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Compare Indian Overseas Bank with Bank of Baroda - Equitymaster
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INDIAN OVERSEAS BANK vs BANK OF BARODA - Comparison Results

BANK OF BARODA 
   Change

Bank of Baroda (BoB) is among the top banks in the country with a 6.8% share of the total non-food disbursals at the end of FY12. After a brand and operating overhaul, the bank has seen accelerated growth, enabling it to position itself favourably am... More

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Current Valuations

    INDIAN OVERSEAS BANK BANK OF BARODA INDIAN OVERSEAS BANK/
BANK OF BARODA
 
P/E (TTM) x -0.8 32.6 - View Chart
P/BV x 0.2 0.9 20.7% View Chart
Dividend Yield % 0.0 0.7 -  

Financials

 INDIAN OVERSEAS BANK   BANK OF BARODA
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-16
BANK OF BARODA
Mar-17
INDIAN OVERSEAS BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs48192 24.8%   
Low Rs21128 16.4%   
Income per share (Unadj.) Rs130.1191.9 67.8%  
Earnings per share (Unadj.) Rs-18.77.8 -239.3%  
Cash flow per share (Unadj.) Rs-32.117.1 -187.5%  
Dividends per share (Unadj.) Rs01.20 0.0%  
Avg Dividend yield %00.7 0.0%  
Book value per share (Unadj.) Rs86.7185.8 46.7%  
Shares outstanding (eoy) m1,807.272,317.83 78.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.30.8 31.6%   
Avg P/E ratio x-1.820.4 -9.0%  
Avg P/CF ratio x1.93.3 58.3%  
Avg Price/Bookvalue ratio x0.40.9 45.9%  
Dividend payout %015.3 0.0%   
Avg Mkt Cap Rs m61,989370,911 16.7%   
No. of employees `000NA52.4 0.0%   
Total wages & salary Rs m33,90448,887 69.4%   
Avg. income/employee Rs ThNM8,484.1-  
Avg. wages/employee Rs ThNM932.6-  
Avg. net profit/employee Rs ThN.A.346.2-  
INCOME DATA
Interest income Rs m235,173444,735 52.9%  
Other income Rs m25,28379,368 31.9%   
Interest expense Rs m181,346295,957 61.3%   
Net interest income Rs m53,827148,777 36.2%  
Operating expense Rs m50,255103,498 48.6%   
Gross profit Rs m3,57245,279 7.9%  
Gross profit margin %1.510.2 14.9%  
Provisions/contingencies Rs m66,13694,404 70.1%   
Profit before tax Rs m-42,17931,019 -136.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-400 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-8,30812,469 -66.6%   
Profit after tax Rs m-33,87218,150 -186.6%  
Net profit margin %-14.44.1 -352.9%  
BALANCE SHEET DATA
Advances Rs m1,608,6073,922,623 41.0%   
Deposits Rs m2,245,1426,172,569 36.4%  
Credit/Deposit ratio x71.663.5 112.7%  
Yield on advances %10.47.3 142.6%   
Cost of deposits %7.24.5 161.7%   
Net Interest Margin %2.12.2 94.8%  
Net fixed assets Rs m32,70559,297 55.2%   
Share capital Rs m18,0734,621 391.1%   
Free reserves Rs m89,452212,918 42.0%   
Net worth Rs m156,658430,676 36.4%   
Borrowings Rs m271,833312,420 87.0%   
Investments Rs m791,8961,407,164 56.3%   
Total assets Rs m2,744,3687,192,205 38.2%  
Debt/equity ratio x16.115.1 106.7%   
Return on assets %-1.20.3 -489.1%  
Return on equity %-21.64.2 -513.1%  
Capital adequacy ratio %9.712.2 78.9%  
Net NPAs %11.94.7 251.9%  
CASH FLOW
From Operations Rs m-15,515178,648 -8.7%  
From Investments Rs m-2,536-5,506 46.0%  
From Financial Activity Rs m-8,472-1,983 427.3%  
Net Cashflow Rs m-26,523171,159 -15.5%  

Share Holding

Indian Promoters % 73.8 56.3 131.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 15.3 16.6 92.3%  
FIIs % 1.9 15.6 12.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 9.1 11.5 78.9%  
Shareholders   250,609 180,376 138.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN OVERSEAS BANK With:   UNITED BANK OF INDIA  PUNJAB & SIND BANK  VIJAYA BANK  ORIENTAL BANK  BANK OF MAHARASHTRA  

Compare INDIAN OVERSEAS BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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