WEBSITE BSE:532149 NSE : BNK OF INDIA 13 May, 16:12
Market Cap ₹56726 Cr.
Stock P/E 8.2
P/B 0.9
Current Price ₹124.6
Book Value ₹ 139.9
Face Value 10
52W High ₹158
Dividend Yield 2.25%
52W Low ₹ 69.4
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.
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| #(Fig in Cr.) | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 9423 | 9903 | 10043 | 11545 | 12796 | 13548 | 14442 | 15062 | 15319 | 16250 |
| Other Income | 1847 | 1650 | 1165 | 1456 | 1422 | 3168 | 1484 | 1717 | 1202 | 1830 |
| Total Income | 11271 | 11553 | 11208 | 13001 | 14218 | 16716 | 15926 | 16779 | 16521 | 18080 |
| Interest Expense | 5987 | 5888 | 5915 | 6433 | 7144 | 7948 | 8467 | 9256 | 9792 | 10242 |
| Operating Expenditure | 3201 | 3147 | 3083 | 3386 | 3397 | 4508 | 3737 | 3705 | 3671 | 4193 |
| Provisions and contingencies | 357 | 1554 | 1326 | 1928 | 1894 | 2082 | 843 | 841 | 518 | 1848 |
| Operating Profit | 1726 | 965 | 884 | 1255 | 1782 | 2178 | 2880 | 2977 | 2539 | 1797 |
| Profit Before Tax | 1726 | 965 | 884 | 1255 | 1782 | 2178 | 2880 | 2977 | 2539 | 1797 |
| Provision for Tax | 734 | 321 | 301 | 503 | 623 | 790 | 1379 | 1489 | 643 | 298 |
| Profit After Tax | 992 | 644 | 583 | 752 | 1159 | 1388 | 1501 | 1489 | 1895 | 1499 |
| Adjustments | 4 | 44 | 75 | 102 | -244 | 23 | 60 | 10 | 35 | 75 |
| Profit After Adjustments | 996 | 688 | 658 | 854 | 915 | 1412 | 1562 | 1499 | 1930 | 1574 |
| Adjusted Earnings Per Share | 2.4 | 1.7 | 1.6 | 2.1 | 2.2 | 3.4 | 3.8 | 3.7 | 4.2 | 3.5 |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 32096 | 38125 | 43685 | 42093 | 39585 | 38313 | 41005 | 42591 | 40854 | 38281 | 47932 | 61073 |
| Other Income | 3785 | 4319 | 4278 | 3672 | 6819 | 5846 | 4791 | 6809 | 6897 | 8011 | 7211 | 6233 |
| Total Income | 35880 | 42444 | 47963 | 45764 | 46405 | 44159 | 45796 | 49400 | 47750 | 46291 | 55143 | 67306 |
| Interest Expense | 22960 | 27170 | 32220 | 30245 | 27606 | 27679 | 27207 | 27191 | 26421 | 24083 | 27441 | 37757 |
| Operating Expenditure | 5456 | 6825 | 8193 | 9425 | 8975 | 9265 | 10394 | 10612 | 11006 | 12170 | 14374 | 15306 |
| Provisions and contingencies | 4447 | 4883 | 5698 | 14152 | 12236 | 15875 | 16853 | 16166 | 7045 | 4464 | 7230 | 4050 |
| Operating Profit | 3017 | 3567 | 1852 | -8058 | -2412 | -8660 | -8658 | -4570 | 3278 | 5574 | 6099 | 10193 |
| Profit Before Tax | 3017 | 3567 | 1852 | -8058 | -2412 | -8660 | -8658 | -4570 | 3278 | 5574 | 6099 | 10193 |
| Provision for Tax | 276 | 834 | 103 | -1723 | -818 | -2587 | -3161 | -1640 | 1079 | 2168 | 2217 | 3809 |
| Profit After Tax | 2741 | 2733 | 1748 | -6335 | -1594 | -6073 | -5497 | -2929 | 2199 | 3406 | 3882 | 6384 |
| Adjustments | 79 | 254 | 265 | 131 | 124 | 112 | 71 | -122 | -116 | 86 | -44 | 180 |
| Profit After Adjustments | 2820 | 2987 | 2013 | -6204 | -1470 | -5961 | -5427 | -3051 | 2083 | 3493 | 3838 | 6565 |
| Adjusted Earnings Per Share | 47.3 | 46.5 | 30.3 | -76 | -13.9 | -34.2 | -19.7 | -9.3 | 6.4 | 8.5 | 9.4 | 15.2 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 25% | 4% | 5% | 4% |
| Operating Profit CAGR | 9% | 0% | 0% | 7% |
| PAT CAGR | 14% | 0% | 0% | 4% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 59% | 19% | 9% | -7% |
| ROE Average | 8% | 7% | -1% | -2% |
| ROCE Average | 9% | 8% | 3% | 3% |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 24471 | 30774 | 32523 | 33346 | 33629 | 36756 | 47652 | 45073 | 49980 | 56522 | 60433 |
| Minority's Interest | 73 | 84 | 168 | 98 | 81 | 159 | 162 | 151 | 159 | 129 | 157 |
| Deposits | 383131 | 478695 | 534482 | 515722 | 542352 | 522997 | 522555 | 557386 | 629098 | 629981 | 672194 |
| Borrowings | 35369 | 48428 | 40099 | 51103 | 39491 | 43598 | 44265 | 39752 | 32464 | 26821 | 65015 |
| Other Liabilities & Provisions | 13362 | 20174 | 18013 | 16360 | 16472 | 11674 | 16250 | 20655 | 21088 | 29678 | 28237 |
| Total Liabilities | 456407 | 578155 | 625285 | 616629 | 632026 | 615184 | 630884 | 663019 | 732790 | 743131 | 826036 |
| Cash and balance with RBI | 22125 | 19288 | 27498 | 34214 | 27544 | 31575 | 29322 | 29447 | 60930 | 40530 | 44382 |
| Bank Balance | 33252 | 42472 | 45717 | 65291 | 68920 | 64449 | 65538 | 57163 | 65763 | 51179 | 40302 |
| Investments | 96388 | 116490 | 123196 | 122621 | 130751 | 140321 | 150905 | 162323 | 191693 | 180274 | 211324 |
| Advances | 290655 | 372671 | 404389 | 361302 | 368329 | 343289 | 342966 | 370644 | 367667 | 423001 | 488688 |
| Fixed Assets | 2807 | 5678 | 5802 | 8382 | 8349 | 8192 | 8799 | 8765 | 8637 | 9570 | 9950 |
| Other Assets | 11087 | 21413 | 18570 | 24629 | 27935 | 27200 | 33153 | 34385 | 37735 | 38291 | 31281 |
| Total Assets | 456407 | 578155 | 625285 | 616629 | 632026 | 615184 | 630884 | 663019 | 732790 | 743131 | 826036 |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 35464 | 55377 | 61760 | 76939 | 99505 | 96465 | 96024 | 94860 | 86609 | 126694 | 91709 |
| Cash Flow from Operating Activities | 20632 | 6452 | 14638 | 18311 | -6624 | -7366 | -9218 | -4827 | 37868 | -35487 | -7045 |
| Cash Flow from Investing Activities | -388 | -814 | -755 | -609 | -371 | -260 | 71 | -232 | -182 | -644 | -521 |
| Cash Flow from Financing Activities | -331 | 745 | 1295 | 4864 | 3955 | 7185 | 7983 | -3192 | 2398 | 1146 | 541 |
| Net Cash Inflow / Outflow | 19913 | 6383 | 15179 | 22566 | -3040 | -440 | -1164 | -8251 | 40085 | -34985 | -7026 |
| Closing Cash & Cash Equivalent | 55377 | 61760 | 76939 | 99505 | 96465 | 96024 | 94860 | 86609 | 126694 | 91709 | 84683 |
| # | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 47.32 | 46.5 | 30.27 | -75.98 | -13.94 | -34.2 | -19.67 | -9.31 | 6.36 | 8.51 | 9.35 |
| CEPS(Rs) | 49.17 | 46.19 | 30.67 | -74.03 | -15.18 | -31.85 | -18.57 | -7.74 | 7.87 | 9.21 | 10.5 |
| DPS(Rs) | 10 | 5 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 2 |
| Book NAV/Share(Rs) | 390.8 | 420.87 | 435.65 | 318.83 | 248.06 | 178.72 | 132.97 | 118.1 | 124.13 | 120.72 | 130.32 |
| Yield on Advances | 11.04 | 10.23 | 10.8 | 11.65 | 10.75 | 11.16 | 11.96 | 11.49 | 11.11 | 9.05 | 9.81 |
| Yield on Investments | 8.03 | 7.92 | 8.41 | 7.94 | 9.51 | 7.58 | 6.38 | 6.99 | 7.1 | 6.97 | 6.57 |
| Cost of Liabilities | 5.49 | 5.15 | 5.61 | 5.34 | 4.74 | 4.89 | 4.8 | 4.55 | 3.99 | 3.67 | 3.72 |
| NIM (Net Interest Margin) | 2.06 | 1.99 | 1.91 | 2.03 | 2.01 | 1.83 | 2.34 | 2.49 | 2.1 | 2.04 | 2.61 |
| Interest Spread | 5.56 | 5.08 | 5.2 | 6.31 | 6 | 6.28 | 7.16 | 6.94 | 7.12 | 5.38 | 6.09 |
| ROA(%) | 0.65 | 0.53 | 0.29 | -1.02 | -0.26 | -0.97 | -0.88 | -0.45 | 0.32 | 0.46 | 0.49 |
| ROE(%) | 12.61 | 10.86 | 6.24 | -23.04 | -6.11 | -21.19 | -16.21 | -7.77 | 5.54 | 7.55 | 7.54 |
| ROCE(%) | 9.99 | 9.89 | 6.62 | -6.25 | 0.8 | -7.06 | -5.26 | -1.25 | 6.13 | 8.4 | 9.43 |
| PER(x) | 6.39 | 4.92 | 6.47 | 0 | 0 | 0 | 0 | 0 | 10.68 | 5.39 | 8 |
| Price/Book(x) | 0.77 | 0.54 | 0.45 | 0.3 | 0.56 | 0.58 | 0.78 | 0.27 | 0.55 | 0.38 | 0.57 |
| Dividend Yield(%) | 3.31 | 2.18 | 2.55 | 0 | 0 | 0 | 0 | 0 | 0 | 4.36 | 2.67 |
| EV/Net Sales(x) | 1.66 | 1.66 | 1.22 | 1.4 | 1.37 | 1.61 | 1.78 | 1.18 | 1.34 | 1.19 | 2 |
| EV/Core EBITDA(x) | 7.15 | 7.47 | 7.04 | 9.69 | 5.52 | 8.54 | 8.91 | 4.34 | 5.3 | 4.55 | 7.18 |
| Interest Earned Growth(%) | 12.18 | 18.79 | 14.58 | -3.64 | -5.96 | -3.21 | 7.03 | 3.87 | -4.08 | -6.3 | 25.21 |
| Net Profit Growth | 2.49 | -0.31 | -36.02 | -462.34 | 74.84 | -281.04 | 9.48 | 46.71 | 175.06 | 54.91 | 13.97 |
| Advances Growth | 16.39 | 28.22 | 8.51 | -10.65 | 1.94 | -6.8 | -0.09 | 8.07 | -0.8 | 15.05 | 15.53 |
| EPS Growth(%) | -0.35 | -1.73 | -34.9 | -350.98 | 81.66 | -145.38 | 42.5 | 52.66 | 168.26 | 33.91 | 9.89 |
| Loans/Deposits(x) | 9.23 | 10.12 | 7.5 | 9.91 | 7.28 | 8.34 | 8.47 | 7.13 | 5.16 | 4.26 | 9.67 |
| Cash/Deposits(x) | 0.06 | 0.04 | 0.05 | 0.07 | 0.05 | 0.06 | 0.06 | 0.05 | 0.1 | 0.06 | 0.07 |
| Current Ratio(x) | 0.25 | 0.24 | 0.23 | 0.24 | 0.24 | 0.27 | 0.29 | 0.29 | 0.3 | 0.29 | 0.31 |
| Quick Ratio(x) | 9.23 | 10.12 | 7.5 | 9.91 | 7.28 | 8.34 | 8.47 | 7.13 | 5.16 | 4.26 | 9.67 |
| CASA % | 25.62 | 22.92 | 22.25 | 25.79 | 31.83 | 34 | 35.84 | 36.45 | 36.63 | 39.99 | 38.33 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 81.41 | 81.41 | 81.41 | 81.41 | 81.41 | 81.41 | 81.41 | 81.41 | 73.38 | 73.38 |
| FII | 0.78 | 0.72 | 0.75 | 1.12 | 2.07 | 2.67 | 2.25 | 2.91 | 4.31 | 4.52 |
| DII | 11.25 | 11.06 | 11.13 | 10.83 | 10.72 | 10.35 | 9.9 | 9.56 | 14.65 | 15.82 |
| Public | 6.55 | 6.8 | 6.7 | 6.63 | 5.8 | 5.56 | 6.44 | 6.12 | 7.66 | 6.28 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 334.09 | 334.09 | 334.09 | 334.09 | 334.09 | 334.09 | 334.09 | 334.09 | 334.09 | 334.09 |
| FII | 3.19 | 2.96 | 3.1 | 4.59 | 8.5 | 10.95 | 9.23 | 11.95 | 19.61 | 20.58 |
| DII | 46.18 | 45.4 | 45.68 | 44.46 | 43.97 | 42.49 | 40.62 | 39.23 | 66.71 | 72.02 |
| Public | 26.89 | 27.91 | 27.49 | 27.22 | 23.8 | 22.83 | 26.42 | 25.09 | 34.87 | 28.58 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 410.36 | 410.36 | 410.36 | 410.36 | 410.36 | 410.36 | 410.36 | 410.36 | 455.27 | 455.27 |
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| Companies | Open Date | Close Date | Issue Price | Cost of 1 Lot | GMP | Expected Listing | Listing Gain(%) | Listing Price | Current Price | Type | Exchange |
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