Bank Of Baroda
Bank of Baroda was incorporated in 1908 and nationalised in 1969, along with 13 other major commercial banks of India, by the GoI. BoB is headquartered in Vadodara while its corporate office is in Mumbai. On September 17, 2018, the GoI announced the ...
Key Metrics
EPS
36.20
Current ratio
0.07
Debt/Equity
12.74
Debt/EBITDA
55.91
Interest coverage ratio
-
Operating Cashflow to total debt
0.00
Financials
Pros & Cons
Exclusive on TAP Bonds
Here's what we like about this company and potential risks we have identified.
Pros
Second largest PSB with majority sovereign ownership
Strong capital position while solvency profile improves
Well-developed deposit franchise, leading to competitive cost of funds
Healthy earnings profile
Liquidity position: Superior
Cons
Reduction in GOI support and ownership below 51%.
Deterioration in the asset quality parameters: net non-performing assets (NNPA) ratio of over 3% on a sustained basis.
Decline in profitability, with return on total assets (ROTA) below 0.50% on a sustained basis.
Moderation in capitalisation cushion levels of less than 2.5% over and above the minimum regulatory requirement.
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About Bank Of Baroda bond.
This comprehensive profile covers key factual information about Bank Of Baroda. Bank of Baroda was incorporated in 1908 and nationalised in 1969, along with 13 other major commercial banks of India, by the GoI. BoB is headquartered in Vadodara while its corporate office is in Mumbai. On September 17, 2018, the GoI announced the merger of Vijaya Bank and Dena Bank with BoB. The merger became effective on April 01, 2019. As of March 31, 2024, BoB had 8,243 branches and 9,426 ATMs across India, of which ~60% are rural/semi-urban branches.It has an international presence with 91 overseas offices in 17 countries. Post-merger, BoB became the second largest PSB in the Indian banking sectorin terms of total business (advances and deposits cumulatively as on March 31, 2024). The GoI held a 63.97% stake in the bank as on June 30, 2024. EPS in Mar-2024 was 36.20. Current ratio in Mar-2024 was 0.07. Debt/Equity in Mar-2024 was 12.74. Debt/EBITDA in Mar-2024 was 55.91. Interest coverage ratio in Mar-2024 was . Operating Cashflow to total debt in Mar-2024 was 0.00. Total revenue for Mar-2025 (E) was ₹167423.14. Net income for Mar-2025 (E) stood at ₹24752.01. Total assets as of Mar-2024 were ₹1658277.85. Operating cash flow for Mar-2024 was ₹-6,273.96. Peers and comparison entities consist of Bank of Baroda Limited, State Bank of India, Punjab National Bank, Indian Overseas Bank. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Second largest PSB with majority sovereign ownership ; Strong capital position while solvency profile improves; Well-developed deposit franchise, leading to competitive cost of funds ; Healthy earnings profile ; Liquidity position: Superior. Key risks include: Reduction in GOI support and ownership below 51%.; Deterioration in the asset quality parameters: net non-performing assets (NNPA) ratio of over 3% on a sustained basis.; Decline in profitability, with return on total assets (ROTA) below 0.50% on a sustained basis.; Moderation in capitalisation cushion levels of less than 2.5% over and above the minimum regulatory requirement.. Leadership team details include Ajay K Khurana (Executive Director), Ajay Singhal (Non Executive Director), Alok Vajpeyi (Shareholder Director), Basetha Vijay Kumar (General Manager), Behera Nityananda (General Manager), Bhagoliwal Sanjay (General Manager), Debadatta Chand (Managing Director & CEO), Desouza Ian Gerard (Chief Financial Officer), Dheerendra Settipalli (General Manager), Dixit Surendra Kumar (Chief Vigilance Officer), Dobhal Sanjeev (General Manager), Gupta Man Mohan (General Manager), Kumar Ashwini (General Manager), Lal Singh (Executive Director), Lalit Tyagi (Executive Director), Malhotra Rajesh (Chief General Manager), Mukesh Kumar Bansal (Government Nominee Director), Nina Nagpal (Shareholder Director), P K Agarwal (Company Secretary & Compliance Officer), Parvathy V Sundaram (Nominee Director), Ranjan Nishant (General Manager), S Anantharaman (Chief Risk Officer), Sanjay Vinayak Mudaliar (Executive Director), Singh Inder Mohan (General Manager). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.