Bank of Baroda

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

Bank of Baroda

₹ 229 -3.63%
21 Nov 4:00 p.m.
bankofbaroda.co.in BSE: 532134 NSE: BANKBARODA
About

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)

Key Points

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.

Website BSE NSE
  • Market Cap ₹ 1,18,217 Cr.
  • Current Price ₹ 229
  • High / Low ₹ 300 / 193
  • Stock P/E 5.91
  • Book Value ₹ 231
  • Dividend Yield 3.33 %
  • ROCE 6.33 %
  • ROE 16.7 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 1.00 times its book value
  • Stock is providing a good dividend yield of 3.32%.
  • Company has delivered good profit growth of 76.8% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 19.6%

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.9% over last 3 years.
  • Contingent liabilities of Rs.6,40,763 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

Part of Nifty Next 50 BSE 100 LargeCap TMC Index Nifty100 ESG Nifty 500 Multicap 50:25:25 Nifty 200

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 17,541 18,722 19,097 20,048 22,424 24,834 27,196 28,003 29,263 30,042 31,072 31,143 31,887
Interest 9,505 9,800 9,956 10,496 11,495 13,161 14,790 16,060 17,528 18,002 18,309 18,582 19,266
9,398 8,981 10,505 8,210 10,408 11,012 10,642 11,040 12,216 10,556 12,269 10,879 12,755
Financing Profit -1,363 -59 -1,363 1,343 522 660 1,764 902 -480 1,484 494 1,682 -134
Financing Margin % -8% -0% -7% 7% 2% 3% 6% 3% -2% 5% 2% 5% -0%
4,458 3,351 3,373 1,528 3,896 5,519 5,332 5,316 6,503 5,042 6,538 4,658 7,568
Depreciation -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Profit before tax 3,095 3,292 2,010 2,871 4,418 6,179 7,096 6,217 6,023 6,526 7,033 6,340 7,434
Tax % 29% 26% 6% 26% 26% 33% 28% 31% 28% 27% 29% 28% 27%
2,185 2,488 2,053 1,942 3,392 4,356 5,315 4,468 4,426 4,815 5,160 4,764 5,405
EPS in Rs 4.19 4.76 3.93 3.76 6.58 8.33 10.16 8.61 8.50 9.26 9.92 9.14 10.36
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 36,442 40,463 44,915 45,799 44,473 46,056 52,906 78,895 74,314 73,385 94,503 118,379 124,144
Interest 24,486 27,604 30,547 32,107 29,596 29,160 32,506 50,040 43,201 38,815 49,942 69,899 74,160
10,950 12,049 13,466 25,391 19,250 26,093 25,815 40,583 38,636 37,518 38,231 44,379 46,459
Financing Profit 1,006 809 902 -11,700 -4,372 -9,197 -5,414 -11,728 -7,523 -2,948 6,329 4,102 3,526
Financing Margin % 3% 2% 2% -26% -10% -20% -10% -15% -10% -4% 7% 3% 3%
4,511 5,555 5,449 5,992 7,937 7,992 7,887 12,191 15,254 14,395 16,275 23,399 23,807
Depreciation 322 368 368 525 540 901 948 1,697 1,357 1,438 2,040 1,702 0
Profit before tax 5,195 5,996 5,983 -6,233 3,024 -2,106 1,525 -1,234 6,373 10,008 20,565 25,799 27,332
Tax % 9% 18% 36% -19% 41% -9% 29% -176% 77% 23% 29% 29%
4,829 5,036 3,950 -5,033 1,855 -1,836 1,166 981 1,620 7,933 15,005 18,869 20,144
EPS in Rs 22.81 23.29 17.69 -21.99 7.88 -7.13 4.16 2.01 2.99 15.18 28.82 36.29 38.68
Dividend Payout % 19% 19% 18% -0% 15% -0% -0% -0% -0% 19% 19% 21%
Compounded Sales Growth
10 Years: 11%
5 Years: 17%
3 Years: 17%
TTM: 14%
Compounded Profit Growth
10 Years: 14%
5 Years: 77%
3 Years: 144%
TTM: 9%
Stock Price CAGR
10 Years: 1%
5 Years: 19%
3 Years: 38%
1 Year: 22%
Return on Equity
10 Years: 7%
5 Years: 10%
3 Years: 14%
Last Year: 17%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 423 431 444 462 462 530 530 925 1,036 1,036 1,036 1,036
Reserves 32,859 37,416 41,574 42,041 42,605 46,036 54,466 75,179 81,354 90,833 104,019 118,677
509,192 616,973 665,483 620,536 648,499 672,311 734,456 1,068,981 1,067,173 1,185,331 1,342,592 1,453,761
16,914 21,284 26,465 28,134 27,649 28,919 30,217 54,850 53,104 62,922 78,224 81,302
Total Liabilities 559,387 676,104 733,966 691,173 719,216 747,796 819,670 1,199,935 1,202,667 1,340,121 1,525,871 1,654,775
2,550 2,849 2,978 6,359 5,930 5,532 7,368 9,268 8,438 11,098 9,865 9,054
CWIP -0 -0 -0 -0 -0 -0 -0 -0 2 1 3 6
Investments 125,617 122,113 124,739 128,894 140,716 175,137 195,716 289,727 281,859 347,587 397,487 407,136
431,220 551,142 606,248 555,920 572,570 567,126 616,586 900,941 912,367 981,435 1,118,516 1,238,579
Total Assets 559,387 676,104 733,966 691,173 719,216 747,796 819,670 1,199,935 1,202,667 1,340,121 1,525,871 1,654,775

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
23,196 42,233 17,838 -10,011 17,865 -59,692 -1,449 18,531 -887 6,210 -21,354 -6,274
-514 -730 -556 -4,005 -551 -414 -2,537 -139 -471 -3,645 -1,096 -1,285
-790 5,151 -6 -616 -198 3,413 4,449 14,729 -986 -998 -5,405 5,476
Net Cash Flow 21,892 46,654 17,276 -14,632 17,116 -56,692 462 33,120 -2,344 1,567 -27,855 -2,084

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 16% 14% 10% -12% 4% -4% 2% 1% 2% 9% 15% 17%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
63.97% 63.97% 63.97% 63.97% 63.97% 63.97% 63.97% 63.97% 63.97% 63.97% 63.97% 63.97%
7.37% 9.14% 8.23% 8.93% 9.97% 10.93% 12.29% 12.39% 12.27% 12.40% 11.45% 9.87%
14.65% 15.08% 16.85% 18.64% 17.69% 16.74% 15.77% 15.74% 15.75% 16.04% 15.77% 16.35%
0.00% 0.00% 0.00% 0.26% 0.26% 0.26% 0.26% 0.26% 0.26% 0.26% 0.26% 0.26%
14.00% 11.81% 10.95% 8.21% 8.12% 8.10% 7.70% 7.64% 7.76% 7.32% 8.55% 9.56%
No. of Shareholders 13,63,55912,64,07912,81,41512,19,43512,37,07912,78,02012,39,95812,70,48012,89,44313,29,61814,11,26617,11,548

* 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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