Bank of India

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

Bank of India

₹ 74.8 -0.40%
30 May - 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 ₹ 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
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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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
Revenue 10,585 10,287 10,852 10,299 9,416 9,374 9,580 9,423 9,903 10,043 11,545 12,796 13,548
Interest 6,758 6,773 6,711 6,526 6,410 6,196 6,013 5,987 5,888 5,915 6,433 7,144 7,948
11,021 3,908 4,715 4,816 4,551 4,437 3,939 3,557 4,701 4,409 5,313 5,291 6,590
Financing Profit -7,194 -394 -574 -1,043 -1,545 -1,259 -371 -122 -685 -281 -201 360 -990
Financing Margin % -68% -4% -5% -10% -16% -13% -4% -1% -7% -3% -2% 3% -7%
1,708 1,736 1,359 1,903 1,837 2,335 2,178 1,847 1,650 1,165 1,456 1,422 3,168
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax -5,485 1,341 785 860 291 1,076 1,807 1,726 965 884 1,255 1,782 2,178
Tax % 35% 37% 33% 37% 5% 35% 41% 43% 33% 34% 40% 35% 36%
Net Profit -3,601 845 543 610 83 736 1,073 992 687 659 853 915 1,413
EPS in Rs -10.99 2.58 1.66 1.86 0.25 1.99 2.61 2.43 1.68 1.60 2.08 2.23 3.44
Gross NPA % 14.73% 13.86%
Net NPA % 3.87% 3.57%
Raw PDF

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
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%

Shareholding Pattern

Numbers in percentages

Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
89.10 89.10 89.10 89.10 90.34 81.41 81.41 81.41 81.41 81.41 81.41 81.41
0.39 0.32 0.34 0.48 0.38 0.96 0.78 0.72 0.75 1.12 2.23 2.67
5.79 5.53 5.38 5.11 4.63 11.76 11.25 11.07 11.14 10.84 10.56 10.36
4.72 5.05 5.19 5.31 4.65 5.87 6.55 6.80 6.70 6.64 5.80 5.57

* 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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