Bank of India

Bank of India Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Bank of India

₹ 102 -2.92%
21 Nov - close price
bankofindia.co.in BSE: 532149 NSE: BANKINDIA
About

Bank of India is an India-based bank. The Bank's segments include Treasury Operations, Wholesale Banking and Retail Banking. The Treasury operations segment includes the entire investment portfolio, which is dealing in government and other securities, money market operations and foreign exchange operations.(Source : Company Web-site )

Key Points

Market Position
The bank ranks as the sixth-largest nationalized bank in India, with advances of Rs. 5.85 lakh Cr and a total business (Advances + Deposits) of Rs. 13.24 lakh Cr as of FY24.[1] [2]

Website BSE NSE
  • Market Cap ₹ 46,219 Cr.
  • Current Price ₹ 102
  • High / Low ₹ 158 / 96.0
  • Stock P/E 6.26
  • Book Value ₹ 151
  • Dividend Yield 2.76 %
  • ROCE 5.68 %
  • ROE 9.86 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.67 times its book value
  • Company has delivered good profit growth of 25.0% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 21.6%

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 8.29% over past five years.
  • Company has a low return on equity of 7.85% over last 3 years.
  • Contingent liabilities of Rs.4,76,144 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Public Sector

Part of BSE 400 MidSmallCap Index Nifty 500 Multicap 50:25:25 Nifty 200 Nifty Dividend Opportunities 50 BSE Allcap

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 9,522 9,376 9,856 9,973 11,497 12,728 13,450 14,359 14,971 15,218 16,162 16,938 17,355
Interest 5,999 5,968 5,870 5,900 6,414 7,133 7,926 8,445 9,232 9,755 10,226 10,662 11,369
3,876 3,482 4,648 4,363 5,039 5,254 6,490 4,449 4,490 4,154 5,956 5,194 5,398
Financing Profit -352 -74 -662 -291 45 341 -966 1,465 1,249 1,310 -20 1,082 587
Financing Margin % -4% -1% -7% -3% 0% 3% -7% 10% 8% 9% -0% 6% 3%
2,136 1,835 1,587 1,152 1,417 1,432 3,099 1,462 1,688 1,193 1,751 1,302 2,518
Depreciation -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Profit before tax 1,784 1,761 925 861 1,462 1,773 2,133 2,928 2,937 2,503 1,731 2,384 3,104
Tax % 41% 42% 34% 35% 34% 35% 37% 47% 50% 25% 17% 29% 24%
1,051 1,027 606 561 960 1,151 1,350 1,551 1,458 1,870 1,439 1,703 2,374
EPS in Rs 2.56 2.50 1.48 1.37 2.34 2.80 3.29 3.78 3.55 4.11 3.16 3.74 5.21
Gross NPA % 12.00% 10.46% 9.98% 9.30% 8.51% 7.66% 7.31% 6.67% 5.84% 5.35% 4.98% 4.62% 4.41%
Net NPA % 2.79% 2.66% 2.34% 2.21% 1.92% 1.61% 1.66% 1.65% 1.54% 1.41% 1.22% 0.99% 0.94%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 31,909 37,910 43,430 41,796 39,291 38,071 40,768 42,353 40,599 38,076 47,648 60,709 65,672
Interest 22,885 27,080 32,086 30,072 27,465 27,565 27,110 27,096 26,330 24,014 27,373 37,657 42,012
9,598 11,349 13,496 22,882 20,983 24,354 26,663 26,188 17,503 16,011 20,725 18,550 20,702
Financing Profit -574 -519 -2,152 -11,157 -9,157 -13,847 -13,006 -10,931 -3,233 -1,948 -450 4,503 2,958
Financing Margin % -2% -1% -5% -27% -23% -36% -32% -26% -8% -5% -1% 7% 4%
3,766 4,292 4,233 3,653 6,772 5,734 4,659 6,713 6,842 7,879 7,100 6,095 6,764
Depreciation 184 228 285 286 -12 520 367 385 372 364 421 499 0
Profit before tax 3,008 3,545 1,795 -7,791 -2,373 -8,633 -8,713 -4,603 3,237 5,567 6,229 10,099 9,722
Tax % 9% 23% 5% -22% -34% -30% -36% -36% 33% 39% 35% 37%
2,749 2,729 1,709 -6,089 -1,558 -6,044 -5,547 -2,957 2,160 3,405 4,023 6,318 7,385
EPS in Rs 46.14 42.49 25.70 -74.57 -14.77 -34.67 -20.10 -9.02 6.59 8.30 9.80 13.88 16.22
Dividend Payout % 22% 12% 19% -0% -0% -0% -0% -0% -0% 24% 20% 20%
Compounded Sales Growth
10 Years: 5%
5 Years: 8%
3 Years: 14%
TTM: 18%
Compounded Profit Growth
10 Years: 9%
5 Years: 25%
3 Years: 44%
TTM: 34%
Stock Price CAGR
10 Years: -9%
5 Years: 7%
3 Years: 20%
1 Year: -3%
Return on Equity
10 Years: -1%
5 Years: 5%
3 Years: 8%
Last Year: 10%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 597 643 666 817 1,055 1,744 2,760 3,278 3,278 4,104 4,104 4,553
Reserves 23,322 29,280 30,781 31,500 31,432 33,797 43,559 40,539 45,408 51,027 54,866 64,327
417,207 525,402 571,964 564,088 579,438 564,443 565,104 595,257 659,578 654,656 734,565 818,844
11,398 17,739 15,157 13,509 14,384 9,591 13,797 17,920 17,589 24,826 22,020 24,873
Total Liabilities 452,523 573,064 618,568 609,914 626,309 609,575 625,220 656,994 725,853 734,614 815,556 912,598
2,779 5,644 5,773 8,290 8,265 8,107 8,720 8,690 8,550 9,490 9,852 10,079
CWIP 91 143 113 191 197 158 200 292 364 285 109 148
Investments 94,613 114,152 119,792 118,849 127,827 137,111 147,639 158,573 187,253 174,448 204,398 227,144
355,040 453,125 492,890 482,585 490,020 464,198 468,661 489,439 529,686 550,390 601,197 675,227
Total Assets 452,523 573,064 618,568 609,914 626,309 609,575 625,220 656,994 725,853 734,614 815,556 912,598

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
20,757 6,424 14,533 22,025 -7,478 -6,423 -9,192 -4,834 38,063 -35,316 -5,799 -2,933
-301 -624 -807 -427 265 -499 151 -350 -337 -835 -1,345 -1,890
-331 745 1,295 4,864 3,959 6,917 7,970 -3,171 2,398 1,128 -18 3,365
Net Cash Flow 20,125 6,546 15,021 26,461 -3,253 -5 -1,071 -8,355 40,124 -35,023 -7,162 -1,458

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 12% 10% 6% -19% -5% -18% -15% -7% 5% 6% 7% 10%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
81.41% 81.41% 81.41% 81.41% 81.41% 81.41% 81.41% 81.41% 73.38% 73.38% 73.38% 73.38%
0.78% 0.72% 0.75% 1.12% 2.23% 2.67% 2.25% 2.92% 4.31% 4.52% 3.61% 3.21%
11.25% 11.07% 11.14% 10.84% 10.56% 10.36% 9.90% 9.55% 14.65% 15.82% 15.46% 16.26%
6.55% 6.80% 6.70% 6.64% 5.80% 5.57% 6.44% 6.11% 7.65% 6.27% 7.55% 7.13%
No. of Shareholders 4,98,5735,12,5525,09,5834,98,7404,71,4834,77,5684,97,9105,16,2025,77,9926,17,2387,05,5996,92,229

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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