Nifty
Sensex
:
:
9580.30
32424.10
90.20 (0.95%)
223.51 (0.69%)

Bank - Public

Rating :
34/99

BSE: 532149 | NSE: BANKINDIA

31.45
29-May-2020
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  31.55
  •  31.80
  •  31.05
  •  32.05
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  3082936
  •  971.84
  •  99.20
  •  30.40

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 10,322.31
  • 13.46
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 25,265.41
  • N/A
  • 0.24

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 89.10%
  • 0.28%
  • 4.04%
  • FII
  • DII
  • Others
  • 0.4%
  • 5.39%
  • 0.79%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 8.99
  • 3.77
  • 4.82

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 60.40
  • 41.83
  • 8.56

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • 51.78

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.68
  • -
  • -

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.56
  • 0.49
  • 0.56

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.92
  • 5.10
  • 3.81

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Dec 19
Dec 18
Var%
Sep 19
Sep 18
Var%
Jun 19
Jun 18
Var%
Mar 19
Mar 18
Var%
Interest Earned
10,898.19
10,230.06
6.53%
10,715.29
9,832.46
8.98%
10,392.21
10,072.00
3.18%
10,870.30
0.00
0
Interest Exp.
6,744.11
6,862.15
-1.72%
6,817.84
6,869.32
-0.75%
6,871.62
6,684.27
2.80%
6,791.37
0.00
0
Net Interest Income
4,154.08
3,367.91
23.34%
3,897.45
2,963.14
31.53%
3,520.59
3,387.73
3.92%
4,078.93
0.00
0
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
2,532.34
1,561.10
62.22%
1,347.26
1,062.60
26.79%
1,221.00
650.27
87.77%
1,516.95
0.00
0
Total Income
13,430.53
11,791.16
13.90%
12,062.55
10,895.05
10.72%
11,613.21
10,722.27
8.31%
12,387.25
0.00
0
Operating Exp.
2,528.09
2,631.72
-3.94%
2,763.14
2,351.31
17.51%
2,455.34
2,150.15
14.19%
3,260.74
0.00
0
Operating Profit
4,158.33
2,297.28
81.01%
2,481.57
1,674.43
48.20%
2,286.25
1,887.85
21.10%
2,335.14
0.00
0
Provision
4,028.03
9,023.65
-55.36%
2,060.00
3,346.25
-38.44%
1,922.72
2,569.09
-25.16%
1,914.13
0.00
0
PBT
130.30
-6,726.37
-
421.57
-1,671.82
-
363.53
-681.24
-
421.01
0.00
0
PBTM
1.20
-65.75
-
3.93
-17.00
-
3.50
-6.76
-
3.87
0.00
0
TAX
14.66
-1,994.84
-
143.16
-536.81
-
117.73
-785.67
-
156.33
0.00
0
PAT
115.64
-4,731.53
-
278.41
-1,135.01
-
245.80
104.43
135.37%
264.68
0.00
0
PATM
1.06%
-46.25%
2.60%
-11.54%
2.37%
1.04%
2.43%
0.00%
EPS
0.35
-14.44
-
0.85
-3.46
-
0.75
0.32
134.38%
0.81
0.00
0
Gross NPA
0.00
0.00
0
0.00
0.00
0
62,147.40
60,685.05
2.41%
60,739.57
0.00
0
Gross NPA%
0.00
0.00
0
0.00
0.00
0
16.44
16.59
-0.90%
15.78
0.00
0
Net NPA
0.00
0.00
0
0.00
0.00
0
19,339.30
27,989.14
-30.90%
19,169.72
0.00
0
Net NPA%
0.00
0.00
0
0.00
0.00
0
5.78
8.41
-31.27%
5.59
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 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Net Interest Income
15,651.05
13,797.70
10,633.97
11,979.48
11,847.52
11,464.82
10,955.42
9,135.42
8,394.65
7,877.50
5,832.98
Interest Earned
42,875.99
41,004.82
38,312.80
39,585.23
42,092.84
43,684.87
38,125.19
32,095.83
28,610.95
21,858.43
17,996.25
Interest Expended
27,224.94
27,207.12
27,678.83
27,605.75
30,245.32
32,220.05
27,169.77
22,960.41
20,216.30
13,980.93
12,163.27
Int. income Growth
61.04%
29.75%
-11.23%
1.11%
3.34%
4.65%
19.92%
8.82%
6.56%
35.05%
 
Other Income
6,617.55
5,264.03
5,845.89
6,819.45
3,671.61
4,278.08
4,319.00
3,784.60
3,319.24
2,641.83
2,600.66
Total Income
49,493.54
19,061.73
16,479.86
18,798.93
15,519.13
15,742.90
15,274.42
12,920.02
11,713.89
10,519.33
8,433.64
Total Expenditure
11,007.31
27,347.31
24,618.06
21,218.32
23,286.78
13,600.07
11,473.38
9,713.97
7,953.09
-9,004.44
-7,151.88
Employee Cost
-
6,081.82
4,963.17
5,449.06
5,403.59
5,031.30
4,036.59
3,179.17
3,089.51
3,492.01
2,308.75
% Of Sales
-
14.83%
12.95%
13.77%
12.84%
11.52%
10.59%
9.91%
10.80%
15.98%
12.83%
Opt. & Establishment Exp.
-
5,158.06
4,823.70
3,518.66
4,311.38
3,453.19
3,021.89
2,465.78
2,095.90
-14,100.02
-11,453.58
% Of Sales
-
12.58%
12.59%
8.89%
10.24%
7.90%
7.93%
7.68%
7.33%
-64.51%
-63.64%
Provisions
-
16,853.11
15,874.55
12,236.14
14,151.73
5,697.74
4,882.70
4,447.16
3,117.78
1,893.29
2,212.87
% Of Sales
-
41.10%
41.43%
30.91%
33.62%
13.04%
12.81%
13.86%
10.90%
8.66%
12.30%
EBITDA
11,261.29
-8,285.58
-8,138.20
-2,419.39
-7,767.65
2,142.83
3,801.04
3,206.05
3,760.80
19,523.77
15,585.52
EBITDA Margin
74.33%
-60.05%
-76.53%
-20.20%
-65.56%
18.69%
34.70%
35.09%
44.80%
247.84%
267.20%
Depreciation
0.00
372.84
521.68
-7.23
289.96
291.08
233.90
189.07
175.05
144.86
109.96
PBT
1,336.41
-8,658.42
-8,659.88
-2,412.15
-8,057.60
1,851.75
3,567.14
3,016.98
3,585.75
3,504.68
2,502.11
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
431.88
-3,161.00
-2,587.00
-818.41
-1,722.63
103.42
834.49
275.79
911.13
1,015.97
763.55
Tax Rate
32.32%
36.51%
29.87%
33.93%
21.38%
5.58%
23.39%
9.14%
25.41%
28.99%
30.52%
PAT
903.74
-5,497.90
-6,052.48
-1,572.32
-6,263.31
1,746.44
2,731.30
2,742.98
2,666.59
2,483.17
1,741.33
PAT before Minority Interest
904.53
-5,497.42
-6,072.88
-1,593.74
-6,334.97
1,748.33
2,732.65
2,741.19
2,674.62
2,488.71
1,738.56
Minority Interest
-0.79
-0.48
20.40
21.42
71.66
-1.89
-1.35
1.79
-8.03
-5.54
2.77
PAT Margin
4.06%
-28.84%
-36.73%
-8.36%
-40.36%
11.09%
17.88%
21.23%
22.76%
23.61%
20.65%
PAT Growth
-115.70%
0
0
0
-458.63%
-36.06%
-0.43%
2.86%
7.39%
42.60%
 
EPS
2.76
-16.78
-18.47
-4.80
-19.11
5.33
8.34
8.37
8.14
7.58
5.31

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Shareholder's Funds
47,651.95
36,756.48
33,629.26
33,345.66
32,522.85
30,773.72
24,471.01
21,414.00
17,636.08
14,445.03
Share Capital
2,760.03
1,743.72
1,055.43
817.29
665.65
643.00
596.64
574.52
547.22
525.91
Total Reserves
40,253.92
35,012.76
30,851.91
31,224.72
31,857.20
30,130.72
23,874.37
20,839.48
17,088.86
13,919.11
Minority Interest
162.15
159.15
80.98
98.00
167.93
84.00
73.43
62.90
51.24
319.23
Deposits
522,554.96
522,996.90
542,352.11
515,722.48
534,482.30
478,695.08
383,130.99
319,412.53
299,559.40
230,408.21
Borrowings
44,265.19
43,598.26
39,491.42
51,103.27
40,098.69
48,427.51
35,369.40
32,118.94
22,021.38
22,399.90
Other Liabilities & Provisions
16,249.65
11,673.55
16,472.18
16,359.82
18,012.98
20,174.29
13,361.96
14,580.87
13,763.76
9,261.52
Total Liabilities
630,883.90
615,184.34
632,025.95
616,629.23
625,284.75
578,154.60
456,406.79
387,589.24
353,031.86
276,833.89
Net Block
8,799.08
8,191.65
8,349.12
8,381.74
5,801.84
5,677.54
2,806.98
2,739.71
2,383.75
2,313.83
Gross Block
11,685.42
11,029.79
10,655.17
12,150.55
8,859.53
8,274.42
4,994.31
4,681.43
4,062.75
3,843.01
Accumulated Depreciation
2,886.34
2,838.15
2,306.06
3,768.81
3,057.69
2,596.88
2,187.33
1,941.72
1,679.00
1,529.18
Total Non-Current Assets
597,730.43
587,984.08
604,090.51
592,000.37
606,714.81
556,741.69
445,320.13
376,054.67
340,580.74
270,971.68
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
200.00
158.21
196.66
191.11
112.65
142.64
93.66
60.32
115.68
65.08
Cash and balance with RBI
29,322.09
31,575.19
27,544.44
34,213.72
27,498.38
19,287.86
22,125.12
15,139.67
21,860.07
15,657.96
Balance with banks and money at call
65,537.90
64,449.04
68,920.27
65,291.00
45,717.06
42,472.45
33,252.00
20,324.66
15,836.29
15,791.11
Investments
150,905.02
140,321.07
130,751.26
122,620.91
123,195.53
116,489.74
96,387.76
88,056.87
86,676.59
68,112.69
Advances
342,966.34
343,288.92
368,328.76
361,301.89
404,389.35
372,671.46
290,654.61
249,733.44
213,708.36
169,031.01
Other Assets
33,153.48
27,200.26
27,935.44
24,628.87
18,569.93
21,412.91
11,086.66
11,534.57
12,451.11
5,862.19
Total Assets
630,883.91
615,184.34
632,025.95
616,629.24
625,284.74
578,154.60
456,406.79
387,589.24
353,031.85
276,833.87
Contingent Liabilities
311,317.30
342,763.68
359,947.42
354,119.85
374,093.12
252,826.44
221,788.85
191,260.65
163,598.93
135,156.91
Bills for collection
28,504.75
32,105.15
31,625.22
26,902.10
26,420.18
21,862.72
24,253.39
19,298.50
12,675.38
11,810.83
Adjusted Book Value
132.97
178.72
248.06
318.83
435.65
420.87
390.80
351.66
298.56
247.83

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Cash From Operating Activity
-9,218.10
-7,366.00
-6,624.08
18,310.79
14,638.20
6,451.62
20,631.93
-1,644.08
6,196.21
8,320.82
PBT
-8,587.56
-8,548.31
-2,288.50
-7,905.89
2,116.33
3,821.27
3,095.69
3,635.99
3,558.39
2,550.71
Adjustment
18,125.41
17,753.44
13,408.73
15,822.80
7,230.70
6,196.51
5,552.76
4,184.36
2,882.62
3,086.46
Adjustments for Liabilities & Assets
-15,364.56
-15,031.99
-18,897.89
10,700.04
6,420.92
-3,296.46
13,741.67
-8,133.93
895.15
3,797.63
Refund/(Payment) of direct taxes
-3,391.38
-1,539.14
1,153.59
-306.15
-1,129.74
-269.70
-1,758.19
-1,330.50
-1,139.95
-1,113.99
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
71.07
-259.89
-371.06
-608.69
-754.66
-813.88
-388.00
-616.66
-720.22
-15.51
Net Fixed Assets
-694.47
-332.17
1467.60
-3304.33
-553.88
-3314.75
-332.41
-541.93
-279.05
-167.20
Other Investment Activity
-12001.16
-11417.86
-11323.32
-12936.89
-9691.78
-8712.02
-5625.93
-5397.08
-4150.44
-4112.15
Cash from Financing Activity
7,982.80
7,185.41
3,955.12
4,863.70
1,295.07
745.44
-331.14
28.72
771.30
1,253.79
Closing Cash & Equivalent
94,859.99
96,024.23
96,464.71
99,504.72
76,938.92
61,760.31
55,377.13
35,464.34
37,696.36
31,449.07
Net Cash Inflow / Outflow
-1,164.24
-440.48
-3,040.01
22,565.80
15,178.61
6,383.18
19,912.79
-2,232.03
6,247.29
9,559.10
Opening Cash & Equivalents
96,024.23
96,464.71
99,504.72
76,938.92
61,760.31
55,377.13
35,464.34
37,696.36
31,449.07
21,889.97

Financial Ratios

Consolidated /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Book Value
132.96
178.72
248.06
318.83
435.65
420.87
390.80
351.66
298.56
247.83
NIM
2.34
1.83
2.01
2.03
1.91
1.99
2.06
2.25
2.33
2.17
Yield on Advances
11.96
11.16
10.75
11.65
10.80
10.23
11.04
11.46
10.23
10.65
Yield on Investments
6.38
7.58
9.51
7.94
8.41
7.92
8.03
8.60
6.37
7.47
Cost of Liabilities
4.80
4.89
4.74
5.34
5.61
5.15
5.49
5.75
4.35
4.81
Interest Spread
7.16
6.28
6.00
6.31
5.20
5.08
5.56
5.71
5.88
5.84
ROCE
-5.26%
-7.06%
0.80%
-6.25%
6.62%
9.89%
9.99%
12.44%
13.77%
11.52%
Cost Income Ratio
57.01
56.22
47.74
60.73
52.05
44.68
42.23
42.77
48.69
44.09
Core Cost Income Ratio
55.87
61.61
57.92
63.84
55.33
47.14
43.75
44.32
50.23
47.47
Operating Costs to Assets
1.72
1.51
1.42
1.53
1.31
1.18
1.20
1.29
1.45
1.34
Loans/Deposits
0.08
0.08
0.07
0.10
0.08
0.10
0.09
0.10
0.07
0.10
Cash/Deposits
0.06
0.06
0.05
0.07
0.05
0.04
0.06
0.05
0.07
0.07
Investment/Deposits
0.29
0.27
0.24
0.24
0.23
0.24
0.25
0.28
0.29
0.30
Inc Loan/Deposits
8.47%
8.34%
7.28%
9.91%
7.50%
10.12%
9.23%
10.06%
7.35%
9.72%
Credit Deposits
65.63%
65.64%
67.91%
70.06%
75.66%
77.85%
75.86%
78.19%
71.34%
73.36%
Interest Expended / Interest earned
66.35%
72.24%
69.74%
71.85%
73.76%
71.26%
71.54%
70.66%
63.96%
67.59%
Interest income / Total funds
6.50%
6.23%
6.26%
6.83%
6.99%
6.59%
7.03%
7.38%
6.19%
6.50%
Interest Expended / Total funds
4.31%
4.50%
4.37%
4.90%
5.15%
4.70%
5.03%
5.22%
3.96%
4.39%
CASA
35.84%
34.00%
31.83%
25.79%
22.25%
22.92%
25.62%
26.60%
25.40%
27.78%

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  • RBI slaps penalty of Rs 5 crore on Bank of India
    29th May 2020, 12:17 PM

    The penalty is for non-compliance with certain provisions of the directions issued by RBI

    Read More

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