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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 -0.3 -12.6 - View Chart
P/BV x 0.1 0.5 25.2% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 INDIAN OVERSEAS BANK   BANK OF BARODA
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-18
BANK OF BARODA
Mar-18
INDIAN OVERSEAS BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs32207 15.6%   
Low Rs17128 13.4%   
Income per share (Unadj.) Rs36.6198.7 18.4%  
Earnings per share (Unadj.) Rs-12.9-8.1 158.2%  
Cash flow per share (Unadj.) Rs-36.1-28.5 126.4%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs27.1202.1 13.4%  
Shares outstanding (eoy) m4,890.772,317.83 211.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.70.8 80.0%   
Avg P/E ratio x-1.9-20.6 9.3%  
Avg P/CF ratio x1.52.8 52.5%  
Avg Price/Bookvalue ratio x0.90.8 109.9%  
Dividend payout %00-   
Avg Mkt Cap Rs m120,802388,005 31.1%   
No. of employees `00027.955.7 50.2%   
Total wages & salary Rs m29,94249,016 61.1%   
Avg. income/employee Rs Th6,412.98,274.3 77.5%   
Avg. wages/employee Rs Th1,071.8880.6 121.7%   
Avg. net profit/employee Rs Th-2,255.0-339.0 665.1%   
INCOME DATA
Interest income Rs m179,152460,564 38.9%  
Other income Rs m37,46479,922 46.9%   
Interest expense Rs m124,476291,605 42.7%   
Net interest income Rs m54,676168,959 32.4%  
Operating expense Rs m55,849113,266 49.3%   
Gross profit Rs m-1,17455,693 -2.1%  
Gross profit margin %-0.712.1 -5.4%  
Provisions/contingencies Rs m145,930158,609 92.0%   
Profit before tax Rs m-86,317-20,294 425.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-513 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-23,322-1,936 1,204.5%   
Profit after tax Rs m-62,995-18,871 333.8%  
Net profit margin %-35.2-4.1 858.2%  
BALANCE SHEET DATA
Advances Rs m1,324,8884,379,413 30.3%   
Deposits Rs m2,168,3186,074,514 35.7%  
Credit/Deposit ratio x61.172.1 84.8%  
Yield on advances %9.06.9 131.3%   
Cost of deposits %5.34.4 119.9%   
Net Interest Margin %2.42.4 98.6%  
Net fixed assets Rs m28,93455,323 52.3%   
Share capital Rs m48,9085,304 922.2%   
Free reserves Rs m69,912317,378 22.0%   
Net worth Rs m132,740468,388 28.3%   
Borrowings Rs m92,281648,598 14.2%   
Investments Rs m686,4591,586,777 43.3%   
Total assets Rs m2,479,6817,478,049 33.2%  
Debt/equity ratio x17.014.4 118.6%   
Return on assets %-2.5-0.3 1,006.7%  
Return on equity %-47.5-4.0 1,177.9%  
Capital adequacy ratio %9.312.1 76.3%  
Net NPAs %15.35.5 279.2%  
CASH FLOW
From Operations Rs m-17,933-596,917 3.0%  
From Investments Rs m-1,151-4,136 27.8%  
From Financial Activity Rs m52,30334,131 153.2%  
Net Cashflow Rs m33,220-566,923 -5.9%  

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:   IDFC BANK LTD  KARNATAKA BANK  ANDHRA BANK  ORIENTAL BANK  PUNJAB & SIND BANK  

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



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