Nifty
:
21995.85
Sensex
:
72488.99
-152.05 (-0.69%)
-454.69 (-0.62%)
Nifty
Sensex
:
:
21995.85
72488.99
-152.05 (-0.69%)
-454.69 (-0.62%)

Bank Of India

Bank - Public

Rating :
72/99

BSE: 532149 | NSE: BANKINDIA

NSE BSE
138.45
16-Apr-2024
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  137.80
  •  139.90
  •  137.05
  •  138.75
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  4486047
  •  6220.02
  •  156.25
  •  69.50

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 62,986.16
  • 9.84
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 83,619.84
  • 1.45%
  • 1.02

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
  • 4.00
  • -39.25
  • -21.01

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 3.57
  • -
  • 20.81

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.55
  • 0.60

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • 7.58
  • 8.96

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.55
  • 0.55
  • 0.60

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.33
  • 2.37
  • 1.76

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Dec 23
Dec 22
Var%
Sep 23
Sep 22
Var%
Jun 23
Jun 22
Var%
Mar 23
Mar 22
Var%
Interest Earned
15,318.75
12,795.54
19.72%
15,062.00
11,545.36
30.46%
14,442.14
10,042.88
43.80%
13,547.91
9,903.14
36.80%
Interest Exp.
9,792.22
7,144.45
37.06%
9,255.71
6,433.45
43.87%
8,466.96
5,915.17
43.14%
7,947.56
5,887.87
34.98%
Net Interest Income
5,526.53
5,651.09
-2.20%
5,806.29
5,111.91
13.58%
5,975.18
4,127.71
44.76%
5,600.35
4,015.27
39.48%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
1,202.08
1,422.49
-15.49%
1,717.41
1,455.96
17.96%
1,483.90
1,164.69
27.41%
3,168.03
1,650.17
91.98%
Total Income
16,520.83
14,218.03
16.20%
16,779.41
13,001.32
29.06%
15,926.04
11,207.57
42.10%
16,715.94
11,553.31
44.69%
Operating Exp.
3,671.40
3,396.97
8.08%
3,704.90
3,385.59
9.43%
3,736.57
3,082.85
21.21%
4,508.13
3,146.95
43.25%
Operating Profit
3,057.21
3,676.61
-16.85%
3,818.80
3,182.28
20.00%
3,722.51
2,209.55
68.47%
4,260.25
2,518.49
69.16%
Provision
518.39
1,894.42
-72.64%
841.36
1,927.50
-56.35%
842.69
1,325.99
-36.45%
2,082.07
1,553.76
34.00%
PBT
2,538.82
1,782.19
42.46%
2,977.44
1,254.78
137.29%
2,879.82
883.56
225.93%
2,178.18
964.73
125.78%
PBTM
16.57
13.93
18.95%
19.77
10.87
81.88%
19.94
8.80
126.59%
16.08
9.74
65.09%
TAX
643.34
623.35
3.21%
1,488.62
502.60
196.18%
1,378.60
300.68
358.49%
789.99
320.62
146.39%
PAT
1,895.48
1,158.84
63.57%
1,488.82
752.18
97.93%
1,501.22
582.88
157.55%
1,388.19
644.11
115.52%
PATM
12.37%
9.06%
9.88%
6.51%
10.39%
5.80%
10.25%
6.50%
EPS
4.16
2.55
63.14%
3.27
1.65
98.18%
3.30
1.28
157.81%
3.05
1.41
116.31%
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 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Net Interest Income
22,908.35
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
10,955.42
Interest Earned
58,370.80
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
38,125.19
Interest Expended
35,462.45
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
27,169.77
Int. income Growth
21.17%
44.33%
-1.63%
-6.28%
11.61%
29.75%
-11.23%
1.11%
3.34%
4.65%
 
Other Income
7,571.42
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
4,319.00
Total Income
65,942.22
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
15,274.42
Total Expenditure
15,621.00
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
11,473.38
Employee Cost
-
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
4,036.59
% Of Sales
-
17.64%
18.58%
15.98%
14.55%
14.83%
12.95%
13.77%
12.84%
11.52%
10.59%
Opt. & Establishment Exp.
-
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
3,021.89
% Of Sales
-
13.24%
14.18%
11.89%
11.29%
11.43%
12.59%
8.89%
10.24%
7.90%
7.93%
Provisions
-
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
4,882.70
% Of Sales
-
15.08%
11.66%
17.25%
37.96%
41.10%
41.43%
30.91%
33.62%
13.04%
12.81%
EBITDA
14,858.77
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
3,801.04
EBITDA Margin
73.24%
31.84%
41.88%
25.34%
-27.13%
-60.05%
-76.53%
-20.20%
-65.56%
18.69%
34.70%
Depreciation
0.00
426.51
371.68
380.09
391.96
372.84
521.68
-7.23
289.96
291.08
233.90
PBT
10,574.26
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
3,567.14
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
4,300.55
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
834.49
Tax Rate
40.67%
36.35%
38.89%
32.92%
35.90%
36.51%
29.87%
33.93%
21.38%
5.58%
23.39%
PAT
6,270.37
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
2,731.30
PAT before Minority Interest
6,273.71
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
2,732.65
Minority Interest
-3.34
-1.38
5.27
2.19
0.20
-0.48
20.40
21.42
71.66
-1.89
-1.35
PAT Margin
20.57%
14.01%
15.36%
10.32%
-13.19%
-29.58%
-36.73%
-8.36%
-40.36%
11.09%
17.88%
PAT Growth
99.93%
13.76%
54.99%
0
0
0
0
0
-458.63%
-36.06%
 
EPS
13.78
8.52
7.49
4.83
-6.43
-12.08
-13.29
-3.45
-13.76
3.84
6.00

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Shareholder's Funds
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
30,773.72
Share Capital
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
643.00
Total Reserves
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
30,130.72
Minority Interest
156.51
129.50
159.31
151.42
162.15
159.15
80.98
98.00
167.93
84.00
Deposits
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
478,695.08
Borrowings
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
48,427.51
Other Liabilities & Provisions
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
20,174.29
Total Liabilities
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
578,154.60
Net Block
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
5,677.54
Gross Block
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
8,274.42
Accumulated Depreciation
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
2,596.88
Total Non-Current Assets
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
556,741.69
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
110.43
286.01
364.31
292.69
200.00
158.21
196.66
191.11
112.65
142.64
Cash and balance with RBI
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
19,287.86
Balance with banks and money at call
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
42,472.45
Investments
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
116,489.74
Advances
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
372,671.46
Other Assets
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
21,412.91
Total Assets
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
578,154.60
Contingent Liabilities
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
252,826.44
Bills for collection
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
21,862.72
Adjusted Book Value
130.32
120.72
124.13
118.10
132.97
178.72
248.06
318.83
435.65
420.87

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Cash From Operating Activity
-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
6,451.62
PBT
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
3,821.27
Adjustment
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
6,196.51
Adjustments for Liabilities & Assets
-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
-3,296.46
Refund/(Payment) of direct taxes
356.04
-555.85
756.27
-862.83
-3,391.38
-1,539.14
1,153.59
-306.15
-1,129.74
-269.70
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
-521.34
-643.95
-181.60
-231.80
71.07
-259.89
-371.06
-608.69
-754.66
-813.88
Net Fixed Assets
-589.46
-1014.42
-296.95
-372.27
-694.47
-332.17
1467.60
-3304.33
-553.88
-3314.75
Other Investment Activity
-14658.32
-13606.51
-12642.29
-12042.47
-12001.16
-11417.86
-11323.32
-12936.89
-9691.78
-8712.02
Cash from Financing Activity
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
745.44
Closing Cash & Equivalent
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
Net Cash Inflow / Outflow
-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
6,383.18
Opening Cash & Equivalents
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
55,377.13

Financial Ratios

Consolidated /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Book Value
130.32
120.72
124.13
118.10
132.96
178.72
248.06
318.83
435.65
420.87
NIM
2.61
2.04
2.10
2.49
2.34
1.83
2.01
2.03
1.91
1.99
Yield on Advances
9.81
9.05
11.11
11.49
11.96
11.16
10.75
11.65
10.80
10.23
Yield on Investments
6.57
6.97
7.41
6.99
6.38
7.58
9.51
7.94
8.41
7.92
Cost of Liabilities
3.72
3.67
3.99
4.55
4.80
4.89
4.74
5.34
5.61
5.15
Interest Spread
6.09
5.38
7.12
6.94
7.16
6.28
6.00
6.31
5.20
5.08
ROCE
9.43%
8.40%
6.13%
-1.25%
-5.26%
-7.06%
0.80%
-6.25%
6.62%
9.89%
Cost Income Ratio
51.89
54.80
51.60
47.79
55.92
56.22
47.74
60.73
52.05
44.68
Core Cost Income Ratio
55.58
58.52
58.62
49.09
54.77
61.61
57.92
63.84
55.33
47.14
Operating Costs to Assets
1.74
1.64
1.50
1.60
1.65
1.51
1.42
1.53
1.31
1.18
Loans/Deposits
0.10
0.04
0.05
0.07
0.08
0.08
0.07
0.10
0.08
0.10
Cash/Deposits
0.07
0.06
0.10
0.05
0.06
0.06
0.05
0.07
0.05
0.04
Investment/Deposits
0.31
0.29
0.30
0.29
0.29
0.27
0.24
0.24
0.23
0.24
Inc Loan/Deposits
9.67%
4.26%
5.16%
7.13%
8.47%
8.34%
7.28%
9.91%
7.50%
10.12%
Credit Deposits
72.70%
67.15%
58.44%
66.50%
65.63%
65.64%
67.91%
70.06%
75.66%
77.85%
Interest Expended / Interest earned
57.25%
62.91%
64.67%
63.84%
66.35%
72.24%
69.74%
71.85%
73.76%
71.26%
Interest income / Total funds
5.80%
5.15%
5.58%
6.42%
6.50%
6.23%
6.26%
6.83%
6.99%
6.59%
Interest Expended / Total funds
3.32%
3.24%
3.61%
4.10%
4.31%
4.50%
4.37%
4.90%
5.15%
4.70%
CASA
38.33%
39.99%
36.63%
36.45%
35.84%
34.00%
31.83%
25.79%
22.25%
22.92%

Annual Reports:

FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016
FY 2015
FY 2014

News Update:


  • 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
  • RBI imposes monetary penalty on Bank of India
    14th Mar 2024, 16:59 PM

    The action is based on deficiencies in regulatory compliance

    Read More
  • Bank of India invests Rs 60.35 crore in NARCL
    6th Mar 2024, 16:38 PM

    As a result of this equity participation, Bank of India's equity holdings in NARCL will remain the same at 9% (after allotment of new shares)

    Read More
  • Bank of India reports over 2- fold jump in Q3 consolidated net profit
    5th Feb 2024, 14:10 PM

    Total consolidated income of the bank increased by 16.20% at Rs 16520.83 crore for Q3FY24

    Read More
  • Bank Of India - Quarterly Results
    2nd Feb 2024, 17:42 PM

    Read More
  • Bank of India reports 9% rise in total deposits during Q3FY24
    11th Jan 2024, 11:49 AM

    Its gross advances were up by 11.49% to Rs 5,66,081 crore in Q3FY24

    Read More

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