Nifty

14371.90

Sensex

48878.54

-218.45(-1.50%)
-746.22(-1.50%)

Nifty
Sensex

:
:

14371.90
48878.54

-218.45(-1.50%)
-746.22(-1.50%)

Bank Of Baroda

Bank - Public

Rating :

45/99 (View)

BSE: 532134 | NSE: BANKBARODA

Watchlist

NSE BSE

73.35

-2.95 (-3.87%)

22-Jan-2021 | 4:00PM

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

76.15
77.35
73.00
76.30

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

45531180
33397.12
94.20
36.00

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

33,868.75
101.81
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

95,376.67
N/A
0.44

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

12.15
16.08
19.53

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
1.89
5.86

PAT CAGR (%)

10 Years
5 Years
3 Years

-14.78
-
-

P:E (Median)

8 Years
5 Years
3 Years

6.79
-
-

P:BV (Average)

8 Years
5 Years
3 Years

0.80
0.72
0.59

EV:EBITDA (Average)

8 Years
5 Years
3 Years

5.35
4.84
4.59

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Interest Earned 17,917.59 19,270.77 -7.02% 18,494.16 18,943.33 -2.37% 18,698.44 13,110.68 42.62% 19,067.91 12,941.71 47.34%
Interest Exp. 10,410.06 12,246.04 -14.99% 11,678.09 12,447.21 -6.18% 11,900.26 8,247.22 44.29% 11,938.86 8,198.48 45.62%
Net Interest Income 7,507.53 7,024.73 6.87% 6,816.07 6,496.12 4.93% 6,798.18 4,863.46 39.78% 7,129.05 4,743.23 50.30%
NIM 2.96 2.81 5.34% 2.63 2.62 0.38% 2.78 3.12 -10.90% 2.88 2.69 7.06%
Other Income 2,802.26 2,827.14 -0.88% 1,818.28 1,917.57 -5.18% 2,834.65 2,173.91 30.39% 2,741.17 1,621.14 69.09%
Total Income 20,719.85 22,097.91 -6.24% 20,312.44 20,860.90 -2.63% 21,533.10 15,284.59 40.88% 21,809.08 14,562.85 49.76%
Operating Exp. 4,757.97 4,515.95 5.36% 4,314.41 4,137.46 4.28% 4,512.03 3,176.58 42.04% 4,911.75 2,825.84 73.82%
Operating Profit 5,551.82 5,335.92 4.05% 4,319.94 4,276.23 1.02% 5,120.81 3,860.79 32.64% 4,958.47 3,538.53 40.13%
Provision 3,001.59 4,209.16 -28.69% 5,627.70 3,284.88 71.32% 6,844.07 5,399.29 26.76% 7,155.42 2,794.20 156.08%
PBT 2,550.23 1,126.76 126.33% -1,307.76 991.35 - -1,723.26 -1,538.50 - -2,196.95 744.33 -
PBTM 14.23 5.85 143.25% -7.07 5.23 - -9.22 -11.73 - -11.52 5.75 -
TAX 871.63 390.08 123.45% -443.50 281.48 - -2,229.85 -547.13 - -790.00 273.08 -
PAT 1,678.60 736.68 127.86% -864.26 709.87 - 506.59 -991.37 - -1,406.95 471.25 -
PATM 9.37% 3.82% -4.67% 3.75% 2.71% -7.56% -7.38% 3.64%
EPS 3.63 1.91 90.05% -1.87 1.84 - 1.09 -3.74 - -3.04 1.78 -
Gross NPA 65,698.01 69,968.95 -6.10% 69,132.01 69,713.95 -0.83% 69,381.43 48,232.77 43.85% 73,139.70 53,184.28 37.52%
Gross NPA% 9.14 10.25 -10.83% 9.39 10.28 -8.66% 9.40 9.61 -2.19% 10.43 11.01 -5.27%
Net NPA 16,794.93 24,894.38 -32.54% 19,449.66 25,030.29 -22.30% 21,576.59 15,609.50 38.23% 26,504.00 19,130.50 38.54%
Net NPA% 2.51 3.91 -35.81% 2.83 3.95 -28.35% 3.13 3.33 -6.01% 4.05 4.26 -4.93%
CASA 39.78 37.88 5.02% 39.49 36.55 8.04% 39.07 40.23 -2.88% 38.84 36.16 7.41%

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Interest Earned 18,837.25 20,076.68 -6.17% 19,523.65 19,723.31 -1.01% 19,104.18 14,191.42 34.62% 19,990.53 13,708.06 45.83%
Interest Exp. 10,796.92 12,610.54 -14.38% 12,055.34 12,795.78 -5.79% 12,318.75 8,598.15 43.27% 12,314.82 8,515.43 44.62%
Net Interest Income 8,040.33 7,466.14 7.69% 7,468.31 6,927.53 7.81% 6,785.43 5,593.27 21.31% 7,675.71 5,192.63 47.82%
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 3,016.54 3,227.89 -6.55% 2,161.06 2,333.64 -7.40% 3,485.66 2,578.35 35.19% 3,144.14 2,043.18 53.88%
Total Income 21,853.79 23,304.57 -6.23% 21,684.71 22,056.95 -1.69% 22,589.84 16,769.77 34.71% 23,134.67 15,751.24 46.88%
Operating Exp. 5,547.08 5,071.51 9.38% 4,695.14 4,867.88 -3.55% 0.00 3,687.27 -100.00% 5,563.94 3,137.77 77.32%
Operating Profit 5,509.79 5,622.52 -2.00% 4,934.23 4,393.29 12.31% 5,198.14 4,484.35 15.92% 5,255.91 4,098.04 28.25%
Provision 2,776.21 4,322.22 -35.77% 5,979.09 3,216.17 85.91% 6,931.76 5,823.74 19.03% 7,233.62 3,104.90 132.97%
PBT 2,733.58 1,300.30 110.23% -1,044.86 1,177.12 - -1,733.62 -1,339.39 - -1,977.71 993.14 -
PBTM 14.51 6.48 123.92% -5.35 5.97 - 10.75 -9.44 - -9.89 7.24 -
TAX 939.28 446.48 110.37% -394.59 350.99 - -2,214.72 -521.86 - -758.84 325.14 -
PAT 1,794.30 853.82 110.15% -650.27 826.13 - 481.10 -817.53 - -1,218.87 668.00 -
PATM 9.53% 4.25% -3.33% 4.19% 7.11% -5.76% -6.10% 4.87%
EPS 3.88 1.85 109.73% -1.41 1.79 - 1.04 -1.77 - -2.64 1.45 -
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 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Net Interest Income 28,250.83 27,451.28 18,480.31 15,521.77 13,513.41 12,739.85 13,187.24 11,965.35 11,315.26 10,317.01 8,802.26 Interest Earned 74,178.10 75,983.65 49,770.61 43,648.54 42,199.93 44,061.28 42,963.56 38,939.71 35,196.65 29,673.72 21,885.92 Interest Expended 45,927.27 48,532.37 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 Int. income Growth 22.15% 48.54% 19.06% 14.86% 6.07% -3.39% 10.21% 5.75% 9.68% 17.21% Other Income 10,196.36 10,317.32 6,294.49 6,657.15 6,758.06 4,998.86 4,401.99 4,462.74 3,630.62 3,422.33 2,809.19 Total Income 84,374.47 37,768.60 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 Total Expenditure 18,496.16 37,911.06 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 Employee Cost - 8,769.52 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 % Of Sales - 11.54% 10.12% 10.55% 10.99% 11.30% 9.92% 10.63% 9.80% 10.06% 13.33% Opt. & Establishment Exp. - 10,967.32 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 % Of Sales - 14.43% 14.38% 14.73% 12.25% 10.09% 8.74% 8.58% 7.95% 8.26% 8.94% Provisions - 21,493.52 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 % Of Sales - 28.29% 25.70% 33.90% 20.15% 35.21% 10.46% 9.74% 11.84% 8.61% 6.08% EBITDA 19,951.03 -142.46 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 EBITDA Margin 75.07% -0.52% 8.70% -12.42% 22.08% -48.64% 43.69% 48.83% 45.35% 61.09% 66.95% Depreciation 0.00 1,659.65 910.38 863.08 511.35 501.33 340.39 345.03 300.64 276.57 243.04 PBT -2,677.74 -1,802.10 698.15 -2,790.74 2,472.70 -6,698.07 5,420.61 5,497.31 4,831.23 6,025.80 5,650.32 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 -2,591.72 -2,348.29 264.63 -358.93 1,089.56 -1,302.53 2,022.17 956.23 350.51 1,018.84 1,408.64 Tax Rate 96.79% 130.31% 37.90% 12.86% 44.06% 19.45% 37.31% 17.39% 7.26% 16.91% 24.93% PAT -86.02 546.19 433.52 -2,431.81 1,383.14 -5,395.54 3,398.44 4,541.08 4,480.72 5,006.96 4,241.68 PAT before Minority Interest -86.02 546.19 433.52 -2,431.81 1,383.14 -5,395.54 3,398.44 4,541.08 4,480.72 5,006.96 4,241.68 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 -0.22% 1.45% 1.75% -10.96% 6.82% -30.42% 19.32% 27.64% 29.98% 36.44% 36.53% PAT Growth -109.29% 25.99% 0 -275.82% 0 -258.77% -25.16% 1.35% -10.51% 18.04% Unadjusted EPS -0.19 1.18 0.94 -5.26 2.99 -11.68 7.35 9.83 9.70 10.84 9.18

Description TTM Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Net Interest Income 29,969.78 28,854.81 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 Interest Earned 77,455.61 78,894.70 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 Interest Expended 47,485.83 50,039.89 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 Int. income Growth 19.02% 41.44% 20.74% 13.57% 8.66% -4.71% 11.74% 7.55% 11.07% 17.46% Other Income 11,807.40 12,191.33 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 Total Income 89,263.01 41,046.14 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 Total Expenditure 20,879.11 40,582.81 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 Employee Cost - 9,279.24 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 % Of Sales - 11.76% 10.27% 10.64% 10.99% 11.36% 9.97% 10.71% 9.92% 10.22% 13.41% Opt. & Establishment Exp. - 12,994.27 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 % Of Sales - 16.47% 15.66% 15.91% 13.49% 11.54% 10.01% 8.96% 8.27% 8.64% 9.29% Provisions - 21,703.76 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 % Of Sales - 27.51% 26.45% 34.02% 21.23% 34.83% 11.64% 11.92% 13.63% 10.18% 7.57% EBITDA 20,898.07 463.33 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 EBITDA Margin 73.04% 1.61% 12.12% -7.13% 23.96% -41.69% 44.20% 49.50% 46.14% 61.30% 67.17% Depreciation 0.00 1,697.23 948.25 900.69 539.97 525.11 368.26 368.11 321.70 294.47 259.16 PBT -2,022.61 -1,233.91 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 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 -2,428.87 -2,176.09 437.51 -193.62 1,246.93 -1,179.58 2,150.54 1,065.15 444.14 1,087.98 1,477.22 Tax Rate 120.09% 176.36% 28.70% 9.20% 41.23% 18.93% 35.94% 17.76% 8.55% 17.26% 25.05% PAT 353.64 889.22 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 PAT before Minority Interest 406.26 942.18 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 Minority Interest -52.62 -52.96 -66.17 -51.29 -40.00 -34.69 -38.70 -35.68 -24.79 -20.84 -20.21 PAT Margin 0.85% 2.17% 3.61% -7.89% 7.62% -25.85% 19.14% 26.59% 28.70% 34.95% 35.33% PAT Growth -73.45% -12.90% 0 -213.00% 0 -234.10% -22.50% 3.59% -9.04% 18.11% Unadjusted EPS 0.88 1.92 2.21 -4.25 3.76 -11.01 8.21 10.60 10.23 11.24 9.52

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Shareholder's Funds 71,856.22 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 Share Capital 925.37 530.36 530.36 462.09 462.09 443.56 430.68 422.52 412.38 392.81 Total Reserves 70,930.84 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 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 945,984.43 638,689.72 591,314.82 601,675.17 574,037.87 617,559.52 568,894.39 473,883.34 384,871.11 305,439.48 Borrowings 93,069.31 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 Other Liabilities & Provisions 47,005.56 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 Total Liabilities 1,157,915.52 780,987.41 719,999.77 694,875.42 671,376.48 714,988.55 659,504.54 547,135.44 447,321.47 358,397.17 Net Block 8,889.29 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 Gross Block 19,877.48 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 Accumulated Depreciation 10,988.19 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 Total Non-Current Assets 1,095,525.75 747,336.74 688,881.13 669,118.04 644,374.83 696,105.38 646,730.50 537,431.51 437,096.73 352,306.74 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 32,645.85 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 Balance with banks and money at call 89,255.27 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 Investments 274,614.61 182,298.08 163,184.53 129,630.54 120,450.52 116,812.24 116,112.66 121,393.72 83,209.40 71,396.59 Advances 690,120.73 468,818.74 427,431.83 383,259.22 383,770.18 428,065.14 397,005.81 328,185.76 287,377.29 228,676.36 Other Assets 62,389.76 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 Total Assets 1,157,915.51 780,987.42 719,999.77 694,875.41 671,376.48 714,988.55 659,504.53 547,135.44 447,321.46 358,397.18 Contingent Liabilities 320,747.63 380,312.98 298,226.66 252,518.96 228,977.16 246,384.72 259,912.78 204,628.92 152,502.81 127,163.87 Bills for collection 52,009.74 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 Adjusted Book Value 155.51 173.65 164.03 174.91 156.55 175.66 171.30 157.45 138.72 111.48

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Shareholder's Funds 76,104.30 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 Share Capital 925.37 530.36 530.36 462.09 462.09 443.56 430.68 422.52 412.38 392.81 Total Reserves 75,178.92 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 Minority Interest 386.17 341.36 272.52 232.53 193.69 186.72 158.41 110.05 91.18 72.91 Deposits 973,228.15 665,588.69 607,451.36 617,256.87 586,690.47 629,981.25 579,997.06 482,638.89 392,615.95 311,603.25 Borrowings 95,752.70 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 Other Liabilities & Provisions 54,470.82 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 Total Liabilities 1,199,942.14 819,671.94 747,804.91 719,220.51 691,179.08 733,977.38 676,114.11 559,388.32 457,412.01 366,213.77 Net Block 9,043.78 7,143.71 5,532.28 5,929.68 6,359.17 2,978.41 2,849.30 2,550.43 2,428.19 2,383.20 Gross Block 20,311.34 14,223.47 11,787.72 11,318.39 10,768.08 6,796.35 6,309.81 5,590.21 5,096.79 4,716.57 Accumulated Depreciation 11,267.56 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 Total Non-Current Assets 1,136,315.30 784,959.60 716,033.52 693,023.40 663,738.27 714,764.05 663,033.20 549,494.74 447,012.67 360,046.46 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 34,244.78 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 Balance with banks and money at call 96,760.29 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 Investments 289,726.72 195,716.24 175,137.23 140,716.43 128,894.06 124,738.96 122,112.86 125,617.05 86,697.00 74,154.42 Advances 706,539.73 484,214.81 437,941.26 392,262.30 391,485.99 435,415.49 403,715.37 333,625.20 292,077.14 232,085.11 Other Assets 63,626.83 34,712.35 31,771.40 26,197.11 27,440.81 19,213.32 13,080.90 9,893.59 10,399.33 6,167.31 Total Assets 1,199,942.13 819,671.95 747,804.92 719,220.51 691,179.08 733,977.37 676,114.10 559,388.33 457,412.00 366,213.77 Contingent Liabilities 325,173.65 381,543.49 299,023.38 253,394.60 229,806.96 247,332.37 260,865.11 205,377.49 153,154.99 127,562.36 Bills for collection 52,285.39 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 Adjusted Book Value 164.71 188.82 176.01 186.91 166.50 185.43 171.30 157.45 138.72 111.48

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Cash From Operating Activity 929.51 -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 PBT -1,802.11 698.15 -2,790.74 2,472.70 -6,698.07 5,420.61 5,497.31 4,831.23 6,025.80 5,650.32 Adjustment 24,724.00 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 Adjustments for Liabilities & Assets -21,947.68 -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 Refund/(Payment) of direct taxes -44.70 -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 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 141.03 -3,957.05 -563.35 -426.04 -3,995.41 -539.37 -688.70 -772.45 -337.38 -489.76 Net Fixed Assets -6066.91 -2408.94 -446.38 -460.48 -3953.28 -483.42 -677.10 -459.38 -359.47 -295.52 Other Investment Activity -23834.53 -14373.92 -11827.67 -14950.66 -11034.14 -7230.19 -6830.52 -5718.35 -5411.35 -4897.13 Cash from Financing Activity 14,589.74 4,408.92 4,078.65 -198.26 -615.73 -6.44 5,151.34 -790.27 165.35 3,177.96 Closing Cash & Equivalent 121,901.12 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 Net Cash Inflow / Outflow 15,660.27 -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 Opening Cash & Equivalents 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

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Cash From Operating Activity 1,519.33 -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 PBT -1,248.34 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 Adjustment 25,071.86 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 Adjustments for Liabilities & Assets -22,037.20 -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 Refund/(Payment) of direct taxes -266.99 -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 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 -139.00 -2,537.37 -413.63 -550.62 -4,005.10 -556.34 -730.36 -514.16 -416.12 -348.94 Net Fixed Assets -6066.91 -2408.94 -446.38 -460.48 -3953.28 -483.42 -677.10 -459.38 -359.47 -295.52 Other Investment Activity -22414.85 -14224.20 -11952.25 -14960.35 -11051.11 -7271.85 -6572.23 -5797.09 -5270.53 -4856.51 Cash from Financing Activity 14,728.67 4,448.53 3,413.08 -198.26 -615.73 -6.44 5,151.34 -790.27 165.35 3,169.08 Closing Cash & Equivalent 131,005.07 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 Net Cash Inflow / Outflow 16,109.00 462.09 -56,692.25 17,115.95 -14,632.14 17,275.52 46,653.60 21,891.72 14,386.62 14,854.25 Opening Cash & Equivalents 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

Financial Ratios

Consolidated /

Standalone

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Book Value 155.51 173.65 164.03 174.91 156.55 175.66 162.69 146.53 127.95 101.14 NIM 2.53 2.50 2.27 2.04 2.00 1.90 1.86 2.12 2.37 2.51 Yield on Advances 11.01 10.62 10.21 11.01 11.48 10.04 9.81 10.72 10.33 9.57 Yield on Investments 7.59 7.56 7.54 10.19 9.84 8.94 8.13 6.67 8.16 7.31 Cost of Liabilities 4.67 4.43 4.30 4.54 5.16 4.56 4.45 4.77 4.74 3.99 Interest Spread 6.34 6.18 5.91 6.47 6.33 5.48 5.35 5.95 5.59 5.58 ROCE 2.17% 3.90% -0.76% 6.05% -6.15% 10.27% 11.04% 11.44% 16.13% 19.14% Cost Income Ratio 47.86 45.56 45.87 45.86 50.30 43.63 43.44 39.79 37.55 39.87 Core Cost Income Ratio 51.62 47.46 50.11 52.66 53.88 46.28 45.50 41.50 39.28 41.46 Operating Costs to Assets 1.56 1.45 1.41 1.34 1.33 1.07 1.08 1.09 1.15 1.29 Loans/Deposits 0.10 0.11 0.11 0.05 0.06 0.06 0.06 0.06 0.06 0.07 Cash/Deposits 0.03 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.06 0.07 Investment/Deposits 0.29 0.29 0.28 0.22 0.21 0.19 0.20 0.26 0.22 0.23 Inc Loan/Deposits 9.84% 10.52% 10.58% 5.09% 5.83% 5.71% 6.47% 5.61% 6.12% 7.30% Credit Deposits 72.95% 73.40% 72.28% 63.70% 66.85% 69.32% 69.79% 69.25% 74.67% 74.87% Interest Expended / Interest earned 63.87% 62.87% 64.44% 67.98% 71.09% 69.31% 69.27% 67.85% 65.23% 59.78% Interest income / Total funds 6.56% 6.37% 6.06% 6.07% 6.56% 6.01% 5.90% 6.43% 6.63% 6.11% Interest Expended / Total funds 4.19% 4.01% 3.91% 4.13% 4.67% 4.16% 4.09% 4.36% 4.33% 3.65% CASA 35.29% 35.04% 35.81% 32.16% 26.36% 26.39% 25.75% 25.32% 26.90% 28.68%

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Book Value 164.70 188.82 176.01 186.91 166.50 185.43 171.30 157.45 138.72 111.48 NIM 2.56 2.62 2.38 2.17 2.08 2.02 1.95 2.19 2.42 2.56 Yield on Advances 11.17 10.93 10.52 11.34 11.70 10.32 10.02 10.92 10.44 9.70 Yield on Investments 7.60 7.75 7.69 10.20 9.72 9.11 8.23 6.78 8.13 7.39 Cost of Liabilities 4.68 4.43 4.34 4.56 5.17 4.59 4.47 4.81 4.74 4.00 Interest Spread 6.49 6.50 6.18 6.77 6.52 5.73 5.55 6.11 5.70 5.70 ROCE 2.67% 4.64% 0.20% 6.62% -5.34% 10.69% 11.49% 11.82% 16.37% 19.32% Cost Income Ratio 50.13 45.14 45.51 45.37 50.61 43.42 41.23 38.30 36.70 38.96 Core Cost Income Ratio 53.77 46.79 49.26 51.33 53.87 45.81 42.99 39.84 38.27 40.51 Operating Costs to Assets 1.71 1.56 1.51 1.44 1.44 1.17 1.12 1.13 1.19 1.32 Loans/Deposits 0.10 0.10 0.11 0.05 0.06 0.06 0.06 0.06 0.06 0.07 Cash/Deposits 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.06 0.07 Investment/Deposits 0.30 0.29 0.29 0.23 0.22 0.20 0.21 0.26 0.22 0.24 Inc Loan/Deposits 9.84% 10.35% 10.68% 5.06% 5.77% 5.64% 6.38% 5.50% 6.01% 7.18% Credit Deposits 72.60% 72.75% 72.09% 63.55% 66.73% 69.12% 69.61% 69.13% 74.39% 74.48% Interest Expended / Interest earned 63.43% 61.44% 63.31% 66.55% 70.11% 68.01% 68.22% 67.19% 64.69% 59.30% Interest income / Total funds 6.57% 6.45% 6.16% 6.18% 6.63% 6.12% 5.98% 6.51% 6.67% 6.15% Interest Expended / Total funds 4.17% 3.97% 3.90% 4.11% 4.65% 4.16% 4.08% 4.38% 4.31% 3.65% CASA 35.03% 34.61% 35.63% 32.09% 26.42% 26.43% 25.83% 25.46% 26.98% 28.82%

Annual Reports:

News Update

Bank of Baroda raises Rs 969 crore through bond
13th Jan 2021, 16:02 PM

The bank has allotted 8.15%, 9,690 Basel III Compliant Additional Tier I Bonds
Read More
Bank of Baroda signs MoU with SIDBI
7th Jan 2021, 10:25 AM

MoU aims to enable micro, small and medium enterprises apply online for OTR
Read More
Bank of Baroda launches banking services on WhatsApp
5th Jan 2021, 16:20 PM

The banking services via the messaging platform is available 24x7, with no additional requirement of application download
Read More
Bank of Baroda launches maiden New Year ad campaign ‘Ek Forever Rishta’
1st Jan 2021, 12:59 PM

The objective of the campaign is to create brand awareness among the prospective customers, integrated with the product offerings
Read More
Bank of Baroda launches digital lending platform
29th Dec 2020, 12:15 PM

Customers can also avail the amount into their Savings bank account
Read More
Bank of Baroda signs MoU with Defence Forces for ‘Baroda Military Salary Package’
24th Dec 2020, 13:58 PM

A similar package has been introduced by the Bank for the Central Armed Police Forces also
Read More
Bank of Baroda completes integration of erstwhile Dena, Vijaya banks with itself
21st Dec 2020, 11:36 AM

The bank has completed the integration of 1,770 erstwhile Dena Bank branches in December 2020
Read More
Bank of Baroda to sell 8.51% stake in UTI Trustee Company
12th Nov 2020, 09:46 AM

The said transaction is expected to be completed in Q3FY21
Read More
Bank of Baroda reports 2- fold jump in Q2 consolidated net profit
30th Oct 2020, 10:54 AM

Total income of the bank decreased by 6.23% at Rs 21853.79 crore for Q2FY21
Read More
Bank Of Baroda - Quarterly Results
29th Oct 2020, 14:23 PM

Read More
Bank of Baroda gets nod for issuance of bonds
24th Oct 2020, 10:42 AM

The bank has received approval for issuance of bonds for aggregate total issue size not exceeding Rs 2755 crore
Read More
Bank of Baroda ties up with Toyota Kirloskar Motor
21st Oct 2020, 09:12 AM

BoB will be one of the preferred financiers for the entire range of vehicles sold by TKM
Read More
Bank of Baroda completes IT integration of former Vijaya Bank branches
20th Oct 2020, 13:19 PM

With the completion of this migration, around 21 million customers from all Vijaya Bank branches have been seamlessly migrated to BoB
Read More
Bank of Baroda signs MoU with M&M
17th Oct 2020, 08:40 AM

The lender, through its over 5,000 rural and semi-urban branch network, will provide tractor loan facility to customers of M&M
Read More

Bank Of Baroda

Bank - Public

BSE: 532134 | NSE: BANKBARODA

Stock Summary

Shareholding Pattern

Chart

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Quarterly Results

Consolidated 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