Bank of India

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

₹ 142 -2.06%
07 Sep - close price
bankofindia.co.in BSE: 532149 NSE: BANKINDIA F&O
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[1]
The bank ranks as the sixth-largest nationalized bank in India, with advances of Rs 6.96 lakh Cr and a total business (Advances + Deposits) of Rs 15.49 lakh Cr as of Q3 FY25.

Website BSE NSE F&O
  • Market Cap ₹ 64,657 Cr.
  • Current Price ₹ 142
  • High / Low ₹ 178 / 112
  • Stock P/E 5.70
  • Book Value ₹ 195
  • Dividend Yield 3.27 %
  • ROCE 5.92 %
  • ROE 12.4 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.73 times its book value
  • Stock is providing a good dividend yield of 3.27%.
  • Company has delivered good profit growth of 37.3% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 20.1%

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 11.6% over last 3 years.
  • Contingent liabilities of Rs.6,93,119 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

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
14,359 14,971 15,218 16,162 16,938 17,355 18,211 18,323 18,352 18,406 18,927 19,476 19,949
Interest 8,445 9,232 9,755 10,226 10,662 11,369 12,140 12,260 12,284 12,492 12,466 12,746 13,117
4,449 4,490 4,154 5,956 5,194 5,398 4,418 5,943 5,321 4,754 5,123 5,904 5,324
Financing Profit 1,465 1,249 1,310 -20 1,082 587 1,652 120 747 1,160 1,338 826 1,508
Financing Margin % 10% 8% 9% -0% 6% 3% 9% 1% 4% 6% 7% 4% 8%
1,462 1,688 1,193 1,751 1,302 2,518 1,746 3,428 2,166 2,220 2,279 3,210 2,579
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 2,928 2,937 2,503 1,731 2,384 3,104 3,399 3,547 2,913 3,380 3,617 4,036 4,087
Tax % 47% 50% 25% 17% 29% 24% 26% 26% 23% 24% 25% 25% 25%
1,551 1,458 1,870 1,439 1,703 2,374 2,517 2,626 2,252 2,555 2,705 3,016 3,068
EPS in Rs 3.78 3.55 4.11 3.16 3.74 5.21 5.53 5.77 4.95 5.61 5.94 6.62 6.74
Gross NPA % 6.67% 5.84% 5.35% 4.98% 4.62% 4.41% 3.69% 3.27% 2.92% 2.54% 2.26% 1.98% 1.81%
Net NPA % 1.65% 1.54% 1.41% 1.22% 0.99% 0.94% 0.85% 0.82% 0.75% 0.65% 0.60% 0.56% 0.51%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
43,430 41,796 39,291 38,071 40,768 42,353 40,599 38,076 47,648 60,709 70,826 75,161 76,758
Interest 32,086 30,072 27,465 27,565 27,110 27,096 26,330 24,014 27,373 37,657 46,432 49,989 50,821
13,496 22,882 20,983 24,354 26,663 26,188 17,503 16,011 20,725 18,550 20,359 20,381 21,105
Financing Profit -2,152 -11,157 -9,157 -13,847 -13,006 -10,931 -3,233 -1,948 -450 4,503 4,035 4,792 4,833
Financing Margin % -5% -27% -23% -36% -32% -26% -8% -5% -1% 7% 6% 6% 6%
4,233 3,653 6,772 5,734 4,659 6,713 6,842 7,879 7,100 6,095 8,994 9,874 10,287
Depreciation 285 286 -12 520 367 385 372 364 421 499 594 720 0
Profit before tax 1,795 -7,791 -2,373 -8,633 -8,713 -4,603 3,237 5,567 6,229 10,099 12,434 13,946 15,120
Tax % 5% -22% -34% -30% -36% -36% 33% 39% 35% 37% 26% 25%
1,709 -6,089 -1,558 -6,044 -5,547 -2,957 2,160 3,405 4,023 6,318 9,219 10,527 11,343
EPS in Rs 25.70 -74.57 -14.77 -34.67 -20.10 -9.02 6.59 8.30 9.80 13.88 20.25 23.12 24.91
Dividend Payout % 19% 0% 0% 0% 0% 0% 0% 24% 20% 20% 20% 20%
Compounded Sales Growth
10 Years: 6%
5 Years: 13%
3 Years: 16%
TTM: 6%
Compounded Profit Growth
10 Years: 14%
5 Years: 37%
3 Years: 38%
TTM: 16%
Stock Price CAGR
10 Years: 1%
5 Years: 20%
3 Years: 15%
1 Year: 26%
Return on Equity
10 Years: 3%
5 Years: 10%
3 Years: 12%
Last Year: 12%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 666 817 1,055 1,744 2,760 3,278 3,278 4,104 4,104 4,553 4,553 4,553
Reserves 30,781 31,500 31,432 33,797 43,559 40,539 45,408 51,027 54,866 64,327 74,048 83,437
Deposits 542,769 513,005 540,032 520,854 520,862 555,505 627,114 627,896 669,586 737,920 816,541 927,271
Borrowing 29,195 51,083 39,406 43,589 44,241 39,752 32,464 26,760 64,979 80,924 123,856 118,592
15,157 13,509 14,384 9,591 13,797 17,920 17,589 24,826 22,020 24,873 23,583 29,580
Total Liabilities 618,568 609,914 626,309 609,575 625,220 656,994 725,853 734,614 815,556 912,598 1,042,582 1,163,433
5,773 8,290 8,265 8,107 8,720 8,690 8,550 9,490 9,852 10,079 11,760 11,547
CWIP 113 191 197 158 200 292 364 285 109 148 179 202
Investments 119,792 118,849 127,827 137,111 147,639 158,573 187,253 174,448 204,398 227,144 259,112 268,629
492,890 482,585 490,020 464,198 468,661 489,439 529,686 550,390 601,197 675,227 771,531 883,054
Total Assets 618,568 609,914 626,309 609,575 625,220 656,994 725,853 734,614 815,556 912,598 1,042,582 1,163,433

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
14,533 22,025 -7,478 -6,423 -9,192 -4,834 38,063 -35,316 -5,799 -2,933 18,242 4,626
-807 -427 265 -499 151 -350 -337 -835 -1,345 -1,890 -821 -207
1,295 4,864 3,959 6,917 7,970 -3,171 2,398 1,128 -18 3,365 -77 -5,795
Net Cash Flow 15,021 26,461 -3,253 -5 -1,071 -8,355 40,124 -35,023 -7,162 -1,458 17,344 -1,376
Free Cash Flow 13,961 21,595 -7,767 -6,675 -9,059 -5,185 37,748 -35,865 -6,303 -3,746 17,586 4,027
CFO/OP 52% 118% -47% -36% -41% -25% 162% -158% -23% -10% 36% 9%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 6% -19% -5% -18% -15% -7% 5% 6% 7% 10% 12% 12%

Insights

In beta
Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Gross NPA Ratio
Percentage

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Domestic Branches
Number
RAM Share of Domestic Advances
Percentage
CASA Amount (Domestic)
Rs Crore
Business Correspondents (BCs)
Number
Mobile Banking Users
Lakhs
Total Customer Touchpoints
Number
UPI Users
Lakhs

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
81.41% 73.38% 73.38% 73.38% 73.38% 73.38% 73.38% 73.38% 73.38% 73.38% 73.38% 73.38%
2.92% 4.31% 4.52% 3.61% 3.21% 2.92% 3.88% 3.53% 4.24% 5.82% 7.26% 6.87%
9.55% 14.65% 15.82% 15.46% 16.26% 16.40% 15.90% 15.97% 15.63% 15.18% 13.96% 13.96%
6.11% 7.65% 6.27% 7.55% 7.13% 7.30% 6.83% 7.13% 6.76% 5.62% 5.40% 5.78%
No. of Shareholders 5,16,2025,77,9926,17,2387,05,5996,92,2297,13,0277,26,1677,15,7856,95,9966,38,6396,26,1895,95,832

* 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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