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Fincash » Search » Bank of India

Bank of India

Updated on June 13, 2019

Stock/Share Code - BANKINDIA

Bank of India is an India-based bank. The Bank's segments include Treasury Operations, Wholesale Banking and Retail Banking.

Below is the details of BANKINDIA Bank of India

Market Cap₹31,016 Cr.
Current Price ₹82.65 as on 19 Jun 19
52 Week High / Low Price₹110.15 / ₹73.2
Face Value₹10
Stock P/E
Book Value₹108.46
Dividend Yield0.00 %
ROCE3.12 %
ROE-18.39 %
Sales Growth (3yrs)-4.29 %
SectorBanks
IndustryBanks - Public Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 0.87 times its book value Promoter's stake has increased
Cons: Company has low interest coverage ratio. The company has delivered a poor growth of 3.59% over past five years. Company has a low return on equity of -14.43% for last 3 years. Contingent liabilities of Rs.374756.65 Cr. Company might be capitalizing the interest cost Earnings include an other income of Rs.5132.00 Cr.

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 148.40 ₹314,592.56 Cr. 0.00 ₹1,244.47 Cr. 116.50 13.01 65784.53 4.15
2. Bank of Baroda ₹115.8 105.06 ₹45,547.09 Cr. 0.00 -₹991.37 Cr. 68.04 20.61 13314.18 3.69
3. Punjab Natl.Bank ₹75.4 ₹37,131.64 Cr. 0.00 -₹4,749.64 Cr. 64.60 12.75 12835.72 1.86
4. Bank of India ₹31,016.08 Cr. 0.00 ₹251.79 Cr. 106.34 15.70 10814.12 3.12
5. Canara Bank ₹257.55 58.13 ₹20,171.9 Cr. 0.00 -₹551.53 Cr. 88.65 18.73 12138.48 3.86
6. Allahabad Bank ₹39.65 ₹16,729.12 Cr. 0.00 -₹3,834.07 Cr. -9.24 6.89 4036.99 2.12
7. Corporation Bank ₹22.6 ₹15,045.4 Cr. 0.00 -₹6,581.49 Cr. -258.00 -13.11 3643.37 3.83

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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

Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019
Revenue9,4269,4589,82510,5829,4969,8949,3359,34710,0139,77010,17110,814
Interest6,6516,7396,9627,1136,9636,9866,8346,7836,6596,8436,8396,770
Expenses5,1304,5344,4766,8314,0104,3357,0889,4414,8795,65311,7295,242
Employee Cost %13.67%14.75%13.42%13.18%9.71%12.83%12.67%16.37%10.88%14.23%14.82%18.81%
Financing Profit-2,355-1,814-1,613-3,363-1,477-1,427-4,587-6,877-1,525-2,727-8,396-1,197
Financing Margin %-25%-19%-16%-32%-16%-14%-49%-74%-15%-28%-83%-11%
Other Income1,2382,0111,7691,7541,6111,7061,0411,3758301,0301,6691,603
Depreciation000000000000
Profit before tax-1,116197156-1,609134280-3,545-5,502-695-1,696-6,728406
Tax %34%35%35%35%35%36%34%28%114%32%30%38%
Net Profit-741127102-1,04688179-2,341-3,96995-1,156-4,738252
Gross NPA %13.38%13.45%13.38%13.22%13.05%12.62%16.93%16.58%16.66%16.36%16.31%15.84%
Net NPA %7.78%7.56%7.09%6.90%6.70%6.47%10.29%8.26%8.45%7.64%5.87%5.61%
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 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018TTM
Revenue8,93612,35516,34717,87821,75228,48131,90937,91043,43041,79639,29138,07140,768
Interest5,4968,12610,84812,12213,94120,16722,88527,08032,08630,07227,46527,56527,110
Expenses3,3743,5884,3175,7776,8177,8909,59811,34913,49622,88220,98324,35427,503
Manufacturing Cost %0.34%0.26%0.24%0.24%0.21%0.16%0.19%0.17%0.14%0.15%0.16%0.17%%
Employee Cost %18.06%13.41%11.85%12.84%15.98%10.78%9.81%10.53%11.48%12.82%13.74%12.88%%
Other Cost %19.35%15.37%14.31%19.23%15.15%16.77%20.08%19.24%19.45%41.78%39.51%50.92%%
Financing Profit676411,182-22994423-574-519-2,152-11,157-9,157-13,847-13,845
Financing Margin %1%5%7%-0%5%1%-2%-1%-5%-27%-23%-36%-34%
Other Income1,5632,1173,0522,6172,6423,3213,7664,2924,2333,6536,7725,7345,132
Depreciation977369101141167184228285286-125200
Profit before tax1,5332,6854,1642,4943,4953,5783,0083,5451,795-7,791-2,373-8,633-8,713
Tax %27%25%28%30%29%25%9%23%5%22%34%30%
Net Profit1,1232,0093,0071,7412,4892,6782,7492,7291,709-6,089-1,558-6,044-5,547
EPS in Rs22.4837.5355.8431.9644.3645.4944.4042.4525.670.000.000.00
Dividend Payout %15%10%14%21%15%15%22%12%19%-0%-0%-0%

Compounded Sales Growth

  • 10 Years:: 11.91%
  • 5 Years:: 3.59%
  • 3 Years:: -4.29%
  • TTM:: 7.08%

Compounded Profit Growth

  • TTM:: -8.22%

Return on Equity

  • 10 Years:: 1.42%
  • 5 Years:: -6.09%
  • 3 Years:: -14.43%
  • Last Year:: -18.39%

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 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Share Capital4885265265265475755976436668171,0551,744
Equity Capital488.14525.91525.91525.91547.22574.52596.64643665.65817.291055.431743.72
Reserves5,40710,06312,96913,70416,74320,38723,32229,28030,78130,19629,71033,797
Borrowings126,503157,184205,382252,162320,907350,330417,207525,402571,964564,088579,438564,443
Other Liabilities9,44911,0877,0558,57512,97513,24311,47717,86615,28716,66018,25011,443
Total Liabilities141,847178,861225,932274,966351,173384,535452,603573,190618,698611,761628,453611,426
Fixed Assets7782,3992,4212,2872,3662,7232,7795,6445,7738,2908,2658,107
Gross Block1733.53448.443578.233790.814020.124628.214918.078181.468765.2811991.710518.0910888.74
Accumulated Depreciation955.611049.291156.751504.071654.191905.262139.142537.962992.363701.932252.772781.51
CWIP1127110651154991143113191197158
Investments35,49341,80352,60767,08085,87286,75494,613114,152119,792118,849127,827137,111
Other Assets105,565134,632170,793205,534262,819295,010355,119453,252493,020484,432492,164466,050
Cash Equivalents17405.5417717.3921761.2631230.1337309.9934711.2554835.8661382.2976403.799141.395887.9595882.51
Loans n Advances3043.523437.966121.95813.6312413.2211465.710915.821135.8714590.9326101.3529794.8428787.34
Total Assets141,847178,861225,932274,966351,173384,535452,603573,190618,698611,761628,453611,426

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 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Cash from Operating Activity5,112-5654,0188,4405,947-2,03020,7576,42414,53322,025-7,478-6,423
Profit from operations2988.594415.886152.075562.616359.387744.498545.799730.029015.257724.0910399.889011.68
Working Capital Changes2097.81-4132.07-235.353980.32720.3-8458.9113949.79-3055.496631.4614606.87-19035.04-13936.51
Taxes paid25.57-848.83-1898.33-1103.12-1132.88-1315.91-1738.56-250.03-1113.5-306.441157.58-1498.21
Cash from Investing Activity-68-183-360-225-557-597-301-624-807-427265-499
Fixed Assets Purchased-92.58-101.22-244.13-210.88-396.93-616.95-372.6-618.39-1716.84-471.36-515.5-337.99
Fixed Assets Sold8.646.0916.088.0418.375.6836.0234.281144.7341.42225.7585.8
Investments purchased0-94.5-142.75-40.7300000000
Cash from Financing Activity9151,0603861,25469029-3317451,2954,8643,9596,917
Proceeds from Shares01359.810010101037.4580910006422759.122641.6510953.92
Interest Paid-269.22-401.11-424.22-573.24-730.99-770.21-786.74-920.31-1074.92-1187.33-1557.57-1608.42
Dividends Paid-277.88-85.53-430.1-307.21-428.65-444.29-465.98-1072.620-399.7200
Net Cash Flow5,9603124,0449,4696,080-2,59920,1256,54615,02126,461-3,253-5

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Ratios

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
ROE %20%24%25%13%16%14%12%10%6%-20%-5%-18%

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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.