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 ₹ 44,277 Cr.
- Current Price ₹ 108
- High / Low ₹ 114 / 66.0
- Stock P/E 8.23
- Book Value ₹ 147
- Dividend Yield 1.84 %
- ROCE 4.42 %
- ROE 6.33 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.72 times its book value
- Company is expected to give good quarter
- Company has delivered good profit growth of 21.2% 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 5.61% over last 3 years.
- Contingent liabilities of Rs.4,08,307 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 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 | 55,848 |
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 | 32,815 |
7,953 | 9,714 | 11,473 | 13,600 | 19,842 | 21,218 | 24,618 | 26,874 | 26,386 | 17,672 | 16,263 | 21,177 | 21,007 | |
Financing Profit | 442 | -579 | -518 | -2,135 | -7,994 | -9,239 | -13,984 | -13,076 | -10,987 | -3,239 | -2,065 | -686 | 2,026 |
Financing Margin % | 2% | -2% | -1% | -5% | -19% | -23% | -36% | -32% | -26% | -8% | -5% | -1% | 4% |
3,319 | 3,785 | 4,319 | 4,278 | 3,672 | 6,819 | 5,846 | 4,862 | 6,687 | 6,778 | 8,092 | 7,168 | 7,792 | |
Depreciation | 175 | 189 | 234 | 291 | 290 | -7 | 522 | 373 | 392 | 380 | 372 | 427 | 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 | 6,056 | 9,818 |
Tax % | 25% | 9% | 23% | 6% | -37% | 34% | 30% | 37% | 35% | 34% | 38% | 37% | |
2,733 | 2,818 | 2,988 | 2,015 | -6,276 | -1,492 | -5,982 | -5,426 | -3,051 | 2,081 | 3,487 | 3,839 | 5,389 | |
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 | 13.13 |
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: | 37% |
Compounded Profit Growth | |
---|---|
10 Years: | 3% |
5 Years: | 21% |
3 Years: | 47% |
TTM: | 69% |
Stock Price CAGR | |
---|---|
10 Years: | -7% |
5 Years: | 4% |
3 Years: | 31% |
1 Year: | 25% |
Return on Equity | |
---|---|
10 Years: | -2% |
5 Years: | 0% |
3 Years: | 6% |
Last Year: | 6% |
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 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 575 | 597 | 643 | 666 | 817 | 1,055 | 1,744 | 2,760 | 3,278 | 3,278 | 4,104 | 4,104 | 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 | 56,329 | |
351,531 | 418,500 | 527,123 | 574,581 | 566,826 | 581,844 | 566,595 | 566,820 | 597,139 | 661,562 | 656,802 | 737,209 | ||
14,633 | 13,351 | 20,126 | 18,046 | 16,457 | 16,553 | 11,833 | 16,409 | 20,805 | 21,244 | 29,807 | 28,393 | ||
Total Liabilities | 387,578 | 456,323 | 578,022 | 625,150 | 616,628 | 632,026 | 615,184 | 630,881 | 663,017 | 732,786 | 743,131 | 826,036 | |
2,740 | 2,807 | 5,678 | 5,802 | 8,382 | 8,349 | 8,192 | 8,799 | 8,765 | 8,637 | 9,570 | 9,950 | ||
CWIP | 60 | 94 | 143 | 113 | 191 | 197 | 158 | 200 | 293 | 364 | 286 | 110 | |
Investments | 88,057 | 96,388 | 116,490 | 123,196 | 122,621 | 130,751 | 140,321 | 150,905 | 162,323 | 191,693 | 180,274 | 211,324 | |
296,722 | 357,034 | 455,712 | 496,040 | 485,435 | 492,729 | 466,513 | 470,977 | 491,636 | 532,092 | 553,001 | 604,652 | ||
Total Assets | 387,578 | 456,323 | 578,022 | 625,150 | 616,628 | 632,026 | 615,184 | 630,881 | 663,017 | 732,786 | 743,131 | 826,036 |
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% | 6% |
Documents
Announcements
- Disclosures Pertaining To Analysts Meet/Call 15h
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 18h
- Disclosures Pertaining To Analysts Meet/Call On 29.11.2023 1d
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 1d
- Disclosures Pertaining To Analysts Meet/Call On 28.11.2023 2d
Annual reports
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Financial Year 2023
from bse
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Financial Year 2022
from bse
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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
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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Financial Year 2011
from bse
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Financial Year 2010
from bse
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Financial Year 2010
from nse
Concalls
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Nov 2023Transcript PPT
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Nov 2023TranscriptNotesPPT
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Aug 2023Transcript PPT
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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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Feb 2022Transcript PPT
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Nov 2021Transcript PPT
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Aug 2021Transcript PPT
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Aug 2021TranscriptNotesPPT
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Jun 2021TranscriptNotesPPT
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Jun 2021Transcript PPT
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Feb 2021TranscriptPPT
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Nov 2020TranscriptPPT
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Aug 2020TranscriptPPT
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Mar 2020Transcript PPT
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Jan 2020TranscriptNotesPPT
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Jan 2020TranscriptNotesPPT
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Jan 2019TranscriptNotesPPT
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Nov 2018TranscriptNotesPPT
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Aug 2018TranscriptNotesPPT
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Feb 2018TranscriptNotesPPT
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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 - 1.66%[3]
CASA Ratio - 40.61%[4]