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Compare Karnataka Bank with Bank of Baroda - Equitymaster
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KARNATAKA 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

    KARNATAKA BANK BANK OF BARODA KARNATAKA BANK/
BANK OF BARODA
 
P/E (TTM) x 7.3 -16.2 - View Chart
P/BV x 0.9 0.8 119.6% View Chart
Dividend Yield % 3.4 0.0 -  

Financials

 KARNATAKA BANK   BANK OF BARODA
EQUITY SHARE DATA
    KARNATAKA BANK
Mar-16
BANK OF BARODA
Mar-16
KARNATAKA BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs155216 71.7%   
Low Rs86109 78.5%   
Income per share (Unadj.) Rs264.9197.6 134.1%  
Earnings per share (Unadj.) Rs22.1-21.9 -100.9%  
Cash flow per share (Unadj.) Rs63.3-52.8 -119.9%  
Dividends per share (Unadj.) Rs5.000-  
Avg Dividend yield %4.20-  
Book value per share (Unadj.) Rs195.8183.4 106.8%  
Shares outstanding (eoy) m188.462,317.83 8.1%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.50.8 55.2%   
Avg P/E ratio x5.5-7.4 -73.3%  
Avg P/CF ratio x3.13.5 88.2%  
Avg Price/Bookvalue ratio x0.60.9 69.2%  
Dividend payout %22.70-   
Avg Mkt Cap Rs m22,700377,517 6.0%   
No. of employees `0007.852.0 15.0%   
Total wages & salary Rs m4,43052,010 8.5%   
Avg. income/employee Rs Th6,406.88,803.9 72.8%   
Avg. wages/employee Rs Th568.5999.8 56.9%   
Avg. net profit/employee Rs Th533.5-974.2 -54.8%   
INCOME DATA
Interest income Rs m49,922457,990 10.9%  
Other income Rs m5,42959,922 9.1%   
Interest expense Rs m36,893321,074 11.5%   
Net interest income Rs m13,029136,916 9.5%  
Operating expense Rs m9,91299,624 9.9%   
Gross profit Rs m3,11737,291 8.4%  
Gross profit margin %6.28.1 76.7%  
Provisions/contingencies Rs m3,265159,540 2.0%   
Profit before tax Rs m5,284-62,126 -8.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-347 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,127-11,796 -9.6%   
Profit after tax Rs m4,157-50,677 -8.2%  
Net profit margin %8.3-11.1 -75.3%  
BALANCE SHEET DATA
Advances Rs m339,0243,914,860 8.7%   
Deposits Rs m504,8825,866,905 8.6%  
Credit/Deposit ratio x67.166.7 100.6%  
Yield on advances %10.97.8 139.2%   
Cost of deposits %7.15.1 139.1%   
Net Interest Margin %2.42.1 117.6%  
Net fixed assets Rs m3,06663,592 4.8%   
Share capital Rs m1,8854,621 40.8%   
Free reserves Rs m12,672209,263 6.1%   
Net worth Rs m36,906425,032 8.7%   
Borrowings Rs m10,515338,452 3.1%   
Investments Rs m162,5671,288,941 12.6%   
Total assets Rs m565,0036,911,791 8.2%  
Debt/equity ratio x14.014.6 95.7%   
Return on assets %0.7-0.7 -100.3%  
Return on equity %11.3-11.9 -94.5%  
Capital adequacy ratio %12.013.2 91.3%  
Net NPAs %2.45.1 46.4%  
CASH FLOW
From Operations Rs m6,359-100,113 -6.4%  
From Investments Rs m-579-40,051 1.4%  
From Financial Activity Rs m-1,473-6,157 23.9%  
Net Cashflow Rs m4,308-146,321 -2.9%  

Share Holding

Indian Promoters % 0.0 56.3 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 21.1 16.6 127.3%  
FIIs % 10.0 15.6 64.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 68.9 11.5 597.1%  
Shareholders   123,252 180,376 68.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare KARNATAKA BANK With:   ICICI BANK  ING VYSYA BANK  ORIENTAL BANK  CITY UNION BANK  DENA BANK  

Compare KARNATAKA BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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