Shares Bazaar

Bank Of Baroda

NSE   0.00  
OPEN PRICE(₹)
0.00
HIGH PRICE(₹)
0.00
LOW PRICE(₹)
0.00
CLOSE PRICE(₹)
0.00
VOLUME
0.00
52 WK LOW (₹)
36 (20-05-2020)
52 WK HIGH (₹)
92.75 (07-02-2020)
BSE   70.55  
OPEN PRICE₹)
71.4
HIGH PRICE(₹)
71.7
LOW PRICE (₹)
69.85
CLOSE PRICE(₹)
70.55
VOLUME
1353700
VALUE
95605600
BID QTY
0
OFFER QTY
0

Stock Summary

Trade Value (₹ in Lacs) : 2147.48 MCap (₹ in Mn) : 308422.82 Dividend Yield(%) : 0 Price/Earning (TTM) : 12.95
TTM EPS (₹) : 0 Price/Sales (TTM) : 0 P/E Ratio : 0 Price/Book (MRQ) : 0.42
Book Value(₹) : 0 Face Value(₹) : 0 Latest Reserve (₹ in Mn): 717579.7 EPSc : 1.18
PE : 56.47 TTMNP : 23820.4 TTMTAX : -12288.7 TTMINTEREST : 440084
TTMDEPRECIATION : 0 TTMNetSales : 728789.1 EV_Sales : 1.25 EV (in Mn) : 912657.35
TTMEBITDA : 205832.1 EV_EBITDA : 4.43 TTMCashProfit : 23820.4 TTMCEPS : 5.16
Price_CEPS : 12.95 TTMNPAEX : 23820.4

Peer Group Compare

Comp. Name Price M.Cap Div Yld % P/E Ratio Price/Earning (TTM) TTM EPS (₹)
State Bank Of India (BSE)

358.2 ( 0.76%)

252031.03 0 0 14.06 20.09
Punjab National Bank (BSE)

36.2 ( -0.55%)

34157.24 0 0 0 -0.25
Canara Bank (BSE)

144.35 ( 0.63%)

21078.25 0 0 0 -10.4
Union Bank Of India (BSE)

34.5 ( -4.56%)

18900.19 0 0 0 -1.68
Indian Overseas Bank (BSE)

15.85 ( 0.32%)

17012.28 0 0 0 -3.48

Management Info

Chairman : Hasmukh Adhia
Managing Director : Sanjiv Chadha
Company Secretory :
Incorporation Year : 1911

Registered Office

Address : Baroda Bhavan
Alkapuri

City-Pincode : Vadodara-390007
Phone :
Website : www.bankofbaroda.in
Email : ed.bb@bankofbaroda.com

Registrars Details

Registrars Details : K FIN Technologies Pvt Ltd.-(Karvy Fintech Pvt Ltd.)
Address : Karvy Selenium Tower B, Plot 31-32Gachibowli,Financial District, NanakramgudaHyderabad – 500032Tel. No. 040 67161500Fax. No. 040 23001153E-mail: einward.ris@karvy.comWebsite: www.karvy.comToll Free No. of exclusive Call Centre:1-800-345001
Listing : BSE, NSE, MCX

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Balance Sheet

(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
SOURCES OF FUNDS:
Share Capital 9253.75 5303.64 5303.64 4620.93 4620.93
  Equity - Authorised 30000 30000 30000 30000 30000
  Equity - Issued 9268.47 5318.37 5318.37 4635.65 4635.65
 Equity Paid Up 9241.13 5291.03 5291.03 4608.32 4608.32
  Equity Shares Forfeited 12.61 12.61 12.61 12.61 12.61
  Adjustments to Equity 0.00 0.00 0.00 0.00 0.00
  Preference Capital Paid Up 0 0 0 0 0.00
  Face Value 0 0 0 0 0
Share Warrants & Outstandings 0.00 0.00 0.00 0.00 0.00
Total Reserves 751789.23 494237.56 460358.69 426054.79 420410.69
  Securities Premium 382211.52 161325.55 160929.38 107862.09 107862.09
  Capital Reserves 95544.84 61939.68 46264.28 50253.63 10475.78
  Profit & Loss Account Balances -100574.3 11094.02 9422.62 7479.93 6190.49
  General Reserves 0.00 0.00 0.00 0.00 0.00
Reserve excluding Revaluation Reserve 751789.23 494237.56 460358.69 426054.79 379032.09
Revaluation Reserves 0 0 0 0 41378.6
Deposits 9732281.49 6655886.85 6074513.65 6172568.67 5866904.68
  Demand Deposits 660619.74 482301.03 472526.61 437355.55 355441.35
  Savings Deposit 2748354.64 1821200.7 1691677.41 1543271.11 1194593
  Term Deposits / Fixed Deposits 6323307.11 4352385.13 3910309.63 4191942.01 4316870.33
  Current Deposits 0.00 0.00 0.00 0.00 0.00
  Recurring Deposits 0.00 0.00 0.00 0.00 0.00
  Other Deposits 0.00 0.00 0.00 0.00 0.00
Borrowings 957526.99 688675.32 648598.17 312420.02 338452.26
  Borrowings From Reserve Bank of India 457920 275000 265290 0.00 0.00
  Borrowings From Other Banks 91937.84 71191.13 76880.48 4249.15 3959.11
  Borrowings From GOI 0.00 0.00 0.00 0.00 0.00
  Borrowings From Other Financial Institutions 86492.04 79301.85 60972.13 22225.12 8443.4
  Borrowings in the form of Bonds / Debentures 213900 124180 122617 124117 113317
  Borrowings in Other Form 0.00 0.00 0.00 0.00 0.00
Other Liabilities & Provisions 544708.16 298782.43 286549.8 274215.45 279465.28
  Bills Payable 21532.85 19266.9 20428.27 22004.64 17419.29
  Inter-office adjustment Liabilities 39190.57 10831.25 5683.45 12582.25 3919.36
  Interest Accrued 51371.19 38481.05 34473.44 34365.4 39927.22
  Proposed Dividend 0.00 0.00 0.00 3327.88 0.00
  Corporate dividend tax payable 0.00 0.00 0.00 0.00 0.00
  Other Liabilities & Provisions 0.00 0.00 0.00 0.00 0.00
Total Liabilities 11999421.36 8196719.45 7478049.19 7192205.13 6911790.75
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India 342447.82 282253.46 240349.89 239151.35 228107.53
  Cash with RBI 293568.27 247664.05 208856.09 208635.49 189536.12
  Cash in hand & others 48879.55 34589.41 31493.8 30515.86 38571.42
Balances with banks and money at call 967602.91 696594.94 733877.58 1301998.65 1141883.01
Investments 2897267.23 1957162.4 1751372.28 1407164.33 1288940.57
Investments in India 2711815.48 1801684.27 1624094.34 1290106.26 1167818.54
  GOI/State Govt. Securities 2469792.37 1616755.44 1435414.42 1139389.87 1030900.91
  Equity Shares - Corporate 37377.42 33715.79 26887.87 23574.59 18828.03
  Debentures & Bonds 122970.97 85375.87 87154.73 42893.55 36688.93
  Subsidiaries and/or joint ventures/Associates 10658.43 9171.92 8698.67 7989.99 7364.96
  Units - MF/ Insurance/CP/PTC 37861.22 21169.26 0.00 0.00 0.00
Investments outside India 185451.75 155478.13 127277.94 117058.07 121122.03
  Government securitiesC 114580.4 97808.06 85434.81 73301.65 64816.96
  Subsidiaries and/or joint ventures abroad 484.74 1007.62 986.25 933.85 781.63
  Other investments outside India 70386.62 56662.45 40856.88 42822.58 55523.45
  Less: Prov for Diminution in Value of Invest. 0.00 0.00 0.00 0.00 0.00
Advances 7065397.29 4842148.11 4379412.6 3922622.97 3914859.85
  Bills Purchased & Discounted 331958.91 264010.03 452033.37 469933.08 500081.13
  Cash Credit, Over Draft & Loans repayable 2718018.53 2079424.14 1959054.76 1632470.94 1721865.9
  Term Loans 4015419.85 2498713.94 1968324.47 1820218.94 1692912.82
  Finance lease and hire purchase receivable 0.00 0.00 0.00 0.00 0.00
Gross block 203113.41 142234.69 117877.24 113183.89 107680.78
  Premises 120758.25 83775.9 64380.72 63873.95 62884.35
  Assets Given on Lease 0.00 0.00 0.00 0.00 0.00
  Other Fixed Assets 82355.16 58458.79 53496.52 49309.94 44796.43
Less: Accumulated Depreciation 112675.57 70797.61 62554.43 53887.14 44089.06
Net Block 90437.85 71437.08 55322.81 59296.75 63591.72
Less: Impairment of Assets 0.00 0.00 0.00 0.00 0.00
Lease Adjustment 0.00 0.00 0.00 0.00 0.00
Capital Work in Progress 0.00 0.00 0.00 0.00 0.00
Other Assets 636268.27 347123.46 317714.03 261971.09 274408.07
  Inter-office adjustment Assets 0.00 0.00 0.00 0.00 0.00
  Interest Accrued Assets 69955.53 62566.09 81345.28 51692.36 54926.56
  Tax paid in advance/TDS 84366.04 59935.2 21311.93 28978.53 53934.28
  Stationery and stamps 93.5 59.88 89.03 91.91 100.37
  Non-banking assets acquired 0.00 0.00 0.00 0.00 0.00
  Deferred tax asset 145746.26 74465.52 63522.63 43357.02 32629.85
  Miscellaneous Expenditure not written off 0.00 0.00 0.00 0.00 0.00
Total Assets 11999421.36 8196719.45 7478049.19 7192205.13 6911790.75
Contingent Liabilities 3251736.54 3815434.93 2990233.83 2533946.01 2298069.56
  Claims not acknowledged as debts 190015.08 29266.59 2194.14 2082.19 3893.11
  Outstanding forward exchange contracts 1684783.45 2609445.32 1708354.91 1578770.84 1423402.05
  Guarantees given in India 53473.83 266440.94 296860.22 200485.6 210338.41
  Guarantees given Outside India 17385.85 46096.99 106077.96 55992.44 120497.19
  Acceptances, endorsements & other obligations 103526.95 227596.92 216173.97 184370.6 168965.67
Bills for collection 522853.93 492128.58 458594.4 376808.13 324421.2
Book Value 0.16 0.19 0.18 0.19 0.17
Adjusted Book Value 0.16 0.19 0.18 0.19 0.17
(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
SOURCES OF FUNDS:
Share Capital 9253.75 5303.64 5303.64 4620.93 4620.93
  Equity - Authorised 30000 30000 30000 30000 30000
  Equity - Issued 9268.47 5318.37 5318.37 4635.65 4635.65
 Equity Paid Up 9241.13 5291.03 5291.03 4608.32 4608.32
  Equity Shares Forfeited 12.61 12.61 12.61 12.61 12.61
  Adjustments to Equity 0.00 0.00 0.00 0.00 0.00
  Preference Capital Paid Up 0.00 0.00 0.00 0.00 0.00
  Face Value 0 0 0 0 0
Share Warrants & Outstandings 0.00 0.00 0.00 0.00 0.00
Total Reserves 100000 100000 100000 100000 100000
  Securities Premium 100000 100000 100000 100000 100000
  Capital Reserves 94760.3 60776.72 45095.56 49291.77 9995.63
  Profit & Loss Account Balances 0 0 0 0 0
  General Reserves 0 0 0 0 0
Reserve excluding Revaluation Reserve 100000 100000 100000 100000 100000
Revaluation Reserves 0.00 0.00 0.00 0.00 41262.1
Deposits 9459844.26 6386897.17 5913148.22 6016751.73 5740378.72
  Demand Deposits 645806.2 469007.26 460618.67 425192.7 346290.62
  Savings Deposit 2692430.46 1768936.47 1657167.04 1509764.91 1167054.1
  Term Deposits / Fixed Deposits 6121607.6 4148953.44 3795362.52 4081794.12 4227034.01
  Current Deposits 0.00 0.00 0.00 0.00 0.00
  Recurring Deposits 0.00 0.00 0.00 0.00 0.00
  Other Deposits 0.00 0.00 0.00 0.00 0.00
Borrowings 930693.06 672012.98 625719.72 306114.4 334717
  Borrowings From Reserve Bank of India 457920 275000 265290 0.00 0.00
  Borrowings From Other Banks 92437.78 73217.03 77735.99 5449.15 3879.85
  Borrowings From GOI 0.00 0.00 0.00 0.00 0.00
  Borrowings From Other Financial Institutions 46116.85 44528.58 34525.06 9610.12 1932.25
  Borrowings in the form of Bonds / Debentures 213900 124180 122617 124117 113317
  Borrowings in Other Form 0.00 0.00 0.00 0.00 0.00
Other Liabilities & Provisions 470055.64 241132.93 227182.05 222855.57 236679.19
  Bills Payable 21224.86 18899 19949.15 21402.15 16755.88
  Inter-office adjustment Liabilities 36093.78 25614.95 5682.98 12574.06 3938.46
  Interest Accrued 48562.08 36150.96 33427.33 33585.57 39279.97
  Proposed Dividend 0.00 0.00 0.00 3327.88 0.00
  Corporate dividend tax payable 0.00 0.00 0.00 0.00 0.00
  Other Liabilities & Provisions 0 0 0 0 0
Total Liabilities 100000 100000 100000 100000 100000
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India 326458.53 266617.28 226996.4 227802.13 216724.15
  Cash with RBI 278842.51 233249.96 196751.72 198248.48 179159.7
  Cash in hand & others 47616.02 33367.32 30244.68 29553.65 37564.45
Balances with banks and money at call 892552.68 625678.87 701977.39 1276896.99 1122279.35
Investments 100000 100000 100000 100000 100000
Investments in India 2620174.39 1707468.1 1540128.98 1213978.59 1108851.7
  GOI/State Govt. Securities 2440560.72 1589038.39 1407784.73 1109846.69 1004283.64
  Equity Shares - Corporate 27889.08 22657.4 18585.13 17044.29 12598.92
  Debentures & Bonds 100288.52 61139.43 66190.47 29274.13 25585.95
  Subsidiaries and/or joint ventures/Associates 14449.2 14245.28 11101.75 9225.64 9011.14
  Units - MF/ Insurance/CP/PTC 36972.73 20374.79 36454.11 48575.05 57359.26
Investments outside India 125971.75 115512.72 91716.32 82326.81 95653.51
  Government securitiesC 41134.07 37524.44 42211.13 31661.38 32234.31
  Subsidiaries and/or joint ventures abroad 20238.66 21855.81 9067.26 8001.08 8001.08
  Other investments outside India 64599.03 56132.47 40437.93 42664.35 55418.12
  Less: Prov for Diminution in Value of Invest. 0.00 0.00 0.00 0.00 0.00
Advances 6901207.34 4688187.36 4274318.31 3832592.23 3837701.8
  Bills Purchased & Discounted 331675.42 263698.01 451792.3 469732.33 499798.85
  Cash Credit, Over Draft & Loans repayable 2648339.51 2019458.9 1911675.65 1584805.08 1679874.48
  Term Loans 3921192.41 2405030.45 1910850.37 1778054.82 1658028.47
  Finance lease and hire purchase receivable 0.00 0.00 0.00 0.00 0.00
Gross block 100000 100000 100000 100000 100000
  Premises 100000 82847.23 63491.17 62943.88 62293.96
  Assets Given on Lease 0.00 0.00 0.00 0.00 0.00
  Other Fixed Assets 79070.73 55258.46 50525.17 46608.64 42653.72
Less: Accumulated Depreciation 100000 68202.74 60342.42 51968.79 42409.92
Net Block 88892.91 69902.95 53673.92 57583.74 62537.76
Less: Impairment of Assets 0 0 0 0 0
Lease Adjustment 0.00 0.00 0.00 0.00 0.00
Capital Work in Progress 0 0 0 0 0
Other Assets 623897.56 336506.76 311186.39 257573.75 270016.5
  Inter-office adjustment Assets 0.00 0.00 0.00 0.00 0.00
  Interest Accrued Assets 66781.83 60018.15 79215.17 50055.68 53467.03
  Tax paid in advance/TDS 82749.19 58819.2 20072.46 28576.9 53607.68
  Stationery and stamps 93.21 59.56 88.21 90.54 99.04
  Non-banking assets acquired 0.00 0.00 0.00 0.00 0.00
  Deferred tax asset 0.00 0.00 0.00 0.00 0.00
  Miscellaneous Expenditure not written off 0.00 0.00 0.00 0.00 0.00
Total Assets 100000 100000 100000 100000 100000
Contingent Liabilities 100000 100000 100000 100000 100000
  Claims not acknowledged as debts 100000 29192.71 2111.2 1881.06 3719.51
  Outstanding forward exchange contracts 1654432.96 2606372.55 1708061.77 1578200.41 1423201.33
  Guarantees given in India 52619.72 265722.26 296070.3 199985.39 210067.97
  Guarantees given Outside India 11873.71 41301 102118.57 51445.25 115306.81
  Acceptances, endorsements & other obligations 100519.65 224337.73 213781.29 181795.11 166793.79
Bills for collection 520097.35 490599.31 457796.92 375994.19 323437.43
Book Value 0.16 0.17 0.16 0.17 0.16
Adjusted Book Value 0.16 0.17 0.16 0.17 0.16

Quarterly Results

Particulars Sep-2020 Jun-2020 Mar-2020 Feb-2019
Date End Audited Audited Audited Audited
Interest Earned 188372.50 195236.50 191041.80 199905.30
Income On Investments 47616.30 51049.20 44892.90 49806.30
Interest On Balances With Rbi Other Inter Bank Funds 4000.00 5517.90 5319.90 4831.80
Interest / Discount On Advances / Bills 131807.5 134342.7 136421.2 139243.5
Others 4948.7 4326.7 4407.8 6023.7
Other Income 30165.4 21610.6 34856.6 31441.4
Total Income 218537.9 216847.1 225898.4 231346.7
Interest Expended 107969.2 120553.4 123187.5 123148.2
Operating Expenses 55470.8 46951.4 50729.5 55639.4
Total Expenditure 55470.8 46951.4 50729.5 55639.4
Operating Profit Before Provisions and Contingencies 55097.9 49342.3 51981.4 52559.1
Exceptional Items 0 0 0 0
Provisions and contingencies 27762.1 59790.9 69317.6 72336.2
Profit Before Tax 27335.8 -10448.6 -17336.2 -19777.1
Tax 9392.8 -3945.9 -22147.2 -7588.4
Profit After Tax 17943 -6502.7 4811 -12188.7
+/- Extraordinary Items 0 0 0 0
+/- Prior period items 0 0 0 0
Net Profit 17943 -6502.7 4811 -12188.7
Minority Interest -147.1 -183.4 -48.6 -195.7
Shares of Associates -83.8 -101 -168.2 194
Other related items 0 0 0 0
Misc. Expenses Written off 0.00 0.00 0.00 0.00
Consolidated Net Profit 17943 -6502.7 4811 -12188.7
Equity Capital 17712.1 -6787.1 4594.2 -12190.4
Face Value (IN RS) 2 2 2 2
Reserves 0 0 0 0
% of Shares held by Govt 71.6 71.6 71.6 71.6
Capital Adequacy Ratio 14 13.6 13.87 13.98
Gross / Net NPAs 0.00 0.00 0.00 0.00
Amount of Gross NPAs 0.00 0.00 0.00 0.00
Amount of Net NPAs 0 0 0 0
% of Gross / Net NPAs NA NA NA NA
% of Net NPAs 0 0 0 0
% of Gross NPAs 0 0 0 0
Return on Assets 0 0 0 0
No of Public Share Holdings NA NA NA NA
% of Public Share Holdings NA NA NA NA
Basic Eps After Extraordinary Items 3.83 -1.47 0.86 -3.2
Basic Eps Before Extraordinary Items 3.83 -1.47 0.86 -3.2
PBIDTM% 71.83 56.4 55.41 26.29
PBDTM% 14.51 -5.35 -9.07 -9.89
PBTM% 14.51 -5.35 -9.07 -9.89
PATM% 9.53 -3.33 2.52 -6.1
Particulars Sep-2020 Jun-2020 Mar-2020 Feb-2019
Date End Audited Audited Audited Audited
Interest Earned 179175.9 184941.6 186984.4 190679.1
Income On Investments 42567.5 45146.7 44637.7 45690.5
Interest On Balances With Rbi Other Inter Bank Funds 3342 4713.5 4288 3725
Interest / Discount On Advances / Bills 128379.9 130795 132916.2 135831
Others 4886.5 4286.4 5142.5 5432.6
Other Income 9999.9 9999.9 9999.9 9999.9
Total Income 207198.5 203124.4 215331 218090.8
Interest Expended 9999.9 9999.9 9999.9 9999.9
Operating Expenses 47579.7 43144.1 45120.3 49117.5
Total Expenditure 47579.7 43144.1 45120.3 49117.5
Operating Profit Before Provisions and Contingencies 55518.2 43199.4 51208.1 49584.7
Exceptional Items 0 0 0 0
Provisions and contingencies 30015.9 56277 68440.7 71554.2
Profit Before Tax 25502.3 -13077.6 -17232.6 -21969.5
Tax 8716.3 -4435 -22298.5 -7900
Profit After Tax 16786 -8642.6 5065.9 -14069.5
+/- Extraordinary Items 0.00 0.00 0.00 0.00
+/- Prior period items 0.00 0.00 0.00 0.00
Net Profit 16786 -8642.6 5065.9 -14069.5
Minority Interest 0.00 0.00 0.00 0.00
Shares of Associates 0.00 0.00 0.00 0.00
Other related items 0.00 0.00 0.00 0.00
Misc. Expenses Written off 0.00 0.00 0.00 0.00
Consolidated Net Profit 16786 -8642.6 5065.9 -14069.5
Equity Capital 16786 -8642.6 5065.9 -14069.5
Face Value (IN RS) 2 2 2 2
Reserves 0 0 0 0
% of Shares held by Govt 71.6 71.6 71.6 71.6
Capital Adequacy Ratio 13.26 12.84 13.3 13.48
Gross / Net NPAs 0.00 0.00 0.00 0.00
Amount of Gross NPAs 0.00 0.00 0.00 0.00
Amount of Net NPAs 167949.3 194496.6 215765.9 265040
% of Gross / Net NPAs NA NA NA NA
% of Net NPAs 2.51 2.83 3.13 4.05
% of Gross NPAs 9.14 9.39 9.4 10.43
Return on Assets 0.00 0.00 0.00 0.00
No of Public Share Holdings NA NA NA NA
% of Public Share Holdings NA NA NA NA
Basic Eps After Extraordinary Items 3.63 -1.87 0.95 -3.7
Basic Eps Before Extraordinary Items 3.63 -1.87 0.95 -3.7
PBIDTM% 72.33 56.07 54.43 26
PBDTM% 14.23 -7.07 -9.22 -11.52
PBTM% 14.23 -7.07 -9.22 -11.52
PATM% 9.37 -4.67 2.71 -7.38

Profit-Loss

-
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
I. INCOME
Interest Earned 788946.98 529062.49 460564.15 444734.51 457989.9
     Interest / Discount on advances / Bills 554910.73 356232 301064.27 284835.13 307000.66
     Interest on balances with RBI and other Inter-bank funds 21601.51 20132.19 26202.19 21711.43 14698.78
     Income on investments 192335.96 141752.31 115666.42 117090.24 113339.29
     Others 20098.78 10945.98 17631.27 21097.72 22951.17
Other Income
     Commission,exchange and brokerage 26761.47 21396.87 19267.46 16909.37 15918.48
     Profit / (loss)on sale of investments(net) 27778.41 9977.34 18937.6 26510.2 11895.65
     Profit on sale of Fixed Assets 35.66 154.33 896.67 779.63 22.11
     Foreign Exchange Gains 10207.71 7238.92 9337.81 10029.88 12773.55
     Income earned from subsidiaries/joint venture 0 0 0 0 0
     Rent / Lease Income
     Provisions Written Back 0 0 0 0 0
     Miscellaneous income -365739951 -236611512 -239766375 -238103334 -179765256
Total Income 910860.29 607933 540486.28 524102.29 517911.65
II. EXPENDITURE
Interest Expended 500398.91 325057.17 291604.84 295957.27 321074.4
     Intereston Deposits 448564.84 285723.06 268657.06 276299.7 299821.22
     Interest on RBI / inter-bank borrowings 26834.84 21044.86 5714.08 3066.74 3403.42
     Other Interest 24999.22 18289.26 17233.71 16590.83 17849.77
Operating Expenses 205762.81 127689.67 113265.82 103498.04 99624.19
     Payments to and provisions for employees 92792.41 54341.18 49015.8 48886.62 52010.46
     Rent,Taxes and lighting 15839.73 10986.36 10649.5 9891.29 9039.13
     Depreciation on Banks property 16972.27 9482.5 9006.9 5399.74 5251.09
     Depreciation on leased assets
     Auditor's fees and expenses 1079.74 661.8 601.76 610.74 607.01
     Law charges 1688.58 1686.19 984.75 670.43 582.97
     Communication Expenses 2143.98 1197.18 1649.81 1756.36 1634.65
     Repairs and Maintenance 11475.31 9383.12 7555.51 6252.18 5507.42
     Insurance 10811.55 7166.83 6286.8 5198.42 5031.65
     Other expenses 52959.23 32784.51 27514.99 24832.27 19959.81
Provisions and Contingencies 217037.64 139940.31 156672.44 94403.55 159539.74
     Provision for investments 10174.2 1651.4 7684.2 344.6 3403.8
     Provision for advances
     Others Provisions 206863.44 138288.91 148988.24 94058.95 156135.94
Profit Before Tax 833261.83 550505.81 518819.69 426046.61 456001.18
Taxes -21760.9 4375.1 -1936.2 12469.3 -11795.8
     Current Income Tax -21760.9 4375.1 -1936.2 12469.3 -11795.8
     Deferred Tax
     Other taxes 0 0 0 0 0
Profit After Tax 9421.84 10870.74 -19120.63 17774.13 -50530.88
Extra items
Minority Interest -529.62 -661.66 -512.86 -400.04 -346.88
Share of Associate 385.28 791.93 762.41 775.68 200.93
Other Consolidated Items
Consolidated Net Profit 9277.51 11001.01 -18871.07 18149.77 -50676.82
Adjustments to PAT
IV. APPROPRIATIONS
     Transfer to Statutory Reserve 1498.99 1421.57 320.61 4278.67 430.83
     Appropriation to General Reserve
     Appropriation to Revenue Reserve -3314.12 4638.29 -21150.15 2187.94 -51785.78
     Appropriation to Other Reserves
     Equity Dividend 3327.88
     Corporate dividend tax
     Other appropriations 22186.66 14363.77 9438.4 14545.78 6212.12
Equity Dividend % 60.00
Earnings Per Share 2.0079 4.1584 -7.1332 7.8770 -21.9936
Adjusted EPS 2.0079 4.1584 -7.1332 7.8770 -21.9936
-
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
I. INCOME
Interest Earned 759836.55 497706.06 436485.42 421999.3 440612.77
     Interest / Discount on advances / Bills 541157.73 343889.66 290698.21 275239.28 297962.32
     Interest on balances with RBI and other Inter-bank funds 17687.33 17352.04 24147.9 19908.6 13059.23
     Income on investments 180973.57 127867.16 104201.57 105963.35 106732.23
     Others 20017.93 8597.21 17437.74 20888.07 22858.99
Other Income
     Commission,exchange and brokerage 25902.68 19894.46 17845.36 15661.01 15014.86
     Profit / (loss)on sale of investments(net) 27507.1 9894.55 18776.18 26180.08 11788.6
     Profit on sale of Fixed Assets 36.96 153.55 695.94 779.88 21.59
     Foreign Exchange Gains 10161.5 6931.5 9092.18 9758.95 12523.12
     Income earned from subsidiaries/joint venture 0 0 0 0 0
     Rent / Lease Income
     Provisions Written Back 0 0 0 0 0
     Miscellaneous income -400000000 -251779792 -266286112 -270322432 -199954464
Total Income 100000 100000 100000 100000 100000
II. EXPENDITURE
Interest Expended 100000 100000 100000 100000 100000
     Intereston Deposits 436565.9 276211.06 260079.44 267835.07 292001.1
     Interest on RBI / inter-bank borrowings 26859.37 21107.56 5758.49 3148.26 3450.26
     Other Interest 21898.43 15584.39 15429.74 15881.87 17762.9
Operating Expenses 180771.91 112879.78 101733.7 92964.02 89231.37
     Payments to and provisions for employees 87695.23 50391.32 46068.72 46377.72 49780.26
     Rent,Taxes and lighting 15175.22 10386.7 10110.84 9399.78 8620.23
     Depreciation on Banks property 16596.46 9103.79 8630.78 5113.49 5013.27
     Depreciation on leased assets
     Auditor's fees and expenses 1001.57 606.81 564.09 573.74 576.99
     Law charges 1592.97 1597.64 905.04 625.48 546.12
     Communication Expenses 1974.45 1074.55 1561.25 1669.12 1543.22
     Repairs and Maintenance 11325.11 9228.26 7418.18 6128.31 5397.79
     Insurance 10620.11 7000.62 6101.67 5058.61 4900.86
     Other expenses 34790.79 23490.1 20373.14 18017.78 12852.62
Provisions and Contingencies 214935.21 127886.7 147963 85023.73 155136.44
     Provision for investments 9867.4 1586.2 7682 293.1 3414.6
     Provision for advances
     Others Provisions 205067.81 126300.5 140281 84730.63 151721.84
Profit Before Tax 395707.12 240766.48 249696.7 177987.76 244367.81
Taxes -23482.9 2646.3 -3589.3 10895.6 -13025.3
     Current Income Tax -23482.9 2646.3 -3589.3 10895.6 -13025.3
     Deferred Tax 0 0 0 0 0
     Other taxes 0 0 0 0 0
Profit After Tax 5461.88 4335.23 -24318.12 13831.36 -53955.37
Extra items
Minority Interest
Share of Associate
Other Consolidated Items
Consolidated Net Profit 5461.88 4335.23 -24318.12 13831.36 -53955.37
Adjustments to PAT
IV. APPROPRIATIONS
     Transfer to Statutory Reserve 1458.52 1083.81 3457.84
     Appropriation to General Reserve -5603.28 -24318.12 -53955.37
     Appropriation to Revenue Reserve
     Appropriation to Other Reserves 0 0 0 0 0
     Equity Dividend 3327.88
     Corporate dividend tax
     Other appropriations 9606.63 3251.42 7045.64 0
Equity Dividend % 0 0 0 60 0
Earnings Per Share 1.18 1.64 -9.19 6.00 -23.42
Adjusted EPS 1.18 1.64 -9.19 6.00 -23.42

Financial Ratios

Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Operational & Financial Ratios
Earnings Per Share (Rs) 2.01 4.16 -7.13 7.88 -21.99
DPS(Rs) 0 0 0 1.2 0
Book NAV/Share(Rs) 164.7 188.82 176.01 186.91 166.5
Margin Ratios
Yield on Advances 11.17 10.93 10.52 11.34 11.7
Yield on Investments 7.6 7.75 7.69 10.2 9.72
Cost of Liabilities 4.68 4.43 4.34 4.56 5.17
NIM 2.56 2.62 2.38 2.17 2.08
Interest Spread 6.49 6.5 6.18 6.77 6.52
Performance Ratios
ROA(%) 0.09 0.14 -0.26 0.25 -0.71
ROE(%) 1.49 2.25 -4.27 4.37 -12.73
ROCE(%) 2.67 4.64 0.2 6.62 -5.34
Efficiency Ratios
Cost Income Ratio 50.13 45.14 45.51 45.37 50.61
Core Cost Income Ratio 53.77 46.79 49.26 51.33 53.87
Operating Costs to Assets 1.71 1.56 1.51 1.44 1.44
Capital Adequacy
Basel I
Total CAR (Basel I) 0 0 0 0 0
Tier-1 (Basel I) 0 0 0 0 0
Tier-2 (Basel I) 0 0 0 0 0
Basel II
Total CAR (Basel II) 0 0 0 0 0
Tier-1 (Basel II) 0 0 0 0 0
Tier-2 (Basel II) 0 0 0 0 0
Basel III
Total CAR (Basel III) 0 0 0 0 0
Tier - 1 (Basel III) 0 0 0 0 0
Tier - 2 (Basel III) 0 0 0 0 0
Valuation Parameters
PER(x) 26.67 30.97 0 21.96 0
PCE(x) 9.37 16.74 -37.2 17.2 -7.49
Price/Book(x) 0.33 0.68 0.81 0.93 0.88
Yield(%) 0 0 0 0.69 0
EV/Net Sales(x) 1.53 1.95 2.23 1.6 1.48
EV/Core EBITDA(x) 5.89 6.63 7.56 5.7 6.97
EV/EBIT(x) 2.47 3.03 3.79 2.18 2.62
EV/CE(x) 0.1 0.13 0.14 0.1 0.1
M Cap / Sales 0.31 0.64 0.82 0.9 0.74
Growth Ratio
Core Operating Income Growth 41.44 20.74 13.57 8.66 -4.71
Operating Profit Growth -65.5 0.91 -17.67 30.7 -56.09
Net Profit Growth -13.33 156.85 -207.58 135.17 -231.84
BVPS Growth -12.77 7.28 -5.83 12.26 -10.21
Advances Growth 45.91 10.57 11.65 0.2 -10.09
EPS Growth(%) -51.71 158.3 -190.56 135.81 -224.34
Liquidity Ratios
Loans/Deposits(x) 0.1 0.1 0.11 0.05 0.06
Total Debt/Equity(x) 0.04 0.04 0.04 0.04 0.04
Current Ratio(x) 0.3 0.29 0.29 0.23 0.22
Quick Ratio(x) 9.84 10.35 10.68 5.06 5.77
Interest Cover(x)
Total Debt/Mcap(x) 0 0 0 0 0
Net NPA in Rs. Million 0 0 0 0 0
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Operational & Financial Ratios
Earnings Per Share (Rs) 1.18 1.64 -9.19 6 -23.42
DPS(Rs) 0 0 0 1.2 0
Book NAV/Share(Rs) 100 100 100 100 100
Margin Ratios
Yield on Advances 11.01 10.62 10.21 11.01 11.48
Yield on Investments 7.59 7.56 7.54 10.19 9.84
Cost of Liabilities 4.67 4.43 4.3 4.54 5.16
NIM 2.53 2.5 2.27 2.04 2
Interest Spread 6.34 6.18 5.91 6.47 6.33
Performance Ratios
ROA(%) 0.06 0.06 -0.34 0.2 -0.78
ROE(%) 0.93 0.97 -5.81 3.62 -14.4
ROCE(%) 2.17 3.9 -0.76 6.05 -6.15
Efficiency Ratios
Cost Income Ratio 47.86 45.56 45.87 45.86 50.3
Core Cost Income Ratio 51.62 47.46 50.11 52.66 53.88
Operating Costs to Assets 1.56 1.45 1.41 1.34 1.33
Capital Adequacy
Basel I
Total CAR (Basel I) 0 0 0 0 0
Tier-1 (Basel I) 0 0 0 0 0
Tier-2 (Basel I) 0 0 0 0 0
Basel II
Total CAR (Basel II) 0 0 0 0 14.21
Tier-1 (Basel II) 0 0 0 0 11.21
Tier-2 (Basel II) 0 0 0 0 3
Basel III
Total CAR (Basel III) 13.3 13.42 12.13 12.24 13.17
Tier - 1 (Basel III) 10.71 11.55 10.46 9.93 10.79
Tier - 2 (Basel III) 2.59 1.87 1.67 2.31 2.38
Valuation Parameters
PER(x) 45.3 78.6 0 28.81 0
PCE(x) 11.22 25.35 -23.98 21.03 -6.93
Price/Book(x) 0.34 0.74 0.87 0.99 0.94
Yield(%) 0 0 0 0.69 0
EV/Net Sales(x) 1.55 2.03 2.3 1.67 1.53
EV/Core EBITDA(x) 5.98 7.51 8.35 6.42 7.64
EV/EBIT(x) 2.52 3.17 3.95 2.26 2.74
EV/CE(x) 0.1 0.13 0.14 0.1 0.1
M Cap / Sales 0.33 0.68 0.86 0.94 0.77
Growth Ratio
Core Operating Income Growth 48.54 19.06 14.86 6.07 -3.39
Operating Profit Growth -64.53 1.05 -17.94 31.05 -56.1
Net Profit Growth 25.99 100 -100 100 -100
BVPS Growth -10.45 5.87 -6.22 11.73 -10.88
Advances Growth 47.2 9.68 11.53 -0.13 -10.35
EPS Growth(%) -27.87 100 -100 100 -100
Liquidity Ratios
Loans/Deposits(x) 0.1 0.11 0.11 0.05 0.06
Total Debt/Equity(x) 0.03 0.04 0.04 0.04 0.04
Current Ratio(x) 0.29 0.29 0.28 0.22 0.21
Quick Ratio(x) 9.84 10.52 10.58 5.09 5.83
Interest Cover(x)
Total Debt/Mcap(x) 9.4 9.61 12.26 10.46 9.99
Net NPA in Rs. Million 3.13 3.33 5.49 4.72 5.06

Cash Flow

(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Net Profit Before Taxes -12483.42 15376.15 -20807.25 30619.07 -62472.66
Adjustments for Expenses & Provisions : 250718.58 161762.07 176656.48 110331.01 176511.93
Adjustments for Liabilities & Assets: -220371.99 -148630.47 -762369.03 25211.75 -227859.73
Refund/(payment) of direct taxes -2669.91 -42998.41 9602.78 12486.45 13707.36
Other Direct payments 0 0 0 0 0
Cash Flow from operating activities 15193.26 -14490.66 -596917.02 178648.28 -100113.1
Cash Flow from investing activities -1389.96 -25373.74 -4136.29 -5506.24 -40050.96
Cash Flow from financing activities 147286.73 44485.33 34130.78 -1982.59 -6157.3
Effect of exchange fluctuation on translation reserve 0 0 0 0 0
Net increase/(decrease) in cash and cash equivalents 161090.03 4620.94 -566922.53 171159.46 -146321.36
Opening Cash & Cash Equivalents 978848.4 974227.46 1541150 1369990.54 1516311.9
Cash & Cash Equivalent on Amalgamation / Take over / Merger 170112.3 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0 0
Closing Cash & Cash Equivalent 1310050.73 978848.4 974227.46 1541150 1369990.54
Cash & Cash Equivalent on Amalgamation / Take over / Merger 170112.3 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0 0
(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Net Profit Before Taxes -12483.42 15376.15 -20807.25 30619.07 -62472.66
Adjustments for Expenses & Provisions : 250718.58 161762.07 176656.48 110331.01 176511.93
Adjustments for Liabilities & Assets: -220371.99 -148630.47 -762369.03 25211.75 -227859.73
Refund/(payment) of direct taxes -2669.91 -42998.41 9602.78 12486.45 13707.36
Other Direct payments 0 0 0 0 0
Cash Flow from operating activities 15193.26 -14490.66 -596917.02 178648.28 -100113.1
Cash Flow from investing activities -1389.96 -25373.74 -4136.29 -5506.24 -40050.96
Cash Flow from financing activities 147286.73 44485.33 34130.78 -1982.59 -6157.3
Effect of exchange fluctuation on translation reserve 0 0 0 0 0
Net increase/(decrease) in cash and cash equivalents 161090.03 4620.94 -566922.53 171159.46 -146321.36
Opening Cash & Cash Equivalents 978848.4 974227.46 1541150 1369990.54 1516311.9
Cash & Cash Equivalent on Amalgamation / Take over / Merger 170112.3 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0 0
Closing Cash & Cash Equivalent 1310050.73 978848.4 974227.46 1541150 1369990.54
Cash & Cash Equivalent on Amalgamation / Take over / Merger 170112.3 0 0 0 0
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 0 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0 0

Share Price

Year Open Price (₹) High Price (₹) Low Price (₹) Close Price (₹) Volume (000's) Value (in Lakhs)
February-2021 69.05 89 67.7 78.35 53028.63 41740.08
January-2021 61.5 80.85 61.5 68.05 79611.51 56355.47
December-2020 51.7 68.2 51.2 62.1 81472.49 50603.49
November-2020 42.1 52.45 41.85 51.3 51352.96 24281.11
October-2020 41.3 45.55 40 41.65 59843.43 25341.95
September-2020 48.95 49.85 39.5 41.05 48129.36 21267.47
August-2020 46.7 53.55 45.65 48.9 39156.64 19055.04
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