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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 -16.9 - View Chart
P/BV x 0.2 0.8 22.4% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 INDIAN OVERSEAS BANK   BANK OF BARODA
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-16
BANK OF BARODA
Mar-16
INDIAN OVERSEAS BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs48216 22.0%   
Low Rs21109 19.3%   
Income per share (Unadj.) Rs130.1197.6 65.9%  
Earnings per share (Unadj.) Rs-18.7-21.9 85.7%  
Cash flow per share (Unadj.) Rs-32.1-52.8 60.8%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs86.7183.4 47.3%  
Shares outstanding (eoy) m1,807.272,317.83 78.0%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.30.8 32.0%   
Avg P/E ratio x-1.8-7.4 24.6%  
Avg P/CF ratio x1.93.5 55.4%  
Avg Price/Bookvalue ratio x0.40.9 44.6%  
Dividend payout %00-   
Avg Mkt Cap Rs m61,989377,517 16.4%   
No. of employees `000NA52.0 0.0%   
Total wages & salary Rs m33,90452,010 65.2%   
Avg. income/employee Rs ThNM8,803.9-  
Avg. wages/employee Rs ThNM999.8-  
Avg. net profit/employee Rs ThN.A.-974.2-  
INCOME DATA
Interest income Rs m235,173457,990 51.3%  
Other income Rs m25,28359,922 42.2%   
Interest expense Rs m181,346321,074 56.5%   
Net interest income Rs m53,827136,916 39.3%  
Operating expense Rs m50,25599,624 50.4%   
Gross profit Rs m3,57237,291 9.6%  
Gross profit margin %1.58.1 18.7%  
Provisions/contingencies Rs m66,136159,540 41.5%   
Profit before tax Rs m-42,179-62,126 67.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-347 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-8,308-11,796 70.4%   
Profit after tax Rs m-33,872-50,677 66.8%  
Net profit margin %-14.4-11.1 130.2%  
BALANCE SHEET DATA
Advances Rs m1,608,6073,914,860 41.1%   
Deposits Rs m2,245,1425,866,905 38.3%  
Credit/Deposit ratio x71.666.7 107.4%  
Yield on advances %10.47.8 132.1%   
Cost of deposits %7.25.1 141.6%   
Net Interest Margin %2.12.1 98.5%  
Net fixed assets Rs m32,70563,592 51.4%   
Share capital Rs m18,0734,621 391.1%   
Free reserves Rs m89,452209,263 42.7%   
Net worth Rs m156,658425,032 36.9%   
Borrowings Rs m271,833338,452 80.3%   
Investments Rs m791,8961,288,941 61.4%   
Total assets Rs m2,744,3686,911,791 39.7%  
Debt/equity ratio x16.114.6 110.0%   
Return on assets %-1.2-0.7 168.3%  
Return on equity %-21.6-11.9 181.3%  
Capital adequacy ratio %9.713.2 73.3%  
Net NPAs %11.95.1 235.0%  
CASH FLOW
From Operations Rs m-15,515-100,113 15.5%  
From Investments Rs m-2,536-40,051 6.3%  
From Financial Activity Rs m-8,472-6,157 137.6%  
Net Cashflow Rs m-26,523-146,321 18.1%  

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:   PNB  SOUTH IND.BANK  ICICI BANK  CANARA BANK  AXIS BANK  

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



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