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 ₹ 31,967 Cr.
- Current Price ₹ 77.9
- High / Low ₹ 104 / 40.4
- Stock P/E 10.3
- Book Value ₹ 138
- Dividend Yield 2.57 %
- ROCE 4.14 %
- ROE 6.20 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.57 times its book value
- Company has delivered good profit growth of 33.1% CAGR over last 5 years
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -0.67% over past five years.
- Company has a low return on equity of 1.50% over last 3 years.
- Contingent liabilities of Rs.450,930 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
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
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 | 21,858 | 28,611 | 32,096 | 38,125 | 43,685 | 42,093 | 39,585 | 38,313 | 41,005 | 42,591 | 40,854 | 38,281 | 44,287 |
Interest | 13,981 | 20,216 | 22,960 | 27,170 | 32,220 | 30,245 | 27,606 | 27,679 | 27,207 | 27,191 | 26,421 | 24,083 | 25,381 |
6,870 | 7,953 | 9,714 | 11,473 | 13,600 | 19,842 | 21,218 | 24,618 | 26,874 | 26,386 | 17,672 | 16,263 | 19,714 | |
Financing Profit | 1,008 | 442 | -579 | -518 | -2,135 | -7,994 | -9,239 | -13,984 | -13,076 | -10,987 | -3,239 | -2,065 | -808 |
Financing Margin % | 5% | 2% | -2% | -1% | -5% | -19% | -23% | -36% | -32% | -26% | -8% | -5% | -2% |
2,642 | 3,319 | 3,785 | 4,319 | 4,278 | 3,672 | 6,819 | 5,846 | 4,862 | 6,687 | 6,778 | 8,092 | 5,693 | |
Depreciation | 145 | 175 | 189 | 234 | 291 | 290 | -7 | 522 | 373 | 392 | 380 | 372 | 0 |
Profit before tax | 3,505 | 3,586 | 3,017 | 3,567 | 1,852 | -4,612 | -2,412 | -8,660 | -8,587 | -4,692 | 3,160 | 5,655 | 4,885 |
Tax % | 29% | 25% | 9% | 23% | 6% | -37% | 34% | 30% | 37% | 35% | 34% | 38% | |
Net Profit | 2,548 | 2,733 | 2,818 | 2,988 | 2,015 | -6,276 | -1,492 | -5,982 | -5,426 | -3,051 | 2,081 | 3,487 | 3,113 |
EPS in Rs | 46.52 | 47.49 | 47.32 | 46.50 | 30.27 | -75.98 | -13.94 | -34.20 | -19.67 | -9.31 | 6.36 | 8.51 | 7.59 |
Dividend Payout % | 15% | 15% | 21% | 11% | 17% | 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: | -14% |
5 Years: | -14% |
3 Years: | 5% |
1 Year: | 41% |
Return on Equity | |
---|---|
10 Years: | -3% |
5 Years: | -5% |
3 Years: | 2% |
Last Year: | 6% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
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 | 17,089 | 20,839 | 23,874 | 30,131 | 31,857 | 31,225 | 30,852 | 35,013 | 40,254 | 41,795 | 43,703 | 52,418 |
321,581 | 351,531 | 418,500 | 527,123 | 574,581 | 566,826 | 581,844 | 566,595 | 566,820 | 597,139 | 661,562 | 656,802 | |
13,801 | 14,633 | 13,351 | 20,126 | 18,046 | 17,761 | 18,275 | 11,833 | 21,047 | 20,805 | 24,244 | 29,807 | |
Total Liabilities | 353,018 | 387,578 | 456,323 | 578,022 | 625,150 | 616,628 | 632,026 | 615,184 | 630,881 | 663,017 | 732,786 | 743,131 |
2,384 | 2,740 | 2,807 | 5,678 | 5,802 | 8,382 | 8,349 | 8,192 | 8,799 | 8,765 | 8,637 | 9,570 | |
CWIP | 116 | 60 | 94 | 143 | 113 | 191 | 197 | 158 | 200 | 293 | 364 | 286 |
Investments | 86,677 | 88,057 | 96,388 | 116,490 | 123,196 | 122,621 | 130,751 | 140,321 | 150,905 | 162,323 | 191,693 | 180,274 |
263,842 | 296,722 | 357,034 | 455,712 | 496,040 | 485,435 | 492,729 | 466,513 | 470,977 | 491,636 | 532,092 | 553,001 | |
Total Assets | 353,018 | 387,578 | 456,323 | 578,022 | 625,150 | 616,628 | 632,026 | 615,184 | 630,881 | 663,017 | 732,786 | 743,131 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
6,196 | -1,644 | 20,632 | 6,452 | 14,638 | 18,311 | -6,624 | -7,366 | -9,218 | -4,827 | 37,868 | -35,487 | |
-720 | -617 | -388 | -814 | -755 | -609 | -371 | -260 | 71 | -232 | -182 | -644 | |
771 | 29 | -331 | 745 | 1,295 | 4,864 | 3,955 | 7,185 | 7,983 | -3,192 | 2,398 | 1,146 | |
Net Cash Flow | 6,247 | -2,232 | 19,913 | 6,383 | 15,179 | 22,566 | -3,040 | -440 | -1,164 | -8,251 | 40,085 | -34,985 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
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% | 11% | 6% | -19% | -5% | -18% | -15% | -7% | 4% | 6% |
Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Strikes /Lockouts / Disturbances
10h - Notice of two days nationwide Bank Strike on 30th & 31st January,2023 given by United Forum of Bank Unions(UFBU)
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 2d
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 2d
-
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
24 Jan - Q3 FY 2022-23 Earnings conference call with Analysts/ Investors - Transcript.
-
Announcement under Regulation 30 (LODR)-Change in Directorate
20 Jan - Completion of term of Managing Director & Chief Executive Officer
Annual reports
-
Financial Year 2022
from bse
-
Financial Year 2021
from bse
-
Financial Year 2020
from bse
-
Financial Year 2019
from bse
-
Financial Year 2018
from bse
-
Financial Year 2017
from bse
-
Financial Year 2016
from bse
-
Financial Year 2015
from bse
-
Financial Year 2014
from bse
-
Financial Year 2013
from bse
-
Financial Year 2012
from bse
-
Financial Year 2011
from bse
-
Financial Year 2010
from bse
-
Financial Year 2010
from nse
Concalls
-
Jan 2023Transcript PPT
-
Nov 2022Transcript PPT
-
Aug 2022Transcript PPT
-
Jun 2022TranscriptPPT
-
Feb 2022Transcript PPT
-
Nov 2021Transcript PPT
-
Aug 2021Transcript PPT
-
Aug 2021TranscriptPPT
-
Jun 2021TranscriptPPT
-
Jun 2021Transcript PPT
-
Feb 2021TranscriptPPT
-
Nov 2020TranscriptPPT
-
Aug 2020TranscriptPPT
-
Mar 2020Transcript PPT
-
Jan 2020TranscriptPPT
-
Jan 2020TranscriptPPT
-
Jan 2019TranscriptPPT
-
Nov 2018TranscriptPPT
-
Aug 2018TranscriptPPT
-
Feb 2018TranscriptPPT
-
Nov 2017TranscriptPPT
-
Nov 2017TranscriptPPT
-
Aug 2017TranscriptPPT
-
May 2017TranscriptPPT
-
Feb 2017TranscriptPPT
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]