Oriental Bank of Commerce(Merged

Oriental Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Oriental Bank of Commerce(Merged

₹ 43.4 4.32%
20 Mar 2020
obcindia.co.in BSE: 500315 NSE: ORIENTBANK
About

Oriental Bank of Commerce is a scheduled commercial bank. The Bank's segments include Treasury Operations, Corporate/Wholesale banking, Retail banking and Other banking business operations.(Source : Company Web-Site)

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Website BSE NSE
  • Market Cap ₹ 5,954 Cr.
  • Current Price ₹ 43.4
  • High / Low ₹ /
  • Stock P/E 9.28
  • Book Value ₹ 138
  • Dividend Yield 0.00 %
  • ROCE 3.53 %
  • ROE 0.35 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.31 times its book value
  • Company's working capital requirements have reduced from 151 days to 91.2 days

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -1.24% over past five years.
  • Company has a low return on equity of -16.1% over last 3 years.
  • Contingent liabilities of Rs.46,341 Cr.

* 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

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Quarterly Results

Figures in Rs. Crores

Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
4,439 4,503 4,438 4,452 4,262 4,245 4,269 4,284 4,561 4,754 4,920 4,878 4,657
2,106 3,722 2,384 4,051 3,481 3,471 2,613 2,054 4,702 2,429 1,904 2,068 2,051
Operating Profit 2,333 780 2,053 402 781 774 1,656 2,230 -141 2,325 3,016 2,809 2,606
OPM % 53% 17% 46% 9% 18% 18% 39% 52% -3% 49% 61% 58% 56%
977 591 777 1,069 494 444 461 683 567 958 715 825 986
Interest 3,357 3,196 3,291 3,201 3,244 3,152 2,932 3,015 3,143 3,280 3,548 3,422 3,335
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax -47 -1,824 -461 -1,730 -1,969 -1,934 -815 -101 -2,717 3 183 212 256
Tax % 177% -33% 5% 1% 1% -15% -52% -200% -105% -6,236% 38% 41% 21%
-130 -1,218 -486 -1,750 -1,985 -1,650 -393 102 145 202 113 126 202
EPS in Rs -3.76 -35.18 -14.04 -50.55 -57.35 -26.08 -6.21 1.61 2.29 1.47 0.82 0.92 1.47
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 TTM
6,827 8,856 10,257 12,088 15,815 17,705 19,017 19,961 20,168 18,422 17,389 17,868 19,208
1,157 1,848 2,418 3,009 3,931 4,701 5,364 6,121 6,659 9,130 13,170 11,518 8,452
Operating Profit 5,670 7,009 7,839 9,079 11,884 13,004 13,654 13,840 13,509 9,292 4,219 6,350 10,756
OPM % 83% 79% 76% 75% 75% 73% 72% 69% 67% 50% 24% 36% 56%
335 1,076 1,200 960 1,239 1,655 1,945 1,841 1,766 2,766 2,792 2,669 3,484
Interest 5,156 6,860 7,350 7,910 11,599 13,004 13,890 14,877 14,794 13,513 12,888 12,370 13,585
Depreciation 75 80 86 92 104 123 129 169 156 68 218 280 0
Profit before tax 774 1,144 1,604 2,037 1,420 1,532 1,579 635 326 -1,523 -6,094 -3,631 654
Tax % 54% 22% 29% 26% 20% 13% 28% 22% 52% -28% -4% -102%
353 890 1,135 1,503 1,142 1,328 1,139 497 156 -1,094 -5,872 55 642
EPS in Rs 51.50 39.12 45.51 38.01 16.58 4.86 -31.60 -92.79 0.40 4.68
Dividend Payout % 33% 21% 20% 20% 20% 20% 20% 20% 14% 0% 0% 0%
Compounded Sales Growth
10 Years: 7%
5 Years: -1%
3 Years: -4%
TTM: 11%
Compounded Profit Growth
10 Years: -24%
5 Years: -46%
3 Years: -28%
TTM: 136%
Stock Price CAGR
10 Years: -17%
5 Years: -3%
3 Years: %
1 Year: %
Return on Equity
10 Years: 0%
5 Years: -8%
3 Years: -16%
Last Year: 0%

Balance Sheet

Figures in Rs. Crores

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Equity Capital 251 251 251 292 292 292 300 300 321 346 633 1,370
Reserves 5,525 7,153 7,987 10,805 11,651 12,484 13,131 13,480 14,920 13,775 11,154 17,531
79,697 101,341 125,145 144,693 161,224 183,577 201,353 210,555 219,039 233,932 217,040 246,765
5,233 3,838 4,048 5,553 4,368 4,345 5,519 6,180 5,488 5,012 4,517 6,244
Total Liabilities 90,705 112,583 137,431 161,343 177,535 200,697 220,302 230,514 239,768 253,065 233,344 271,910
383 1,383 1,382 1,374 1,399 1,210 1,224 1,342 2,247 2,330 2,518 2,555
CWIP 5 1 12 24 21 17 31 10 25 28 32 34
Investments 23,951 28,489 35,785 49,545 52,101 58,555 61,472 62,039 66,234 59,229 69,902 79,268
66,367 82,710 100,252 110,400 124,013 140,915 157,575 167,122 171,262 191,477 160,892 190,052
Total Assets 90,705 112,583 137,431 161,343 177,535 200,697 220,302 230,514 239,768 253,065 233,344 271,910

Cash Flows

Figures in Rs. Crores

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
2,789 2,170 2,919
-77 -126 -116
-6 -33 -428
Net Cash Flow 2,706 2,010 2,375

Ratios

Figures in Rs. Crores

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Debtor Days 0 0 0 0 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 0 0 0 0 0 0 0
Working Capital Days -201 -76 -68 -82 -25 -20 -25 90 104 229 133 91
ROCE % 8% 8% 7% 7% 8% 8% 8% 7% 7% 5% 3% 4%

Shareholding Pattern

Numbers in percentages

Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019
58.38% 58.38% 58.38% 58.38% 77.23% 77.23% 77.23% 77.23% 87.58% 87.58% 87.58% 87.58%
5.99% 5.96% 8.23% 8.27% 4.38% 4.12% 3.98% 4.18% 1.92% 2.12% 2.21% 2.12%
24.88% 25.58% 22.95% 22.80% 12.11% 11.89% 11.82% 12.53% 6.18% 5.78% 5.65% 5.49%
10.75% 10.08% 10.44% 10.55% 6.28% 6.76% 6.97% 6.06% 4.32% 4.52% 4.56% 4.81%
No. of Shareholders 1,30,8551,28,2731,29,1821,25,0771,28,8461,30,1891,30,9881,27,7231,42,5041,43,4461,46,9551,49,523

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

Credit ratings

Concalls

  • Jan 2020
    Transcript
    Notes
    PPT
  • Jul 2019
    Transcript
    Notes
    PPT
  • Jul 2019
    Transcript
    Notes
    PPT
  • May 2019
    Transcript
    Notes
    PPT
  • Aug 2017
    Transcript
    Notes
    PPT