23 0.22 0.20 0.21 0.26 0.22 0.24 0.26 0.27 Inc Loan/Deposits 10.68% 5.06% 5.77% 5.64% 6.38% 5.50% 6.01% 7.18% 5.45% 6.50% Credit Deposits 72.09% 63.55% 66.73% 69.12% 69.61% 69.13% 74.39% 74.48% 72.25% 74.04% Interest Expended / Interest earned 63.31% 66.55% 70.11% 68.01% 68.22% 67.19% 64.69% 59.30% 63.96% 65.40% Interest income / Total funds 6.16% 6.18% 6.63% 6.12% 5.98% 6.51% 6.67% 6.15% 6.06% 6.71% Interest Expended / Total funds 3.90% 4.11% 4.65% 4.16% 4.08% 4.38% 4.31% 3.65% 3.88% 4.39% CASA 35.63% 32.09% 26.42% 26.43% 25.83% 25.46% 26.98% 28.82% 29.82% 29.98%

Annual Reports:

News Update

Bank of Baroda gets nod to raise funds up to Rs 19,400 crore
23rd May 2019, 10:37 AM

The Board of Directors of the Bank in its meeting held on May 22, 2019 approved the same
Read More
Bank of Baroda’s net loss narrows to Rs 991 crore in Q4
23rd May 2019, 09:56 AM

Total income of the Bank increased by 20.02% at Rs 15,284.59 crore for the quarter under review
Read More
Bank of Baroda looking to rationalise 800-900 branches
20th May 2019, 11:20 AM

The bank needs to expand in eastern part of country as it has strong presence in South, West and northern part of the country
Read More
Bank of Baroda to raise Rs 5,042 crore via preferential basis to Govt
25th Apr 2019, 16:29 PM

The Board of Directors of the company at its meeting held on April 25, 2019 has approved the same
Read More
Bank of Baroda’s board to consider issuance of equity shares of Rs 5,042 crore to Govt
22nd Apr 2019, 11:39 AM

The meeting of the Board of Directors of the Bank is scheduled to be held on April 25, 2019, to consider the same
Read More
Bank of Baroda joins hands with Srei Equipment Finance
20th Apr 2019, 10:44 AM

Iquippo, a non profit started by Srei's promoters, will facilitate sourcing of loans
Read More
Bank of Baroda to complete integration of Dena Bank, Vijaya Bank with itself in two years
15th Apr 2019, 09:25 AM

The process has been designed to ensure that there is minimum disruption of the customers during the transition period
Read More
Bank of Baroda issues US Denominated Senior Unsecured Notes
4th Apr 2019, 14:20 PM

The bank is issuing Senior Unsecured Notes amounting to $800,000,000.00
Read More
Bank of Baroda becomes third largest lender after merger of Dena Bank, Vijaya Bank with itself
1st Apr 2019, 11:08 AM

The bank will have a business mix of Rs 15 lakh crore of balance sheet, with deposits and advances of Rs 8.75 lakh crore and Rs 6.25 lakh crore, respectively
Read More
Bank of Baroda to get Rs 5,042 crore capital infusion from govt
28th Mar 2019, 11:01 AM

Ministry of Finance, Government of India vide its notification dated March 28, 2019 has conveyed its decision to infuse capital in bank
Read More
Bank of Baroda to develop agri-digital platform
27th Mar 2019, 10:40 AM

The agri-digital platform will be executed by ITCoE of Bank of Baroda in partnership with IBM India
Read More
RBI slaps penalty of Rs 40 million on Bank of Baroda
6th Mar 2019, 10:16 AM

The penalty is due to non-compliance of RBI directives for time bound implementation and strengthening of SWIFT related operational controls
Read More
Bank of Baroda planning to sell NPAs worth Rs 6,000 crore
1st Mar 2019, 15:24 PM

The bank has identified loans to 49 companies, including two power firms run by GVK around Rs 357 crore and GMR Chhattisgarh Energy around Rs 218 crore
Read More
Bank of Baroda ties up with KfW to fund solar projects
25th Feb 2019, 09:32 AM

This proposal constitutes part of the overarching Indo-German Solar Energy Partnership
Read More
RBI imposes monetary penalty of 10 million on Bank of Baroda
14th Feb 2019, 10:02 AM

This action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with their customers
Read More

Bank Of Baroda

Bank - Public

BSE: 532134 | NSE: BANKBARODA

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Annual Reports:

News Update