Bank of India

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

Bank of India

₹ 76.9 7.48%
29 Mar - 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 - 2.46%[3]
CASA Ratio - 40.61%[4]

Website BSE NSE
  • Market Cap ₹ 31,587 Cr.
  • Current Price ₹ 76.9
  • High / Low ₹ 104 / 40.4
  • Stock P/E 9.63
  • Book Value ₹ 134
  • Dividend Yield 2.60 %
  • ROCE 4.13 %
  • ROE 6.41 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.57 times its book value
  • Company has delivered good profit growth of 32.8% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -0.63% over past five years.
  • Company has a low return on equity of 1.71% over last 3 years.
  • Contingent liabilities of Rs.450,799 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 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
Revenue 10,835 10,528 10,234 10,796 10,243 9,327 9,321 9,522 9,376 9,856 9,973 11,497 12,728
Interest 6,717 6,735 6,753 6,682 6,504 6,391 6,177 5,999 5,968 5,870 5,900 6,414 7,133
6,502 10,970 3,856 4,674 4,781 4,501 4,368 3,876 3,482 4,648 4,363 5,039 5,254
Financing Profit -2,383 -7,177 -375 -561 -1,042 -1,566 -1,223 -352 -74 -662 -291 45 341
Financing Margin % -22% -68% -4% -5% -10% -17% -13% -4% -1% -7% -3% 0% 3%
2,503 1,688 1,707 1,346 1,897 1,829 2,320 2,136 1,835 1,587 1,152 1,417 1,432
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 120 -5,489 1,332 785 856 263 1,097 1,784 1,761 925 861 1,462 1,773
Tax % 12% 35% 37% 33% 37% 5% 34% 41% 42% 34% 35% 34% 35%
Net Profit 106 -3,571 844 526 541 250 720 1,051 1,027 606 561 960 1,151
EPS in Rs 0.32 -10.90 2.57 1.60 1.65 0.76 1.95 2.56 2.50 1.48 1.37 2.34 2.80
Gross NPA % 16.30% 14.78% 13.91% 13.79% 13.25% 13.77% 13.51% 12.00% 10.46% 9.98% 9.30% 8.51% 7.66%
Net NPA % 5.97% 3.88% 3.58% 2.89% 2.46% 3.35% 3.35% 2.79% 2.66% 2.34% 2.21% 1.92% 1.61%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 TTM
Revenue 21,752 28,481 31,909 37,910 43,430 41,796 39,291 38,071 40,768 42,353 40,599 38,076 44,054
Interest 13,941 20,167 22,885 27,080 32,086 30,072 27,465 27,565 27,110 27,096 26,330 24,014 25,317
6,817 7,890 9,598 11,349 13,496 22,882 20,983 24,354 26,663 26,188 17,503 16,011 19,304
Financing Profit 994 423 -574 -519 -2,152 -11,157 -9,157 -13,847 -13,006 -10,931 -3,233 -1,948 -567
Financing Margin % 5% 1% -2% -1% -5% -27% -23% -36% -32% -26% -8% -5% -1%
2,642 3,321 3,766 4,292 4,233 3,653 6,772 5,734 4,659 6,713 6,842 7,879 5,588
Depreciation 141 167 184 228 285 286 -12 520 367 385 372 364 0
Profit before tax 3,495 3,578 3,008 3,545 1,795 -7,791 -2,373 -8,633 -8,713 -4,603 3,237 5,567 5,021
Tax % 29% 25% 9% 23% 5% 22% 34% 30% 36% 36% 33% 39%
Net Profit 2,489 2,678 2,749 2,729 1,709 -6,089 -1,558 -6,044 -5,547 -2,957 2,160 3,405 3,279
EPS in Rs 45.54 46.66 46.14 42.49 25.70 -74.57 -14.77 -34.67 -20.10 -9.02 6.59 8.30 7.99
Dividend Payout % 15% 15% 22% 12% 19% 0% 0% 0% 0% 0% 0% 24%
Compounded Sales Growth
10 Years: 3%
5 Years: -1%
3 Years: -2%
TTM: 17%
Compounded Profit Growth
10 Years: 2%
5 Years: 33%
3 Years: 37%
TTM: 8%
Stock Price CAGR
10 Years: -13%
5 Years: -6%
3 Years: 32%
1 Year: 69%
Return on Equity
10 Years: -3%
5 Years: -4%
3 Years: 2%
Last Year: 6%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
547 575 597 643 666 817 1,055 1,744 2,760 3,278 3,278 4,104
Reserves 16,743 20,387 23,322 29,280 30,781 31,500 31,432 33,797 43,559 40,539 45,408 51,027
320,907 350,330 417,207 525,402 571,964 564,088 579,438 564,443 565,104 595,257 659,578 654,656
12,963 13,235 11,398 17,739 15,157 13,509 14,384 9,591 13,797 17,920 17,589 24,826
Total Liabilities 351,161 384,527 452,523 573,064 618,568 609,914 626,309 609,575 625,220 656,994 725,853 734,614
2,366 2,723 2,779 5,644 5,773 8,290 8,265 8,107 8,720 8,690 8,550 9,490
CWIP 115 49 91 143 113 191 197 158 200 292 364 285
Investments 85,872 86,754 94,613 114,152 119,792 118,849 127,827 137,111 147,639 158,573 187,253 174,448
262,807 295,001 355,040 453,125 492,890 482,585 490,020 464,198 468,661 489,439 529,686 550,390
Total Assets 351,161 384,527 452,523 573,064 618,568 609,914 626,309 609,575 625,220 656,994 725,853 734,614

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
5,947 -2,030 20,757 6,424 14,533 22,025 -7,478 -6,423 -9,192 -4,834 38,063 -35,316
-557 -597 -301 -624 -807 -427 265 -499 151 -350 -337 -835
690 29 -331 745 1,295 4,864 3,959 6,917 7,970 -3,171 2,398 1,128
Net Cash Flow 6,080 -2,599 20,125 6,546 15,021 26,461 -3,253 -5 -1,071 -8,355 40,124 -35,023

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
ROE % 16% 14% 12% 10% 6% -19% -5% -18% -15% -7% 5% 6%

Shareholding Pattern

Numbers in percentages

Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
89.10 89.10 89.10 89.10 89.10 90.34 81.41 81.41 81.41 81.41 81.41 81.41
0.40 0.39 0.32 0.34 0.48 0.38 0.96 0.78 0.72 0.75 1.12 2.23
5.82 5.79 5.53 5.38 5.11 4.63 11.76 11.25 11.07 11.14 10.84 10.56
4.68 4.72 5.05 5.19 5.31 4.65 5.87 6.55 6.80 6.70 6.64 5.80

* 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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