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Fincash » Search » Bank of India

Bank of India

Updated on July 7, 2020

Stock/Share Code - BANKINDIA

Bank of India is an India-based bank. The Bank's segments include Treasury Operations, Wholesale Banking and Retail Banking(Source : Company Web-Site)

Below is the details of BANKINDIA Bank of India

Market Cap₹10,306 Cr.
Current Price ₹48.25 as on 13 Jul 20
52 Week High / Low Price₹98.5 / ₹30.4
Face Value₹10
Stock P/E11.90
Book Value₹127.2
Dividend Yield0.00 %
ROCE2.98 %
ROE-15.48 %
Sales Growth (3yrs)-0.83 %
SectorBanks
IndustryBanks - Public Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 0.25 times its book value
Cons: Company has low interest coverage ratio. The company has delivered a poor growth of 1.46% over past five years. Company has a low return on equity of -13.28% for last 3 years. Contingent liabilities of Rs.339809.61 Cr. Company might be capitalizing the interest cost

Bank of India Price Chart

Bank of India Price Chart

Bank of India Peer Comparison in Banks

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. St Bk of India ₹286.55 11.82 ₹143,953.98 Cr. 0.00 ₹6,531.95 Cr. 38.71 9.42 71025.52 4.66
2. Punjab Natl.Bank ₹34.55 ₹25,164.19 Cr. 0.00 -₹384.96 Cr. -187.90 4.38 13834.95 2.52
3. Bank of Baroda ₹50.55 ₹17,997.11 Cr. 0.00 -₹1,219.04 Cr. -284.47 45.83 19990.52 4.53
4. Union Bank (I) ₹31.55 ₹15,139.91 Cr. 0.00 ₹554.36 Cr. 202.98 13.13 9687.88 4.12
5. Canara Bank ₹103.4 16.64 ₹12,180.34 Cr. 0.00 ₹397.65 Cr. 3.40 -0.16 12493.62 4.73
6. I O B ₹14.85 ₹11,999 Cr. 0.00 -₹6,075.49 Cr. -1655.82 -4.19 4351.90 2.64
7. UCO Bank ₹13.75 ₹10,860.58 Cr. 0.00 -₹960.17 Cr. 3.86 12.99 3770.74 2.69
8. Bank of India 11.90 ₹10,305.92 Cr. 0.00 ₹105.52 Cr. 102.23 6.53 10834.92 2.98

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Bank of India Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019
Revenue10,5829,4969,8949,3359,34710,0139,77010,17110,81410,33210,65810,835
Interest7,1136,9636,9866,8346,7836,6596,8436,8396,7706,8476,7986,717
Expenses -6,8314,0104,3357,0889,4414,6675,65311,5915,1184,3214,7806,502
Employee Cost %13.18%9.71%12.83%12.67%16.37%10.88%14.23%14.82%18.81%13.62%15.07%13.42%
Financing Profit-3,363-1,477-1,427-4,587-6,877-1,313-2,727-8,259-1,074-835-920-2,383
Financing Margin %-32%-16%-14%-49%-74%-13%-28%-81%-10%-8%-9%-22%
Other Income1,7541,6111,7061,0411,3756181,0301,5311,4791,1951,3272,503
Depreciation000000000000
Profit before tax-1,609134280-3,545-5,502-695-1,696-6,728406359408120
Tax %35%35%36%34%28%114%32%30%38%32%35%12%
Net Profit-1,04688179-2,341-3,96995-1,156-4,738252243266106
EPS in Rs-9.910.831.57-19.76-32.650.55-6.63-27.181.130.770.810.32
Gross NPA %13.22%13.05%12.62%16.93%16.58%16.66%16.36%16.31%15.84%16.50%16.31%16.30%
Net NPA %6.90%6.70%6.47%10.29%8.26%8.45%7.64%5.87%5.61%5.79%5.87%5.97%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue12,35516,34717,87821,75228,48131,90937,91043,43041,79639,29138,07140,76842,639
Interest8,12610,84812,12213,94120,16722,88527,08032,08630,07227,46527,56527,11027,131
Expenses -3,5884,3175,7776,8177,8909,59811,34913,49622,88220,98324,35427,13620,721
Manufacturing Cost %0%0%0%0%0%0%0%0%0%0%0%0%
Employee Cost %13%12%13%16%11%10%11%11%13%14%13%15%
Other Cost %15%14%19%15%17%20%19%19%42%40%51%52%
Financing Profit6411,182-22994423-574-519-2,152-11,157-9,157-13,847-13,479-5,212
Financing Margin %5%7%-0%5%1%-2%-1%-5%-27%-23%-36%-33%-12%
Other Income2,1173,0522,6172,6423,3213,7664,2924,2333,6536,7725,7345,1326,505
Depreciation7369101141167184228285286-125203670
Profit before tax2,6854,1642,4943,4953,5783,0083,5451,795-7,791-2,373-8,633-8,7131,292
Tax %25%28%30%29%25%9%23%5%22%34%30%36%
Net Profit2,0093,0071,7412,4892,6782,7492,7291,709-6,089-1,558-6,044-5,547866
EPS in Rs37.5355.8431.9644.3645.4944.4042.4525.670.000.000.000.003.03
Dividend Payout %10%14%21%15%15%22%12%19%-0%-0%-0%-0%

Compounded Sales Growth

  • 10 Years:: 9.57%
  • 5 Years:: 1.46%
  • 3 Years:: -0.83%
  • TTM:: 8.50%

Compounded Profit Growth

  • 3 Years:: 0.61%
  • TTM:: 108.87%

Return on Equity

  • 10 Years:: -21.05%
  • 5 Years:: -30.19%
  • 3 Years:: -40.03%
  • 1 Year:: -66.77%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Share Capital -5265265265475755976436668171,0551,7442,760
Equity Capital5265265265475755976436668171,0551,7442,760
Reserves10,06312,96913,70416,74320,38723,32229,28030,78130,19629,71033,79738,921
Borrowings157,184205,382252,162320,907350,330417,207525,402571,964564,088579,438564,443565,104
Other Liabilities -11,0566,6258,55912,96313,23511,39817,73915,15714,81316,1069,59118,435
Other liability items11,0566,6258,55912,96313,23511,39817,73915,15714,81316,1069,59118,435
Total Liabilities178,830225,502274,951351,161384,527452,523573,064618,568609,914626,309609,575625,220
Fixed Assets -2,3992,4212,2872,3662,7232,7795,6445,7738,2908,2658,1078,720
Gross Block3,4483,5783,7914,0204,6284,9188,1818,76511,99210,51810,88911,541
Accumulated Depreciation1,0491,1571,5041,6541,9052,1392,5382,9923,7022,2532,7822,821
CWIP27110651154991143113191197158200
Investments41,80352,60767,08085,87286,75494,613114,152119,792118,849127,827137,111147,639
Other Assets -134,601170,362205,519262,807295,001355,040453,125492,890482,585490,020464,198468,661
Cash Equivalents17,71721,76131,23037,31034,71154,83661,38276,40499,14195,88895,88394,811
Loans n Advances3,4386,1225,81412,41311,46610,91621,13614,59126,10129,79528,78734,798
Other asset items113,446142,479168,475213,084248,824289,288370,607401,896357,342364,338339,529339,052
Total Assets178,830225,502274,951351,161384,527452,523573,064618,568609,914626,309609,575625,220

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity --5654,0188,4405,947-2,03020,7576,42414,53322,025-7,478-6,423-9,192
Profit from operations4,4166,1525,5636,3597,7448,5469,7309,0157,72410,4009,0129,352
Loans Advances-29,058-30,056-27,336-45,660-37,762-44,261-85,362-36,51928,735-18,96510,006-15,395
Operating investments-6,533-11,345-14,880-18,855-1,376-8,088-19,731-5,521375-9,563-10,868-11,918
Operating borrowings5522,3154,592-1,2189,8873,14111,322-10,0988,638-14,1344,8907,052
Deposits30,13039,69640,05369,12419,33063,62495,13454,933-18,90227,027-19,1788
Direct taxes-849-1,898-1,103-1,133-1,316-1,739-250-1,114-3061,158-1,498-3,386
Other operating items777-8451,550-2,6711,462-466-4,4193,838-4,239-3,4011,2135,096
Cash from Investing Activity --183-360-225-557-597-301-624-807-427265-499151
Fixed assets purchased-101-244-211-397-617-373-618-1,717-471-516-338-287
Fixed assets sold6168187636341,1454122686420
Investments purchased-94-143-41000000000
Dividends received61019263945464717341218
Invest in subsidiaries000-204-950000000
Investment in group cos00000-10-85-282-150-2590
Shares acq cancelled00000000052100
Cash from Financing Activity -1,0603861,25469029-3317451,2954,8643,9596,9177,970
Proceeds from shares1,360001,0101,0378091,0006422,7592,64210,95410,747
Proceeds from debentures000001131,7381,7280000
Interest paid fin-401-424-573-731-770-787-920-1,075-1,187-1,558-1,608-1,015
Dividends paid-86-430-307-429-444-466-1,0730-400000
Share application money000000001,304418-1,7224,638
Other financing items1871,2402,1348392060002,3882,457-707-6,400
Net Cash Flow3124,0449,4696,080-2,59920,1256,54615,02126,461-3,253-5-1,071

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %24%25%13%16%14%12%10%6%-20%-5%-18%-15%

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.