WEBSITE BSE:532149 NSE: BNK OF INDIA Inc. Year: 1906 Industry: Bank - Public
Last updated: 11:04
Bank of India Ltd is an India based bank. Its segments include Treasury Operations, Wholesale Banking Operations and Retail Banking Operations. The Treasury Operations section includes the investment portfolio, along with dealing in government and different securities, money market operations and forex operations. The Wholesale Banking Operations section consists of all advances, which aren't protected underneath retail banking. The Retail Banking Operations section consists of exposures, which fulfil standards, inclusive of publicity (the mos...Read More
Bank of India Ltd is an India based bank. Its segments include Treasury Operations, Wholesale Banking Operations and Retail Banking Operations. The Treasury Operations section includes the investment portfolio, along with dealing in government and different securities, money market operations and forex operations. The Wholesale Banking Operations section consists of all advances, which aren't protected underneath retail banking. The Retail Banking Operations section consists of exposures, which fulfil standards, inclusive of publicity (the most combination exposure of approximately 5 crore rupees), and the total annual turnover is less than about 50 crore rupees, because of this the average turnover of the last three years in case of present entities and projected turnover in case of new entities. It has over 5000 branches in India, which include specialised branches. Its subsidiaries include BOI Star Investment Managers Pvt Ltd, BOI Shareholding Ltd amongst others. ...Read Less
Our experts help you choose the right stocks based on performance, risk, and growth potential.
Market Cap ₹76954 Cr.
Stock P/E 8.2
P/B 1
Current Price ₹169
Book Value ₹ 171.5
Face Value 10
52W High ₹169.9
Dividend Yield 2.4%
52W Low ₹ 92.7
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 15062 | 15319 | 16250 | 17046 | 17466 | 18317 | 18479 | 18467 | 18521 | 19052 |
| Other Income | 1717 | 1202 | 1830 | 1338 | 2532 | 1780 | 3455 | 2211 | 2218 | 2327 |
| Total Income | 16779 | 16521 | 18080 | 18384 | 19998 | 20098 | 21934 | 20678 | 20740 | 21379 |
| Interest Expense | 9256 | 9792 | 10242 | 10693 | 11403 | 12166 | 12333 | 12321 | 12530 | 12504 |
| Operating Expenditure | 3705 | 3671 | 4193 | 3964 | 4394 | 4169 | 4683 | 4287 | 4358 | 4619 |
| Provisions and contingencies | 841 | 518 | 1848 | 1305 | 1062 | 317 | 1366 | 1112 | 492 | 582 |
| Operating Profit | 2977 | 2539 | 1797 | 2422 | 3138 | 3447 | 3551 | 2958 | 3361 | 3674 |
| Profit Before Tax | 2977 | 2539 | 1797 | 2422 | 3138 | 3447 | 3551 | 2439 | 3361 | 3674 |
| Provision for Tax | 1489 | 643 | 298 | 688 | 740 | 888 | 904 | 675 | 835 | 924 |
| Profit After Tax | 1489 | 1895 | 1499 | 1734 | 2399 | 2559 | 2648 | 1764 | 2526 | 2750 |
| Adjustments | 10 | 35 | 75 | 154 | 23 | 78 | -46 | 66 | 51 | 62 |
| Profit After Adjustments | 1499 | 1930 | 1574 | 1888 | 2421 | 2637 | 2602 | 1830 | 2577 | 2812 |
| Adjusted Earnings Per Share | 3.7 | 4.2 | 3.5 | 4.1 | 5.3 | 5.8 | 5.7 | 4 | 5.7 | 6.2 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 43685 | 42093 | 39585 | 38313 | 41005 | 42591 | 40854 | 38281 | 47932 | 61073 | 71308 | 74519 |
| Other Income | 4278 | 3672 | 6819 | 5846 | 4791 | 6809 | 6897 | 8011 | 7211 | 6233 | 9105 | 10211 |
| Total Income | 47963 | 45764 | 46405 | 44159 | 45796 | 49400 | 47750 | 46291 | 55143 | 67306 | 80412 | 84731 |
| Interest Expense | 32220 | 30245 | 27606 | 27679 | 27207 | 27191 | 26421 | 24083 | 27441 | 37757 | 46594 | 49688 |
| Operating Expenditure | 8193 | 9425 | 8975 | 9265 | 10394 | 10612 | 11006 | 12170 | 14374 | 15306 | 17210 | 17947 |
| Provisions and contingencies | 5698 | 14152 | 12236 | 15875 | 16853 | 16166 | 7045 | 4464 | 7230 | 4050 | 4050 | 3552 |
| Operating Profit | 1852 | -8058 | -2412 | -8660 | -8658 | -4570 | 3278 | 5574 | 6099 | 10193 | 12558 | 13544 |
| Profit Before Tax | 1852 | -8058 | -2412 | -8660 | -8658 | -4570 | 3278 | 5574 | 6099 | 10193 | 12558 | 13025 |
| Provision for Tax | 103 | -1723 | -818 | -2587 | -3161 | -1640 | 1079 | 2168 | 2217 | 3809 | 3219 | 3338 |
| Profit After Tax | 1748 | -6335 | -1594 | -6073 | -5497 | -2929 | 2199 | 3406 | 3882 | 6385 | 9339 | 9688 |
| Adjustments | 265 | 131 | 124 | 112 | 71 | -122 | -116 | 86 | -44 | 180 | 209 | 133 |
| Profit After Adjustments | 2013 | -6204 | -1470 | -5961 | -5427 | -3051 | 2083 | 3493 | 3838 | 6564 | 9548 | 9821 |
| Adjusted Earnings Per Share | 30.3 | -76 | -13.9 | -34.2 | -19.7 | -9.3 | 6.4 | 8.5 | 9.4 | 14.4 | 21 | 21.6 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 17% | 23% | 11% | 5% |
| Operating Profit CAGR | 23% | 31% | 0% | 21% |
| PAT CAGR | 46% | 40% | 0% | 18% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 63% | 28% | 23% | 6% |
| ROE Average | 14% | 11% | 9% | -2% |
| ROCE Average | 12% | 11% | 10% | 3% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 32523 | 33346 | 33629 | 36756 | 47652 | 45073 | 49980 | 56522 | 60433 | 70581 | 80726 |
| Minority's Interest | 168 | 98 | 81 | 159 | 162 | 151 | 159 | 129 | 157 | 161 | 162 |
| Deposits | 534482 | 515722 | 542352 | 522997 | 522555 | 557386 | 629098 | 629981 | 672194 | 740611 | 819806 |
| Borrowings | 40099 | 51103 | 39491 | 43598 | 44265 | 39752 | 32464 | 26821 | 65015 | 80960 | 123869 |
| Other Liabilities & Provisions | 18013 | 16360 | 16472 | 11674 | 16250 | 20655 | 21088 | 29678 | 28237 | 31967 | 31862 |
| Total Liabilities | 625285 | 616629 | 632026 | 615184 | 630884 | 663019 | 732790 | 743131 | 826036 | 924280 | 1056425 |
| Cash and balance with RBI | 27498 | 34214 | 27544 | 31575 | 29322 | 29447 | 60930 | 40530 | 44382 | 38894 | 52126 |
| Bank Balance | 45717 | 65291 | 68920 | 64449 | 65538 | 57163 | 65763 | 51179 | 40302 | 44229 | 48711 |
| Investments | 123196 | 122621 | 130751 | 140321 | 150905 | 162323 | 191693 | 180274 | 211324 | 234592 | 268002 |
| Advances | 404389 | 361302 | 368329 | 343289 | 342966 | 370644 | 367667 | 423001 | 488688 | 566644 | 653518 |
| Fixed Assets | 5802 | 8382 | 8349 | 8192 | 8799 | 8765 | 8637 | 9570 | 9950 | 10178 | 11865 |
| Other Assets | 18570 | 24629 | 27935 | 27200 | 33153 | 34385 | 37735 | 38291 | 31281 | 29594 | 22020 |
| Total Assets | 625285 | 616629 | 632026 | 615184 | 630884 | 663019 | 732790 | 743131 | 826036 | 924280 | 1056425 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 61760 | 76939 | 99505 | 96465 | 96024 | 94860 | 86609 | 126694 | 91709 | 84683 | 83123 |
| Cash Flow from Operating Activities | 14638 | 18311 | -6624 | -7366 | -9218 | -4827 | 37868 | -35487 | -7045 | -4437 | 18534 |
| Cash Flow from Investing Activities | -755 | -609 | -371 | -260 | 71 | -232 | -182 | -644 | -521 | -991 | -854 |
| Cash Flow from Financing Activities | 1295 | 4864 | 3955 | 7185 | 7983 | -3192 | 2398 | 1146 | 541 | 3868 | 34 |
| Net Cash Inflow / Outflow | 15179 | 22566 | -3040 | -440 | -1164 | -8251 | 40085 | -34985 | -7026 | -1560 | 17714 |
| Closing Cash & Cash Equivalent | 76939 | 99505 | 96465 | 96024 | 94860 | 86609 | 126694 | 91709 | 84683 | 83123 | 100837 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 30.27 | -75.98 | -13.94 | -34.2 | -19.67 | -9.31 | 6.36 | 8.51 | 9.35 | 14.42 | 20.97 |
| CEPS(Rs) | 30.67 | -74.03 | -15.18 | -31.85 | -18.57 | -7.74 | 7.87 | 9.21 | 10.5 | 15.14 | 21.84 |
| DPS(Rs) | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 2.8 | 4.05 |
| Book NAV/Share(Rs) | 435.65 | 318.83 | 248.06 | 178.72 | 132.97 | 118.1 | 124.13 | 120.72 | 130.32 | 139.93 | 159.03 |
| Yield on Advances | 10.8 | 11.65 | 10.75 | 11.16 | 11.96 | 11.49 | 11.11 | 9.05 | 9.81 | 10.78 | 10.91 |
| Yield on Investments | 8.41 | 7.94 | 9.51 | 7.58 | 6.38 | 6.99 | 7.1 | 6.97 | 5.82 | 6.38 | 7.13 |
| Cost of Liabilities | 5.61 | 5.34 | 4.74 | 4.89 | 4.8 | 4.55 | 3.99 | 3.67 | 3.72 | 4.6 | 4.94 |
| NIM (Net Interest Margin) | 1.91 | 2.03 | 2.01 | 1.83 | 2.34 | 2.49 | 2.1 | 2.04 | 2.61 | 2.64 | 2.42 |
| Interest Spread | 5.2 | 6.31 | 6 | 6.28 | 7.16 | 6.94 | 7.12 | 5.38 | 6.09 | 6.18 | 5.97 |
| ROA(%) | 0.29 | -1.02 | -0.26 | -0.97 | -0.88 | -0.45 | 0.32 | 0.46 | 0.49 | 0.73 | 0.94 |
| ROE(%) | 6.24 | -23.04 | -6.11 | -21.19 | -16.21 | -7.77 | 5.54 | 7.55 | 7.54 | 10.9 | 13.72 |
| ROCE(%) | 6.62 | -6.25 | 0.8 | -7.06 | -5.26 | -1.25 | 6.13 | 8.4 | 9.43 | 11.98 | 11.92 |
| PER(x) | 6.47 | 0 | 0 | 0 | 0 | 0 | 10.68 | 5.39 | 8 | 9.5 | 5.11 |
| Price/Book(x) | 0.45 | 0.3 | 0.56 | 0.58 | 0.78 | 0.27 | 0.55 | 0.38 | 0.57 | 0.98 | 0.67 |
| Dividend Yield(%) | 2.55 | 0 | 0 | 0 | 0 | 0 | 0 | 4.36 | 2.67 | 2.04 | 3.78 |
| EV/Net Sales(x) | 1.22 | 1.4 | 1.37 | 1.61 | 1.78 | 1.18 | 1.34 | 1.19 | 2 | 2.35 | 2.42 |
| EV/Core EBITDA(x) | 7.04 | 9.69 | 5.52 | 8.54 | 8.91 | 4.34 | 5.3 | 4.55 | 7.18 | 10.06 | 10.39 |
| Interest Earned Growth(%) | 14.58 | -3.64 | -5.96 | -3.21 | 7.03 | 3.87 | -4.08 | -6.3 | 25.21 | 27.42 | 16.76 |
| Net Profit Growth | -36.02 | -462.34 | 74.84 | -281.04 | 9.48 | 46.71 | 175.06 | 54.91 | 13.97 | 64.46 | 46.28 |
| Advances Growth | 8.51 | -10.65 | 1.94 | -6.8 | -0.09 | 8.07 | -0.8 | 15.05 | 15.53 | 15.95 | 15.33 |
| EPS Growth(%) | -34.9 | -350.98 | 81.66 | -145.38 | 42.5 | 52.66 | 168.26 | 33.91 | 9.89 | 54.17 | 45.45 |
| Loans/Deposits(x) | 7.5 | 9.91 | 7.28 | 8.34 | 8.47 | 7.13 | 5.16 | 4.26 | 9.67 | 10.93 | 15.11 |
| Cash/Deposits(x) | 0.05 | 0.07 | 0.05 | 0.06 | 0.06 | 0.05 | 0.1 | 0.06 | 0.07 | 0.05 | 0.06 |
| Current Ratio(x) | 0.23 | 0.24 | 0.24 | 0.27 | 0.29 | 0.29 | 0.3 | 0.29 | 0.31 | 0.32 | 0.33 |
| Quick Ratio(x) | 7.5 | 9.91 | 7.28 | 8.34 | 8.47 | 7.13 | 5.16 | 4.26 | 9.67 | 10.93 | 15.11 |
| CASA % | 22.25 | 25.79 | 31.83 | 34 | 35.84 | 36.45 | 36.63 | 39.99 | 38.33 | 37.11 | 34.77 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 81.41 | 73.38 | 73.38 | 73.38 | 73.38 | 73.38 | 73.38 | 73.38 | 73.38 | 73.38 |
| FII | 2.91 | 4.31 | 4.52 | 3.61 | 3.21 | 2.92 | 3.89 | 3.53 | 4.24 | 5.82 |
| DII | 9.56 | 14.65 | 15.82 | 15.46 | 16.26 | 16.41 | 15.9 | 15.97 | 15.63 | 15.18 |
| Public | 6.12 | 7.66 | 6.28 | 7.55 | 7.14 | 7.29 | 6.83 | 7.12 | 6.75 | 5.62 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 334.09 | 334.09 | 334.09 | 334.09 | 334.09 | 334.09 | 334.09 | 334.09 | 334.09 | 334.09 |
| FII | 11.95 | 19.61 | 20.58 | 16.43 | 14.63 | 13.28 | 17.7 | 16.07 | 19.31 | 26.5 |
| DII | 39.23 | 66.71 | 72.02 | 70.36 | 74.03 | 74.71 | 72.4 | 72.7 | 71.14 | 69.09 |
| Public | 25.09 | 34.87 | 28.58 | 34.39 | 32.52 | 33.2 | 31.09 | 32.41 | 30.74 | 25.59 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 410.36 | 455.27 | 455.27 | 455.27 | 455.27 | 455.27 | 455.27 | 455.27 | 455.27 | 455.27 |
* The pros and cons are machine generated.
You May Also Know About
Looking to buy unlisted shares or need guidance on the investment process? Our expert Private Equity Advisors are here to assist you with accurate information, real-time pricing, and seamless execution.
Want to sell unlisted shares, liquidate your ESOPs, or understand the step-by-step process of liquidation? Connect with our Buying Team for smooth coordination, quick evaluations, and end-to-end support.
Planning to build or grow your portfolio? For Mutual Fund investments, PMS solutions, tailored portfolio creation, and overall wealth management, our dedicated Wealth Team is ready to guide you.
