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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

50,170.40
5.25
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

92,236.72
2.54%
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

13.84
-
23.22

PAT CAGR (%)

10 Years
5 Years
3 Years

0.61
0.70

P:E (Median)

8 Years
5 Years
3 Years

5.67
7.78
7.98

P:BV (Average)

8 Years
5 Years
3 Years

0.59
0.61
0.70

EV:EBITDA (Average)

8 Years
5 Years
3 Years

3.20
2.82
3.90

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 0.00 2.92 -100.00% 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 0.00 43.21 -100.00% 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 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
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 11,378.46 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 43,464.71 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 32,086.25 Int. income Growth 5.82% 13.70% 44.18% -1.46% -6.47% 11.71% 29.99% -11.16% 0.87% 3.04% 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 4,197.90 Total Income 79,819.92 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 15,576.36 Total Expenditure 16,975.46 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 13,495.88 Employee Cost - 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 4,985.82 % Of Sales - 15.14% 17.61% 18.53% 15.94% 14.50% 14.77% 12.88% 13.74% 12.82% 11.47% Opt. & Establishment Exp. - 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 3,388.18 % Of Sales - 10.52% 12.62% 13.82% 11.67% 11.08% 11.21% 12.39% 8.80% 10.22% 7.80% Provisions - 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 5,692.72 % Of Sales - 6.54% 15.03% 11.61% 17.33% 38.06% 41.22% 41.43% 30.81% 33.08% 13.10% EBITDA 16,412.11 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 2,080.48 EBITDA Margin 76.03% 45.97% 32.80% 42.17% 25.29% -27.65% -61.11% -77.22% -20.17% -64.01% 18.28% Depreciation 0.00 498.59 420.92 363.51 372.20 384.78 366.67 519.98 -12.47 286.26 285.42 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 1,795.05 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 86.13 Tax Rate 25.86% 37.44% 35.42% 38.84% 33.26% 35.76% 36.34% 30.00% 34.32% 21.84% 4.80% 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 1,708.92 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 1,708.92 Minority Interest 0.00 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% 10.97% PAT Growth 45.92% 57.05% 18.16% 57.60% 0 0 0 0 0 -456.32% EPS 20.25 13.88 8.84 7.48 4.75 -6.49 -12.18 -13.28 -3.42 -13.37 3.75

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 24,713.51 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 71,307.70 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 46,594.19 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 5.99% 13.79% 44.33% -1.63% -6.28% 11.61% 29.75% -11.23% 1.11% 3.34% Other Income 9,104.74 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 80,412.44 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 17,209.91 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 16,608.34 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 75.87% 45.90% 31.84% 41.88% 25.34% -27.13% -60.05% -76.53% -20.20% -65.56% 18.69% Depreciation 0.00 508.70 426.51 371.68 380.09 391.96 372.84 521.68 -7.23 289.96 291.08 PBT 12,558.31 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 3,218.87 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 25.63% 37.36% 36.35% 38.89% 32.92% 35.90% 36.51% 29.87% 33.93% 21.38% 5.58% PAT 9,335.55 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 9,339.44 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 -3.89 -2.11 -1.38 5.27 2.19 0.20 -0.48 20.40 21.42 71.66 -1.89 PAT Margin 27.61% 21.60% 14.01% 15.36% 10.32% -13.19% -29.58% -36.73% -8.36% -40.36% 11.09% PAT Growth 46.28% 64.47% 13.76% 54.99% 0 0 0 0 0 -458.63% EPS 20.51 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 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 31,446.74 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 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 30,781.09 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 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 5,31,906.63 Borrowings 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 40,057.14 Other Liabilities & Provisions 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 15,287.25 Total Liabilities 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 6,18,697.76 Net Block 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 5,772.91 Gross Block 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 8,765.28 Accumulated Depreciation 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 2,992.36 Total Non-Current Assets 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 6,00,383.35 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 147.65 108.57 285.40 363.86 291.63 199.82 0.00 196.54 190.53 112.62 Cash and balance with RBI 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 27,170.03 Balance with banks and money at call 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 45,510.19 Investments 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 1,19,792.05 Advances 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 4,02,025.55 Other Assets 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 18,314.41 Total Assets 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 6,18,697.76 Contingent Liabilities 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 3,73,702.59 Bills for collection 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 26,412.39 Adjusted Book Value 136.32 126.90 117.47 120.34 114.42 128.32 172.07 237.77 306.24 419.47

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 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 5,34,482.30 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 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 6,25,284.75 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 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 6,06,714.81 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 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 1,23,195.53 Advances 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 4,04,389.35 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 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 6,25,284.74 Contingent Liabilities 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 3,74,093.12 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 -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 10,844.53 PBT 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 1,795.06 Adjustment 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 7,254.99 Adjustments for Liabilities & Assets -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 2,907.98 Refund/(Payment) of direct taxes 1,266.41 414.88 -560.97 709.00 -853.74 -3,386.16 -1,498.21 1,157.58 -306.44 -1,113.50 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 -1,890.22 -1,345.02 -834.66 -336.86 -350.43 150.82 -499.14 265.30 -427.13 -841.67 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 -16111.76 -14849.03 -13761.77 -12760.92 -11962.72 -12240.41 -10781.50 -11141.76 -13023.90 -9501.41 Cash from Financing Activity 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 1,295.07 Closing Cash & Equivalent 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 Net Cash Inflow / Outflow -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 11,297.93 Opening Cash & Equivalents 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 61,382.29

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 1,26,693.63 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 1,26,693.63 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 136.32 126.90 117.47 120.34 114.42 128.32 172.07 237.77 306.24 419.47 NIM 2.64 2.62 2.05 2.10 2.49 2.34 1.83 2.00 2.03 1.91 Yield on Advances 10.78 9.81 9.05 11.10 11.48 11.96 11.15 10.72 11.64 10.81 Yield on Investments 6.53 5.97 7.18 7.53 7.12 6.45 7.72 9.67 8.16 8.65 Cost of Liabilities 4.60 3.73 3.67 3.99 4.55 4.80 4.88 4.74 5.33 5.61 Interest Spread 6.18 6.08 5.38 7.11 6.93 7.16 6.27 5.98 6.31 5.20 ROCE 12.06% 9.69% 8.53% 6.17% -1.31% -5.41% -7.14% 0.86% -6.00% 6.62% Cost Income Ratio 51.73 51.08 54.48 51.34 47.57 55.82 56.04 47.67 60.75 51.93 Core Cost Income Ratio 52.87 54.75 58.21 58.39 48.87 54.50 61.49 57.95 63.86 55.23 Operating Costs to Assets 1.65 1.71 1.63 1.49 1.59 1.64 1.49 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 0.31 0.31 0.28 0.30 0.29 0.28 0.26 0.24 0.23 0.23 Inc Loan/Deposits 10.97% 9.70% 4.26% 5.18% 7.16% 8.49% 8.37% 7.30% 9.96% 7.53% Credit Deposits 76.32% 72.57% 67.02% 58.31% 66.41% 65.47% 65.54% 67.86% 70.02% 75.58% Interest Expended / Interest earned 62.03% 57.45% 63.07% 64.85% 63.98% 66.50% 72.40% 69.90% 71.95% 73.82% Interest income / Total funds 6.65% 5.84% 5.18% 5.59% 6.45% 6.52% 6.25% 6.27% 6.85% 7.03% Interest Expended / Total funds 4.13% 3.36% 3.27% 3.63% 4.12% 4.34% 4.52% 4.39% 4.93% 5.19% CASA 37.18% 38.41% 40.08% 36.69% 36.51% 35.90% 34.11% 31.89% 25.87% 22.30%

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%

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 (%)

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P:BV (Average)

EV:EBITDA (Average)

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Consolidated Figures in Rs. Crores /

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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: