Bank of India
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 )
- Market Cap ₹ 57,100 Cr.
- Current Price ₹ 125
- High / Low ₹ 130 / 90.0
- Stock P/E 5.79
- Book Value ₹ 178
- Dividend Yield 3.23 %
- ROCE 6.17 %
- ROE 12.4 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.71 times its book value
- Stock is providing a good dividend yield of 3.23%.
- 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
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
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: | 38% |
1 Year: | 20% |
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% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
1d - Bank of India has informed about copy of Newspaper Publication regarding Notice of Extraordinary General Meeting.
- Notice Of Extra Ordinary General Meeting 2d
- Notice Of Extra Ordinary General Meeting 2d
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
13 Oct - Meet with Analyst and Investors for Unaudited (Reviewed) Financial Results for 2nd Quarter/half year ended 30th September,2025 - Schedule
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Board Meeting Intimation for Intimation Of Board Meeting
13 Oct - Board meeting on 17 Oct 2025 to approve Q2/half-year unaudited results for period ended 30.09.2025.
Annual reports
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Financial Year 2025
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Concalls
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Aug 2025Transcript PPT
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Nov 2017TranscriptNotesPPT
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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]