Bank of India

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

Bank of India

₹ 126 0.41%
06 Oct - 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 ₹ 57,396 Cr.
  • Current Price ₹ 126
  • High / Low ₹ 130 / 90.0
  • Stock P/E 5.82
  • Book Value ₹ 178
  • Dividend Yield 3.21 %
  • ROCE 6.17 %
  • ROE 12.4 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.71 times its book value
  • Stock is providing a good dividend yield of 3.21%.
  • Company has delivered good profit growth of 38.1% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 20.0%

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 9.81% over last 3 years.
  • Contingent liabilities of Rs.6,71,765 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 PSU Nifty 500 BSE MidCap

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
10,043 11,545 12,796 13,548 14,442 15,062 15,319 16,250 17,046 17,466 18,317 18,479 18,467
Interest 5,915 6,433 7,144 7,948 8,467 9,256 9,792 10,242 10,693 11,403 12,166 12,333 12,321
4,409 5,313 5,291 6,590 4,579 4,546 4,190 6,041 5,269 5,456 4,485 6,050 5,399
Financing Profit -281 -201 360 -990 1,396 1,260 1,337 -33 1,084 607 1,666 97 747
Financing Margin % -3% -2% 3% -7% 10% 8% 9% -0% 6% 3% 9% 1% 4%
1,165 1,456 1,422 3,168 1,484 1,717 1,202 1,830 1,338 2,532 1,780 3,455 1,692
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 884 1,255 1,782 2,178 2,880 2,977 2,539 1,797 2,422 3,138 3,447 3,551 2,439
Tax % 34% 40% 35% 36% 48% 50% 25% 17% 28% 24% 26% 25% 28%
659 853 915 1,413 1,562 1,499 1,931 1,574 1,890 2,422 2,638 2,602 1,831
EPS in Rs 1.60 2.08 2.23 3.44 3.81 3.65 4.24 3.46 4.15 5.32 5.79 5.72 4.02
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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
38,125 43,685 42,093 39,585 38,313 41,005 42,591 40,854 38,281 47,932 61,073 71,308 72,729
Interest 27,170 32,220 30,245 27,606 27,679 27,207 27,191 26,421 24,083 27,441 37,757 46,594 48,222
11,473 13,600 19,842 21,218 24,618 26,874 26,386 17,672 16,263 21,177 18,848 20,656 21,390
Financing Profit -518 -2,135 -7,994 -9,239 -13,984 -13,076 -10,987 -3,239 -2,065 -686 4,469 4,057 3,116
Financing Margin % -1% -5% -19% -23% -36% -32% -26% -8% -5% -1% 7% 6% 4%
4,319 4,278 3,672 6,819 5,846 4,862 6,687 6,778 8,092 7,168 6,415 9,317 9,459
Depreciation 234 291 290 -7 522 373 392 380 372 427 509 604 0
Profit before tax 3,567 1,852 -4,612 -2,412 -8,660 -8,587 -4,692 3,160 5,655 6,056 10,375 12,771 12,575
Tax % 23% 6% 37% -34% -30% -37% -35% 34% 38% 37% 37% 25%
2,988 2,015 -6,276 -1,492 -5,982 -5,426 -3,051 2,081 3,487 3,839 6,567 9,552 9,493
EPS in Rs 46.50 30.27 -75.98 -13.94 -34.20 -19.67 -9.31 6.36 8.51 9.35 14.42 20.97 20.85
Dividend Payout % 11% 17% 0% 0% 0% 0% 0% 0% 24% 21% 19% 19%
Compounded Sales Growth
10 Years: 5%
5 Years: 11%
3 Years: 23%
TTM: 14%
Compounded Profit Growth
10 Years: 17%
5 Years: 38%
3 Years: 43%
TTM: 43%
Stock Price CAGR
10 Years: -1%
5 Years: 26%
3 Years: 37%
1 Year: 16%
Return on Equity
10 Years: 0%
5 Years: 8%
3 Years: 10%
Last Year: 12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 643 666 817 1,055 1,744 2,760 3,278 3,278 4,104 4,104 4,553 4,553
Reserves 30,131 31,857 32,528 32,574 35,013 44,892 41,795 46,703 52,418 56,329 66,028 76,172
Deposits 481,995 536,932 515,722 542,352 522,997 522,555 557,386 629,098 629,981 672,194 740,611 819,806
Borrowing 45,128 37,649 51,103 39,491 43,598 44,265 39,752 32,464 26,821 65,015 80,960 123,869
20,126 18,046 16,457 16,553 11,833 16,409 20,805 21,244 29,807 28,393 32,127 32,024
Total Liabilities 578,022 625,150 616,628 632,026 615,184 630,881 663,017 732,786 743,131 826,036 924,280 1,056,425
5,678 5,802 8,382 8,349 8,192 8,799 8,765 8,637 9,570 9,950 10,178 11,865
CWIP 143 113 191 197 158 200 293 364 286 110 150 182
Investments 116,490 123,196 122,621 130,751 140,321 150,905 162,323 191,693 180,274 211,324 234,592 268,002
455,712 496,040 485,435 492,729 466,513 470,977 491,636 532,092 553,001 604,652 679,361 776,376
Total Assets 578,022 625,150 616,628 632,026 615,184 630,881 663,017 732,786 743,131 826,036 924,280 1,056,425

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
6,452 14,638 18,311 -6,624 -7,366 -9,218 -4,827 37,868 -35,487 -7,045 -4,437 18,534
-814 -755 -609 -371 -260 71 -232 -182 -644 -521 -991 -854
745 1,295 4,864 3,955 7,185 7,983 -3,192 2,398 1,146 541 3,868 34
Net Cash Flow 6,383 15,179 22,566 -3,040 -440 -1,164 -8,251 40,085 -34,985 -7,026 -1,560 17,714

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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 % 11% 6% -19% -4% -17% -14% -7% 4% 6% 6% 10% 12%

Shareholding Pattern

Numbers in percentages

Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
81.41% 81.41% 81.41% 81.41% 81.41% 73.38% 73.38% 73.38% 73.38% 73.38% 73.38% 73.38%
1.12% 2.23% 2.67% 2.25% 2.92% 4.31% 4.52% 3.61% 3.21% 2.92% 3.88% 3.53%
10.84% 10.56% 10.36% 9.90% 9.55% 14.65% 15.82% 15.46% 16.26% 16.40% 15.90% 15.97%
6.64% 5.80% 5.57% 6.44% 6.11% 7.65% 6.27% 7.55% 7.13% 7.30% 6.83% 7.13%
No. of Shareholders 4,98,7404,71,4834,77,5684,97,9105,16,2025,77,9926,17,2387,05,5996,92,2297,13,0277,26,1677,15,785

* 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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