Nifty

11914.40

Sensex

40359.41

-54.00(-0.45%)
-215.76(-0.53%)

Nifty
Sensex

:
:

11914.40
40359.41

-54.00(-0.45%)
-215.76(-0.53%)

Bank Of Baroda

Bank - Public

Rating :

65/99 (View)

BSE: 532134 | NSE: BANKBARODA

Watchlist

NSE BSE

99.10

0.50 (0.51%)

22-Nov-2019 | 3:59PM

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

99.00
99.80
98.40
98.60

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

19122025
18949.93
144.00
85.65

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

39,135.33
42.24
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

79,777.52
N/A
0.60

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

12.14
7.22
11.40

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
-
4.70

PAT CAGR (%)

10 Years
5 Years
3 Years

-17.75
-33.76
-32.07

P:E (Median)

8 Years
5 Years
3 Years

6.25
9.61
25.79

P:BV (Average)

8 Years
5 Years
3 Years

0.93
0.91
0.87

EV:EBITDA (Average)

8 Years
5 Years
3 Years

6.16
6.03
5.01

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Sep 19 Sep 18 Var% Jun 19 Jun 18 Var% Mar 19 Mar 18 Var% Dec 18 Dec 17 Var%
Interest Earned 19,273.97 12,078.34 59.57% 18,945.33 11,639.88 62.76% 13,314.18 11,039.26 20.61% 12,941.71 11,303.24 14.50%
Interest Exp. 12,246.04 7,585.80 61.43% 12,447.21 7,258.80 71.48% 8,247.22 7,037.00 17.20% 8,198.48 6,909.21 18.66%
Net Interest Income 7,027.93 4,492.54 56.44% 6,498.12 4,381.08 48.32% 5,066.96 4,002.26 26.60% 4,743.23 4,394.03 7.95%
NIM 2.81 2.61 7.66% 2.62 2.65 -1.13% 3.12 2.81 11.03% 2.69 2.77 -2.89%
Other Income 2,823.94 1,351.61 108.93% 1,915.57 1,147.83 66.89% 1,970.41 1,695.90 16.19% 1,621.14 1,673.04 -3.10%
Total Income 22,097.91 13,429.95 64.54% 20,860.90 12,787.71 63.13% 15,284.59 12,735.16 20.02% 14,562.85 12,976.28 12.23%
Operating Exp. 4,515.95 2,762.24 63.49% 4,137.46 2,523.32 63.97% 3,176.58 3,032.67 4.75% 2,825.84 2,416.96 16.92%
Operating Profit 5,335.92 3,081.91 73.14% 4,276.23 3,005.59 42.28% 3,860.79 2,665.49 44.84% 3,538.53 3,650.11 -3.06%
Provision 4,209.16 2,429.54 73.25% 3,284.88 2,165.64 51.68% 5,399.29 6,672.38 -19.08% 2,794.20 3,426.51 -18.45%
PBT 1,126.76 652.37 72.72% 991.35 839.95 18.02% -1,538.50 -4,006.89 - 744.33 223.60 232.88%
PBTM 5.85 5.40 8.33% 5.23 7.22 -27.56% -11.56 -36.30 - 5.75 1.98 190.40%
TAX 390.08 226.99 71.85% 281.48 311.69 -9.69% -547.13 -904.55 - 273.08 111.82 144.21%
PAT 736.68 425.38 73.18% 709.87 528.26 34.38% -991.37 -3,102.34 - 471.25 111.78 321.59%
PATM 3.82% 3.52% 3.75% 4.54% -7.45% -28.10% 3.64% 0.99%
EPS 1.91 1.60 19.38% 1.84 1.99 -7.54% -3.74 -11.70 - 1.78 0.48 270.83%
Gross NPA 69,968.95 55,121.37 26.94% 69,713.95 55,874.81 24.77% 48,232.77 56,480.39 -14.60% 53,184.28 48,480.44 9.70%
Gross NPA% 10.25 11.78 -12.99% 10.28 12.46 -17.50% 9.61 12.26 -21.62% 11.01 11.31 -2.65%
Net NPA 24,894.38 21,059.22 18.21% 25,030.29 22,384.10 11.82% 15,609.50 23,482.65 -33.53% 19,130.50 19,852.15 -3.64%
Net NPA% 3.91 4.86 -19.55% 3.95 5.40 -26.85% 3.33 5.49 -39.34% 4.26 4.97 -14.29%
CASA 37.88 40.48 -6.42% 36.55 37.21 -1.77% 40.23 41.18 -2.31% 39.98 40.57 -1.45%

Description Sep 19 Sep 18 Var% Jun 19 Jun 18 Var% Mar 19 Mar 18 Var% Dec 18 Dec 17 Var%
Interest Earned 20,076.68 0.00 0.00 19,723.31 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest Exp. 12,610.54 0.00 0.00 12,795.78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Interest Income 7,466.14 0.00 0.00 6,927.53 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 3,227.89 0.00 0.00 2,333.64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Income 23,304.57 0.00 0.00 22,056.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Exp. 5,071.51 0.00 0.00 4,867.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Profit 5,622.52 0.00 0.00 4,393.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Provision 4,322.22 0.00 0.00 3,216.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBT 1,300.30 0.00 0.00 1,177.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBTM 6.48 0.00 0.00 5.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TAX 446.48 0.00 0.00 350.99 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT 853.82 0.00 0.00 826.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PATM 4.25% 0.00% 4.19% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 2.21 0.00 0.00 2.16 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 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Net Interest Income 23,336.24 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 Interest Earned 64,475.19 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 Interest Expended 41,138.95 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 Int. income Growth 35.13% 20.37% 14.86% 6.07% -3.39% 10.21% 5.75% 9.68% 17.21% 48.20% Other Income 8,331.06 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 Total Income 72,806.25 24,774.80 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 Total Expenditure 14,655.83 23,166.27 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 Employee Cost - 5,039.13 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 % Of Sales - 10.08% 10.55% 10.99% 11.30% 9.92% 10.63% 9.80% 10.06% 13.33% 14.08% Opt. & Establishment Exp. - 7,159.23 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 % Of Sales - 14.33% 14.73% 12.25% 10.09% 8.74% 8.58% 7.95% 8.26% 8.94% 10.12% Provisions - 12,788.67 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 % Of Sales - 25.59% 33.90% 20.15% 35.21% 10.46% 9.74% 11.84% 8.61% 6.08% 4.18% EBITDA 17,011.47 1,608.53 -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 EBITDA Margin 77.27% 8.61% -12.42% 22.08% -48.64% 43.69% 48.83% 45.35% 61.09% 66.95% 75.24% Depreciation 0.00 910.38 863.08 511.35 501.33 340.39 345.03 300.64 276.57 243.04 230.86 PBT 1,323.94 698.15 -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 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 397.51 264.63 -358.93 1,089.56 -1,302.53 2,022.17 956.23 350.51 1,018.84 1,408.64 1,179.73 Tax Rate 30.02% 37.90% 12.86% 44.06% 19.45% 37.31% 17.39% 7.26% 16.91% 24.93% 27.84% PAT 926.43 433.52 -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 PAT before Minority Interest 926.43 433.52 -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 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 2.93% 1.75% -10.96% 6.82% -30.42% 19.32% 27.64% 29.98% 36.44% 36.53% 34.97% PAT Growth -145.48% 0 -275.82% 0 -258.77% -25.16% 1.35% -10.51% 18.04% 38.69% Unadjusted EPS 1.79 1.64 -10.53 6.00 -23.89 15.83 107.38 108.84 127.84 116.37 83.96

Description TTM Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Net Interest Income - 20,400.53 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 Interest Earned - 52,906.25 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 Interest Expended - 32,505.72 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 Int. income Growth - 20.74% 13.57% 8.66% -4.71% 11.74% 7.55% 11.07% 17.46% 47.53% Other Income - 7,887.05 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 Total Income - 28,287.58 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 Total Expenditure - 25,814.75 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 Employee Cost - 5,434.12 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 % Of Sales - 10.27% 10.64% 10.99% 11.36% 9.97% 10.71% 9.92% 10.22% 13.41% 14.08% Opt. & Establishment Exp. - 8,283.10 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 % Of Sales - 15.66% 15.91% 13.49% 11.54% 10.01% 8.96% 8.27% 8.64% 9.29% 10.43% Provisions - 13,994.03 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 % Of Sales - 26.45% 34.02% 21.23% 34.83% 11.64% 11.92% 13.63% 10.18% 7.57% 4.70% EBITDA - 2,472.83 -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 EBITDA Margin - 12.12% -7.13% 23.96% -41.69% 44.20% 49.50% 46.14% 61.30% 67.17% 74.50% Depreciation - 948.25 900.69 539.97 525.11 368.26 368.11 321.70 294.47 259.16 241.57 PBT - 1,524.58 -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 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 - 437.51 -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 Tax Rate - 28.70% 9.20% 41.23% 18.93% 35.94% 17.76% 8.55% 17.26% 25.05% 28.18% PAT - 1,020.90 -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 PAT before Minority Interest - 1,087.07 -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 Minority Interest - -66.17 -51.29 -40.00 -34.69 -38.70 -35.68 -24.79 -20.84 -20.21 -13.14 PAT Margin - 3.61% -7.89% 7.62% -25.85% 19.14% 26.59% 28.70% 34.95% 35.33% 34.18% PAT Growth - 0 -213.00% 0 -234.10% -22.50% 3.59% -9.04% 18.11% 40.24% Unadjusted EPS - 4.16 -8.17 7.88 -22.44 18.22 118.25 116.70 134.01 121.64 87.28

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Shareholder's Funds 50,983.10 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 Share Capital 530.36 530.36 462.09 462.09 443.56 430.68 422.52 412.38 392.81 365.53 Total Reserves 45,410.73 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 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 638,689.72 591,314.82 601,675.17 574,037.87 617,559.52 568,894.39 473,883.34 384,871.11 305,439.48 241,261.93 Borrowings 67,201.30 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 Other Liabilities & Provisions 24,113.29 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 Total Liabilities 780,987.41 719,999.77 694,875.42 671,376.48 714,988.55 659,504.54 547,135.44 447,321.47 358,397.17 278,316.70 Net Block 6,990.30 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 Gross Block 13,810.57 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 Accumulated Depreciation 6,820.27 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 Total Non-Current Assets 747,336.74 688,881.13 669,118.04 644,374.83 696,105.38 646,730.50 537,431.51 437,096.73 352,306.74 273,969.49 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 26,661.73 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 Balance with banks and money at call 62,567.89 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 Investments 182,298.08 163,184.53 129,630.54 120,450.52 116,812.24 116,112.66 121,393.72 83,209.40 71,396.59 61,182.38 Advances 468,818.74 427,431.83 383,259.22 383,770.18 428,065.14 397,005.81 328,185.76 287,377.29 228,676.36 175,035.29 Other Assets 33,650.68 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 Total Assets 780,987.42 719,999.77 694,875.41 671,376.48 714,988.55 659,504.53 547,135.44 447,321.46 358,397.18 278,316.71 Contingent Liabilities 380,312.98 298,226.66 252,518.96 228,977.16 246,384.72 259,912.78 204,628.92 152,502.81 127,163.87 87,836.08 Bills for collection 49,059.93 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 Adjusted Book Value 173.65 164.03 174.91 156.55 175.66 171.30 157.45 138.72 111.48 86.27

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Shareholder's Funds 54,996.12 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 Share Capital 530.36 530.36 462.09 462.09 443.56 430.68 422.52 412.38 392.81 365.53 Total Reserves 49,423.76 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 Minority Interest 341.36 272.52 232.53 193.69 186.72 158.41 110.05 91.18 72.91 59.42 Deposits 665,588.69 607,451.36 617,256.87 586,690.47 629,981.25 579,997.06 482,638.89 392,615.95 311,603.25 245,951.15 Borrowings 68,867.53 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 Other Liabilities & Provisions 29,878.24 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 Total Liabilities 819,671.94 747,804.91 719,220.51 691,179.08 733,977.38 676,114.11 559,388.32 457,412.01 366,213.77 284,276.77 Net Block 7,367.62 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 Gross Block 14,447.38 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 Accumulated Depreciation 7,079.76 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 Total Non-Current Assets 785,183.51 716,033.52 693,023.40 663,738.27 714,764.05 663,033.20 549,494.74 447,012.67 360,046.46 279,814.04 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 28,225.35 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 Balance with banks and money at call 69,659.49 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 Investments 195,716.24 175,137.23 140,716.43 128,894.06 124,738.96 122,112.86 125,617.05 86,697.00 74,154.42 63,163.27 Advances 484,214.81 437,941.26 392,262.30 391,485.99 435,415.49 403,715.37 333,625.20 292,077.14 232,085.11 177,711.90 Other Assets 34,488.44 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 Total Assets 819,671.95 747,804.92 719,220.51 691,179.08 733,977.37 676,114.10 559,388.33 457,412.00 366,213.77 284,276.77 Contingent Liabilities 381,543.49 299,023.38 253,394.60 229,806.96 247,332.37 260,865.11 205,377.49 153,154.99 127,562.36 88,221.17 Bills for collection 49,212.86 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 Adjusted Book Value 188.82 176.01 186.91 166.50 185.43 171.30 157.45 138.72 111.48 86.27

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Cash From Operating Activity -4,119.63 -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 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 Adjustment 14,717.00 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 Adjustments for Liabilities & Assets -15,395.47 -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 Refund/(Payment) of direct taxes -4,139.30 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 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 -3,957.05 -563.35 -426.04 -3,995.41 -539.37 -688.70 -772.45 -337.38 -489.76 -335.01 Net Fixed Assets -2408.94 -446.38 -460.48 -3953.28 -483.42 -677.10 -459.38 -359.47 -295.52 -298.51 Other Investment Activity -14373.92 -11827.67 -14950.66 -11034.14 -7230.19 -6830.52 -5718.35 -5411.35 -4897.13 -4505.53 Cash from Financing Activity 4,408.92 4,078.65 -198.26 -615.73 -6.44 5,151.34 -790.27 165.35 3,177.96 462.51 Closing Cash & Equivalent 89,229.62 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 Net Cash Inflow / Outflow -3,667.76 -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 Opening Cash & Equivalents 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

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Cash From Operating Activity -1,449.07 -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 PBT 1,537.62 -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 Adjustment 16,176.21 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 Adjustments for Liabilities & Assets -14,863.05 -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 Refund/(Payment) of direct taxes -4,299.84 960.28 1,248.65 1,370.74 -2,885.65 -2,513.24 -1,827.71 -1,774.48 -1,489.05 -1,554.69 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 -2,537.37 -413.63 -550.62 -4,005.10 -556.34 -730.36 -514.16 -416.12 -348.94 -294.39 Net Fixed Assets -2408.94 -446.38 -460.48 -3953.28 -483.42 -677.10 -459.38 -359.47 -295.52 -298.51 Other Investment Activity -14224.20 -11952.25 -14960.35 -11051.11 -7271.85 -6572.23 -5797.09 -5270.53 -4856.51 -4414.12 Cash from Financing Activity 4,448.53 3,413.08 -198.26 -615.73 -6.44 5,151.34 -790.27 165.35 3,169.08 519.71 Closing Cash & Equivalent 97,884.84 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 Net Cash Inflow / Outflow 462.09 -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 Opening Cash & Equivalents 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

Financial Ratios

Consolidated /

Standalone

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Book Value 173.65 164.03 174.91 156.55 175.66 162.69 146.53 127.95 101.14 82.93 NIM 2.52 2.27 2.04 2.00 1.90 1.86 2.12 2.37 2.51 2.19 Yield on Advances 10.66 10.21 11.01 11.48 10.04 9.81 10.72 10.33 9.57 9.54 Yield on Investments 7.56 7.54 10.19 9.84 8.94 8.13 6.67 8.16 7.31 7.16 Cost of Liabilities 4.43 4.30 4.54 5.16 4.56 4.45 4.77 4.74 3.99 4.23 Interest Spread 6.23 5.91 6.47 6.33 5.48 5.35 5.95 5.59 5.58 5.31 ROCE 3.90% -0.76% 6.05% -6.15% 10.27% 11.04% 11.44% 16.13% 19.14% 18.91% Cost Income Ratio 45.56 45.87 45.86 50.30 43.63 43.44 39.79 37.55 39.87 43.57 Core Cost Income Ratio 47.46 50.11 52.66 53.88 46.28 45.50 41.50 39.28 41.46 47.50 Operating Costs to Assets 1.45 1.41 1.34 1.33 1.07 1.08 1.09 1.15 1.29 1.37 Loans/Deposits 0.11 0.11 0.05 0.06 0.06 0.06 0.06 0.06 0.07 0.06 Cash/Deposits 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.06 0.07 0.06 Investment/Deposits 0.29 0.28 0.22 0.21 0.19 0.20 0.26 0.22 0.23 0.25 Inc Loan/Deposits 10.52% 10.58% 5.09% 5.83% 5.71% 6.47% 5.61% 6.12% 7.30% 5.53% Credit Deposits 73.40% 72.28% 63.70% 66.85% 69.32% 69.79% 69.25% 74.67% 74.87% 72.55% Interest Expended / Interest earned 62.61% 64.44% 67.98% 71.09% 69.31% 69.27% 67.85% 65.23% 59.78% 64.43% Interest income / Total funds 6.40% 6.06% 6.07% 6.56% 6.01% 5.90% 6.43% 6.63% 6.11% 6.00% Interest Expended / Total funds 4.01% 3.91% 4.13% 4.67% 4.16% 4.09% 4.36% 4.33% 3.65% 3.87% CASA 35.04% 35.81% 32.16% 26.36% 26.39% 25.75% 25.32% 26.90% 28.68% 29.62%

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Book Value 188.82 176.01 186.91 166.50 185.43 171.30 157.45 138.72 111.48 86.27 NIM 2.62 2.38 2.17 2.08 2.02 1.95 2.19 2.42 2.56 2.24 Yield on Advances 10.93 10.52 11.34 11.70 10.32 10.02 10.92 10.44 9.70 9.70 Yield on Investments 7.75 7.69 10.20 9.72 9.11 8.23 6.78 8.13 7.39 7.24 Cost of Liabilities 4.43 4.34 4.56 5.17 4.59 4.47 4.81 4.74 4.00 4.25 Interest Spread 6.50 6.18 6.77 6.52 5.73 5.55 6.11 5.70 5.70 5.45 ROCE 4.64% 0.20% 6.62% -5.34% 10.69% 11.49% 11.82% 16.37% 19.32% 19.02% Cost Income Ratio 45.14 45.51 45.37 50.61 43.42 41.23 38.30 36.70 38.96 43.39 Core Cost Income Ratio 46.79 49.26 51.33 53.87 45.81 42.99 39.84 38.27 40.51 47.14 Operating Costs to Assets 1.56 1.51 1.44 1.44 1.17 1.12 1.13 1.19 1.32 1.40 Loans/Deposits 0.10 0.11 0.05 0.06 0.06 0.06 0.06 0.06 0.07 0.05 Cash/Deposits 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.06 0.07 0.06 Investment/Deposits 0.29 0.29 0.23 0.22 0.20 0.21 0.26 0.22 0.24 0.26 Inc Loan/Deposits 10.35% 10.68% 5.06% 5.77% 5.64% 6.38% 5.50% 6.01% 7.18% 5.45% Credit Deposits 72.75% 72.09% 63.55% 66.73% 69.12% 69.61% 69.13% 74.39% 74.48% 72.25% Interest Expended / Interest earned 61.44% 63.31% 66.55% 70.11% 68.01% 68.22% 67.19% 64.69% 59.30% 63.96% Interest income / Total funds 6.45% 6.16% 6.18% 6.63% 6.12% 5.98% 6.51% 6.67% 6.15% 6.06% Interest Expended / Total funds 3.97% 3.90% 4.11% 4.65% 4.16% 4.08% 4.38% 4.31% 3.65% 3.88% CASA 34.61% 35.63% 32.09% 26.42% 26.43% 25.83% 25.46% 26.98% 28.82% 29.82%

Annual Reports:

News Update

RBI imposes penalty of Rs 2.50 crore on Bank of Baroda
19th Nov 2019, 16:05 PM

The penalty has been imposed for non-compliance with the directions issued by the RBI in various accounts of Srijan Mahila Vikas Sahyog Samiti at Bhagalpur Branch
Read More
Bank of Baroda reports 41% rise in Q2 consolidated net profit
11th Nov 2019, 11:26 AM

Total consolidated income of the Bank increased by 60.25% at Rs 23,304.57 crore for Q2FY20
Read More
Bank of Baroda inks pact with KapitalTech
31st Oct 2019, 11:03 AM

The partnership is for offering working capital business loans to MSMEs in over 200 micro markets across India
Read More
Bank of Baroda gets nod to issue shares up to Rs 7,000 crore to Government
25th Oct 2019, 11:27 AM

The Board of Directors of the Bank approved the same
Read More
Bank of Baroda signs agreement with Paisalo Digital
3rd Oct 2019, 15:20 PM

The agreement is for expanding bank's micro lending portfolio, especially focusing on women self-help groups
Read More
Bank of Baroda signs MoU with Indian Army
3rd Oct 2019, 10:20 AM

The bank would offer customised services along with a host of facilities to account holders
Read More
Government sanctions capital infusion of Rs 7000 crore in Bank of Baroda
1st Oct 2019, 09:33 AM

The Capital infusion will be by way of preferential allotment of equity shares
Read More
Bank of Baroda partners with Hyundai Motor
26th Sep 2019, 10:15 AM

The bank will provide detailed financing structure for both dealers and consumers
Read More
Bank of Baroda unveils mobile application ‘Baroda Kisan’
23rd Sep 2019, 11:27 AM

The app will help farmers by providing vital information to help them make the right decisions right from sowing to harvest
Read More
Bank of Baroda gets nod to raise funds up to Rs 1000 crore via bonds
18th Sep 2019, 12:56 PM

The designated committee of the Board i.e. Capital Raising Committee of the Bank on September 18, 2019, approved the same
Read More
Bank of Baroda planning to raise funds via bonds
13th Sep 2019, 10:30 AM

The company’s CRC of Whole Time Directors of the Bank meeting is scheduled to be held on September 18, 2019
Read More
Bank of Baroda to sell Dena Bank’s head office for Rs 530 crore
13th Sep 2019, 09:50 AM

The auction will be held on October 18
Read More
Bank of Baroda raises Rs 500 crore via Bonds
12th Sep 2019, 09:45 AM

The bank has issued and allotted BASEL III Compliant Tier II Bonds - Series XXII of Face Value of Rs 10 lakh each
Read More
Bank of Baroda sanctions Rs 2,000 crore for Bundelkahnd Expressway project
6th Sep 2019, 10:25 AM

Bundelkhand Expressway project, one of the core projects of the state government, is aimed at expediting the socio-financial development of the area
Read More
Bank of Baroda gets nod to raise Rs 1,132 crore under ESP scheme
4th Sep 2019, 10:44 AM

The compensation committee of the board at its meeting held on September 3, 2019 has approved the same
Read More
Bank of Baroda to buy assets around Rs 6,000 crore of securitised NBFC loans in Q2
27th Aug 2019, 09:41 AM

The bank had already bought around Rs 3,500 crore loans from NBFCs in the June quarter
Read More
Bank of Baroda to raise funds through various ways
27th Aug 2019, 09:11 AM

The Board of Directors of the bank at its meeting held on August 26, 2019 has approved the same
Read More
Bank of Baroda planning to raise funds
21st Aug 2019, 10:50 AM

The meeting of the CRC of whole time Directors of the Bank is scheduled to be held on August 26, 2019 to consider the same
Read More
Bank of Baroda holds consultation session to discuss roadmap for growth
20th Aug 2019, 11:24 AM

Bankers deliberated upon issues of the banking sector and aligning the bank’s goals with the nation’s goals, during the consultation session
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