Bank Of Baroda, 532134, BANKBARODA Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

134,041.71
7.10
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

185,255.65
2.12%
1.13

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

24.43
-
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

11.54
70.22
119.40

PAT CAGR (%)

10 Years
5 Years
3 Years

0.66
0.79

P:E (Median)

8 Years
5 Years
3 Years

7.49
8.96
7.92

P:BV (Average)

8 Years
5 Years
3 Years

0.74
0.66
0.79

EV:EBITDA (Average)

8 Years
5 Years
3 Years

4.62
4.43
4.41

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 28,605.13 23,540.14 21.52% 27,861.60 21,254.23 31.09% 26,555.81 18,937.49 40.23% 25,856.68 18,173.61 42.28%
Interest Exp. 17,503.80 12,721.83 37.59% 17,030.90 11,079.77 53.71% 15,559.14 10,099.10 54.06% 14,331.83 9,561.94 49.88%
Net Interest Income 11,101.33 10,818.31 2.62% 10,830.70 10,174.46 6.45% 10,996.67 8,838.39 24.42% 11,524.85 8,611.67 33.83%
NIM 3.23 3.54 -8.76% 3.19 3.41 -6.45% 3.27 3.02 8.28% 3.65 3.14 16.24%
Other Income 2,810.49 3,551.95 -20.87% 4,171.15 1,825.80 128.46% 3,322.26 1,182.03 181.06% 3,466.06 2,522.29 37.42%
Total Income 31,415.62 27,092.09 15.96% 32,032.75 23,080.03 38.79% 29,878.07 20,119.52 48.50% 29,322.74 20,695.90 41.68%
Operating Exp. 6,896.72 6,138.07 12.36% 6,982.13 5,969.31 16.97% 6,494.63 5,492.90 18.24% 6,918.03 5,498.82 25.81%
Operating Profit 7,015.10 8,232.19 -14.78% 8,019.72 6,030.95 32.98% 7,824.30 4,527.52 72.82% 8,072.88 5,635.14 43.26%
Provision 666.34 2,403.93 -72.28% 2,160.57 1,627.46 32.76% 1,946.76 1,684.80 15.55% 1,420.71 3,736.38 -61.98%
PBT 6,348.76 5,828.26 8.93% 5,859.15 4,403.49 33.06% 5,877.54 2,842.72 106.76% 6,652.17 1,898.76 250.34%
PBTM 22.19 24.76 -10.38% 21.03 20.72 1.50% 22.13 15.01 47.44% 25.73 10.45 146.22%
TAX 1,769.43 1,975.52 -10.43% 1,606.26 1,090.07 47.35% 1,807.47 674.59 167.94% 1,876.84 119.99 1,464.16%
PAT 4,579.33 3,852.74 18.86% 4,252.89 3,313.42 28.35% 4,070.07 2,168.13 87.72% 4,775.33 1,778.77 168.46%
PATM 16.01% 16.37% 15.26% 15.59% 15.33% 11.45% 18.47% 9.79%
EPS 8.84 7.44 18.82% 8.21 6.40 28.28% 7.86 4.19 87.59% 9.22 3.44 168.02%
Gross NPA 32,317.56 41,857.50 -22.79% 33,968.47 46,374.44 -26.75% 34,832.16 52,590.83 -33.77% 36,763.68 54,059.39 -31.99%
Gross NPA% 3.08 4.53 -32.01% 3.32 5.31 -37.48% 3.51 6.26 -43.93% 3.79 6.61 -42.66%
Net NPA 7,208.31 8,853.82 -18.59% 7,596.73 9,672.22 -21.46% 7,482.45 12,652.74 -40.86% 8,384.32 13,364.65 -37.26%
Net NPA% 0.70 0.99 -29.29% 0.76 1.16 -34.48% 0.78 1.58 -50.63% 0.89 1.72 -48.26%
CASA 40.69 41.63 -2.26% 39.88 42.77 -6.76% 40.33 44.18 -8.71% 42.25 44.24 -4.50%

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 30,041.75 24,833.55 20.97% 29,262.76 22,424.47 30.49% 28,002.54 20,048.30 39.68% 27,077.32 19,097.17 41.79%
Interest Exp. 18,002.05 13,161.49 36.78% 17,527.69 11,494.57 52.49% 16,060.32 10,495.65 53.02% 14,790.46 9,955.71 48.56%
Net Interest Income 12,039.70 11,672.06 3.15% 11,735.07 10,929.90 7.37% 11,942.22 9,552.65 25.01% 12,286.86 9,141.46 34.41%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 5,042.23 5,519.12 -8.64% 6,503.24 3,896.02 66.92% 5,315.59 1,528.46 247.77% 5,450.74 3,373.29 61.59%
Total Income 35,083.98 30,352.67 15.59% 35,766.00 26,320.49 35.89% 33,318.13 21,576.76 54.42% 32,528.06 22,470.46 44.76%
Operating Exp. 8,653.14 7,471.79 15.81% 8,430.38 7,890.96 6.84% 7,761.91 6,798.36 14.17% 8,483.35 6,189.72 37.06%
Operating Profit 8,428.79 9,719.39 -13.28% 9,807.93 6,934.96 41.43% 9,495.90 4,282.75 121.72% 9,254.25 6,325.03 46.31%
Provision 1,902.56 3,540.05 -46.26% 3,785.16 2,517.14 50.38% 3,278.41 1,411.26 132.30% 2,158.36 4,314.98 -49.98%
PBT 6,526.23 6,179.34 5.61% 6,022.77 4,417.82 36.33% 6,217.49 2,871.49 116.52% 7,095.89 2,010.05 253.02%
PBTM 21.72 24.88 -12.70% 20.58 19.70 4.47% 22.20 14.32 55.03% 26.21 10.53 148.91%
TAX 1,777.91 2,013.23 -11.69% 1,679.67 1,145.58 46.62% 1,915.23 732.10 161.61% 1,985.76 121.91 1,528.87%
PAT 4,748.32 4,166.11 13.97% 4,343.10 3,272.24 32.73% 4,302.26 2,139.39 101.10% 5,110.13 1,888.14 170.64%
PATM 15.81% 16.78% 14.84% 14.59% 15.36% 10.67% 18.87% 9.89%
EPS 9.18 8.06 13.90% 8.40 6.33 32.70% 8.32 4.14 100.97% 9.88 3.65 170.68%
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Interest Income 44,453.55 41,356.01 32,621.34 28,809.02 27,451.28 18,480.31 15,521.77 13,513.41 12,739.85 13,187.24 11,965.35 Interest Earned 108,879.22 89,588.54 69,880.78 70,495.06 75,983.65 49,770.61 43,648.54 42,199.93 44,061.28 42,963.56 38,939.71 Interest Expended 64,425.67 48,232.53 37,259.44 41,686.04 48,532.37 31,290.30 28,126.77 28,686.52 31,321.43 29,776.32 26,974.36 Int. income Growth 15.64% 26.78% 13.23% 4.95% 48.54% 19.06% 14.86% 6.07% -3.39% 10.21% Other Income 13,769.96 10,025.84 11,483.95 12,933.97 10,317.32 6,294.49 6,657.15 6,758.06 4,998.86 4,401.99 4,462.74 Total Income 122,649.18 51,381.85 44,105.29 41,742.99 37,768.60 24,774.80 22,178.92 20,271.47 17,738.71 17,589.23 16,428.09 Total Expenditure 27,291.51 29,700.48 33,329.13 34,872.44 37,911.06 23,166.27 24,106.59 17,287.42 23,935.45 11,828.24 10,585.75 Employee Cost - 13,352.66 11,978.84 11,445.53 9,564.72 5,039.13 4,606.87 4,637.77 4,978.03 4,261.35 4,139.72 % Of Sales - 14.90% 17.14% 16.24% 12.59% 10.12% 10.55% 10.99% 11.30% 9.92% 10.63% Opt. & Establishment Exp. - 13,120.38 11,127.32 10,412.66 10,967.32 7,159.23 6,429.58 5,169.98 4,446.44 3,753.17 3,342.38 % Of Sales - 14.65% 15.92% 14.77% 14.43% 14.38% 14.73% 12.25% 10.09% 8.74% 8.58% Provisions - 7,136.90 13,002.41 15,643.33 20,698.32 12,788.67 14,796.30 8,502.37 15,513.64 4,494.50 3,793.71 % Of Sales - 7.97% 18.61% 22.19% 27.24% 25.70% 33.90% 20.15% 35.21% 10.46% 9.74% EBITDA 30,932.00 21,681.37 10,776.16 6,870.55 -142.46 1,608.53 -1,927.67 2,984.05 -6,196.74 5,760.99 5,842.34 EBITDA Margin 74.93% 52.43% 33.03% 23.85% -0.52% 8.70% -12.42% 22.08% -48.64% 43.69% 48.83% Depreciation 0.00 1,954.73 1,389.72 1,314.54 1,659.65 910.38 863.08 511.35 501.33 340.39 345.03 PBT 24,737.62 19,726.64 9,386.44 5,556.01 -1,802.10 698.15 -2,790.74 2,472.70 -6,698.07 5,420.61 5,497.31 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 7,060.00 5,617.02 2,114.16 4,727.05 -2,348.29 264.63 -358.93 1,089.56 -1,302.53 2,022.17 956.23 Tax Rate 28.54% 28.47% 22.52% 85.08% 130.31% 37.90% 12.86% 44.06% 19.45% 37.31% 17.39% PAT 17,677.62 14,109.62 7,272.28 828.96 546.19 433.52 -2,431.81 1,383.14 -5,395.54 3,398.44 4,541.08 PAT before Minority Interest 17,677.62 14,109.62 7,272.28 828.96 546.19 433.52 -2,431.81 1,383.14 -5,395.54 3,398.44 4,541.08 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 30.36% 27.46% 16.49% 1.99% 1.45% 1.75% -10.96% 6.82% -30.42% 19.32% 27.64% PAT Growth 59.07% 94.02% 777.28% 51.77% 25.99% 0 -275.82% 0 -258.77% -25.16% EPS 34.18 27.28 14.06 1.60 1.06 0.84 -4.70 2.67 -10.43 6.57 8.78

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Interest Income 48,003.85 44,196.44 34,569.99 31,112.80 28,854.81 20,400.53 16,895.94 14,877.72 13,691.55 14,368.36 12,858.46 Interest Earned 114,384.37 94,138.61 73,385.46 74,313.98 78,894.70 52,906.25 46,056.42 44,473.45 45,798.99 44,914.97 40,462.89 Interest Expended 66,380.52 49,942.17 38,815.47 43,201.18 50,039.89 32,505.72 29,160.48 29,595.73 32,107.44 30,546.61 27,604.43 Int. income Growth 16.24% 27.85% 11.11% 7.83% 41.44% 20.74% 13.57% 8.66% -4.71% 11.74% Other Income 22,311.80 16,639.37 14,394.73 15,253.65 12,191.33 7,887.05 7,992.21 7,936.78 5,992.18 5,449.27 5,555.15 Total Income 136,696.17 60,835.81 48,964.72 46,366.45 41,046.14 28,287.58 24,888.15 22,814.50 19,683.73 19,817.63 18,413.61 Total Expenditure 33,328.78 38,290.06 37,555.93 38,671.36 40,582.81 25,814.75 26,093.14 19,250.19 25,391.28 13,466.13 12,049.12 Employee Cost - 14,342.73 12,643.83 11,993.38 10,074.44 5,434.12 4,901.58 4,888.66 5,201.05 4,476.97 4,334.61 % Of Sales - 15.24% 17.23% 16.14% 12.77% 10.27% 10.64% 10.99% 11.36% 9.97% 10.71% Opt. & Establishment Exp. - 18,282.93 13,595.46 12,446.01 12,994.27 8,283.10 7,325.70 6,001.11 5,286.48 4,495.70 3,625.79 % Of Sales - 19.42% 18.53% 16.75% 16.47% 15.66% 15.91% 13.49% 11.54% 10.01% 8.96% Provisions - 9,626.80 14,117.62 16,875.81 20,908.56 13,994.03 15,667.24 9,440.36 15,953.97 5,229.98 4,824.94 % Of Sales - 10.23% 19.24% 22.71% 26.50% 26.45% 34.02% 21.23% 34.83% 11.64% 11.92% EBITDA 36,986.87 22,545.75 11,408.79 7,695.09 463.33 2,472.83 -1,204.99 3,564.31 -5,707.55 6,351.50 6,364.49 EBITDA Margin 70.86% 51.01% 33.00% 24.73% 1.61% 12.12% -7.13% 23.96% -41.69% 44.20% 49.50% Depreciation 0.00 1,981.20 1,400.49 1,321.92 1,697.23 948.25 900.69 539.97 525.11 368.26 368.11 PBT 25,862.38 20,564.55 10,008.30 6,373.17 -1,233.91 1,524.58 -2,105.68 3,024.34 -6,232.67 5,983.23 5,996.39 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 7,358.57 5,876.67 2,308.07 4,919.27 -2,176.09 437.51 -193.62 1,246.93 -1,179.58 2,150.54 1,065.15 Tax Rate 28.45% 28.58% 23.06% 77.19% 176.36% 28.70% 9.20% 41.23% 18.93% 35.94% 17.76% PAT 18,370.24 14,587.87 7,616.94 1,381.27 889.22 1,020.90 -1,963.35 1,737.41 -5,087.78 3,793.99 4,895.56 PAT before Minority Interest 18,503.81 14,687.88 7,700.23 1,453.90 942.18 1,087.07 -1,912.06 1,777.41 -5,053.09 3,832.69 4,931.24 Minority Interest -133.57 -100.01 -83.29 -72.63 -52.96 -66.17 -51.29 -40.00 -34.69 -38.70 -35.68 PAT Margin 26.13% 23.98% 15.56% 2.98% 2.17% 3.61% -7.89% 7.62% -25.85% 19.14% 26.59% PAT Growth 61.38% 91.52% 451.44% 55.34% -12.90% 0 -213.00% 0 -234.10% -22.50% EPS 35.78 28.21 14.73 2.67 1.72 1.97 -3.80 3.36 -9.84 7.34 9.47

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 98,222.89 85,909.72 77,045.72 71,856.22 50,983.10 43,394.77 40,303.25 40,198.99 39,835.35 35,985.68 Share Capital 1,035.53 1,035.53 1,035.53 925.37 530.36 530.36 462.09 462.09 443.56 430.68 Total Reserves 97,187.36 84,874.19 76,010.19 70,930.84 45,410.73 42,864.41 39,841.16 39,736.89 39,391.79 35,555.00 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,203,687.79 1,045,938.56 966,996.93 945,984.43 638,689.72 591,314.82 601,675.17 574,037.87 617,559.52 568,894.39 Borrowings 101,910.48 103,899.29 66,847.93 93,069.31 67,201.30 62,571.97 30,611.44 33,471.70 35,264.28 36,812.97 Other Liabilities & Provisions 54,740.38 42,252.27 44,474.19 47,005.56 24,113.29 22,718.21 22,285.56 23,667.92 22,329.40 17,811.50 Total Liabilities 1,458,561.54 1,277,999.84 1,155,364.77 1,157,915.52 780,987.41 719,999.77 694,875.42 671,376.48 714,988.55 659,504.54 Net Block 8,706.57 9,921.90 8,016.25 8,889.29 6,990.30 5,367.39 5,758.37 6,253.78 2,874.85 2,734.12 Gross Block 23,856.24 23,229.22 20,031.23 19,877.48 13,810.57 11,401.63 10,955.25 10,494.77 6,541.49 6,058.07 Accumulated Depreciation 15,149.66 13,307.32 12,014.98 10,988.19 6,820.27 6,034.24 5,196.88 4,240.99 3,666.64 3,323.95 Total Non-Current Assets 1,407,893.44 1,225,527.47 1,095,949.85 1,095,525.75 747,336.74 688,881.13 669,118.04 644,374.83 696,105.38 646,730.50 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 54,882.63 71,184.41 38,841.04 32,645.85 26,661.73 22,699.64 22,780.21 21,672.42 22,488.60 18,629.09 Balance with banks and money at call 40,820.61 51,470.59 81,571.78 89,255.27 62,567.89 70,197.74 127,689.70 112,227.93 125,864.55 112,248.82 Investments 362,485.36 315,795.39 261,220.27 274,614.61 182,298.08 163,184.53 129,630.54 120,450.52 116,812.24 116,112.66 Advances 940,998.27 777,155.18 706,300.51 690,120.73 468,818.74 427,431.83 383,259.22 383,770.18 428,065.14 397,005.81 Other Assets 50,668.10 52,472.37 59,414.93 62,389.76 33,650.68 31,118.64 25,757.37 27,001.65 18,883.17 12,774.03 Total Assets 1,458,561.54 1,277,999.84 1,155,364.78 1,157,915.51 780,987.42 719,999.77 694,875.41 671,376.48 714,988.55 659,504.53 Contingent Liabilities 577,753.35 399,234.43 395,655.76 379,610.40 380,312.98 298,226.66 252,518.96 228,977.16 246,384.72 259,912.78 Bills for collection 67,712.47 64,741.92 65,233.83 52,009.74 49,059.93 45,779.69 37,599.42 32,343.74 37,608.06 31,864.92 Adjusted Book Value 189.93 166.12 148.98 142.35 156.59 152.10 159.39 156.55 175.66 162.69

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 105,054.72 91,868.08 82,389.58 76,104.30 54,996.12 46,566.23 43,067.57 42,503.16 42,017.65 37,846.82 Share Capital 1,035.53 1,035.53 1,035.53 925.37 530.36 530.36 462.09 462.09 443.56 430.68 Total Reserves 104,019.18 90,832.55 81,354.05 75,178.92 49,423.76 46,035.87 42,605.48 42,041.07 41,574.09 37,416.15 Minority Interest 994.59 757.78 436.20 386.17 341.36 272.52 232.53 193.69 186.72 158.41 Deposits 1,234,682.00 1,075,804.44 995,909.81 973,228.15 665,588.69 607,451.36 617,256.87 586,690.47 629,981.25 579,997.06 Borrowings 107,910.16 109,526.11 71,263.34 95,752.70 68,867.53 64,859.82 31,242.00 33,845.23 35,501.52 36,976.30 Other Liabilities & Provisions 77,237.51 62,180.68 52,676.86 54,470.82 29,878.24 28,654.98 27,421.54 27,946.53 26,290.24 21,135.52 Total Liabilities 1,525,878.98 1,340,137.09 1,202,675.79 1,199,942.14 819,671.94 747,804.91 719,220.51 691,179.08 733,977.38 676,114.11 Net Block 8,876.04 10,056.70 8,081.92 9,043.78 7,143.71 5,532.28 5,929.68 6,359.17 2,978.41 2,849.30 Gross Block 24,452.42 23,812.23 20,412.86 20,311.34 14,223.47 11,787.72 11,318.39 10,768.08 6,796.35 6,309.81 Accumulated Depreciation 15,576.38 13,755.53 12,330.94 11,267.56 7,079.76 6,255.44 5,388.71 4,408.91 3,817.94 3,460.51 Total Non-Current Assets 1,472,469.25 1,285,284.70 1,141,979.32 1,136,315.30 784,959.60 716,033.52 693,023.40 663,738.27 714,764.05 663,033.20 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 80.76 131.36 135.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 56,696.21 72,774.94 40,153.72 34,244.78 28,225.35 24,034.99 23,915.13 22,810.75 23,556.94 19,444.73 Balance with banks and money at call 45,677.18 57,453.66 88,507.41 96,760.29 69,659.49 73,387.76 130,199.86 114,188.30 128,074.25 114,910.94 Investments 397,487.23 347,587.10 281,859.00 289,726.72 195,716.24 175,137.23 140,716.43 128,894.06 124,738.96 122,112.86 Advances 963,651.83 797,280.94 723,242.25 706,539.73 484,214.81 437,941.26 392,262.30 391,485.99 435,415.49 403,715.37 Other Assets 53,409.72 54,852.39 60,696.47 63,626.83 34,712.35 31,771.40 26,197.11 27,440.81 19,213.32 13,080.90 Total Assets 1,525,878.97 1,340,137.09 1,202,675.79 1,199,942.13 819,671.95 747,804.92 719,220.51 691,179.08 733,977.37 676,114.10 Contingent Liabilities 581,568.05 405,792.13 400,673.86 384,036.42 381,543.49 299,023.38 253,394.60 229,806.96 247,332.37 260,865.11 Bills for collection 67,927.63 64,912.51 65,370.44 52,285.39 49,212.86 45,859.44 37,680.81 32,442.12 37,721.10 31,995.80 Adjusted Book Value 203.14 177.65 159.32 151.46 171.64 163.97 171.25 166.50 185.43 171.30

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity -19,663.75 7,528.54 -4,609.17 929.50 -4,119.63 -61,087.84 17,193.86 -9,841.66 18,021.05 41,016.38 PBT 19,726.64 9,386.44 5,556.00 -1,802.11 698.15 -2,790.74 2,472.70 -6,698.07 5,420.61 5,497.31 Adjustment 10,728.65 16,156.82 18,646.84 23,928.80 14,717.00 16,643.79 10,014.99 17,141.67 5,952.12 5,099.40 Adjustments for Liabilities & Assets -44,752.18 -17,272.41 -23,684.56 -21,152.49 -15,395.47 -76,150.26 3,292.66 -21,782.55 9,399.93 32,827.47 Refund/(Payment) of direct taxes -5,366.86 -742.31 -5,127.45 -44.70 -4,139.30 1,209.38 1,413.52 1,497.29 -2,751.61 -2,407.80 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -1,562.79 -3,966.98 -268.80 141.03 -3,957.05 -563.35 -426.04 -3,995.41 -539.37 -688.70 Net Fixed Assets -627.02 -3197.99 -153.75 -6066.91 -2408.94 -446.38 -460.48 -3953.28 -483.42 -677.10 Other Investment Activity -27823.22 -23498.02 -19890.20 -23834.53 -14373.92 -11827.67 -14950.66 -11034.14 -7230.19 -6830.52 Cash from Financing Activity -5,725.21 -1,319.39 3,389.67 14,589.74 4,408.92 4,078.65 -198.26 -615.73 -6.44 5,151.34 Closing Cash & Equivalent 95,703.24 122,654.99 120,412.82 121,901.12 89,229.62 92,897.38 150,469.91 133,900.35 148,353.15 130,877.91 Net Cash Inflow / Outflow -26,951.75 2,242.17 -1,488.30 15,660.27 -3,667.76 -57,572.53 16,569.56 -14,452.80 17,475.24 45,479.01 Opening Cash & Equivalents 122,654.99 120,412.82 121,901.12 89,229.62 92,897.38 150,469.91 133,900.35 148,353.15 130,877.91 85,398.90

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity -21,270.55 6,210.35 -887.05 1,519.34 -1,449.07 -59,691.70 17,864.83 -10,011.31 17,838.31 42,232.62 PBT 20,781.87 10,157.76 6,466.94 -1,248.34 1,537.62 -2,080.72 3,061.91 -6,247.27 6,062.27 6,065.87 Adjustment 13,579.53 17,503.17 19,876.62 24,276.66 16,176.21 17,665.65 11,033.10 17,651.19 6,752.44 6,194.38 Adjustments for Liabilities & Assets -50,013.99 -20,442.70 -21,902.09 -21,241.99 -14,863.05 -76,236.90 2,521.18 -22,785.97 7,909.25 32,485.61 Refund/(Payment) of direct taxes -5,617.96 -1,007.88 -5,328.52 -266.99 -4,299.84 960.28 1,248.65 1,370.74 -2,885.65 -2,513.24 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -1,096.26 -3,645.07 -471.39 -139.01 -2,537.37 -413.63 -550.62 -4,005.10 -556.34 -730.36 Net Fixed Assets -627.02 -3197.99 -153.75 -6066.91 -2408.94 -446.38 -460.48 -3953.28 -483.42 -677.10 Other Investment Activity -27501.31 -23700.61 -20170.24 -22414.85 -14224.20 -11952.25 -14960.35 -11051.11 -7271.85 -6572.23 Cash from Financing Activity -5,488.40 -997.81 -985.50 14,728.67 4,448.53 3,413.08 -198.26 -615.73 -6.44 5,151.34 Closing Cash & Equivalent 102,373.39 130,228.60 128,661.13 131,005.07 97,884.84 97,422.75 154,115.00 136,999.05 151,631.19 134,355.67 Net Cash Inflow / Outflow -27,855.21 1,567.47 -2,343.94 16,109.00 462.09 -56,692.25 17,115.95 -14,632.14 17,275.52 46,653.60 Opening Cash & Equivalents 130,228.60 128,661.13 131,005.07 97,884.84 97,422.75 154,115.00 136,999.05 151,631.19 134,355.67 87,702.07

Financial Ratios

Consolidated /

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value 189.93 166.12 148.98 142.35 156.59 152.10 159.39 156.55 175.66 162.69 NIM 2.96 2.68 2.65 2.53 2.50 2.27 2.04 2.00 1.90 1.86 Yield on Advances 9.52 8.99 9.98 11.01 10.62 10.21 11.01 11.48 10.04 9.81 Yield on Investments 6.41 6.44 7.83 7.59 7.56 7.54 10.19 9.84 8.94 8.13 Cost of Liabilities 3.69 3.24 4.03 4.67 4.43 4.30 4.54 5.16 4.56 4.45 Interest Spread 5.83 5.75 5.95 6.34 6.18 5.91 6.47 6.33 5.48 5.35 ROCE 13.47% 8.00% 6.27% 2.17% 3.90% -0.76% 6.05% -6.15% 10.27% 11.04% Cost Income Ratio 47.72 49.24 49.21 49.97 45.56 45.87 45.86 50.30 43.63 43.44 Core Cost Income Ratio 47.79 51.30 54.35 53.89 47.46 50.11 52.66 53.88 46.28 45.50 Operating Costs to Assets 1.68 1.70 1.78 1.63 1.45 1.41 1.34 1.33 1.07 1.08 Loans/Deposits 0.08 0.10 0.07 0.10 0.11 0.11 0.05 0.06 0.06 0.06 Cash/Deposits 0.05 0.07 0.04 0.03 0.04 0.04 0.04 0.04 0.04 0.03 Investment/Deposits 0.30 0.30 0.27 0.29 0.29 0.28 0.22 0.21 0.19 0.20 Inc Loan/Deposits 8.47% 9.93% 6.91% 9.84% 10.52% 10.58% 5.09% 5.83% 5.71% 6.47% Credit Deposits 78.18% 74.30% 73.04% 72.95% 73.40% 72.28% 63.70% 66.85% 69.32% 69.79% Interest Expended / Interest earned 53.84% 53.32% 59.13% 63.87% 62.87% 64.44% 67.98% 71.09% 69.31% 69.27% Interest income / Total funds 6.14% 5.47% 6.10% 6.56% 6.37% 6.06% 6.07% 6.56% 6.01% 5.90% Interest Expended / Total funds 3.31% 2.92% 3.61% 4.19% 4.01% 3.91% 4.13% 4.67% 4.16% 4.09% CASA 39.47% 41.46% 40.15% 35.29% 35.04% 35.81% 32.16% 26.36% 26.39% 25.75%

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value 203.14 177.65 159.32 151.46 171.64 163.97 171.25 166.50 185.43 171.30 NIM 3.02 2.71 2.74 2.56 2.62 2.38 2.17 2.08 2.02 1.95 Yield on Advances 9.77 9.20 10.28 11.17 10.93 10.52 11.34 11.70 10.32 10.02 Yield on Investments 6.63 6.50 8.05 7.60 7.75 7.69 10.20 9.72 9.11 8.23 Cost of Liabilities 3.72 3.27 4.05 4.68 4.43 4.34 4.56 5.17 4.59 4.47 Interest Spread 6.05 5.93 6.23 6.49 6.50 6.18 6.77 6.52 5.73 5.55 ROCE 13.33% 8.12% 6.68% 2.67% 4.64% 0.20% 6.62% -5.34% 10.69% 11.49% Cost Income Ratio 50.37 50.73 49.86 52.07 45.14 45.51 45.37 50.61 43.42 41.23 Core Cost Income Ratio 50.42 52.90 54.54 55.85 46.79 49.26 51.33 53.87 45.81 42.99 Operating Costs to Assets 2.01 1.85 1.92 1.78 1.56 1.51 1.44 1.44 1.17 1.12 Loans/Deposits 0.09 0.10 0.07 0.10 0.10 0.11 0.05 0.06 0.06 0.06 Cash/Deposits 0.05 0.07 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.03 Investment/Deposits 0.32 0.32 0.28 0.30 0.29 0.29 0.23 0.22 0.20 0.21 Inc Loan/Deposits 8.74% 10.18% 7.16% 9.84% 10.35% 10.68% 5.06% 5.77% 5.64% 6.38% Credit Deposits 78.05% 74.11% 72.62% 72.60% 72.75% 72.09% 63.55% 66.73% 69.12% 69.61% Interest Expended / Interest earned 53.05% 52.89% 58.13% 63.43% 61.44% 63.31% 66.55% 70.11% 68.01% 68.22% Interest income / Total funds 6.17% 5.48% 6.18% 6.57% 6.45% 6.16% 6.18% 6.63% 6.12% 5.98% Interest Expended / Total funds 3.27% 2.90% 3.59% 4.17% 3.97% 3.90% 4.11% 4.65% 4.16% 4.08% CASA 39.24% 41.14% 39.80% 35.03% 34.61% 35.63% 32.09% 26.42% 26.43% 25.83%

Top Investors:

lic health plus non unit fund

hdfc trustee company limited hdfc flexi cap fund

nps trust ac lic pension fund limited apy fund s

kotak balanced advantage fund

nippon life india trustee ltd ac nippon india fle

investor education and protection fund (iepf)

Annual Reports:

News Update:

Bank of Baroda’s global deposits rise 10% in Q4FY24
6th Apr 2024, 14:07 PM

Its Global advances stood at Rs 10,89,822 crore (Provisional) as of March 31, 2024
Read More
Bank of Baroda acquires co-branding rights for three stations of Delhi Metro
27th Mar 2024, 10:15 AM

Delhi Metro Rail Corporation awarded the naming rights to the bank for a period of 10 years, beginning from 2024
Read More
Bank of Baroda launches bob Earth Green Deposits
12th Mar 2024, 14:46 PM

The Bank is offering interest rates of up to 7.15% p.a
Read More
Bank of Baroda raises Rs 2,500 crore through Bonds
23rd Feb 2024, 12:20 PM

The bank has received a strong response from investors, which allowed it to price the issue at a very competitive coupon rate of 7.57 per cent
Read More
Bank Of Baroda - Quarterly Results
31st Jan 2024, 13:58 PM

Read More
BoB launches seven current account products for diverse business segments
31st Jan 2024, 12:15 PM

Each current account product has been specially curated to meet the specific business banking needs of different business segments
Read More
Bank of Baroda raises Rs 5,000 crore through infrastructure bonds
29th Jan 2024, 11:39 AM

It accepted bids for Rs 5,000 crore at a coupon of 7.57% per annum
Read More

Bank Of Baroda

Bank - Public

BSE: 532134 | NSE: BANKBARODA

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

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P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

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Consolidated Figures in Rs. Crores /

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Consolidated /

Top Investors:

Annual Reports:

News Update:

Bank Of Baroda

Bank - Public

BSE: 532134 | NSE: BANKBARODA

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

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Consolidated /

Top Investors:

Annual Reports:

News Update: