Nifty

11662.60

Sensex

39131.04

74.25(0.64%)
234.33(0.60%)

Nifty
Sensex

:
:

11662.60
39131.04

74.25(0.64%)
234.33(0.60%)

Bank Of Baroda

Bank - Public

Rating :

72/99 (View)

BSE: 532134 | NSE: BANKBARODA

Watchlist

NSE BSE

124.40

2.40 (1.97%)

16-Jul-2019 | 3:29PM

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

121.00
124.70
120.50
122.00

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

19459686
24207.85
157.50
91.00

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

46,930.07
108.25
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

87,572.26
N/A
0.92

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

6.24
8.05
-

P:BV (Average)

8 Years
5 Years
3 Years

0.97
0.94
0.92

EV:EBITDA (Average)

8 Years
5 Years
3 Years

6.23
6.22
5.19

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 3.12 2.81 11.03% 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 40.23 41.18 -2.31% 39.98 40.57 -1.45% 40.48 39.22 3.21% 40.82 37.70 8.28%

Description Mar 19 Mar 18 Var% Dec 18 Dec 17 Var% Sep 18 Sep 17 Var% Jun 18 Jun 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 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
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 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 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 Int. income Growth - 20.37% 14.86% 6.07% -3.39% 10.21% 5.75% 9.68% 17.21% 48.20% 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 Total Income - 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 - 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 - 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 - 8.61% -12.42% 22.08% -48.64% 43.69% 48.83% 45.35% 61.09% 66.95% 75.24% Depreciation - 910.38 863.08 511.35 501.33 340.39 345.03 300.64 276.57 243.04 230.86 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 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 Tax Rate - 37.90% 12.86% 44.06% 19.45% 37.31% 17.39% 7.26% 16.91% 24.93% 27.84% 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 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 Minority Interest - 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% PAT Growth - 0 -275.82% 0 -258.77% -25.16% 1.35% -10.51% 18.04% 38.69% Unadjusted EPS - 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

Bank of Baroda to foray into e-commerce business
11th Jul 2019, 15:00 PM

The bank is keen to strategise and enhance online digital capabilities with a focus on creating a marketplace to fulfil services relating to different segments of customers' daily needs and lifestyle needs
Read More
Bank of Baroda partners with CRISIL
5th Jul 2019, 10:00 AM

The rating agency will assess SMEs by processing and analysing structured, unstructured and new data streams and share it with the bank
Read More
Bank of Baroda signs MoU with Maruti Suzuki
21st Jun 2019, 15:22 PM

As per MoU, Bank of Baroda has now become Maruti Suzuki’s ‘Preferred Financer’
Read More
Bank of Baroda allots shares worth Rs 5,042 crore to Government
17th Jun 2019, 12:23 PM

The Bank has issued and allotted 42,85,59,286 equity shares of Rs 2 each fully paid up at an issue price of Rs 117.65 per equity share
Read More
ECL Finance partners with Bank of Baroda
13th Jun 2019, 10:18 AM

Both entities will jointly offer loans and expertise for the growing needs of micro, small and medium enterprises besides self-employed as well as priority sector groups
Read More
Bank of Baroda puts on sale non-performing loans worth Rs 9,060 crore
10th Jun 2019, 11:08 AM

The bank is looking to sell 65 other medium and small-size stressed accounts worth Rs 6,057 crore, only on cash basis
Read More
Bank of Baroda planning to raise Rs 11,900 crore in FY20
3rd Jun 2019, 10:56 AM

The decisions in this regard will be taken by shareholders of the bank on June 21 at the AGM
Read More
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

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