Bank of India

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

Bank of India

₹ 144 2.16%
23 Apr - 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

Ratios
Capital Adequacy Ratio - 17.05%[1]
Net Interest Margin - 2.58%[2]
Gross NPA - 13.25%
Net NPA - 1.66%[3]
CASA Ratio - 40.61%[4]

Website BSE NSE
  • Market Cap ₹ 65,695 Cr.
  • Current Price ₹ 144
  • High / Low ₹ 156 / 69.4
  • Stock P/E 10.6
  • Book Value ₹ 144
  • Dividend Yield 1.39 %
  • ROCE 4.45 %
  • ROE 6.90 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.00 times its book value
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 21.5% CAGR over last 5 years
  • Company's working capital requirements have reduced from 41.1 days to 17.2 days

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 4.59% over past five years.
  • Company has a low return on equity of 6.05% over last 3 years.
  • Contingent liabilities of Rs.4,08,145 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

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Revenue 10,243 9,327 9,321 9,522 9,376 9,856 9,973 11,497 12,728 13,450 14,359 14,971 15,218
Interest 6,504 6,391 6,177 5,999 5,968 5,870 5,900 6,414 7,133 7,926 8,445 9,232 9,755
4,781 4,501 4,368 3,876 3,482 4,648 4,363 5,039 5,254 6,490 4,449 4,490 4,154
Financing Profit -1,042 -1,566 -1,223 -352 -74 -662 -291 45 341 -966 1,465 1,249 1,310
Financing Margin % -10% -17% -13% -4% -1% -7% -3% 0% 3% -7% 10% 8% 9%
1,897 1,829 2,320 2,136 1,835 1,587 1,152 1,417 1,432 3,099 1,462 1,688 1,193
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 856 263 1,097 1,784 1,761 925 861 1,462 1,773 2,133 2,928 2,937 2,503
Tax % 37% 5% 34% 41% 42% 34% 35% 34% 35% 37% 47% 50% 25%
541 250 720 1,051 1,027 606 561 960 1,151 1,350 1,551 1,458 1,870
EPS in Rs 1.65 0.76 1.95 2.56 2.50 1.48 1.37 2.34 2.80 3.29 3.78 3.55 4.11
Gross NPA % 13.25% 13.77% 13.51% 12.00% 10.46% 9.98% 9.30% 8.51% 7.66% 7.31% 6.67% 5.84% 5.35%
Net NPA % 2.46% 3.35% 3.35% 2.79% 2.66% 2.34% 2.21% 1.92% 1.61% 1.66% 1.65% 1.54% 1.41%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Revenue 28,481 31,909 37,910 43,430 41,796 39,291 38,071 40,768 42,353 40,599 38,076 47,648 57,998
Interest 20,167 22,885 27,080 32,086 30,072 27,465 27,565 27,110 27,096 26,330 24,014 27,373 35,357
7,890 9,598 11,349 13,496 22,882 20,983 24,354 26,663 26,188 17,503 16,011 20,725 19,582
Financing Profit 423 -574 -519 -2,152 -11,157 -9,157 -13,847 -13,006 -10,931 -3,233 -1,948 -450 3,059
Financing Margin % 1% -2% -1% -5% -27% -23% -36% -32% -26% -8% -5% -1% 5%
3,321 3,766 4,292 4,233 3,653 6,772 5,734 4,659 6,713 6,842 7,879 7,100 7,443
Depreciation 167 184 228 285 286 -12 520 367 385 372 364 421 0
Profit before tax 3,578 3,008 3,545 1,795 -7,791 -2,373 -8,633 -8,713 -4,603 3,237 5,567 6,229 10,501
Tax % 25% 9% 23% 5% 22% 34% 30% 36% 36% 33% 39% 35%
2,678 2,749 2,729 1,709 -6,089 -1,558 -6,044 -5,547 -2,957 2,160 3,405 4,023 6,229
EPS in Rs 46.66 46.14 42.49 25.70 -74.57 -14.77 -34.67 -20.10 -9.02 6.59 8.30 9.80 14.73
Dividend Payout % 15% 22% 12% 19% 0% 0% 0% 0% 0% 0% 24% 20%
Compounded Sales Growth
10 Years: 4%
5 Years: 5%
3 Years: 4%
TTM: 32%
Compounded Profit Growth
10 Years: 4%
5 Years: 21%
3 Years: 49%
TTM: 90%
Stock Price CAGR
10 Years: -5%
5 Years: 9%
3 Years: 30%
1 Year: 80%
Return on Equity
10 Years: -2%
5 Years: 0%
3 Years: 6%
Last Year: 7%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity Capital 575 597 643 666 817 1,055 1,744 2,760 3,278 3,278 4,104 4,104
Reserves 20,387 23,322 29,280 30,781 31,500 31,432 33,797 43,559 40,539 45,408 51,027 54,866
350,330 417,207 525,402 571,964 564,088 579,438 564,443 565,104 595,257 659,578 654,656 734,565
13,235 11,398 17,739 15,157 13,509 14,384 9,591 13,797 17,920 17,589 24,826 22,020
Total Liabilities 384,527 452,523 573,064 618,568 609,914 626,309 609,575 625,220 656,994 725,853 734,614 815,556
2,723 2,779 5,644 5,773 8,290 8,265 8,107 8,720 8,690 8,550 9,490 9,852
CWIP 49 91 143 113 191 197 158 200 292 364 285 109
Investments 86,754 94,613 114,152 119,792 118,849 127,827 137,111 147,639 158,573 187,253 174,448 204,398
295,001 355,040 453,125 492,890 482,585 490,020 464,198 468,661 489,439 529,686 550,390 601,197
Total Assets 384,527 452,523 573,064 618,568 609,914 626,309 609,575 625,220 656,994 725,853 734,614 815,556

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-2,030 20,757 6,424 14,533 22,025 -7,478 -6,423 -9,192 -4,834 38,063 -35,316 -5,799
-597 -301 -624 -807 -427 265 -499 151 -350 -337 -835 -1,345
29 -331 745 1,295 4,864 3,959 6,917 7,970 -3,171 2,398 1,128 -18
Net Cash Flow -2,599 20,125 6,546 15,021 26,461 -3,253 -5 -1,071 -8,355 40,124 -35,023 -7,162

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
ROE % 14% 12% 10% 6% -19% -5% -18% -15% -7% 5% 6% 7%

Shareholding Pattern

Numbers in percentages

3 Recently
Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
90.34% 81.41% 81.41% 81.41% 81.41% 81.41% 81.41% 81.41% 81.41% 81.41% 73.38% 73.38%
0.38% 0.96% 0.78% 0.72% 0.75% 1.12% 2.23% 2.67% 2.25% 2.92% 4.31% 4.52%
4.63% 11.76% 11.25% 11.07% 11.14% 10.84% 10.56% 10.36% 9.90% 9.55% 14.65% 15.82%
4.65% 5.87% 6.55% 6.80% 6.70% 6.64% 5.80% 5.57% 6.44% 6.11% 7.65% 6.27%
No. of Shareholders 4,19,7174,63,6454,98,5735,12,5525,09,5834,98,7404,71,4834,77,5684,97,9105,16,2025,77,9926,17,238

* 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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