Nifty

10817.60

Sensex

36436.80

-185.90(-1.69%)
-686.23(-1.85%)

Nifty
Sensex

:
:

10817.60
36436.80

-185.90(-1.69%)
-686.23(-1.85%)

Bank Of Baroda

Bank - Public

Rating :

57/99 (View)

BSE: 532134 | NSE: BANKBARODA

Watchlist

NSE BSE

95.15

-3.70 (-3.74%)

17-Sep-2019 | 3:58PM

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

98.55
99.50
94.90
98.85

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

19835966
18873.92
144.00
89.10

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

38,024.90
61.82
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

78,667.09
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

6.24
8.75
-

P:BV (Average)

8 Years
5 Years
3 Years

0.95
0.92
0.90

EV:EBITDA (Average)

8 Years
5 Years
3 Years

6.19
6.13
5.07

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Jun 19 Jun 18 Var% Mar 19 Mar 18 Var% Dec 18 Dec 17 Var% Sep 18 Sep 17 Var%
Interest Earned 18,945.33 11,639.88 62.76% 13,314.18 11,039.26 20.61% 12,941.71 11,303.24 14.50% 12,078.34 10,753.33 12.32%
Interest Exp. 12,447.21 7,258.80 71.48% 8,247.22 7,037.00 17.20% 8,198.48 6,909.21 18.66% 7,585.80 7,032.80 7.86%
Net Interest Income 6,498.12 4,381.08 48.32% 5,066.96 4,002.26 26.60% 4,743.23 4,394.03 7.95% 4,492.54 3,720.53 20.75%
NIM 2.62 2.65 -1.13% 3.12 2.81 11.03% 2.69 2.77 -2.89% 2.61 2.34 11.54%
Other Income 1,915.57 1,147.83 66.89% 1,970.41 1,695.90 16.19% 1,621.14 1,673.04 -3.10% 1,351.61 1,737.06 -22.19%
Total Income 20,860.90 12,787.71 63.13% 15,284.59 12,735.16 20.02% 14,562.85 12,976.28 12.23% 13,429.95 12,490.39 7.52%
Operating Exp. 4,137.46 2,523.32 63.97% 3,176.58 3,032.67 4.75% 2,825.84 2,416.96 16.92% 2,762.24 2,415.75 14.34%
Operating Profit 4,276.23 3,005.59 42.28% 3,860.79 2,665.49 44.84% 3,538.53 3,650.11 -3.06% 3,081.91 3,041.84 1.32%
Provision 3,284.88 2,165.64 51.68% 5,399.29 6,672.38 -19.08% 2,794.20 3,426.51 -18.45% 2,429.54 2,329.35 4.30%
PBT 991.35 839.95 18.02% -1,538.50 -4,006.89 - 744.33 223.60 232.88% 652.37 712.49 -8.44%
PBTM 5.23 7.22 -27.56% -11.56 -36.30 - 5.75 1.98 190.40% 5.40 6.63 -18.55%
TAX 281.48 311.69 -9.69% -547.13 -904.55 - 273.08 111.82 144.21% 226.99 357.13 -36.44%
PAT 709.87 528.26 34.38% -991.37 -3,102.34 - 471.25 111.78 321.59% 425.38 355.36 19.70%
PATM 3.75% 4.54% -7.45% -28.10% 3.64% 0.99% 3.52% 3.30%
EPS 1.84 1.99 -7.54% -3.74 -11.70 - 1.78 0.48 270.83% 1.60 1.54 3.90%
Gross NPA 69,713.95 55,874.81 24.77% 48,232.77 56,480.39 -14.60% 53,184.28 48,480.44 9.70% 55,121.37 46,306.83 19.04%
Gross NPA% 10.28 12.46 -17.50% 9.61 12.26 -21.62% 11.01 11.31 -2.65% 11.78 11.16 5.56%
Net NPA 25,030.29 22,384.10 11.82% 15,609.50 23,482.65 -33.53% 19,130.50 19,852.15 -3.64% 21,059.22 19,572.62 7.60%
Net NPA% 3.95 5.40 -26.85% 3.33 5.49 -39.34% 4.26 4.97 -14.29% 4.86 5.05 -3.76%
CASA 36.55 40.82 -10.46% 40.23 41.18 -2.31% 39.98 40.57 -1.45% 40.48 39.22 3.21%

Description Jun 19 Jun 18 Var% Mar 19 Mar 18 Var% Dec 18 Dec 17 Var% Sep 18 Sep 17 Var%
Interest Earned 19,723.31 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest Exp. 12,795.78 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 6,927.53 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 2,333.64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Income 22,056.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Exp. 4,867.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Profit 4,393.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Provision 3,216.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBT 1,177.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBTM 5.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TAX 350.99 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT 826.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PATM 4.19% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 2.16 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 20,800.85 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 57,279.56 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 36,478.71 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 26.08% 20.37% 14.86% 6.07% -3.39% 10.21% 5.75% 9.68% 17.21% 48.20% Other Income 6,858.73 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 64,138.29 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 12,902.12 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 14,757.46 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 77.48% 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 849.55 698.15 -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 234.42 264.63 -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 27.59% 37.90% 12.86% 44.06% 19.45% 37.31% 17.39% 7.26% 16.91% 24.93% 27.84% PAT 615.13 433.52 -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 615.13 433.52 -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 2.22% 1.75% -10.96% 6.82% -30.42% 19.32% 27.64% 29.98% 36.44% 36.53% 34.97% PAT Growth -129.20% 0 -275.82% 0 -258.77% -25.16% 1.35% -10.51% 18.04% 38.69% Unadjusted EPS 1.48 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 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 Company 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 unveils banking programme for start-ups
13th Aug 2019, 10:27 AM

Under the programme, the start-up branches will offer a bouquet of tailor-made banking products
Read More
Bank of Baroda introduces repo rate-linked home loans
13th Aug 2019, 09:41 AM

With this new variant, customers will have the option to select between MCLR-linked rate
Read More
South African Reserve Bank cuts financial penalty on Bank of Baroda
8th Aug 2019, 12:23 PM

The Prudential Authority has slapped a reduced penalty of 400,000 South African rand, on Bank of Baroda, South Africa
Read More
Bank of Baroda, Max Bupa Health Insurance partner with Feeding India
8th Aug 2019, 10:54 AM

The initiative is aimed to contribute to the nation’s fight against hunger and enable the underprivileged citizens to lead healthier lives
Read More
RBI slaps monetary penalty of Rs 0.5 crore on Bank of Baroda
6th Aug 2019, 12:20 PM

This action is based on the deficiencies in regulatory compliance
Read More
RBI imposes penalty of Rs 1.50 crore on Bank of Baroda
3rd Aug 2019, 12:18 PM

The regulator has imposed penalty for failure to ensure end use of funds
Read More
Bank of Baroda reports 27% rise in Q1 consolidated net profit
26th Jul 2019, 11:16 AM

Total consolidated income of the Bank increased by 60.65% at Rs 22,056.95 crore for Q1FY20
Read More
Bank Of Baroda - Quarterly Results
25th Jul 2019, 17:42 PM

Read More
Bank of Baroda inks MoU with Pine Labs: Report
25th Jul 2019, 12:01 PM

The objective of this collaboration is to provide the affordability solution to debit card holders of BoB
Read More
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

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