Bank of Baroda
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)
- Market Cap ₹ 1,34,533 Cr.
- Current Price ₹ 260
- High / Low ₹ 286 / 173
- Stock P/E 7.61
- Book Value ₹ 190
- Dividend Yield 2.11 %
- ROCE 5.15 %
- ROE 15.3 %
- Face Value ₹ 2.00
Pros
- Company is expected to give good quarter
- Company has delivered good profit growth of 50.2% CAGR over last 5 years
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 8.91% over last 3 years.
- Contingent liabilities of Rs.6,45,466 Cr.
- Company might be capitalizing the interest cost
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Banks Industry: Banks - Public Sector
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 29,674 | 35,197 | 38,940 | 42,964 | 44,061 | 42,200 | 43,649 | 49,771 | 75,984 | 70,495 | 69,881 | 89,589 | 108,879 |
Interest | 19,357 | 23,881 | 26,974 | 29,776 | 31,321 | 28,687 | 28,127 | 31,290 | 48,532 | 41,686 | 37,259 | 48,233 | 64,426 |
7,387 | 9,814 | 10,586 | 11,828 | 23,935 | 17,287 | 23,989 | 23,166 | 37,911 | 34,872 | 33,329 | 29,700 | 33,486 | |
Financing Profit | 2,930 | 1,501 | 1,380 | 1,359 | -11,196 | -3,774 | -8,467 | -4,686 | -10,460 | -6,063 | -708 | 11,656 | 10,968 |
Financing Margin % | 10% | 4% | 4% | 3% | -25% | -9% | -19% | -9% | -14% | -9% | -1% | 13% | 10% |
3,373 | 3,631 | 4,463 | 4,402 | 4,999 | 6,758 | 6,657 | 6,294 | 10,317 | 12,934 | 11,484 | 10,026 | 13,770 | |
Depreciation | 277 | 301 | 345 | 340 | 501 | 511 | 863 | 910 | 1,660 | 1,315 | 1,390 | 1,955 | 0 |
Profit before tax | 6,026 | 4,831 | 5,497 | 5,421 | -6,698 | 2,473 | -2,673 | 698 | -1,802 | 5,556 | 9,386 | 19,727 | 24,738 |
Tax % | 17% | 7% | 17% | 37% | 19% | 44% | 9% | 38% | 130% | 85% | 23% | 28% | |
5,007 | 4,481 | 4,541 | 3,398 | -5,396 | 1,383 | -2,432 | 434 | 546 | 829 | 7,272 | 14,110 | 17,678 | |
EPS in Rs | 24.36 | 21.27 | 21.15 | 15.37 | -23.42 | 6.00 | -9.19 | 1.64 | 1.18 | 1.60 | 14.06 | 27.28 | 34.18 |
Dividend Payout % | 14% | 20% | 20% | 21% | 0% | 20% | 0% | 0% | 0% | 0% | 20% | 20% |
Compounded Sales Growth | |
---|---|
10 Years: | 10% |
5 Years: | 15% |
3 Years: | 6% |
TTM: | 33% |
Compounded Profit Growth | |
---|---|
10 Years: | 12% |
5 Years: | 50% |
3 Years: | 196% |
TTM: | 59% |
Stock Price CAGR | |
---|---|
10 Years: | 5% |
5 Years: | 16% |
3 Years: | 60% |
1 Year: | 44% |
Return on Equity | |
---|---|
10 Years: | 4% |
5 Years: | 6% |
3 Years: | 9% |
Last Year: | 15% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 412 | 423 | 431 | 444 | 462 | 462 | 530 | 530 | 925 | 1,036 | 1,036 | 1,036 |
Reserves | 27,064 | 31,547 | 35,555 | 39,392 | 39,737 | 39,841 | 42,864 | 50,453 | 70,931 | 76,010 | 84,874 | 97,187 |
408,444 | 500,463 | 605,707 | 652,824 | 607,510 | 632,287 | 653,887 | 705,891 | 1,039,054 | 1,033,845 | 1,149,838 | 1,305,598 | |
11,400 | 14,703 | 17,811 | 22,329 | 23,668 | 22,286 | 22,718 | 24,113 | 47,006 | 44,474 | 42,252 | 54,740 | |
Total Liabilities | 447,321 | 547,135 | 659,505 | 714,989 | 671,376 | 694,875 | 720,000 | 780,987 | 1,157,916 | 1,155,365 | 1,278,000 | 1,458,562 |
2,342 | 2,453 | 2,734 | 2,875 | 6,254 | 5,758 | 5,367 | 6,990 | 8,889 | 8,016 | 9,922 | 8,707 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 83,209 | 121,394 | 116,113 | 116,812 | 120,451 | 129,631 | 163,185 | 182,298 | 274,615 | 261,220 | 315,795 | 362,485 |
361,771 | 423,289 | 540,658 | 595,301 | 544,672 | 559,487 | 551,448 | 591,699 | 874,412 | 886,128 | 952,283 | 1,087,370 | |
Total Assets | 447,321 | 547,135 | 659,505 | 714,989 | 671,376 | 694,875 | 720,000 | 780,987 | 1,157,916 | 1,155,365 | 1,278,000 | 1,458,562 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
14,406 | 22,793 | 41,016 | 18,021 | -9,842 | 17,194 | -61,088 | -4,120 | 17,941 | -4,609 | 7,529 | -19,664 | |
-337 | -772 | -689 | -539 | -3,995 | -426 | -563 | -3,957 | 141 | -269 | -3,967 | -1,563 | |
165 | -790 | 5,151 | -6 | -616 | -198 | 4,079 | 4,409 | 14,590 | 3,390 | -1,319 | -5,725 | |
Net Cash Flow | 14,234 | 21,230 | 45,479 | 17,475 | -14,453 | 16,570 | -57,573 | -3,668 | 32,672 | -1,488 | 2,242 | -26,952 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 21% | 15% | 13% | 9% | -13% | 3% | -6% | 1% | 1% | 1% | 9% | 15% |
Documents
Announcements
- Announcement under Regulation 30 (LODR)-Newspaper Publication 19 Apr
- Announcement under Regulation 30 (LODR)-Credit Rating 18 Apr
- Compliance Certificate For The Year Ended 31.03.2024 16 Apr
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 16 Apr
- Notice Of Extraordinary General Meeting 15 Apr
Annual reports
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Financial Year 2023
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
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Financial Year 2010
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Concalls
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Third Largest PSU Bank [1] Established in 1908, BOB is a public sector bank with a 63.97% stake by the GOI. In FY19, the bank was amalgamated with Vijaya Bank, and Dena Bank and became India's third-largest PSU Bank.