Nifty
Sensex
:
:
24502.15
80519.34
186.20 (0.77%)
622.00 (0.78%)

Bank - Public

Rating :
65/99

BSE: 532149 | NSE: BANKINDIA

120.45
05-Jul-2024
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  118.90
  •  121.45
  •  118.55
  •  118.64
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  8038993
  •  9659.77
  •  157.95
  •  76.75

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 54,745.83
  • 8.34
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 96,812.15
  • 2.33%
  • 0.86

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 73.38%
  • 0.44%
  • 5.41%
  • FII
  • DII
  • Others
  • 4.52%
  • 14.98%
  • 1.27%

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
  • 13.84
  • -
  • 23.22

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.56
  • 0.63

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • 8.04
  • 8.91

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.56
  • 0.56
  • 0.63

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.21
  • 2.43
  • 2.05

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Var%
Dec 23
Dec 22
Var%
Sep 23
Sep 22
Var%
Jun 23
Jun 22
Var%
Interest Earned
16,250.46
13,547.91
19.95%
15,318.75
12,795.54
19.72%
15,062.00
11,545.36
30.46%
14,442.14
10,042.88
43.80%
Interest Exp.
10,241.90
7,947.56
28.87%
9,792.22
7,144.45
37.06%
9,255.71
6,433.45
43.87%
8,466.96
5,915.17
43.14%
Net Interest Income
6,008.56
5,600.35
7.29%
5,526.53
5,651.09
-2.20%
5,806.29
5,111.91
13.58%
5,975.18
4,127.71
44.76%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
1,829.74
3,168.03
-42.24%
1,202.08
1,422.49
-15.49%
1,717.41
1,455.96
17.96%
1,483.90
1,164.69
27.41%
Total Income
18,080.20
16,715.94
8.16%
16,520.83
14,218.03
16.20%
16,779.41
13,001.32
29.06%
15,926.04
11,207.57
42.10%
Operating Exp.
4,193.33
4,508.13
-6.98%
3,671.40
3,396.97
8.08%
3,704.90
3,385.59
9.43%
3,736.57
3,082.85
21.21%
Operating Profit
3,644.97
4,260.25
-14.44%
3,057.21
3,676.61
-16.85%
3,818.80
3,182.28
20.00%
3,722.51
2,209.55
68.47%
Provision
1,847.92
2,082.07
-11.25%
518.39
1,894.42
-72.64%
841.36
1,927.50
-56.35%
842.69
1,325.99
-36.45%
PBT
1,797.05
2,178.18
-17.50%
2,538.82
1,782.19
42.46%
2,977.44
1,254.78
137.29%
2,879.82
883.56
225.93%
PBTM
11.06
16.08
-31.22%
16.57
13.93
18.95%
19.77
10.87
81.88%
19.94
8.80
126.59%
TAX
298.04
789.99
-62.27%
643.34
623.35
3.21%
1,488.62
502.60
196.18%
1,378.60
300.68
358.49%
PAT
1,499.01
1,388.19
7.98%
1,895.48
1,158.84
63.57%
1,488.82
752.18
97.93%
1,501.22
582.88
157.55%
PATM
9.22%
10.25%
12.37%
9.06%
9.88%
6.51%
10.39%
5.80%
EPS
3.29
3.05
7.87%
4.16
2.55
63.14%
3.27
1.65
98.18%
3.30
1.28
157.81%
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 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Net Interest Income
-
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
11,464.82
Interest Earned
-
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
43,684.87
Interest Expended
-
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
32,220.05
Int. income Growth
-
13.79%
44.33%
-1.63%
-6.28%
11.61%
29.75%
-11.23%
1.11%
3.34%
 
Other Income
-
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
4,278.08
Total Income
-
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
15,742.90
Total Expenditure
-
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
13,600.07
Employee Cost
-
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
5,031.30
% Of Sales
-
15.17%
17.64%
18.58%
15.98%
14.55%
14.83%
12.95%
13.77%
12.84%
11.52%
Opt. & Establishment Exp.
-
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
3,453.19
% Of Sales
-
10.73%
13.24%
14.18%
11.89%
11.29%
11.43%
12.59%
8.89%
10.24%
7.90%
Provisions
-
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
5,697.74
% Of Sales
-
6.63%
15.08%
11.66%
17.25%
37.96%
41.10%
41.43%
30.91%
33.62%
13.04%
EBITDA
-
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
2,142.83
EBITDA Margin
-
45.90%
31.84%
41.88%
25.34%
-27.13%
-60.05%
-76.53%
-20.20%
-65.56%
18.69%
Depreciation
-
508.70
426.51
371.68
380.09
391.96
372.84
521.68
-7.23
289.96
291.08
PBT
-
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
1,851.75
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
-
3,808.60
2,216.62
2,167.53
1,079.03
-1,640.42
-3,161.00
-2,587.00
-818.41
-1,722.63
103.42
Tax Rate
-
37.36%
36.35%
38.89%
32.92%
35.90%
36.51%
29.87%
33.93%
21.38%
5.58%
PAT
-
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
1,746.44
PAT before Minority Interest
-
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
1,748.33
Minority Interest
-
-2.11
-1.38
5.27
2.19
0.20
-0.48
20.40
21.42
71.66
-1.89
PAT Margin
-
21.60%
14.01%
15.36%
10.32%
-13.19%
-29.58%
-36.73%
-8.36%
-40.36%
11.09%
PAT Growth
-
64.47%
13.76%
54.99%
0
0
0
0
0
-458.63%
 
EPS
-
14.02
8.52
7.49
4.83
-6.43
-12.08
-13.29
-3.45
-13.76
3.84

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Shareholder's Funds
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
32,522.85
Share Capital
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
665.65
Total Reserves
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
31,857.20
Minority Interest
160.81
156.51
129.50
159.31
151.42
162.15
159.15
80.98
98.00
167.93
Deposits
740,611.44
672,194.12
629,980.75
629,098.36
557,386.43
522,554.96
522,996.90
542,352.11
515,722.48
534,482.30
Borrowings
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
40,098.69
Other Liabilities & Provisions
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
18,012.98
Total Liabilities
924,280.35
826,035.75
743,131.34
732,790.10
663,018.85
630,883.90
615,184.34
632,025.95
616,629.23
625,284.75
Net Block
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
5,801.84
Gross Block
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
8,859.53
Accumulated Depreciation
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
3,057.69
Total Non-Current Assets
894,686.26
794,755.09
704,840.10
695,055.39
628,634.03
597,730.43
587,984.08
604,090.51
592,000.37
606,714.81
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
150.02
110.43
286.01
364.31
292.69
200.00
158.21
196.66
191.11
112.65
Cash and balance with RBI
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
27,498.38
Balance with banks and money at call
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
45,717.06
Investments
234,591.98
211,323.55
180,273.95
191,693.01
162,322.91
150,905.02
140,321.07
130,751.26
122,620.91
123,195.53
Advances
566,643.78
488,687.70
423,001.14
367,667.35
370,644.08
342,966.34
343,288.92
368,328.76
361,301.89
404,389.35
Other Assets
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
18,569.93
Total Assets
924,280.36
826,035.75
743,131.34
732,790.11
663,018.83
630,883.91
615,184.34
632,025.95
616,629.24
625,284.74
Contingent Liabilities
447,717.73
379,117.89
423,318.90
453,794.18
352,321.37
311,317.30
342,763.68
359,947.42
354,119.85
374,093.12
Bills for collection
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
26,420.18
Adjusted Book Value
139.93
130.32
120.72
124.13
118.10
132.97
178.72
248.06
318.83
435.65

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Cash From Operating Activity
-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
14,638.20
PBT
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
2,116.33
Adjustment
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
7,230.70
Adjustments for Liabilities & Assets
-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
6,420.92
Refund/(Payment) of direct taxes
1,239.92
356.04
-555.85
756.27
-862.83
-3,391.38
-1,539.14
1,153.59
-306.15
-1,129.74
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
-991.05
-521.34
-643.95
-181.60
-231.80
71.07
-259.89
-371.06
-608.69
-754.66
Net Fixed Assets
-752.37
-589.46
-1014.42
-296.95
-372.27
-694.47
-332.17
1467.60
-3304.33
-553.88
Other Investment Activity
-15288.08
-14658.32
-13606.51
-12642.29
-12042.47
-12001.16
-11417.86
-11323.32
-12936.89
-9691.78
Cash from Financing Activity
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
1,295.07
Closing Cash & Equivalent
83,122.96
84,683.28
91,708.89
126,693.63
86,609.06
94,859.99
96,024.23
96,464.71
99,504.72
76,938.92
Net Cash Inflow / Outflow
-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
15,178.61
Opening Cash & Equivalents
84,683.28
91,708.89
126,693.63
86,609.06
94,859.99
96,024.23
96,464.71
99,504.72
76,938.92
61,760.31

Financial Ratios

Consolidated /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Book Value
139.93
130.32
120.72
124.13
118.10
132.96
178.72
248.06
318.83
435.65
NIM
2.64
2.61
2.04
2.10
2.49
2.34
1.83
2.01
2.03
1.91
Yield on Advances
10.78
9.81
9.05
11.11
11.49
11.96
11.16
10.75
11.65
10.80
Yield on Investments
6.38
5.82
6.97
7.41
6.99
6.38
7.58
9.51
7.94
8.41
Cost of Liabilities
4.60
3.72
3.67
3.99
4.55
4.80
4.89
4.74
5.34
5.61
Interest Spread
6.18
6.09
5.38
7.12
6.94
7.16
6.28
6.00
6.31
5.20
ROCE
11.98%
9.43%
8.40%
6.13%
-1.25%
-5.26%
-7.06%
0.80%
-6.25%
6.62%
Cost Income Ratio
51.80
51.89
54.80
51.60
47.79
55.92
56.22
47.74
60.73
52.05
Core Cost Income Ratio
52.93
55.58
58.52
58.62
49.09
54.77
61.61
57.92
63.84
55.33
Operating Costs to Assets
1.66
1.74
1.64
1.50
1.60
1.65
1.51
1.42
1.53
1.31
Loans/Deposits
0.11
0.10
0.04
0.05
0.07
0.08
0.08
0.07
0.10
0.08
Cash/Deposits
0.05
0.07
0.06
0.10
0.05
0.06
0.06
0.05
0.07
0.05
Investment/Deposits
0.32
0.31
0.29
0.30
0.29
0.29
0.27
0.24
0.24
0.23
Inc Loan/Deposits
10.93%
9.67%
4.26%
5.16%
7.13%
8.47%
8.34%
7.28%
9.91%
7.50%
Credit Deposits
76.51%
72.70%
67.15%
58.44%
66.50%
65.63%
65.64%
67.91%
70.06%
75.66%
Interest Expended / Interest earned
61.82%
57.25%
62.91%
64.67%
63.84%
66.35%
72.24%
69.74%
71.85%
73.76%
Interest income / Total funds
6.61%
5.80%
5.15%
5.58%
6.42%
6.50%
6.23%
6.26%
6.83%
6.99%
Interest Expended / Total funds
4.08%
3.32%
3.24%
3.61%
4.10%
4.31%
4.50%
4.37%
4.90%
5.15%
CASA
37.11%
38.33%
39.99%
36.63%
36.45%
35.84%
34.00%
31.83%
25.79%
22.25%

News Update:


  • Bank of India reports 9% rise in global deposits during Q1FY25
    8th Jul 2024, 17:27 PM

    Its global gross advances were up by 15.78% to Rs 6,00,054 crore (Provisional) in Q1FY25

    Read More
  • Bank of India reports 11% rise in Q4 consolidated net profit
    13th May 2024, 12:45 PM

    Total consolidated income of the bank increased by 8.16% at Rs 18,080.20 crore for Q4FY24

    Read More
  • Bank Of India - Quarterly Results
    10th May 2024, 17:46 PM

    Read More
  • Bank of India, IMGC enter into partnership
    15th Apr 2024, 17:15 PM

    This collaboration focuses on salaried and self-employed home loan customers in the affordable housing segment

    Read More

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