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GROUP 3

Akanksha Shukla Abhishek John Aind Nikhil Wajekar Nishant Singhaniya Subin George Sajan 10020241005 10020241029 10020241073 10020241016 10020241053

PROFILE

On 20th July 1908, under the Companies Act of 1897, and with a paid up capital of Rs 10 Lacs started the legend that has now translated into a strong, trustworthy financial body, THE BANK OF BARODA. Bank of Baroda Bank of Baroda (BoB) is the third largest bank in India, after the State Bank of India and the Punjab National Bank and ahead of ICICI Bank. BoB has total assets in excess of Rs. 3,583 billion, a network of over 3,409 branches and offices, and about 1,657 ATMs. Cashing in on its strong capital and liquidity position, robust liability franchise and improved credit culture, the Bank has managed to gain market share consistently during the past three years amidst maintaining high profitability and asset quality standards.

LIABILITIES
It shows how much the Company owes to others. It comprises of: Borrowings Capital Other Liabilities & Provisions Reserves & Surplus Deposits
31-Mar-11 31-Mar-10

86.69% 85.22%

0.11% 0.13%

5.75% 5.30%

6.22% 4.80%

2.69% 3.09%

Capital

Reserves & Surplus

Deposits

Borrowings

Other Liabilties & Provisions

LIABILITIES:DEPOSITS
Deposits is a major component of the Liabilities side of the bank.
(Rs. In 000) 1,855,002,469 557,616,783 2,412,619,252

Deposits of branches in India Deposits of Branches outside India TOTAL


Deposits of branches in India 76.39%

2,333,233,001 721,161,818 3,054,394,819

Deposits of Branches outside India 76.89%

23.61%

23.11%

2011

2010

ASSETS

31-Mar-11

63.81% 62.89%

31-Mar-10

21.98% 19.88% 5.54%4.86% 8.39%7.88% 0.64%0.82% 1.74%1.56%

Cash & Balance with Balances with Banks and RBI Money at Call and Short Notice

Investments

Loans & Advances

Fixed Assets

Other Assets

ASSETS:-INVESTMENTS
These are assets held to earn interest and help meet liquidity needs. It comprises :(Rs. In 000) 31-Mar-11 31-Mar-10 Investments in India 676,643,732 575,616,432 Investments outside India 35,962,577 36,207,322 TOTAL 712,606,309 611,823,754 investments in India 31/Mar/10 94.08% Investments outside India

31/Mar/11 94.95%

31/Mar/10 5.92%

31/Mar/11 5.05%

ASSETS :- LOANS & ADVANCES


The Banks Loans and Advances increased healthily by 28.7%.
Bills Purchased and discounted Cash Credits, Overdrafts and loans repayable Term Loans Total 31-Mar-11 296,899,020 978,048,618 1,011,815,971 2,286,763,609 31-Mar-10 192,659,326 796,314,689 761,378,844 1,750,352,859

31-Mar-11 42.77%

31-Mar-10 45.49%

44.25% 43.50%

12.98% 11.01%

Bill Purchased and discounted

Cash Credits, Overdrafts and loans repayable

Term Loans

RETURN ON EQUITY (ROE = NI / TE)

ROE is composed of two parts:

Return on Assets (ROA = NI / TA), Equity Multiplier (EM = TA / TE), 2011 2010 1.10% 18.42 20.25%

ROA Equity Multiplier ROE = (ROA*EM)

1.18% 17.07 20.21%

Despite widening of the equity base, the Banks Return on Equity stood at a healthy level of 20.21% during 2010-11 with improved profitability and productivity.

PERFORMANCE ANALYSIS RATIOS

Return on Assets (ROA = NI / TA) ROA =AU(Asset utilization)- ER(Expense ratio) = (TR / TA) - (TE / TA)
Banks Return on Assets (ROA) sharply improved due to sustained gains in core earnings and operating efficiency.

Return on Equity (ROE = NI / TE)


2011 AU ER 6.89% 5.71% 2010 7.01% 5.91%

ROA
NI TE ROE (same as ROA*EM)

1.18%
42416797 209931119 20.21%

1.10%
30583310 151063827 20.25%

AGGREGATE PROFITABILITY MEASURES

31-Mar-11 31-Mar-10 Net Interest Margin =NII/ EARNING ASSETS(EA) 2.93% Spread Earning Base =EA / TA Burden/TA Efficiency Ratio 83.69% 84.87% 0.36% 43.57% =(NONINTEREST EXP. - NONINTEREST INCOME) / TA 0.51% =NON INT. EXP. / (NET INT. INC. + NON INT. INC.) 39.87% =(INT INCOME/EA) (INT EXPENSE/INT BEARING LIABILITIES) 2.51%

3.30%

2.84%

NPA
31-Mar-11
Gross NPA (Rs. 000) Net NPA to Net Advances 3152.50

31-Mar-10
2400.69

0.35

0.34

Sector-wise NPA Percentage of NPA to total advances in that sector 31-Mar-11 31-Mar-10
Agriculture & Allied Activities
Industry(Micro, Small, Medium & Large) Services Personal Loans

3.47
1.76 1.22 1.72

3.33
1.06 0.82 3.68

EPS
31-Mar-11
Net PAT (Rs. In Crores) No. of Shares Basic & Diluted EPS (Rs.) Nominal Value per Share (Rs.) 4433.71 391546079 121.34 10

31-Mar-10
3179.30 364266500 87.28 10

OBSERVATIONS

Commission, Exchange and Brokerage and a growth in operating expenses enabled the Bank to grow its Operating Profit by 43.8% (y-o-y) to Rs 6,981.61 crore and Net Profit by 38.7% (y-o-y) to Rs 4,241.68 crore in 2010-11. The Banks Domestic Low-cost or CASA deposits richly grew by 21.4% (y-o-y) forming 34.4% share of the total Domestic Deposits.

OBSERVATIONS

Priority Sector Credit recorded a growth of 18.2% during 2010-11 and formed 43.57% of its Adjusted Net Bank Credit, surpassing the mandatory requirement of 40.00%.