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 ₹ 30,703 Cr.
- Current Price ₹ 74.8
- High / Low ₹ 104 / 40.4
- Stock P/E 8.00
- Book Value ₹ 138
- Dividend Yield 2.67 %
- ROCE 4.70 %
- ROE 6.79 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.54 times its book value
- Company has delivered good profit growth of 21.4% CAGR over last 5 years
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 4.58% over past five years.
- Company has a low return on equity of 5.76% over last 3 years.
- Contingent liabilities of Rs.4,50,930 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 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
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Revenue | 28,611 | 32,096 | 38,125 | 43,685 | 42,093 | 39,585 | 38,313 | 41,005 | 42,591 | 40,854 | 38,281 | 47,932 |
Interest | 20,216 | 22,960 | 27,170 | 32,220 | 30,245 | 27,606 | 27,679 | 27,207 | 27,191 | 26,421 | 24,083 | 27,441 |
7,953 | 9,714 | 11,473 | 13,600 | 19,842 | 21,218 | 24,618 | 26,874 | 26,386 | 17,672 | 16,263 | 21,604 | |
Financing Profit | 442 | -579 | -518 | -2,135 | -7,994 | -9,239 | -13,984 | -13,076 | -10,987 | -3,239 | -2,065 | -1,112 |
Financing Margin % | 2% | -2% | -1% | -5% | -19% | -23% | -36% | -32% | -26% | -8% | -5% | -2% |
3,319 | 3,785 | 4,319 | 4,278 | 3,672 | 6,819 | 5,846 | 4,862 | 6,687 | 6,778 | 8,092 | 7,211 | |
Depreciation | 175 | 189 | 234 | 291 | 290 | -7 | 522 | 373 | 392 | 380 | 372 | 0 |
Profit before tax | 3,586 | 3,017 | 3,567 | 1,852 | -4,612 | -2,412 | -8,660 | -8,587 | -4,692 | 3,160 | 5,655 | 6,099 |
Tax % | 25% | 9% | 23% | 6% | -37% | 34% | 30% | 37% | 35% | 34% | 38% | 36% |
Net Profit | 2,733 | 2,818 | 2,988 | 2,015 | -6,276 | -1,492 | -5,982 | -5,426 | -3,051 | 2,081 | 3,487 | 3,839 |
EPS in Rs | 47.49 | 47.32 | 46.50 | 30.27 | -75.98 | -13.94 | -34.20 | -19.67 | -9.31 | 6.36 | 8.51 | 9.35 |
Dividend Payout % | 15% | 21% | 11% | 17% | 0% | 0% | 0% | 0% | 0% | 0% | 24% | 21% |
Compounded Sales Growth | |
---|---|
10 Years: | 4% |
5 Years: | 5% |
3 Years: | 4% |
TTM: | 25% |
Compounded Profit Growth | |
---|---|
10 Years: | 3% |
5 Years: | 21% |
3 Years: | 48% |
TTM: | 20% |
Stock Price CAGR | |
---|---|
10 Years: | -13% |
5 Years: | -5% |
3 Years: | 34% |
1 Year: | 54% |
Return on Equity | |
---|---|
10 Years: | -2% |
5 Years: | 0% |
3 Years: | 6% |
Last Year: | 7% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
575 | 597 | 643 | 666 | 817 | 1,055 | 1,744 | 2,760 | 3,278 | 3,278 | 4,104 | ||
Reserves | 20,839 | 23,874 | 30,131 | 31,857 | 32,528 | 32,574 | 35,013 | 44,892 | 41,795 | 46,703 | 52,418 | |
351,531 | 418,500 | 527,123 | 574,581 | 566,826 | 581,844 | 566,595 | 566,820 | 597,139 | 661,562 | 656,802 | ||
14,633 | 13,351 | 20,126 | 18,046 | 16,457 | 16,553 | 11,833 | 16,409 | 20,805 | 21,244 | 29,807 | ||
Total Liabilities | 387,578 | 456,323 | 578,022 | 625,150 | 616,628 | 632,026 | 615,184 | 630,881 | 663,017 | 732,786 | 743,131 | |
2,740 | 2,807 | 5,678 | 5,802 | 8,382 | 8,349 | 8,192 | 8,799 | 8,765 | 8,637 | 9,570 | ||
CWIP | 60 | 94 | 143 | 113 | 191 | 197 | 158 | 200 | 293 | 364 | 286 | |
Investments | 88,057 | 96,388 | 116,490 | 123,196 | 122,621 | 130,751 | 140,321 | 150,905 | 162,323 | 191,693 | 180,274 | |
296,722 | 357,034 | 455,712 | 496,040 | 485,435 | 492,729 | 466,513 | 470,977 | 491,636 | 532,092 | 553,001 | ||
Total Assets | 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 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-1,644 | 20,632 | 6,452 | 14,638 | 18,311 | -6,624 | -7,366 | -9,218 | -4,827 | 37,868 | -35,487 | -7,045 | |
-617 | -388 | -814 | -755 | -609 | -371 | -260 | 71 | -232 | -182 | -644 | -521 | |
29 | -331 | 745 | 1,295 | 4,864 | 3,955 | 7,185 | 7,983 | -3,192 | 2,398 | 1,146 | 541 | |
Net Cash Flow | -2,232 | 19,913 | 6,383 | 15,179 | 22,566 | -3,040 | -440 | -1,164 | -8,251 | 40,085 | -34,985 | -7,026 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 14% | 12% | 11% | 6% | -19% | -4% | -17% | -14% | -7% | 4% | 6% |
Documents
Announcements
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 24h
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 24h
- Intimation Of Analyst/Investor Meet On 29.05.2023 1d
- Intimation Of Analyst/Investor Meet On 29.05.2023 1d
- Intimation Of Record Date For The Purpose Of Dividend 25 May
Annual reports
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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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Financial Year 2010
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Financial Year 2010
from nse
Concalls
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May 2023Transcript PPT
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Jan 2023Transcript PPT
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Nov 2022Transcript PPT
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Aug 2022Transcript PPT
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Jun 2022TranscriptPPT
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Nov 2021Transcript PPT
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Aug 2021Transcript PPT
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Aug 2021TranscriptNotesPPT
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Mar 2020Transcript PPT
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Nov 2017TranscriptNotesPPT
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Nov 2017TranscriptNotesPPT
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Aug 2017TranscriptNotesPPT
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May 2017TranscriptNotesPPT
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Feb 2017TranscriptNotesPPT
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]