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Bank of Baroda

Updated on July 31, 2020

Stock/Share Code - BANKBARODA

Bank of Baroda is engaged in providing various services, such as personal banking, corporate banking, international banking, small and medium enterprise (SME) banking, rural banking, non-resident Indian (NRI) services and treasury services.(Source : Company Web-Site)

Below is the details of BANKBARODA Bank of Baroda

Market Cap₹17,997 Cr.
Current Price ₹46.25 as on 6 Aug 20
52 Week High / Low Price₹135.1 / ₹36
Face Value₹2
Stock P/E
Book Value₹99.43
Dividend Yield0.00 %
ROCE4.41 %
ROE0.94 %
Sales Growth (3yrs)4.29 %
IndustryBanks - Public Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 0.39 times its book value Company is expected to give good quarter Promoter holding has increased by 2.37% over last quarter.
Cons: Company has low interest coverage ratio. The company has delivered a poor growth of 5.12% over past five years. Company has a low return on equity of -0.61% for last 3 years. Contingent liabilities of Rs.429372.92 Cr. Company might be capitalizing the interest cost

Bank of Baroda Price Chart

Bank of Baroda Price Chart

Bank of Baroda Peer Comparison in Banks

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. St Bk of India ₹263.65 11.82 ₹143,953.98 Cr. 0.00 ₹6,531.95 Cr. 38.71 9.42 71025.52 4.66
2. Punjab Natl.Bank ₹32.35 ₹25,164.19 Cr. 0.00 -₹384.96 Cr. -187.90 4.38 13834.95 2.52
3. Bank of Baroda ₹17,997.11 Cr. 0.00 -₹1,406.95 Cr. -398.56 47.34 19067.91 4.41
4. Union Bank (I) ₹29.4 ₹15,139.91 Cr. 0.00 ₹554.36 Cr. 202.98 13.13 9687.88 4.12
5. Canara Bank ₹102.45 16.64 ₹12,180.34 Cr. 0.00 ₹397.65 Cr. 3.40 -0.16 12493.62 4.73
6. I O B ₹14.85 ₹11,999 Cr. 0.00 -₹6,075.49 Cr. -1655.82 -4.19 4351.90 2.64
7. UCO Bank ₹13.7 ₹10,860.58 Cr. 0.00 -₹960.17 Cr. 3.86 12.99 3770.74 2.69
8. Bank of India ₹48.6 13.44 ₹10,305.92 Cr. 0.00 ₹138.2 Cr. 102.97 6.53 10898.19 2.99

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Bank of Baroda Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019
Expenses -5,1624,6764,7455,8439,7054,6895,1925,6208,5767,4228,72512,067
Employee Cost %11.24%9.62%11.28%9.82%11.49%9.46%10.11%10.07%10.78%10.24%11.84%13.60%
Financing Profit-1,580-1,271-1,025-1,449-5,703-308-699-877-3,712-924-1,697-4,938
Financing Margin %-15%-12%-10%-13%-52%-3%-6%-7%-28%-5%-9%-26%
Other Income1,9771,5511,7371,6731,6961,1481,3521,6212,1741,9162,8242,741
Profit before tax397280712224-4,007840652744-1,5389911,127-2,197
Tax %61%27%50%50%23%37%35%37%36%28%35%36%
Net Profit155203355112-3,102528425471-991710737-1,407
EPS in Rs0.670.881.540.49-13.442.001.601.78-3.752.042.01-3.70
Gross NPA %10.46%11.40%11.16%11.31%12.26%12.46%11.78%11.01%9.61%10.28%10.25%10.43%
Net NPA %4.72%5.17%5.05%4.97%5.49%5.40%4.86%4.26%3.33%3.95%3.91%4.05%

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Expenses -3,5514,3344,2775,7187,3889,81310,58611,82823,93517,28723,98923,16636,790
Manufacturing Cost %0.50%0.69%0.71%0.50%0.57%0.52%0.96%1.10%1.23%1.45%1.70%1.85%
Employee Cost %16.12%15.57%14.08%13.33%10.07%9.80%10.63%9.92%11.30%10.99%10.56%10.09%
Other Cost %13.44%12.46%10.82%12.29%14.26%17.55%15.60%16.51%41.80%28.52%42.70%34.42%
Financing Profit3607891,6633,0842,9291,5021,3801,359-11,196-3,774-8,467-4,482-11,272
Financing Margin %3%5%10%14%10%4%4%3%-25%-9%-19%-9%-16%
Other Income2,0792,7852,8062,8093,3733,6304,4634,4024,9996,7586,6576,0919,655
Profit before tax2,2073,3434,2385,6506,0264,8315,4975,421-6,6982,473-2,673698-1,617
Tax %35%33%28%25%17%7%17%37%19%44%9%38%
Net Profit1,4362,2273,0584,2425,0074,4814,5413,398-5,3961,383-2,432434-952
EPS in Rs7.5811.8916.2421.0623.7420.4920.3614.680.005.990.001.63-3.40
Dividend Payout %20%15%18%15%14%20%20%21%-0%20%-0%0%

Compounded Sales Growth

  • 10 Years:: 12.72%
  • 5 Years:: 5.12%
  • 3 Years:: 4.29%
  • TTM:: 47.59%

Compounded Profit Growth

  • 10 Years:: -15.16%
  • 5 Years:: -37.94%
  • 3 Years:: 27.60%
  • TTM:: 43.26%

Return on Equity

  • 10 Years:: -12.52%
  • 5 Years:: -24.73%
  • 3 Years:: -39.84%
  • 1 Year:: -70.77%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Share Capital -366366366393412423431444462462530530
Equity Capital366366366393412423431444462462530530
Other Liabilities -12,5948,6288,5989,60611,40014,70317,81122,32923,66822,28622,71829,155
Other liability items12,5948,6288,5989,60611,40014,70317,81122,32923,66822,28622,71829,155
Total Liabilities179,600226,672278,317358,397447,321547,135659,505714,989671,376694,875720,000780,987
Fixed Assets -2,4272,3102,2852,3002,3422,4532,7342,8756,2545,7585,3676,990
Gross Block3,8013,9684,2674,5624,9225,3816,0586,54110,49510,95511,40213,811
Accumulated Depreciation1,3741,6581,9822,2622,5802,9283,3243,6674,2415,1976,0346,820
Other Assets -133,302171,917214,850284,701361,771423,289540,658595,301544,672559,487551,448591,699
Cash Equivalents22,29924,08735,46749,93464,16985,399130,878148,353133,900150,47092,89789,230
Loans n Advances4,3024,5784,3476,09010,2259,70412,77418,88327,00225,75731,11933,651
Other asset items106,701143,251175,035228,676287,377328,186397,006428,065383,770383,259427,432468,819
Total Assets179,600226,672278,317358,397447,321547,135659,505714,989671,376694,875720,000780,987

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity -2,1531,12511,25211,77914,40622,79341,01618,021-9,84217,194-61,088-4,120
Profit from operations3,6004,9725,6968,0439,74510,19310,59711,37310,44412,48813,85315,415
Loans Advances-23,606-37,622-32,739-54,692-60,566-44,258-71,788-35,05630,529-7,169-58,384-53,579
Operating investments-8,901-9,008-8,290-9,907-12,216-38,0815,122-6,021-3,918-9,188-34,028-17,679
Operating borrowings2,7841,709-8236,7551,0772,9043,571-2,520-1,417-3,79332,4024,075
Direct taxes-422-1,323-1,504-1,431-1,696-1,732-2,408-2,7521,4971,4141,209-4,139
Other operating items1,5802,035265-1,167-1,3694,7559114,333-3,455-4,195-5,7804,413
Cash from Investing Activity --235-239-335-490-337-772-689-539-3,995-426-563-3,957
Fixed assets purchased-293-208-339-358-435-518-727-608-4,017-732-575-2,617
Fixed assets sold115414021413637683727617299
Investments purchased000000-40-36-61-21-294-1,593
Investment income-68-104-66000000000
Dividends received11322928263841374551133154
Invest in subsidiaries00000-329000000
Other investing items000-181310000000
Cash from Financing Activity -2,1019014623,178165-7905,151-6-616-1984,0794,409
Proceeds from shares0002,4611,6458505501,2601,78605,3755,042
Proceeds from debentures0000006,66300000
Interest paid fin-350-467-559-846-914-930-1,002-1,154-1,174-1,131-1,187-1,187
Dividends paid-252-341-384-639-753-812-1,060-1,084-852000
Other financing items2,7041,7091,4052,2021881020971-376932-109554
Net Cash Flow4,0191,78811,38014,46714,23421,23045,47917,475-14,45316,570-57,573-3,668

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Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %15%18%21%23%21%15%13%9%-13%3%-6%1%

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