Bank of India

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

Bank of India

₹ 139 -1.69%
16 Dec - 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 ₹ 63,455 Cr.
  • Current Price ₹ 139
  • High / Low ₹ 151 / 90.0
  • Stock P/E 6.38
  • Book Value ₹ 180
  • Dividend Yield 2.91 %
  • ROCE 6.15 %
  • ROE 12.3 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.78 times its book value
  • Company has delivered good profit growth of 38.1% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 20.2%

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 9.91% over last 3 years.
  • Contingent liabilities of Rs.6,71,647 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

Financial Services Financial Services Banks Public Sector Bank

Part of BSE 500 BSE 200 BSE Dollex 200 BSE PSU Nifty 500

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
11,497 12,728 13,450 14,359 14,971 15,218 16,162 16,938 17,355 18,211 18,323 18,352 18,406
Interest 6,414 7,133 7,926 8,445 9,232 9,755 10,226 10,662 11,369 12,140 12,260 12,284 12,492
5,039 5,254 6,490 4,449 4,490 4,154 5,956 5,194 5,398 4,418 5,943 5,321 4,754
Financing Profit 45 341 -966 1,465 1,249 1,310 -20 1,082 587 1,652 120 747 1,160
Financing Margin % 0% 3% -7% 10% 8% 9% -0% 6% 3% 9% 1% 4% 6%
1,417 1,432 3,099 1,462 1,688 1,193 1,751 1,302 2,518 1,746 3,428 2,166 2,220
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 1,462 1,773 2,133 2,928 2,937 2,503 1,731 2,384 3,104 3,399 3,547 2,913 3,380
Tax % 34% 35% 37% 47% 50% 25% 17% 29% 24% 26% 26% 23% 24%
960 1,151 1,350 1,551 1,458 1,870 1,439 1,703 2,374 2,517 2,626 2,252 2,555
EPS in Rs 2.34 2.80 3.29 3.78 3.55 4.11 3.16 3.74 5.21 5.53 5.77 4.95 5.61
Gross NPA % 8.51% 7.66% 7.31% 6.67% 5.84% 5.35% 4.98% 4.62% 4.41% 3.69% 3.27% 2.92% 2.54%
Net NPA % 1.92% 1.61% 1.66% 1.65% 1.54% 1.41% 1.22% 0.99% 0.94% 0.85% 0.82% 0.75% 0.65%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
37,910 43,430 41,796 39,291 38,071 40,768 42,353 40,599 38,076 47,648 60,709 70,826 73,292
Interest 27,080 32,086 30,072 27,465 27,565 27,110 27,096 26,330 24,014 27,373 37,657 46,432 49,177
11,349 13,496 22,882 20,983 24,354 26,663 26,188 17,503 16,011 20,725 18,550 20,359 20,436
Financing Profit -519 -2,152 -11,157 -9,157 -13,847 -13,006 -10,931 -3,233 -1,948 -450 4,503 4,035 3,679
Financing Margin % -1% -5% -27% -23% -36% -32% -26% -8% -5% -1% 7% 6% 5%
4,292 4,233 3,653 6,772 5,734 4,659 6,713 6,842 7,879 7,100 6,095 8,994 9,560
Depreciation 228 285 286 -12 520 367 385 372 364 421 499 594 0
Profit before tax 3,545 1,795 -7,791 -2,373 -8,633 -8,713 -4,603 3,237 5,567 6,229 10,099 12,434 13,239
Tax % 23% 5% -22% -34% -30% -36% -36% 33% 39% 35% 37% 26%
2,729 1,709 -6,089 -1,558 -6,044 -5,547 -2,957 2,160 3,405 4,023 6,318 9,219 9,949
EPS in Rs 42.49 25.70 -74.57 -14.77 -34.67 -20.10 -9.02 6.59 8.30 9.80 13.88 20.25 21.86
Dividend Payout % 12% 19% 0% 0% 0% 0% 0% 0% 24% 20% 20% 20%
Compounded Sales Growth
10 Years: 5%
5 Years: 11%
3 Years: 23%
TTM: 12%
Compounded Profit Growth
10 Years: 18%
5 Years: 38%
3 Years: 40%
TTM: 35%
Stock Price CAGR
10 Years: 2%
5 Years: 23%
3 Years: 15%
1 Year: 26%
Return on Equity
10 Years: 0%
5 Years: 8%
3 Years: 10%
Last Year: 12%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 643 666 817 1,055 1,744 2,760 3,278 3,278 4,104 4,104 4,553 4,553 4,553
Reserves 29,280 30,781 31,500 31,432 33,797 43,559 40,539 45,408 51,027 54,866 64,327 74,048 77,287
Deposits 486,186 542,769 513,005 540,032 520,854 520,862 555,505 627,114 627,896 669,586 737,920 816,541 853,301
Borrowing 39,216 29,195 51,083 39,406 43,589 44,241 39,752 32,464 26,760 64,979 80,924 123,856 117,932
17,739 15,157 13,509 14,384 9,591 13,797 17,920 17,589 24,826 22,020 24,873 23,583 24,385
Total Liabilities 573,064 618,568 609,914 626,309 609,575 625,220 656,994 725,853 734,614 815,556 912,598 1,042,582 1,077,458
5,644 5,773 8,290 8,265 8,107 8,720 8,690 8,550 9,490 9,852 10,079 11,760 11,716
CWIP 143 113 191 197 158 200 292 364 285 109 148 179 0
Investments 114,152 119,792 118,849 127,827 137,111 147,639 158,573 187,253 174,448 204,398 227,144 259,112 260,900
453,125 492,890 482,585 490,020 464,198 468,661 489,439 529,686 550,390 601,197 675,227 771,531 804,843
Total Assets 573,064 618,568 609,914 626,309 609,575 625,220 656,994 725,853 734,614 815,556 912,598 1,042,582 1,077,458

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
6,424 14,533 22,025 -7,478 -6,423 -9,192 -4,834 38,063 -35,316 -5,799 -2,933 18,242
-624 -807 -427 265 -499 151 -350 -337 -835 -1,345 -1,890 -821
745 1,295 4,864 3,959 6,917 7,970 -3,171 2,398 1,128 -18 3,365 -77
Net Cash Flow 6,546 15,021 26,461 -3,253 -5 -1,071 -8,355 40,124 -35,023 -7,162 -1,458 17,344

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 10% 6% -19% -5% -18% -15% -7% 5% 6% 7% 10% 12%

Shareholding Pattern

Numbers in percentages

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
81.41% 81.41% 81.41% 81.41% 73.38% 73.38% 73.38% 73.38% 73.38% 73.38% 73.38% 73.38%
2.23% 2.67% 2.25% 2.92% 4.31% 4.52% 3.61% 3.21% 2.92% 3.88% 3.53% 4.24%
10.56% 10.36% 9.90% 9.55% 14.65% 15.82% 15.46% 16.26% 16.40% 15.90% 15.97% 15.63%
5.80% 5.57% 6.44% 6.11% 7.65% 6.27% 7.55% 7.13% 7.30% 6.83% 7.13% 6.76%
No. of Shareholders 4,71,4834,77,5684,97,9105,16,2025,77,9926,17,2387,05,5996,92,2297,13,0277,26,1677,15,7856,95,996

* 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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