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GROUP3

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

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PROFILE

On 20th July 1908, under the Companies Act of 1897, and with a paidup capital of Rs 10 Lacs started the legend that has now translated intoa 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 ofICICI 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 liabilityfranchise and improved credit culture, the Bank has managed to gainmarket share consistently during the past three years amidst

maintaining high profitability and asset quality standards.

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LIABILITIESIt shows how much the Company owes to others. It comprises of:

Capital Reserves & Surplus

Deposits

Borrowings Other Liabilities & Provisions

0.11%5.75%

85.22%

6.22%2.69%0.13%

5.30%

86.69%

4.80% 3.09%

Capital Reserves &Surplus

Deposits Borrowings Other Liabilties& Provisions

31-Mar-11 31-Mar-10

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LIABILITIES:-

DEPOSITS

76.39% 76.89%

23.61% 23.11%

2011 2010

Deposits of branches in India Deposits of Branches outside India

Deposits is a major component of the Liabilities side of the bank.(Rs. In 000)

Deposits of branches in India 2,333,233,001 1,855,002,469

Deposits of Branches outside India 721,161,818 557,616,783

TOTAL 3,054,394,819 2,412,619,252

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ASSETS

5.54%8.39%

19.88%

63.81%

0.64% 1.74%4.86%

7.88%

21.98%

62.89%

0.82% 1.56%

Cash &

Balances with

RBI

Balance with

Banks and

Money at Call

and Short

Notice

Investments Loans &

Advances

Fixed Assets Other Assets

31-Mar-11 31-Mar-10

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ASSETS:-INVESTMENTS

These are assets held to earn interest and help meet liquidity needs. It

comprises :-

31/Mar/10

94.08%

31/Mar/11

94.95%

31/Mar/10

5.92%31/Mar/11

5.05%

investments in India Investments outside India

(Rs. In 000) 31-Mar-11 31-Mar-10Investments in India 676,643,732 575,616,432

Investments outside India 35,962,577 36,207,322

TOTAL 712,606,309 611,823,754

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ASSETS :- LOANS & ADVANCES

12.98%

42.77% 44.25%

11.01%

45.49% 43.50%

Bill Purchased and

discounted

Cash Credits, Overdrafts and

loans repayable

Term Loans

31-Mar-11 31-Mar-10

31-Mar-11 31-Mar-10Bills Purchased and discounted 296,899,020 192,659,326

Cash Credits, Overdrafts and loans repayable 978,048,618 796,314,689

Term Loans 1,011,815,971 761,378,844

Total 2,286,763,609 1,750,352,859

The Banks Loans and Advances increased healthily by 28.7%.

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RETURN ON EQUITY (ROE = NI / TE)

ROE is composed of two parts: Return on Assets (ROA = NI / TA),

Equity Multiplier (EM = TA / TE),

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.

2011 2010

ROA 1.18% 1.10%

Equity Multiplier 17.07 18.42

ROE = (ROA*EM) 20.21% 20.25%

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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 2010

AU 6.89% 7.01%

ER 5.71% 5.91%

ROA 1.18% 1.10%

NI 42416797 30583310

TE 209931119 151063827

ROE (same asROA*EM)

20.21% 20.25%

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AGGREGATE PROFITABILITY MEASURES

31-Mar-11 31-Mar-10

Net Interest Margin =NII/ EARNING ASSETS(EA)

2.93% 2.51%

Spread

=(INT INCOME/EA)

(INT EXPENSE/INT BEARING

LIABILITIES) 3.30% 2.84%

Earning Base

=EA / TA 83.69% 84.87%

Burden/TA =(NONINTEREST EXP. - NONINTEREST

INCOME) / TA 0.51% 0.36%

Efficiency Ratio =NON INT. EXP. / (NET INT. INC. +

NON INT. INC.) 39.87% 43.57%

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NPA

31-Mar-11 31-Mar-10Gross NPA (Rs. 000) 3152.50 2400.69

Net NPA to Net Advances 0.35 0.34

Sector-wise NPAPercentage of NPA to total

advances in that sector

31-Mar-11 31-Mar-10

Agriculture & Allied Activities 3.47 3.33

Industry(Micro, Small, Medium & Large) 1.76 1.06

Services 1.22 0.82

Personal Loans 1.72 3.68

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EPS

31-Mar-11 31-Mar-10

Net PAT (Rs. In Crores) 4433.71 3179.30

No. of Shares 391546079 364266500

Basic & Diluted EPS (Rs.) 121.34 87.28

Nominal Value per Share (Rs.) 10 10

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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.

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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%.