Nifty

11483.25

Sensex

38233.41

129.00(1.14%)
424.50(1.12%)

Nifty
Sensex

:
:

11483.25
38233.41

129.00(1.14%)
424.50(1.12%)

Bank Of Baroda

Bank - Public

Rating :

70/99 (View)

BSE: 532134 | NSE: BANKBARODA

Watchlist

NSE BSE

120.80

2.60 (2.20%)

26-Mar-2019 | 3:59PM

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

119.10
122.15
118.75
118.20

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

13335846
16109.70
157.50
91.00

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

41,395.32
N/A
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

82,220.15
N/A
0.91

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

11.72
5.34
6.81

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
-
-4.18

PAT CAGR (%)

10 Years
5 Years
3 Years

-
-
-23.33

P:E (Median)

8 Years
5 Years
3 Years

6.34
8.00
-

P:BV (Average)

8 Years
5 Years
3 Years

1.00
0.94
0.92

EV:EBITDA (Average)

8 Years
5 Years
3 Years

6.29
6.29
5.30

Quarterly Results

Standalone Figures in Rs. Crores

Description Dec 18 Dec 17 Var% Sep 18 Sep 17 Var% Jun 18 Jun 17 Var% Mar 18 Mar 17 Var%
Interest Earned 12,941.71 11,303.24 14.50% 12,078.34 10,753.33 12.32% 11,639.88 10,552.71 10.30% 11,039.26 10,875.16 1.51%
Interest Exp. 8,198.48 6,909.21 18.66% 7,585.80 7,032.80 7.86% 7,258.80 7,147.76 1.55% 7,037.00 7,293.30 -3.51%
Net Interest Income 4,743.23 4,394.03 7.95% 4,492.54 3,720.53 20.75% 4,381.08 3,404.95 28.67% 4,002.26 3,581.86 11.74%
NIM 2.69 2.77 -2.89% 2.61 2.34 11.54% 2.65 2.51 5.58% 2.81 2.50 12.40%
Other Income 1,621.14 1,673.04 -3.10% 1,351.61 1,737.06 -22.19% 1,147.83 1,551.15 -26.00% 1,695.90 1,977.28 -14.23%
Total Income 14,562.85 12,976.28 12.23% 13,429.95 12,490.39 7.52% 12,787.71 12,103.86 5.65% 12,735.16 12,852.44 -0.91%
Operating Exp. 2,825.84 2,416.96 16.92% 2,762.24 2,415.75 14.34% 2,523.32 2,307.99 9.33% 3,032.67 2,538.97 19.44%
Operating Profit 3,538.53 3,650.11 -3.06% 3,081.91 3,041.84 1.32% 3,005.59 2,648.11 13.50% 2,665.49 3,020.17 -11.74%
Provision 2,794.20 3,426.51 -18.45% 2,429.54 2,329.35 4.30% 2,165.64 2,368.05 -8.55% 6,672.38 2,622.97 154.38%
PBT 744.33 223.60 232.88% 652.37 712.49 -8.44% 839.95 280.06 199.92% -4,006.89 397.20 -
PBTM 5.75 1.98 190.40% 5.40 6.63 -18.55% 7.22 2.65 172.45% -36.30 3.65 -
TAX 273.08 111.82 144.21% 226.99 357.13 -36.44% 311.69 76.67 306.53% -904.55 242.48 -
PAT 471.25 111.78 321.59% 425.38 355.36 19.70% 528.26 203.39 159.73% -3,102.34 154.72 -
PATM 3.64% 0.99% 3.52% 3.30% 4.54% 1.93% -28.10% 1.42%
EPS 1.78 0.48 270.83% 1.60 1.54 3.90% 1.99 0.88 126.14% -11.70 0.67 -
Gross NPA 53,184.28 48,480.44 9.70% 55,121.37 46,306.83 19.04% 55,874.81 46,172.77 21.01% 56,480.39 42,718.70 32.21%
Gross NPA% 11.01 11.31 -2.65% 11.78 11.16 5.56% 12.46 11.40 9.30% 12.26 10.46 17.21%
Net NPA 19,130.50 19,852.15 -3.64% 21,059.22 19,572.62 7.60% 22,384.10 19,519.31 14.68% 23,482.65 18,080.18 29.88%
Net NPA% 4.26 4.97 -14.29% 4.86 5.05 -3.76% 5.40 5.17 4.45% 5.49 4.72 16.31%
CASA 39.98 40.57 -1.45% 40.48 39.22 3.21% 40.82 37.70 8.28% 41.18 30.98 32.92%

Description Sep 18 Sep 17 Var% Jun 18 Jun 17 Var% Mar 18 Mar 17 Var% Dec 17 Dec 16 Var%
Interest Earned 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Interest Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NIM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Profit 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Provision 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBTM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TAX 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CASA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Description TTM Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Net Interest Income 17,619.11 15,521.77 13,513.41 12,739.85 13,187.24 11,965.35 11,315.26 10,317.01 8,802.26 5,939.48 5,123.41 Interest Earned 47,699.19 43,648.54 42,199.93 44,061.28 42,963.56 38,939.71 35,196.65 29,673.72 21,885.92 16,698.34 15,091.58 Interest Expended 30,080.08 28,126.77 28,686.52 31,321.43 29,776.32 26,974.36 23,881.39 19,356.71 13,083.66 10,758.86 9,968.17 Int. income Growth 16.67% 14.86% 6.07% -3.39% 10.21% 5.75% 9.68% 17.21% 48.20% 15.93% Other Income 5,816.48 6,657.15 6,758.06 4,998.86 4,401.99 4,462.74 3,630.62 3,422.33 2,809.19 2,806.36 2,757.66 Total Income 53,515.67 22,178.92 20,271.47 17,738.71 17,589.23 16,428.09 14,945.88 13,739.34 11,611.45 8,745.84 7,881.07 Total Expenditure 11,144.07 24,106.59 17,287.42 23,935.45 11,828.24 10,585.75 9,814.02 7,436.98 5,718.08 4,276.92 4,307.62 Employee Cost - 4,606.87 4,637.77 4,978.03 4,261.35 4,139.72 3,449.65 2,985.58 2,916.78 2,350.88 2,348.13 % Of Sales - 10.55% 10.99% 11.30% 9.92% 10.63% 9.80% 10.06% 13.33% 14.08% 15.56% Opt. & Establishment Exp. - 6,429.58 5,169.98 4,446.44 3,753.17 3,342.38 2,797.73 2,449.71 1,956.09 1,690.56 1,458.43 % Of Sales - 14.73% 12.25% 10.09% 8.74% 8.58% 7.95% 8.26% 8.94% 10.12% 9.66% Provisions - 14,796.30 8,502.37 15,513.64 4,494.50 3,793.71 4,167.92 2,554.83 1,331.29 697.20 962.06 % Of Sales - 33.90% 20.15% 35.21% 10.46% 9.74% 11.84% 8.61% 6.08% 4.18% 6.37% EBITDA 12,291.52 -1,927.67 2,984.05 -6,196.74 5,760.99 5,842.34 5,131.86 6,302.36 5,893.37 4,468.92 3,573.45 EBITDA Margin 76.64% -12.42% 22.08% -48.64% 43.69% 48.83% 45.35% 61.09% 66.95% 75.24% 69.75% Depreciation 0.00 863.08 511.35 501.33 340.39 345.03 300.64 276.57 243.04 230.86 230.50 PBT -1,770.24 -2,790.74 2,472.70 -6,698.07 5,420.61 5,497.31 4,831.23 6,025.80 5,650.32 4,238.06 3,342.94 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax -92.79 -358.93 1,089.56 -1,302.53 2,022.17 956.23 350.51 1,018.84 1,408.64 1,179.73 1,115.74 Tax Rate 5.24% 12.86% 44.06% 19.45% 37.31% 17.39% 7.26% 16.91% 24.93% 27.84% 33.38% PAT -1,677.45 -2,431.81 1,383.14 -5,395.54 3,398.44 4,541.08 4,480.72 5,006.96 4,241.68 3,058.33 2,227.20 PAT before Minority Interest -1,677.45 -2,431.81 1,383.14 -5,395.54 3,398.44 4,541.08 4,480.72 5,006.96 4,241.68 3,058.33 2,227.20 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin -7.16% -10.96% 6.82% -30.42% 19.32% 27.64% 29.98% 36.44% 36.53% 34.97% 28.26% PAT Growth -303.27% -275.82% 0 -258.77% -25.16% 1.35% -10.51% 18.04% 38.69% 37.32% Unadjusted EPS -6.33 -10.53 6.00 -23.89 15.83 107.38 108.84 127.84 116.37 83.96 61.14

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

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

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

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

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

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

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

Financial Ratios

Consolidated /

Standalone

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

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

Annual Reports:

News Update

RBI slaps penalty of Rs 40 million on Bank of Baroda
6th Mar 2019, 10:16 AM

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

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

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

This action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with their customers
Read More
Bank of Baroda reports 4-fold jump in Q3 net profit
30th Jan 2019, 10:27 AM

Total income of the Bank increased by 12.23% at Rs 14,562.85 crore for Q3FY19
Read More
Bank Of Baroda - Quarterly Results
29th Jan 2019, 17:43 PM

Read More
Bank of Baroda raises funds worth Rs 285 crore via bonds
10th Jan 2019, 16:23 PM

The company has issued 8.60% BASEL III Compliant Tier II Bonds - Series XX of Face Value of Rs 10 lakh each
Read More
Bank of Baroda increases minimum balance limit for savings account
10th Jan 2019, 14:37 PM

The bank’s the minimum balance limit has been increased from Rs 1,000 to Rs 2,000 for savings accounts in urban, metro and semi-urban branches
Read More
Bank of Baroda fixes exchange ratio for amalgamation of Vijaya Bank, Dena Bank
3rd Jan 2019, 09:26 AM

Ratio will be 402 equity shares of Rs 2 each of the bank for every 1000 equity shares of Rs 10 each of Vijaya Bank
Read More
Bank of Baroda gets approval to raise funds via Bonds
2nd Jan 2019, 15:48 PM

The Capital Raising Committee of the bank at its meeting held on January 02, 2019 has approved the same
Read More
Bank of Baroda to close down three overseas branches by June
18th Dec 2018, 10:27 AM

The three branches contribute less than a percentage each to the bank's consolidated business
Read More
Bank of Baroda gets approval to raise funds via Bonds
17th Dec 2018, 14:05 PM

The Capital Raising Committee of the bank at its meeting held on December 17, 2018 has approved the same
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