• Bank of Baroda Uganda
  • XUGA:BOBU KAMPALA/Uganda
  • 110.00 UGX
  • 0.00 0.00%
  • As of 2017/05/26
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  • About the Company
  • Bank of Baroda (U) Ltd is a subsidiary of Bank of Baroda, India. First financial institution to list their shares on the USE. Has 6 branches across Uganda
  • Bank of Baroda (Uganda) Ltd. engages in the provision of commercial banking services. It offers depositary and loan services, funds transfers, internet banking, automated teller machines, Baroda Connect, and equity brokering. The company was founded on December 18, 1953 and is headquartered in Kampala, Uganda.

    Under privatization move of Govt. of Uganda, Parent Bank- Bank of Baroda (India) became the sole owner by taking over 49% shareholding of Govt. of Uganda on 07.06.1999 and divested 20% shares to public in Sept. 2002.

    Baroda provides an array of products ranging from Savings Bank account, Current account, Time Deposits, Loans & Advances, ATM facilities, Forex, Treasury, Remittances, Brokerage and Investment advisory, to mention a few besides remittance, forex, collection of URA taxes, water payment of NW&SC, NSSF contribution , Umeme Power Bills etc.

    Bank of Baroda (Uganda) Ltd. is a financial institution. The Bank operates as an international bank and operates through approximately 35 service outlets, which includes approximately 20 automated teller machines (ATMs). It provides an array of products ranging from Savings Bank account, Current account, Time Deposits, Loans and Advances, ATM facilities, Forex, Treasury, Remittances, Brokerage and Investment advisory, to mention a few besides remittance, forex, collection of Uganda Revenue Authority (URA) taxes, water payment of National Water & Sewerage Corporation (NW&SC), National Social Security Fund (NSSF) contribution and Umeme Power Bills.

    Under international banking, it offers Foreign Exchange and Money Market & Government Securities. The Bank also offers transaction-based Internet banking, through Baroda Connect, which facilitates business firms and corporate to transfer funds, pay salaries to employees, view all the accounts and print the account’s statements.

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After a low of $149m in net revenues in 2013, net revenues have grown 7.7% this year slower than last year when they grew at 10%. With this growth they have not recovered to their 5-year peak of £170m
Revenue per year in US $ The higher, the better.
Profits have increased for the last 3 years $47.3m but have not recovered to peak of $51.8m in 2012
Profits per year in US $ The higher, the better.
Profit margins have remained below 30% despite increase in profits indicating a struggle to keep control of costs.
Profit Margin compared to competitors The higher, the better.
Stanbic has maintained return on assets above 3% which is double the global average but is still below the local average.
Management of Assets compared to competitors The higher, the better.
Costs as a percentage of revenue is at 62.82% significantly lower than its peak of 69.85% in 2013. This cost percentage is a lot better than the local average but worse than African average.
Management of Costs compared to competitors The lower, the better.
Cash generation by Stanbic has halved since 2012 but better than 2013 when cash generation was negative due to increased losses in government securities.
Cash Generation compared to competitors The higher, the better.
Assets are currently 90% financed by banks, this may seem high but is similar for both local and African banks. This dependence on debt has reduced slightly over the last few years
Level of Debt compared to competitors The lower, the better.
Stanbic Bank can comfortably cover its immediate debts similar to all local banks. The margin between the liquid assets and current liabilities for Stanbic is lower than other local banks but this has been driven by a drastic increase in customer deposits.
Ability to pay debt compared to competitors The higher, the better.
The available cash (working capital) has increased by 70% over the last 5 years from $112m to $191m. This shows that Stanbic has become more efficient and healthier. This enables that Stanbic to invest more money within the business.
Liquidity/Cash Availability compared to competitors The higher, the better.
Revenues have grown slower than other local banks but the growth in profits has been faster than its local peers. In 2013, Stanbic experienced a 12% drop in profits and 33% drop in revenues, similar to other local banks - this drop in earnings was due to slowdown following the 2011 Ugandan election.
Revenue Growth compared to competitors The higher, the better.
Profit Growth compared to competitors The higher, the better.
Stanbic continues to have pay out the highest level of dividends in Uganda and Africa. Currently Stanbic pays out 3% of its share price but this is half of what it paid out the previous year. This is different from other local banks where dividends have gone back.
Despite Stanbic having high levels of dividend, this drop in dividend yield raises concern about how long this will be sustained.
Return on Equity compared to competitors The higher, the better.
Dividend Yield compared to competitors The higher, the better.
Stanbic Uganda has increased the investment in the business since 2011, and is doing it at the highsest levels both locally and in Africa.
Level of Investment per year in US $ The higher, the better.
Investment Ratio compared to competitors The higher, the better.

Bank of Baroda (Uganda) Ltd. engages in the provision of commercial banking services. It offers depositary and loan services, funds transfers, internet banking, automated teller machines, Baroda Connect, and equity brokering. The company was founded on December 18, 1953 and is headquartered in Kampala, Uganda.

Under privatization move of Govt. of Uganda, Parent Bank- Bank of Baroda (India) became the sole owner by taking over 49% shareholding of Govt. of Uganda on 07.06.1999 and divested 20% shares to public in Sept. 2002.

Baroda provides an array of products ranging from Savings Bank account, Current account, Time Deposits, Loans & Advances, ATM facilities, Forex, Treasury, Remittances, Brokerage and Investment advisory, to mention a few besides remittance, forex, collection of URA taxes, water payment of NW&SC, NSSF contribution , Umeme Power Bills etc.

Bank of Baroda (Uganda) Ltd. is a financial institution. The Bank operates as an international bank and operates through approximately 35 service outlets, which includes approximately 20 automated teller machines (ATMs). It provides an array of products ranging from Savings Bank account, Current account, Time Deposits, Loans and Advances, ATM facilities, Forex, Treasury, Remittances, Brokerage and Investment advisory, to mention a few besides remittance, forex, collection of Uganda Revenue Authority (URA) taxes, water payment of National Water & Sewerage Corporation (NW&SC), National Social Security Fund (NSSF) contribution and Umeme Power Bills.

Under international banking, it offers Foreign Exchange and Money Market & Government Securities. The Bank also offers transaction-based Internet banking, through Baroda Connect, which facilitates business firms and corporate to transfer funds, pay salaries to employees, view all the accounts and print the account’s statements.