BANKBARODA Financial Statements

BANKBARODA Annual Results

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Y/e 31 Mar Mar-2017 Mar-2016 Mar-2015 Mar-2014
Growth matrix (%)        
Net interest income 6.07 (3.40) 10.20 5.75
Total op income 14.30 0.85 7.07 9.92
Op profit (pre-provision) 24.50 (11) 6.72 3.24
Net profit (126) (259) (25) 1.35
Advances (0.10) (10) 7.82 21
Deposits 4.81 (8.80) 8.52 20.10
Total assets 3.50 (6.10) 8.41 20.50
Profitability Ratios (%)        
NIM -- 2.05 2.31 2.36
Non-int inc/Total inc 33.30 28.20 25 27.20
Return on Avg Equity 3.44 (13) 8.96 13.40
Return on Avg Assets 0.20 (0.80) 0.49 0.75
Per share ratios ()        
EPS 5.99 -- 14.70 20.40
Adj.BVPS -- -- -- --
DPS 1.20 -- 3.20 4.30
Other key ratios (%)        
Credit/Deposits 0.64 0.67 0.68 0.68
Cost/Income 104 116 108 120
CASA 32.20 26.40 26.40 22.10
CAR 12.20 13.20 12.60 12.30
Tier-I capital 9.93 10.80 9.87 9.28
Gross NPLs/Loans -- -- -- --
Prov/Avg loans 2.22 3.82 1.09 1.05
Net NPLs/Net loans -- -- -- --
Tax rate 0.79 0.24 0.60 0.21
Dividend yield 0.69 -- 1.96 14.90
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Y/e 31 Mar ( In .Cr) Mar-2017 Mar-2016 Mar-2015 Mar-2014
Interest income 42,200 44,061 42,964 38,940
Interest expense (28,687) (31,321) (29,776) (26,974)
Net interest income 13,513 12,740 13,187 11,965
Non-interest income 6,758 4,999 4,402 4,463
Total op income 20,271 17,739 17,589 16,428
Total op expenses (9,296) (8,923) (7,674) (7,137)
Op profit (pre-prov) 10,975 8,816 9,915 9,291
Provisions (8,502) (15,514) (4,494) (3,794)
Exceptionals -- -- -- --
Profit before tax 2,473 (6,698) 5,421 5,497
Taxes (1,090) 1,303 (2,022) (956)
Net profit 1,383 (5,396) 3,398 4,541
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Y/e 31 Mar ( In .Cr) Mar-2021 Mar-2020 Mar-2019 Mar-2018
Total cash & equivalents 120,413 121,901 89,230 92,897
Investments 261,220 274,615 182,298 163,185
Advances 706,301 690,121 468,819 427,432
Total int-earning assets 1,087,934 1,086,636 740,346 683,514
Fixed assets 8,016 8,889 6,990 5,367
Other assets 59,415 62,390 33,651 31,119
Total assets 1,155,365 1,157,916 780,987 720,000
Net worth 77,046 71,856 50,983 43,395
Deposits 966,997 945,984 638,690 591,315
Borrowings 66,848 93,069 67,201 62,572
Total int-bearing liabs 1,033,845 1,039,054 705,891 653,887
Non-int-bearing liabs 44,474 47,006 24,113 22,718
Total liabilities 1,078,319 1,086,059 730,004 676,605
Equity + Total liabilities 1,155,365 1,157,916 780,987 720,000
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Particulars ( Rupees In Crores.) Mar-2021 Mar-2020 Mar-2019 Mar-2018
Interest Earned 70,495 75,984 49,771 43,649
Other Income 12,934 10,317 6,294 6,657
Total Income 83,429 86,301 56,065 50,306
Operating Expenses ** 62,230 67,405 42,578 38,300
Operating Profit Before Prov. & Cont. 21,199 18,896 13,487 12,006
Provisions & Contingencies 15,643 20,698 12,789 14,796
Depreciation -- -- -- --
Provision For Taxes 4,727 (2,348) 265 (359)
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 829 546 434 (2,432)
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 829 546 434 (2,432)
EPS (Unit Curr.) 1.78 1.36 1.64 (11)
EPS (Adj) (Unit Curr.) 1.78 1.36 1.64 (11)
Calculated EPS (Unit Curr.)  1.60 1.18 1.63 (9.20)
Calculated EPS (Adj) (Unit Curr.) 1.60 1.18 1.63 (9.20)
Calculated EPS (Ann.) (Unit Curr.)  1.60 1.18 1.63 (9.20)
Calculated EPS (Adj) (Ann.) (Unit Curr.)  1.60 1.18 1.63 (9.20)
Book Value (Unit Curr.) -- -- -- --
Dividend (%) -- -- -- --
Equity 1,036 925 530 530
Reserve & Surplus  70,833 64,851 40,897 39,708
Face Value 2 2 2 2
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI 64 71.60 63.70 64
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares -- -- -- --
Non Encumbered - % in Total Promoters Holding -- -- -- --
Non Encumbered - % in Total Equity -- -- -- --
PBIDTM(%) 67 61.50 64.30 58
PBDTM(%) 7.88 (2.40) 1.40 (6.40)
PATM(%) 1.18 0.72 0.87 (5.60)
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --
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