Bank Of Baroda

₹185.3 -2.1 | 1.1%

WEBSITE BSE:532134 NSE : BANKBARODA 09 Jun, 13:36

Market Cap ₹95825 Cr.

Stock P/E 6.4

P/B 1

Current Price ₹185.3

Book Value ₹ 191.8

Face Value 2

52W High ₹197.2

Dividend Yield 2.97%

52W Low ₹ 89.9

Edit Ratio

Bank Of Baroda Research see more...

Overview Inc. Year: 1911Industry: Bank - Public

Bank of Baroda is engaged in banking and financial services in India. Its segments encompass Treasury, Corporate / Wholesale Banking, Retail Banking and Other Banking Operations. Its geographical section consists of Domestic Operations and Foreign Operations. It offers personal banking services, which include current accounts, savings account and term deposits. It offers various virtual products, which includes instant banking, such as Internet banking, cellular banking, cards, WhatsApp banking, digital signage structures (DSS), self-service passbook printers, and automatic teller machines (ATMs). It gives various loans, consisting of personal loan, home loan, vehicle loan, fintech, education loan, and gold loan. It offers service provider payment solutions, Baroda DigiNext Cash Management Services, BarodaINSTA SmartTrade, Bharat Bill Pay, Bhim Adhaar Baroda Pay and Internet Payment Gateway. It has 8,185 branches and 11,535 ATMs and cash recyclers supported by using self-carrier channels..

Bank Of Baroda Share Price

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Price

Price: NSE50 DMA200 DMAVolume

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Peer Comparison

Bank Of Baroda Quarterly Results

#(Fig in Cr.)	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023
Interest Earned	18915	17408	18026	17541	18722	19097	19984	22344	24733	27077
Other Income	3156	6354	3330	4458	3351	3373	1592	3977	5619	5451
Total Income	22071	23762	21356	21999	22073	22470	21577	26320	30353	32528
Interest Expense	10407	9942	9554	9505	9800	9956	10496	11495	13161	14790
Operating Expenditure	5254	6893	5696	6661	6292	6190	6798	7891	7472	8483
Provisions and contingencies	4619	4033	4495	2737	2688	4315	1411	2517	3540	2158
Operating Profit	1791	2893	1611	3095	3292	2010	2871	4418	6179	7096
Profit Before Tax	1791	2893	1611	3095	3292	2010	2871	4418	6179	7096
Provision for Tax	632	3742	442	900	844	122	732	1146	2013	1986
Profit After Tax	1159	-849	1169	2195	2448	1888	2139	3272	4166	5110
Adjustments	37	109	17	-27	16	143	-195	128	140	145
Profit After Adjustments	1196	-741	1187	2168	2464	2032	1944	3400	4306	5255
Adjusted Earnings Per Share	2.6	-1.4	2.3	4.2	4.8	3.9	3.8	6.6	8.3	10.1

Bank Of Baroda Profit & Loss

#(Fig in Cr.)	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	TTM
Interest Earned	30488	36442	40463	44915	45799	44473	46056	52906	78895	74314	73385	94138
Other Income	4100	4511	5555	5449	5992	7937	7992	7887	12191	15254	14395	16639
Total Income	34589	40953	46018	50364	51791	52410	54049	60793	91086	89568	87780	110778
Interest Expense	19724	24486	27604	30547	32107	29596	29160	32506	50040	43201	38815	49942
Operating Expenditure	5456	6306	7592	8604	9962	10350	11327	12769	21371	23117	24839	30644
Provisions and contingencies	3105	4965	4825	5230	15954	9440	15667	13994	20909	16876	14118	9626
Operating Profit	6304	5195	5996	5983	-6233	3024	-2106	1525	-1234	6373	10008	20564
Profit Before Tax	6304	5195	5996	5983	-6233	3024	-2106	1525	-1234	6373	10008	20564
Provision for Tax	1088	444	1065	2151	-1180	1247	-194	438	-2176	4919	2308	5877
Profit After Tax	5216	4750	4931	3833	-5053	1777	-1912	1087	942	1454	7700	14687
Adjustments	32	54	69	79	-15	38	25	13	-14	94	149	218
Profit After Adjustments	5249	4804	5001	3912	-5068	1815	-1887	1100	928	1548	7850	14905
Adjusted Earnings Per Share	25.5	22.8	23.3	17.7	-22	7.9	-7.1	4.2	2	3	15.2	28.8

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	-1%	12%	11%	9%
Operating Profit CAGR	57%	87%	27%	5%
PAT CAGR	430%	92%	34%	4%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	76%	59%	7%	4%
ROE Average	9%	4%	2%	6%
ROCE Average	8%	6%	4%	7%

Bank Of Baroda Balance Sheet

#(Fig in Cr.)	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022
Shareholder's Funds	28516	33282	37847	42018	42503	43068	46566	54996	76104	82390	91868
Minority's Interest	91	110	158	187	194	233	273	341	386	436	758
Deposits	392616	482639	579997	629981	586690	617257	607451	665589	973228	995910	1075804
Borrowings	23598	26553	36976	35502	33845	31242	64860	68868	95753	71263	109526
Other Liabilities & Provisions	12591	16805	21136	26290	27947	27422	28655	29878	54471	52677	62181
Total Liabilities	457412	559388	676114	733977	691179	719221	747805	819672	1199942	1202676	1340137
Cash and balance with RBI	22268	14151	19445	23557	22811	23915	24035	28225	34245	40154	56775
Bank Balance	43542	73551	114911	128074	114188	130200	73388	69659	96760	88507	73454
Investments	86697	125617	122113	124739	128894	140716	175137	195716	289727	281859	347587
Advances	292077	333625	403715	435415	391486	392262	437941	484215	706540	723242	797281
Fixed Assets	2428	2550	2849	2978	6359	5930	5532	7144	9044	8082	10057
Other Assets	10399	9894	13081	19213	27441	26197	31771	34712	63627	60696	54852
Total Assets	457412	559388	676114	733977	691179	719221	747805	819672	1199942	1202676	1340137

Bank Of Baroda Cash Flow

#(Fig in Cr.)	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022
Opening Cash & Cash Equivalents	51424	65810	87702	134356	151631	136999	154115	97423	97885	131005	128661
Cash Flow from Operating Activities	14637	23196	42233	17838	-10011	17865	-59692	-1449	1519	-887	6532
Cash Flow from Investing Activities	-416	-514	-730	-556	-4005	-551	-414	-2537	-139	-471	-3645
Cash Flow from Financing Activities	165	-790	5151	-6	-616	-198	3413	4449	14729	-986	-1319
Net Cash Inflow / Outflow	14387	21892	46654	17276	-14632	17116	-56692	462	16109	-2344	1567
Closing Cash & Cash Equivalent	65810	87702	134356	151631	136999	154115	97423	97885	131005	128661	130229

Bank Of Baroda Ratios

#	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022
Earnings Per Share (Rs)	25.53	22.81	23.29	17.69	-21.99	7.88	-7.13	4.16	2.01	2.99	15.18
CEPS(Rs)	26.81	24.08	24.68	19	-19.65	10.06	-3.82	7.69	5.71	5.37	17.6
DPS(Rs)	3.4	4.3	4.3	3.2	0	1.2	0	0	0	0	2.85
Book NAV/Share(Rs)	138.72	157.45	171.3	185.43	166.5	171.25	163.97	171.64	151.46	159.32	177.65
Yield on Advances	10.44	10.92	10.02	10.32	11.7	11.34	10.52	10.93	11.17	10.28	9.2
Yield on Investments	8.13	6.78	8.23	9.11	9.72	10.2	7.69	7.75	7.6	8.05	6.5
Cost of Liabilities	4.74	4.81	4.47	4.59	5.17	4.56	4.34	4.43	4.68	4.05	3.27
NIM (Net Interest Margin)	2.42	2.19	1.95	2.02	2.08	2.17	2.38	2.62	2.56	2.74	2.71
Interest Spread	5.7	6.11	5.55	5.73	6.52	6.77	6.18	6.5	6.49	6.23	5.93
ROA(%)	1.27	0.93	0.8	0.54	-0.71	0.25	-0.26	0.14	0.09	0.12	0.61
ROE(%)	20.72	15.4	14.1	9.85	-12.73	4.57	-4.62	2.45	1.63	1.91	8.84
ROCE(%)	16.37	11.82	11.49	10.69	-5.34	6.62	0.2	4.64	2.67	6.68	8.12
PER(x)	6.22	5.94	6.19	9.23	0	21.96	0	30.97	26.67	24.78	7.35
Price/Book(x)	1.14	0.86	0.84	0.88	0.88	1.01	0.87	0.75	0.35	0.47	0.63
Dividend Yield(%)	2.14	3.17	2.98	1.96	0	0.69	0	0	0	0	2.55
EV/Net Sales(x)	1.84	1.51	1.68	1.59	1.48	1.6	2.23	1.95	1.53	1.47	2.28
EV/Core EBITDA(x)	5.98	5.42	6.28	6.39	6.97	5.7	7.56	6.63	6.12	4.71	6.93
Interest Earned Growth(%)	35.42	19.53	11.03	11	1.97	-2.89	3.56	14.87	49.12	-5.81	-1.25
Net Profit Growth	18.04	-8.93	3.81	-22.28	-231.84	135.17	-207.58	156.85	-13.33	54.31	429.63
Advances Growth	25.85	14.23	21.01	7.85	-10.09	0.2	11.65	10.57	45.91	2.36	10.24
EPS Growth(%)	12.74	-10.67	2.11	-24.06	-224.34	135.81	-190.56	158.3	-51.71	49.05	407.19
Loans/Deposits(x)	6.01	5.5	6.38	5.64	5.77	5.06	10.68	10.35	9.84	7.16	10.18
Cash/Deposits(x)	0.06	0.03	0.03	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05
Current Ratio(x)	0.22	0.26	0.21	0.2	0.22	0.23	0.29	0.29	0.3	0.28	0.32
Quick Ratio(x)	6.01	5.5	6.38	5.64	5.77	5.06	10.68	10.35	9.84	7.16	10.18
CASA %	26.98	25.46	25.83	26.43	26.42	32.09	35.63	34.61	35.03	39.8	41.14

Bank Of Baroda Shareholding Pattern

#	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023
Promoter	71.6	63.97	63.97	63.97	63.97	63.97	63.97	63.97	63.97	63.97
FII	4.32	6.89	6.89	7.82	7.37	9.14	8.23	8.93	9.97	10.92
DII	11.29	15.9	15.9	14.71	14.65	15.08	16.85	18.91	17.95	17
Public	12.79	13.24	13.24	13.5	14	11.81	10.95	8.19	8.11	8.11
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023
Promoter	330.82	330.82	330.82	330.82	330.82	330.82	330.82	330.82	330.82	330.82
FII	19.97	35.62	35.62	40.43	38.12	47.28	42.56	46.17	51.55	56.49
DII	52.19	82.21	82.21	76.05	75.77	77.98	87.13	97.77	92.83	87.9
Public	59.08	68.48	68.48	69.84	72.42	61.06	56.62	42.38	41.95	41.93
Others	0	0	0	0	0	0	0	0	0	0
Total	462.06	517.14	517.14	517.14	517.14	517.14	517.14	517.14	517.14	517.14

Pros

Company has delivered good profit growth of 34% CAGR over last 5 years

Cons

Company has a low return on equity of 4% over the last 3 years.

* 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.