Note: This company is no longer actively listed. Financial data shown is historical.
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View Plans2-year trend showing revenue, gross profit, and net profit
Oriental Bank of Commerce's revenue grew 1.8% to 205.37B and net profit grew 100.9% to 549.94M YoY in FY2019, indicating modest business momentum.
In FY 2019, Oriental Bank of Commerce's revenue grew by 1.8% year-over-year. Revenue = interest earned + other income. Gross Profit = revenue minus interest expenditure. Net Profit is the bottom line after all expenses, provisions, and taxes. Consistent growth across all three signals a healthy, expanding bank.
2-year trend showing profitability efficiency
Oriental Bank of Commerce's NIM of 2.7% in FY2019 indicates adequate interest spreads.
In FY 2019, Oriental Bank of Commerce reported a NIM of 2.73%. NIM = (Interest Earned - Interest Paid) / Average Earning Assets. For Indian banks, 2.5-4% is typically healthy. Higher NIM indicates better spread management between lending rates and deposit costs. Consistent or improving NIM suggests strong pricing power.
2-year trend showing asset quality
Oriental Bank of Commerce's net NPA ratio of 5.9% in FY2019 indicates significant asset quality deterioration.
In FY 2019, Oriental Bank of Commerce reported a net NPA ratio of 5.93%. Net NPA Ratio = (Gross NPAs - Provisions) / Total Loans. Measures bad loans after provisions as a percentage of total loans. Below 2% is healthy for Indian banks; above 3-4% signals stress. A declining trend indicates improving asset quality and effective risk management.
2-year trend showing profitability efficiency
Oriental Bank of Commerce's ROA of 0.0% in FY2019 indicates weak asset efficiency, with ROE at 0.3%.
In FY 2019, Oriental Bank of Commerce reported an ROA of 0.02% and an ROE of 0.3%. ROA = (Net Income / Total Assets) x 100; ROE = (Net Income / Equity) x 100. The gap between ROE and ROA reveals leverage impact. For Indian banks, ROA of 0.8-1.5% and ROE of 12-18% are healthy. ROA is the primary indicator as it cannot be inflated by leverage.
2-year trend showing liquidity and lending efficiency
Oriental Bank of Commerce's loan-to-deposit ratio of 68.5% in FY2019 indicates conservative lending — deposits are underutilised.
In FY 2019, Oriental Bank of Commerce reported a loan-to-deposit ratio of 68.5%. LDR = (Total Loans / Total Deposits) x 100. Optimal range is 70-85% for Indian banks. Above 90% signals liquidity risk; below 65% suggests deposit underutilisation. A stable trend indicates balanced lending practices and adequate liquidity management.
2-year trend showing capital structure efficiency
Oriental Bank of Commerce's financial leverage of 14.4x in FY2019 indicates slightly above typical range but manageable.
In FY 2019, Oriental Bank of Commerce reported a financial leverage ratio of 14.4x. Financial Leverage = Total Assets / Total Equity. Expressed as a multiple (e.g., 10x). For Indian banks, 10-15x is typical. Higher leverage amplifies returns but increases risk. Regulatory capital requirements set upper limits. Compare with peers for context.
2-year trend showing leverage and financial stability
Oriental Bank of Commerce's borrowings-to-networth ratio of 74.7% in FY2019 indicates moderate borrowing levels.
In FY 2019, Oriental Bank of Commerce reported a borrowings-to-networth ratio of 74.7%. Borrowings/Networth = (Total Borrowings / Shareholders' Equity) x 100. Lower is better — indicates less reliance on debt. Banks naturally carry higher leverage than other industries. Consistent increases may signal aggressive growth or capital constraints. Compare with peer banks for context.
Year-over-year change in diluted shares outstanding
Oriental Bank of Commerce's diluted shares increased 103.4% YoY in FY2019 — significant dilution that warrants concern.
Over 2 years (FY2018–FY2019), diluted shares increased 103.4% from 349.31M to 710.33M, indicating cumulative dilution. Extreme dilution of this magnitude is often caused by mergers, large rights issues, or corporate restructuring — review the company's history before drawing conclusions.
In FY 2019, Oriental Bank of Commerce's diluted shares increased by 103.4% year-over-year. Diluted Shares accounts for stock options, warrants, and convertibles. Positive YoY change means dilution (red); negative means buybacks (green). Consistent dilution above 5% annually is a red flag.
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Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: FY 2019