Bank of India

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

Bank of India

₹ 111 1.04%
02 Apr 12:51 p.m.
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 ₹ 50,739 Cr.
  • Current Price ₹ 111
  • High / Low ₹ 158 / 90.0
  • Stock P/E 6.33
  • Book Value ₹ 163
  • Dividend Yield 2.50 %
  • 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 Dollex 200 BSE Financial Services BSE 500 Nifty LargeMidcap 250 Nifty 500

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      Quarterly Results

      Standalone Figures in Rs. Crores / View Consolidated

      Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
      Revenue 9,376 9,856 9,973 11,497 12,728 13,450 14,359 14,971 15,218 16,162 16,938 17,355 18,211
      Interest 5,968 5,870 5,900 6,414 7,133 7,926 8,445 9,232 9,755 10,226 10,662 11,369 12,140
      3,482 4,648 4,363 5,039 5,254 6,490 4,449 4,490 4,154 5,956 5,194 5,398 4,418
      Financing Profit -74 -662 -291 45 341 -966 1,465 1,249 1,310 -20 1,082 587 1,652
      Financing Margin % -1% -7% -3% 0% 3% -7% 10% 8% 9% -0% 6% 3% 9%
      1,835 1,587 1,152 1,417 1,432 3,099 1,462 1,688 1,193 1,751 1,302 2,518 1,746
      Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
      Profit before tax 1,761 925 861 1,462 1,773 2,133 2,928 2,937 2,503 1,731 2,384 3,104 3,399
      Tax % 42% 34% 35% 34% 35% 37% 47% 50% 25% 17% 29% 24% 26%
      1,027 606 561 960 1,151 1,350 1,551 1,458 1,870 1,439 1,703 2,374 2,517
      EPS in Rs 2.50 1.48 1.37 2.34 2.80 3.29 3.78 3.55 4.11 3.16 3.74 5.21 5.53
      Gross NPA % 10.46% 9.98% 9.30% 8.51% 7.66% 7.31% 6.67% 5.84% 5.35% 4.98% 4.62% 4.41% 3.69%
      Net NPA % 2.66% 2.34% 2.21% 1.92% 1.61% 1.66% 1.65% 1.54% 1.41% 1.22% 0.99% 0.94% 0.85%
      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 68,665
      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 44,398
      9,598 11,349 13,496 22,882 20,983 24,354 26,663 26,188 17,503 16,011 20,725 18,550 20,966
      Financing Profit -574 -519 -2,152 -11,157 -9,157 -13,847 -13,006 -10,931 -3,233 -1,948 -450 4,503 3,301
      Financing Margin % -2% -1% -5% -27% -23% -36% -32% -26% -8% -5% -1% 7% 5%
      3,766 4,292 4,233 3,653 6,772 5,734 4,659 6,713 6,842 7,879 7,100 6,095 7,317
      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 10,618
      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 8,032
      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 17.64
      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: 29%
      Stock Price CAGR
      10 Years: -6%
      5 Years: 28%
      3 Years: 32%
      1 Year: -22%
      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 Sep 2024
      Equity Capital 597 643 666 817 1,055 1,744 2,760 3,278 3,278 4,104 4,104 4,553 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 67,255
      Deposits 389,552 486,186 542,769 513,005 540,032 520,854 520,862 555,505 627,114 627,896 669,586 737,920 775,181
      Borrowing 27,656 39,216 29,195 51,083 39,406 43,589 44,241 39,752 32,464 26,760 64,979 80,924 118,816
      11,398 17,739 15,157 13,509 14,384 9,591 13,797 17,920 17,589 24,826 22,020 24,873 21,053
      Total Liabilities 452,523 573,064 618,568 609,914 626,309 609,575 625,220 656,994 725,853 734,614 815,556 912,598 986,857
      2,779 5,644 5,773 8,290 8,265 8,107 8,720 8,690 8,550 9,490 9,852 10,079 10,297
      CWIP 91 143 113 191 197 158 200 292 364 285 109 148 0
      Investments 94,613 114,152 119,792 118,849 127,827 137,111 147,639 158,573 187,253 174,448 204,398 227,144 269,744
      355,040 453,125 492,890 482,585 490,020 464,198 468,661 489,439 529,686 550,390 601,197 675,227 706,817
      Total Assets 452,523 573,064 618,568 609,914 626,309 609,575 625,220 656,994 725,853 734,614 815,556 912,598 986,857

      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

      Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
      81.41% 81.41% 81.41% 81.41% 81.41% 81.41% 81.41% 73.38% 73.38% 73.38% 73.38% 73.38%
      0.72% 0.75% 1.12% 2.23% 2.67% 2.25% 2.92% 4.31% 4.52% 3.61% 3.21% 2.92%
      11.07% 11.14% 10.84% 10.56% 10.36% 9.90% 9.55% 14.65% 15.82% 15.46% 16.26% 16.40%
      6.80% 6.70% 6.64% 5.80% 5.57% 6.44% 6.11% 7.65% 6.27% 7.55% 7.13% 7.30%
      No. of Shareholders 5,12,5525,09,5834,98,7404,71,4834,77,5684,97,9105,16,2025,77,9926,17,2387,05,5996,92,2297,13,027

      * 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.

      Click on the line-items to see the names of individual entities.

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