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Bank of India

Updated on January 19, 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₹24,872 Cr.
Current Price ₹67.05 as on 10 Dec 19
52 Week High / Low Price₹110.15 / ₹57.45
Face Value₹10
Stock P/E
Book Value₹127.2
Dividend Yield0.00 %
ROCE2.98 %
ROE-15.48 %
Sales Growth (3yrs)-0.83 %
IndustryBanks - Public Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 0.60 times its book value Promoter's stake has increased
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 Earnings include an other income of Rs.5670.13 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 29.47 ₹305,087.85 Cr. 0.00 ₹3,375.4 Cr. 264.96 9.65 67356.24 4.66
2. Punjab Natl.Bank ₹59.65 ₹44,198.43 Cr. 0.00 ₹507.05 Cr. 111.19 7.83 13291.92 2.50
3. Bank of Baroda ₹95.6 27.26 ₹41,635.87 Cr. 0.00 ₹853.41 Cr. 41.36 57.62 20076.68 4.53
4. Bank of India ₹24,871.85 Cr. 0.00 ₹266.37 Cr. 123.04 9.09 10658.14 2.98
5. Union Bank (I) ₹53.95 ₹21,580.87 Cr. 0.00 -₹1,192.34 Cr. -1492.43 10.07 9468.46 4.12
6. Canara Bank ₹210.65 23.79 ₹17,109.96 Cr. 0.00 ₹442.86 Cr. 20.37 13.48 12500.37 4.73
7. UCO Bank ₹15.6 ₹15,306.35 Cr. 0.00 -₹891.98 Cr. 21.51 9.34 3804.64 2.69
8. Corporation Bank ₹23.75 ₹14,505.93 Cr. 0.00 ₹131.18 Cr. 26.50 0.97 4009.09 1.78

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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

Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019
Employee Cost %13.42%13.18%9.71%12.83%12.67%16.37%10.88%14.23%14.82%18.81%13.62%15.07%
Financing Profit-1,613-3,363-1,477-1,427-4,587-6,877-1,313-2,727-8,396-1,074-835-920
Financing Margin %-16%-32%-16%-14%-49%-74%-13%-28%-83%-10%-8%-9%
Other Income1,7691,7541,6111,7061,0411,3756181,0301,6691,4791,1951,327
Profit before tax156-1,609134280-3,545-5,502-695-1,696-6,728406359408
Tax %35%35%35%36%34%28%114%32%30%38%32%35%
Net Profit102-1,04688179-2,341-3,96995-1,156-4,738252243266
EPS in Rs0.96-9.910.831.57-19.76-32.650.55-6.63-
Gross NPA %13.38%13.22%13.05%12.62%16.93%16.58%16.66%16.36%16.31%15.84%16.50%16.31%
Net NPA %7.09%6.90%6.70%6.47%10.29%8.26%8.45%7.64%5.87%5.61%5.79%5.87%

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
Manufacturing Cost %0.26%0.24%0.24%0.21%0.16%0.19%0.17%0.14%0.15%0.16%0.17%0.15%%
Employee Cost %13.41%11.85%12.84%15.98%10.78%9.81%10.53%11.48%12.82%13.74%12.88%14.77%%
Other Cost %15.37%14.31%19.23%15.15%16.77%20.08%19.24%19.45%41.78%39.51%50.92%51.64%%
Financing Profit6411,182-22994423-574-519-2,152-11,157-9,157-13,847-13,479-11,225
Financing Margin %5%7%-0%5%1%-2%-1%-5%-27%-23%-36%-33%-27%
Other Income2,1173,0522,6172,6423,3213,7664,2924,2333,6536,7725,7345,1325,670
Profit before tax2,6854,1642,4943,4953,5783,0083,5451,795-7,791-2,373-8,633-8,713-5,555
Tax %25%28%30%29%25%9%23%5%22%34%30%36%
Net Profit2,0093,0071,7412,4892,6782,7492,7291,709-6,089-1,558-6,044-5,547-3,977
EPS in Rs37.5355.8431.9644.3645.4944.4042.4525.670.
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:: 9.13%

Compounded Profit Growth

  • 3 Years:: 0.61%
  • TTM:: 46.05%

Return on Equity

  • 10 Years:: -15.11%
  • 5 Years:: -23.60%
  • 3 Years:: -13.38%
  • 1 Year:: -10.55%

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 Capital5265265265475755976436668171,0551,7442,760
Equity Capital525.91525.91525.91547.22574.52596.64643665.65817.291055.431743.722760.03
Other Liabilities11,0877,0558,57512,97513,24311,47717,86615,28716,66018,25011,44220,389
Total Liabilities178,861225,932274,966351,173384,535452,603573,190618,698611,761628,453611,426627,174
Fixed Assets2,3992,4212,2872,3662,7232,7795,6445,7738,2908,2658,1078,720
Gross Block3448.443578.233790.814020.124628.214918.078181.468765.2811991.710518.0910888.7411541.45
Accumulated Depreciation1049.291156.751504.071654.191905.262139.142537.962992.363701.932252.772781.512821.24
Other Assets134,632170,793205,534262,819295,010355,119453,252493,020484,432492,164466,050470,615
Cash Equivalents17717.3921761.2631230.1337309.9934711.2554835.8661382.2976403.799141.395887.9595882.5194811.49
Loans n Advances3437.966121.95813.6312413.2211465.710915.821135.8714590.9326101.3529794.8428787.1734797.59
Other Assets etc113476.33142909.37168490.71213096.18248833.34289367.5370733.54402025.55359188.96366481.67341380.18341005.93
Total Assets178,861225,932274,966351,173384,535452,603573,190618,698611,761628,453611,426627,174

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 operations4415.886152.075562.616359.387744.498545.799730.029015.257724.0910399.889011.689352.14
Working Capital Changes-4132.07-235.353980.32720.3-8458.9113949.79-3055.496631.4614606.87-19035.04-13936.51-15157.52
Taxes paid-848.83-1898.33-1103.12-1132.88-1315.91-1738.56-250.03-1113.5-306.441157.58-1498.21-3386.16
Cash from Investing Activity-183-360-225-557-597-301-624-807-427265-499151
Fixed Assets Purchased-101.22-244.13-210.88-396.93-616.95-372.6-618.39-1716.84-471.36-515.5-337.99-286.59
Fixed Assets Sold6.0916.088.0418.375.6836.0234.281144.7341.42225.7585.8419.57
Investments purchased-94.5-142.75-40.73000000000
Cash from Financing Activity1,0603861,25469029-3317451,2954,8643,9596,9177,970
Proceeds from Shares1359.810010101037.4580910006422759.122641.6510953.9210746.8
Interest Paid-401.11-424.22-573.24-730.99-770.21-786.74-920.31-1074.92-1187.33-1557.57-1608.42-1015.11
Dividends Paid-85.53-430.1-307.21-428.65-444.29-465.98-1072.620-399.72000
Net Cash Flow3124,0449,4696,080-2,59920,1256,54615,02126,461-3,253-5-1,071

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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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