Bank Of India, 532149, BANKINDIA Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

52,469.50
5.45
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,24,213.12
3.51%
0.72

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
33.51
33.99

PAT CAGR (%)

10 Years
5 Years
3 Years

0.62
0.72

P:E (Median)

8 Years
5 Years
3 Years

5.76
7.52
7.99

P:BV (Average)

8 Years
5 Years
3 Years

0.59
0.62
0.72

EV:EBITDA (Average)

8 Years
5 Years
3 Years

3.24
2.92
4.23

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 18,323.21 16,161.70 13.37% 18,210.52 15,217.98 19.66% 17,354.55 14,971.18 15.92% 16,938.02 14,358.63 17.96%
Interest Exp. 12,260.49 10,225.80 19.90% 12,140.21 9,754.51 24.46% 11,369.44 9,231.67 23.16% 10,662.21 8,444.60 26.26%
Net Interest Income 6,062.72 5,935.90 2.14% 6,070.31 5,463.47 11.11% 5,985.11 5,739.51 4.28% 6,275.81 5,914.03 6.12%
NIM 2.61 2.92 -10.62% 2.80 2.85 -1.75% 3.14 3.47 -9.51% 3.07 3.03 1.32%
Other Income 3,427.59 1,751.33 95.71% 1,746.38 1,193.12 46.37% 2,517.65 1,687.95 49.15% 1,302.00 1,462.45 -10.97%
Total Income 21,750.80 17,913.03 21.42% 19,956.90 16,411.10 21.61% 19,872.20 16,659.13 19.29% 18,240.02 15,821.08 15.29%
Operating Exp. 4,605.48 4,130.07 11.51% 4,114.12 3,652.65 12.63% 4,355.36 3,671.90 18.61% 3,900.50 3,624.53 7.61%
Operating Profit 4,884.83 3,557.16 37.32% 3,702.57 3,003.94 23.26% 4,147.40 3,755.56 10.43% 3,677.31 3,751.95 -1.99%
Provision 1,337.66 1,825.96 -26.74% 303.70 501.11 -39.39% 1,043.04 818.31 27.46% 1,293.26 824.16 56.92%
PBT 3,547.17 1,731.20 104.90% 3,398.87 2,502.83 35.80% 3,104.36 2,937.25 5.69% 2,384.05 2,927.79 -18.57%
PBTM 19.36 10.71 80.77% 18.66 16.45 13.43% 17.89 19.62 -8.82% 14.08 20.39 -30.95%
TAX 921.26 292.29 215.19% 882.18 633.32 39.29% 730.67 1,478.82 -50.59% 681.32 1,376.72 -50.51%
PAT 2,625.91 1,438.91 82.49% 2,516.69 1,869.51 34.62% 2,373.69 1,458.43 62.76% 1,702.73 1,551.07 9.78%
PATM 14.33% 8.90% 13.82% 12.28% 13.68% 9.74% 10.05% 10.80%
EPS 5.77 3.16 82.59% 5.53 4.11 34.55% 5.21 3.55 46.76% 3.74 3.78 -1.06%
Gross NPA 21,748.89 29,182.77 -25.47% 24,048.48 30,237.15 -20.47% 27,455.33 31,718.78 -13.44% 27,715.76 34,582.01 -19.85%
Gross NPA% 3.27 4.98 -34.34% 3.69 5.35 -31.03% 4.41 5.84 -24.49% 4.62 6.67 -30.73%
Net NPA 5,358.49 6,845.25 -21.72% 5,410.05 7,627.16 -29.07% 5,647.92 7,978.26 -29.21% 5,701.83 8,118.68 -29.77%
Net NPA% 0.82 1.22 -32.79% 0.85 1.41 -39.72% 0.94 1.54 -38.96% 0.99 1.65 -40.00%
CASA 40.28 43.21 -6.78% 41.05 43.88 -6.45% 41.18 43.13 -4.52% 42.68 44.52 -4.13%

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 18,478.96 16,250.46 13.71% 18,317.30 15,318.75 19.57% 17,465.81 15,062.00 15.96% 17,045.63 14,442.14 18.03%
Interest Exp. 12,332.62 10,241.90 20.41% 12,165.79 9,792.22 24.24% 11,402.82 9,255.71 23.20% 10,692.96 8,466.96 26.29%
Net Interest Income 6,146.34 6,008.56 2.29% 6,151.51 5,526.53 11.31% 6,062.99 5,806.29 4.42% 6,352.67 5,975.18 6.32%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 3,454.59 1,829.74 88.80% 1,780.38 1,202.08 48.11% 2,531.75 1,717.41 47.42% 1,338.02 1,483.90 -9.83%
Total Income 21,933.55 18,080.20 21.31% 20,097.68 16,520.83 21.65% 19,997.56 16,779.41 19.18% 18,383.65 15,926.04 15.43%
Operating Exp. 4,683.41 4,193.33 11.69% 4,168.71 3,671.40 13.55% 4,394.11 3,704.90 18.60% 3,963.68 3,736.57 6.08%
Operating Profit 4,917.52 3,644.97 34.91% 3,763.18 3,057.21 23.09% 4,200.63 3,818.80 10.00% 3,727.01 3,722.51 0.12%
Provision 1,366.26 1,847.92 -26.06% 316.53 518.39 -38.94% 1,062.27 841.36 26.26% 1,304.97 842.69 54.86%
PBT 3,551.26 1,797.05 97.62% 3,446.65 2,538.82 35.76% 3,138.36 2,977.44 5.40% 2,422.04 2,879.82 -15.90%
PBTM 19.22 11.06 73.78% 18.82 16.57 13.58% 17.97 19.77 -9.10% 14.21 19.94 -28.74%
TAX 903.64 298.04 203.19% 887.85 643.34 38.01% 739.62 1,488.62 -50.32% 687.76 1,378.60 -50.11%
PAT 2,647.62 1,499.01 76.62% 2,558.80 1,895.48 34.99% 2,398.74 1,488.82 61.12% 1,734.28 1,501.22 15.52%
PATM 14.33% 9.22% 13.97% 12.37% 13.73% 9.88% 10.17% 10.39%
EPS 5.82 3.29 76.90% 5.62 4.16 35.10% 5.27 3.27 61.16% 3.81 3.30 15.45%
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income - 24,393.95 23,052.92 20,274.90 14,062.10 14,269.84 15,256.98 13,657.67 10,506.34 11,826.11 11,724.62 Interest Earned - 70,826.30 60,709.49 47,647.72 38,075.83 40,599.44 42,353.27 40,767.81 38,071.41 39,290.85 41,796.47 Interest Expended - 46,432.35 37,656.57 27,372.82 24,013.73 26,329.60 27,096.29 27,110.14 27,565.07 27,464.74 30,071.85 Int. income Growth - 5.82% 13.70% 44.18% -1.46% -6.47% 11.71% 29.99% -11.16% 0.87% Other Income - 8,993.62 6,094.85 7,099.89 7,878.73 6,841.87 6,713.07 4,658.89 5,733.76 6,772.33 3,652.54 Total Income - 33,387.57 29,147.77 27,374.79 21,940.83 21,111.71 21,970.05 18,316.56 16,240.10 18,598.44 15,377.16 Total Expenditure - 20,359.03 18,550.12 20,724.56 16,010.57 17,502.80 26,188.00 26,663.30 24,353.61 20,983.44 22,881.67 Employee Cost - 10,299.60 9,188.47 8,391.83 7,055.53 6,472.99 6,141.45 6,021.04 4,903.27 5,396.62 5,357.24 % Of Sales - 14.54% 15.14% 17.61% 18.53% 15.94% 14.50% 14.77% 12.88% 13.74% 12.82% Opt. & Establishment Exp. - 7,269.95 6,389.29 6,011.26 5,260.35 4,738.32 4,694.73 4,569.98 4,717.88 3,456.70 4,270.56 % Of Sales - 10.26% 10.52% 12.62% 13.82% 11.67% 11.08% 11.21% 12.39% 8.80% 10.22% Provisions - 3,977.66 3,969.54 7,163.31 4,421.71 7,035.89 16,121.38 16,805.62 15,772.42 12,105.18 13,826.39 % Of Sales - 5.62% 6.54% 15.03% 11.61% 17.33% 38.06% 41.22% 41.43% 30.81% 33.08% EBITDA - 13,028.54 10,597.65 6,650.23 5,930.26 3,608.91 -4,217.95 -8,346.74 -8,113.51 -2,385.00 -7,504.51 EBITDA Margin - 53.41% 45.97% 32.80% 42.17% 25.29% -27.65% -61.11% -77.22% -20.17% -64.01% Depreciation - 594.09 498.59 420.92 363.51 372.20 384.78 366.67 519.98 -12.47 286.26 PBT - 12,434.45 10,099.07 6,229.31 5,566.75 3,236.71 -4,602.73 -8,713.41 -8,633.50 -2,372.52 -7,790.77 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax - 3,215.43 3,781.15 2,206.37 2,162.05 1,076.41 -1,645.84 -3,166.51 -2,589.79 -814.21 -1,701.56 Tax Rate - 25.86% 37.44% 35.42% 38.84% 33.26% 35.76% 36.34% 30.00% 34.32% 21.84% PAT - 9,219.02 6,317.92 4,022.94 3,404.70 2,160.30 -2,956.89 -5,546.90 -6,043.71 -1,558.31 -6,089.21 PAT before Minority Interest - 9,219.02 6,317.92 4,022.94 3,404.70 2,160.30 -2,956.89 -5,546.90 -6,043.71 -1,558.31 -6,089.21 Minority Interest - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin - 27.61% 21.68% 14.70% 15.52% 10.23% -13.46% -30.28% -37.21% -8.38% -39.60% PAT Growth - 45.92% 57.05% 18.16% 57.60% 0 0 0 0 0 EPS - 20.25 13.88 8.84 7.48 4.75 -6.49 -12.18 -13.28 -3.42 -13.37

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income - 24,713.53 23,316.56 20,491.05 14,197.48 14,432.88 15,399.31 13,797.70 10,633.97 11,979.48 11,847.52 Interest Earned - 71,307.71 61,073.34 47,931.69 38,280.91 40,853.83 42,590.77 41,004.82 38,312.80 39,585.23 42,092.84 Interest Expended - 46,594.18 37,756.78 27,440.64 24,083.43 26,420.95 27,191.46 27,207.12 27,678.83 27,605.75 30,245.32 Int. income Growth - 5.99% 13.79% 44.33% -1.63% -6.28% 11.61% 29.75% -11.23% 1.11% Other Income - 9,104.73 6,233.13 7,211.17 8,010.54 6,896.55 6,808.89 4,790.91 5,845.89 6,819.45 3,671.61 Total Income - 33,818.26 29,549.69 27,702.22 22,208.02 21,329.43 22,208.20 18,588.61 16,479.86 18,798.93 15,519.13 Total Expenditure - 20,656.37 18,847.86 21,177.00 16,262.70 17,671.52 26,386.07 26,874.19 24,618.06 21,218.32 23,286.78 Employee Cost - 10,387.31 9,262.68 8,452.90 7,112.08 6,528.86 6,196.56 6,081.82 4,963.17 5,449.06 5,403.59 % Of Sales - 14.57% 15.17% 17.64% 18.58% 15.98% 14.55% 14.83% 12.95% 13.77% 12.84% Opt. & Establishment Exp. - 7,426.16 6,552.22 6,347.15 5,429.71 4,857.58 4,807.80 4,684.94 4,823.70 3,518.66 4,311.38 % Of Sales - 10.41% 10.73% 13.24% 14.18% 11.89% 11.29% 11.43% 12.59% 8.89% 10.24% Provisions - 4,050.02 4,050.36 7,229.97 4,464.27 7,045.26 16,165.63 16,853.11 15,874.55 12,236.14 14,151.73 % Of Sales - 5.68% 6.63% 15.08% 11.66% 17.25% 37.96% 41.10% 41.43% 30.91% 33.62% EBITDA - 13,161.89 10,701.83 6,525.22 5,945.32 3,657.91 -4,177.87 -8,285.58 -8,138.20 -2,419.39 -7,767.65 EBITDA Margin - 53.26% 45.90% 31.84% 41.88% 25.34% -27.13% -60.05% -76.53% -20.20% -65.56% Depreciation - 603.56 508.70 426.51 371.68 380.09 391.96 372.84 521.68 -7.23 289.96 PBT - 12,558.33 10,193.13 6,098.71 5,573.65 3,277.81 -4,569.82 -8,658.42 -8,659.88 -2,412.15 -8,057.60 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax - 3,218.86 3,808.60 2,216.62 2,167.53 1,079.03 -1,640.42 -3,161.00 -2,587.00 -818.41 -1,722.63 Tax Rate - 25.63% 37.36% 36.35% 38.89% 32.92% 35.90% 36.51% 29.87% 33.93% 21.38% PAT - 9,335.58 6,382.42 3,880.71 3,411.39 2,200.97 -2,929.20 -5,497.90 -6,052.48 -1,572.32 -6,263.31 PAT before Minority Interest - 9,339.47 6,384.53 3,882.09 3,406.12 2,198.78 -2,929.40 -5,497.42 -6,072.88 -1,593.74 -6,334.97 Minority Interest - -3.89 -2.11 -1.38 5.27 2.19 0.20 -0.48 20.40 21.42 71.66 PAT Margin - 27.61% 21.60% 14.01% 15.36% 10.32% -13.19% -29.58% -36.73% -8.36% -40.36% PAT Growth - 46.27% 64.47% 13.76% 54.99% 0 0 0 0 0 EPS - 20.51 14.02 8.52 7.49 4.83 -6.43 -12.08 -13.29 -3.45 -13.76

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 78,601.44 68,880.67 58,970.61 55,131.24 48,685.59 43,816.32 46,319.15 35,540.65 32,487.08 32,317.22 Share Capital 4,553.41 4,553.41 4,104.31 4,104.31 3,277.66 3,277.66 2,760.03 1,743.72 1,055.43 817.29 Total Reserves 74,048.03 64,327.26 54,866.31 51,026.93 42,407.93 40,538.65 38,921.13 33,796.93 29,709.72 30,196.28 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 8,16,541.49 7,37,920.21 6,69,585.77 6,27,895.96 6,27,113.56 5,55,504.98 5,20,862.35 5,20,854.38 5,40,032.01 5,13,004.52 Borrowings 1,23,856.43 80,924.07 64,979.02 26,760.37 32,464.11 39,752.47 44,241.17 43,588.78 39,405.67 51,083.14 Other Liabilities & Provisions 23,582.59 24,872.98 22,020.21 24,826.45 17,593.19 17,921.72 13,800.17 9,591.03 14,384.52 13,509.04 Total Liabilities 10,42,581.95 9,12,597.93 8,15,555.61 7,34,614.02 7,25,856.45 6,56,995.49 6,25,222.84 6,09,574.84 6,26,309.28 6,09,913.92 Net Block 11,759.92 10,078.81 9,852.43 9,489.56 8,550.27 8,690.37 8,720.21 8,265.29 8,265.32 8,289.78 Gross Block 16,626.30 14,619.09 13,905.80 13,139.51 12,046.63 11,821.91 11,541.45 11,046.80 10,518.09 11,991.70 Accumulated Depreciation 4,866.38 4,540.28 4,053.37 3,649.95 3,496.36 3,131.54 2,821.24 2,781.51 2,252.77 3,701.93 Total Non-Current Assets 10,20,988.46 8,83,452.73 7,84,653.84 6,96,622.80 6,88,434.17 6,22,894.59 5,92,376.49 5,82,639.09 5,98,658.34 5,85,659.47 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 178.79 147.65 108.57 285.40 363.86 291.63 199.82 0.00 196.54 190.53 Cash and balance with RBI 51,730.43 38,556.27 44,034.51 40,280.58 60,697.57 29,239.25 29,236.56 31,347.84 27,347.66 33,961.61 Balance with banks and money at call 48,550.48 44,380.86 40,360.81 51,277.06 65,883.10 57,217.05 65,574.92 64,534.66 68,540.29 65,179.68 Investments 2,59,111.80 2,27,144.47 2,04,397.88 1,74,448.41 1,87,252.85 1,58,572.99 1,47,639.04 1,37,111.11 1,27,826.86 1,18,848.91 Advances 6,49,657.04 5,63,144.67 4,85,899.64 4,20,841.79 3,65,686.52 3,68,883.30 3,41,005.94 3,41,380.19 3,66,481.67 3,59,188.96 Other Assets 21,593.48 29,145.20 30,901.78 37,991.22 37,422.28 34,100.88 32,846.34 26,935.73 27,650.93 24,254.44 Total Assets 10,42,581.94 9,12,597.93 8,15,555.62 7,34,614.02 7,25,856.45 6,56,995.47 6,25,222.83 6,09,574.82 6,26,309.27 6,09,913.91 Contingent Liabilities 6,43,649.41 4,47,591.60 3,78,970.34 4,23,198.21 4,53,634.85 3,52,309.91 3,11,309.21 3,42,653.99 3,59,779.43 3,53,809.32 Bills for collection 27,997.38 28,552.71 29,174.73 27,600.93 24,906.92 25,056.25 28,500.40 32,102.67 31,621.87 26,897.51 Adjusted Book Value 154.49 136.32 126.90 117.47 120.34 114.42 128.32 172.07 237.77 306.24

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 80,725.75 70,581.25 60,432.94 56,521.85 49,980.23 45,073.15 47,651.95 36,756.48 33,629.26 33,345.66 Share Capital 4,553.41 4,553.41 4,104.31 4,104.31 3,277.66 3,277.66 2,760.03 1,743.72 1,055.43 817.29 Total Reserves 76,172.35 66,027.85 56,328.64 52,417.55 43,702.57 41,795.49 40,253.92 35,012.76 30,851.91 31,224.72 Minority Interest 161.57 160.81 156.51 129.50 159.31 151.42 162.15 159.15 80.98 98.00 Deposits 8,19,805.98 7,40,611.44 6,72,194.12 6,29,980.75 6,29,098.36 5,57,386.43 5,22,554.96 5,22,996.90 5,42,352.11 5,15,722.48 Borrowings 1,23,869.46 80,960.27 65,015.23 26,821.12 32,464.11 39,752.47 44,265.19 43,598.26 39,491.42 51,103.27 Other Liabilities & Provisions 31,862.25 31,966.58 28,236.95 29,678.12 21,088.09 20,655.38 16,249.65 11,673.55 16,472.18 16,359.82 Total Liabilities 10,56,425.01 9,24,280.35 8,26,035.75 7,43,131.34 7,32,790.10 6,63,018.85 6,30,883.90 6,15,184.34 6,32,025.95 6,16,629.23 Net Block 11,865.11 10,177.51 9,950.13 9,570.11 8,637.09 8,765.29 8,799.08 8,191.65 8,349.12 8,381.74 Gross Block 16,827.82 14,806.49 14,086.57 13,302.67 12,214.18 11,967.20 11,685.42 11,029.79 10,655.17 12,150.55 Accumulated Depreciation 4,962.71 4,628.98 4,136.44 3,732.56 3,577.10 3,201.91 2,886.34 2,838.15 2,306.06 3,768.81 Total Non-Current Assets 10,34,404.61 8,94,686.26 7,94,755.09 7,04,840.10 6,95,055.39 6,28,634.03 5,97,730.43 5,87,984.08 6,04,090.51 5,92,000.37 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 181.83 150.02 110.43 286.01 364.31 292.69 200.00 158.21 196.66 191.11 Cash and balance with RBI 52,125.83 38,893.95 44,381.55 40,530.32 60,930.38 29,446.55 29,322.09 31,575.19 27,544.44 34,213.72 Balance with banks and money at call 48,711.33 44,229.02 40,301.73 51,178.57 65,763.25 57,162.51 65,537.90 64,449.04 68,920.27 65,291.00 Investments 2,68,002.29 2,34,591.98 2,11,323.55 1,80,273.95 1,91,693.01 1,62,322.91 1,50,905.02 1,40,321.07 1,30,751.26 1,22,620.91 Advances 6,53,518.22 5,66,643.78 4,88,687.70 4,23,001.14 3,67,667.35 3,70,644.08 3,42,966.34 3,43,288.92 3,68,328.76 3,61,301.89 Other Assets 22,020.39 29,594.10 31,280.66 38,291.24 37,734.72 34,384.80 33,153.48 27,200.26 27,935.44 24,628.87 Total Assets 10,56,425.00 9,24,280.36 8,26,035.75 7,43,131.34 7,32,790.11 6,63,018.83 6,30,883.91 6,15,184.34 6,32,025.95 6,16,629.24 Contingent Liabilities 6,43,767.09 4,47,717.73 3,79,117.89 4,23,318.90 4,53,794.18 3,52,321.37 3,11,317.30 3,42,763.68 3,59,947.42 3,54,119.85 Bills for collection 27,998.34 28,554.35 29,189.51 27,611.37 24,913.97 25,063.23 28,504.75 32,105.15 31,625.22 26,902.10 Adjusted Book Value 159.03 139.93 130.32 120.72 124.13 118.10 132.97 178.72 248.06 318.83

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity 18,241.81 -2,933.30 -5,799.42 -35,316.27 38,063.06 -4,833.93 -9,191.54 -6,423.03 -7,477.58 22,024.51 PBT 12,434.44 10,099.07 6,229.31 5,566.75 3,236.72 -4,602.72 -8,713.41 -8,633.49 -2,372.53 -7,790.77 Adjustment 5,461.85 5,457.31 6,700.55 6,041.37 8,870.29 17,580.77 18,065.55 17,645.17 12,772.41 15,514.86 Adjustments for Liabilities & Assets 425.13 -19,756.09 -19,144.15 -46,363.43 25,247.05 -16,958.24 -15,157.52 -13,936.51 -19,035.04 14,606.87 Refund/(Payment) of direct taxes -79.61 1,266.41 414.88 -560.97 709.00 -853.74 -3,386.16 -1,498.21 1,157.58 -306.44 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -820.81 -1,890.22 -1,345.02 -834.66 -336.86 -350.43 150.82 -499.14 265.30 -427.13 Net Fixed Assets -2038.35 -752.37 -589.46 -1014.42 -296.95 -372.27 -694.47 -332.17 1467.60 -3304.33 Other Investment Activity -18695.31 -16111.76 -14849.03 -13761.77 -12760.92 -11962.72 -12240.41 -10781.50 -11141.76 -13023.90 Cash from Financing Activity -77.22 3,365.34 -17.88 1,127.90 2,398.16 -3,170.82 7,969.70 6,916.73 3,958.93 4,863.70 Closing Cash & Equivalent 1,00,280.91 82,937.13 84,395.32 91,557.64 1,26,580.67 86,456.31 94,811.49 95,882.51 95,887.95 99,141.30 Net Cash Inflow / Outflow 17,343.78 -1,458.19 -7,162.32 -35,023.03 40,124.36 -8,355.18 -1,071.02 -5.44 -3,253.35 26,461.08 Opening Cash & Equivalents 82,937.13 84,395.32 91,557.64 1,26,580.67 86,456.31 94,811.49 95,882.51 95,887.95 99,141.30 72,680.22

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity 18,534.45 -4,436.94 -7,045.04 -35,486.91 37,868.00 -4,827.08 -9,218.10 -7,366.00 -6,624.08 18,310.79 PBT 12,767.13 10,373.06 6,054.58 5,660.10 3,161.78 -4,691.46 -8,587.56 -8,548.31 -2,288.50 -7,905.89 Adjustment 5,549.19 5,550.01 6,772.81 6,094.96 8,890.41 17,640.55 18,125.41 17,753.44 13,408.73 15,822.80 Adjustments for Liabilities & Assets 362.85 -21,599.93 -20,228.47 -46,686.12 25,059.55 -16,913.34 -15,364.56 -15,031.99 -18,897.89 10,700.04 Refund/(Payment) of direct taxes -144.73 1,239.92 356.04 -555.85 756.27 -862.83 -3,391.38 -1,539.14 1,153.59 -306.15 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -854.48 -991.05 -521.34 -643.95 -181.60 -231.80 71.07 -259.89 -371.06 -608.69 Net Fixed Assets -2038.35 -752.37 -589.46 -1014.42 -296.95 -372.27 -694.47 -332.17 1467.60 -3304.33 Other Investment Activity -17796.14 -15288.08 -14658.32 -13606.51 -12642.29 -12042.47 -12001.16 -11417.86 -11323.32 -12936.89 Cash from Financing Activity 34.24 3,867.67 540.77 1,146.13 2,398.16 -3,192.05 7,982.80 7,185.41 3,955.12 4,863.70 Closing Cash & Equivalent 1,00,837.17 83,122.96 84,683.28 91,708.89 1,26,693.63 86,609.06 94,859.99 96,024.23 96,464.71 99,504.72 Net Cash Inflow / Outflow 17,714.21 -1,560.32 -7,025.61 -34,984.73 40,084.57 -8,250.94 -1,164.24 -440.48 -3,040.01 22,565.80 Opening Cash & Equivalents 83,122.96 84,683.28 91,708.89 1,26,693.63 86,609.06 94,859.99 96,024.23 96,464.71 99,504.72 76,938.92

Financial Ratios

Consolidated /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 154.49 136.32 126.90 117.47 120.34 114.42 128.32 172.07 237.77 306.24 NIM 2.42 2.64 2.62 2.05 2.10 2.49 2.34 1.83 2.00 2.03 Yield on Advances 10.90 10.78 9.81 9.05 11.10 11.48 11.96 11.15 10.72 11.64 Yield on Investments 7.30 6.53 5.97 7.18 7.53 7.12 6.45 7.72 9.67 8.16 Cost of Liabilities 4.94 4.60 3.73 3.67 3.99 4.55 4.80 4.88 4.74 5.33 Interest Spread 5.96 6.18 6.08 5.38 7.11 6.93 7.16 6.27 5.98 6.31 ROCE 11.98% 12.06% 9.69% 8.53% 6.17% -1.31% -5.41% -7.14% 0.86% -6.00% Cost Income Ratio 50.84 51.73 51.08 54.48 51.34 47.57 55.82 56.04 47.67 60.75 Core Cost Income Ratio 53.87 52.87 54.75 58.21 58.39 48.87 54.50 61.49 57.95 63.86 Operating Costs to Assets 1.63 1.65 1.71 1.63 1.49 1.59 1.64 1.49 1.42 1.53 Loans/Deposits 0.15 0.11 0.10 0.04 0.05 0.07 0.08 0.08 0.07 0.10 Cash/Deposits 0.06 0.05 0.07 0.06 0.10 0.05 0.06 0.06 0.05 0.07 Investment/Deposits 0.32 0.31 0.31 0.28 0.30 0.29 0.28 0.26 0.24 0.23 Inc Loan/Deposits 15.17% 10.97% 9.70% 4.26% 5.18% 7.16% 8.49% 8.37% 7.30% 9.96% Credit Deposits 79.56% 76.32% 72.57% 67.02% 58.31% 66.41% 65.47% 65.54% 67.86% 70.02% Interest Expended / Interest earned 65.56% 62.03% 57.45% 63.07% 64.85% 63.98% 66.50% 72.40% 69.90% 71.95% Interest income / Total funds 6.79% 6.65% 5.84% 5.18% 5.59% 6.45% 6.52% 6.25% 6.27% 6.85% Interest Expended / Total funds 4.45% 4.13% 3.36% 3.27% 3.63% 4.12% 4.34% 4.52% 4.39% 4.93% CASA 34.84% 37.18% 38.41% 40.08% 36.69% 36.51% 35.90% 34.11% 31.89% 25.87%

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 159.03 139.93 130.32 120.72 124.13 118.10 132.96 178.72 248.06 318.83 NIM 2.42 2.64 2.61 2.04 2.10 2.49 2.34 1.83 2.01 2.03 Yield on Advances 10.91 10.78 9.81 9.05 11.11 11.49 11.96 11.16 10.75 11.65 Yield on Investments 7.13 6.38 5.82 6.97 7.41 6.99 6.38 7.58 9.51 7.94 Cost of Liabilities 4.94 4.60 3.72 3.67 3.99 4.55 4.80 4.89 4.74 5.34 Interest Spread 5.97 6.18 6.09 5.38 7.12 6.94 7.16 6.28 6.00 6.31 ROCE 11.92% 11.98% 9.43% 8.40% 6.13% -1.25% -5.26% -7.06% 0.80% -6.25% Cost Income Ratio 50.89 51.80 51.89 54.80 51.60 47.79 55.92 56.22 47.74 60.73 Core Cost Income Ratio 53.89 52.93 55.58 58.52 58.62 49.09 54.77 61.61 57.92 63.84 Operating Costs to Assets 1.63 1.66 1.74 1.64 1.50 1.60 1.65 1.51 1.42 1.53 Loans/Deposits 0.15 0.11 0.10 0.04 0.05 0.07 0.08 0.08 0.07 0.10 Cash/Deposits 0.06 0.05 0.07 0.06 0.10 0.05 0.06 0.06 0.05 0.07 Investment/Deposits 0.33 0.32 0.31 0.29 0.30 0.29 0.29 0.27 0.24 0.24 Inc Loan/Deposits 15.11% 10.93% 9.67% 4.26% 5.16% 7.13% 8.47% 8.34% 7.28% 9.91% Credit Deposits 79.72% 76.51% 72.70% 67.15% 58.44% 66.50% 65.63% 65.64% 67.91% 70.06% Interest Expended / Interest earned 65.34% 61.82% 57.25% 62.91% 64.67% 63.84% 66.35% 72.24% 69.74% 71.85% Interest income / Total funds 6.75% 6.61% 5.80% 5.15% 5.58% 6.42% 6.50% 6.23% 6.26% 6.83% Interest Expended / Total funds 4.41% 4.08% 3.32% 3.24% 3.61% 4.10% 4.31% 4.50% 4.37% 4.90% CASA 34.77% 37.11% 38.33% 39.99% 36.63% 36.45% 35.84% 34.00% 31.83% 25.79%

Top Investors:

life insurance corporation of india - p & gs fund

sbi psu fund

Annual Reports:

News Update:

Bank of India gets nod to raise fund through bonds
2nd May 2025, 10:17 AM

The Board of Directors of the Bank at their meeting held on April 30, 2025, considered and approved the same
Read More
Bank of India reports 11% rise in global deposits during Q4FY25
3rd Apr 2025, 16:45 PM

Its global gross advances were up by 13.59% to Rs 6,65,151 crore (Provisional) in Q4FY25
Read More

Bank Of India

Bank - Public

BSE: 532149 | NSE: BANKINDIA

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

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Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Top Investors:

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News Update:

Bank Of India

Bank - Public

BSE: 532149 | NSE: BANKINDIA

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Top Investors:

Annual Reports:

News Update: