Bank Of India

NSE: BANKINDIA BSE: 532149 SECTOR: Bank - Public  75k   433   92

82.30
-1.45 (-1.73%)
NSE: Today, 03:59 PM

Price Summary

Today's High

₹ 85

Today's Low

₹ 81.8

52 Week High

₹ 85.5

52 Week Low

₹ 40.4

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

33772.35 Cr.

CASA %

40.08

No. of Shares

410.36 Cr.

P/E

10.7

P/B

0.68

Face Value

₹ 10

Div. Yield

2.43 %

Book Value (TTM)

₹  120.31

Net Interest Income

14062.1 Cr.

Cost To Income %

54.48

Promoter Holding

81.41 %

EPS (TTM)

₹  7.69

CAR %

17.04

ROE

7.77 %

ROCE

8.53%

Profit Growth

57.6 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 23 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year7.77%
3 Year1.76%
5 Year-6.73%

ROA%

1 Year0.47%
3 Year0.11%
5 Year-0.31%

Net NPA%

1 Year2.34%
3 Year3.19%
5 Year4.69%

 NIM

1 Year2.05%
3 Year2.21%
5 Year2.16%

CAR %

17.04

Cost of Liabilities %

3.66814277312955

PEG Ratio

0.41

Advances Growth %

15.0826632088533

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2022 81.41 0
Jun 2022 81.41 0
Mar 2022 81.41 0
Dec 2021 81.41 0
Sep 2021 81.41 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 40.0805290196046% of total deposits.
  • Good Capital Adequacy Ratio of 17.04%.
  • The company has delivered good Profit growth of 37.7497651669361% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.105824454947909%
  • Company has a low ROE of 1.75813558502184% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 3.19%.
  • High Cost to income ratio of 54.4754911242209%.
  • The company has delivered poor Income growth of -2.25135527516335% over the past 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
Interest Earned 9522.31 9375.92 9856.28 9972.64 11497.4
Other Income 2136.28 1835.22 1587.18 1151.72 1417.32
Interest Expended 5998.83 5968.02 5870.18 5900.21 6413.8
Operating Expenses 2982.16 3147.38 3107.62 3041.34 3126.74
Total Provisions 893.8 334.93 1540.61 1321.74 1912.06
Profit Before Tax 1783.8 1760.81 925.05 861.07 1462.12
Tax 732.82 733.36 318.78 299.58 502.12
Net Profit 1050.98 1027.45 606.27 561.49 960
Net NPA % 2.79 2.66 2.34 2.21 1.92
Gross NPA % 12 10.46 9.98 9.3 8.51
Return on Assets % 0.53 0.51 0.3 0.29 0.47
NPM % 11.04 10.96 6.15 5.63 8.35

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Interest Earned 38071.41 40767.81 42353.27 40599.44 38075.83
Other Income 5733.76 4658.89 6713.07 6841.87 7878.73
Interest Expended 27565.07 27110.14 27096.29 26329.6 24013.73
Operating Expenses 9101.17 10224.35 10451.4 10839.11 11952.37
Total Provisions 15772.42 16805.62 16121.38 7035.89 4421.71
Profit Before Tax -8633.5 -8713.41 -4602.73 3236.71 5566.75
Taxes -2589.79 -3166.51 -1645.84 1076.41 2162.05
Net Profit -6043.71 -5546.9 -2956.89 2160.3 3404.7
Adjusted EPS (Rs.) -34.67 -20.1 -9.02 6.59 8.3

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 1743.72 2760.03 3277.66 3277.66 4104.31
Total Reserves 33796.93 38921.13 40538.65 42407.93 51026.93
Deposits 520854.38 520862.35 555504.98 627113.56 627895.96
Borrowings 43588.78 44241.17 39752.47 32464.11 26760.37
Other Liabilities 9591.03 13800.17 17921.72 17593.19 24826.45
Total Liabilities 609574.83 625222.84 656995.48 725856.45 734614.01
Assets
Balance with RBI 31347.84 29236.56 29239.25 60697.57 40280.58
Balance with Banks 64534.66 65574.92 57217.05 65883.1 51277.06
Investments 137111.11 147639.04 158572.99 187252.85 174448.41
Advances 341380.19 341005.94 368883.3 365686.52 420841.79
Net Block 8265.29 8720.21 8690.37 8550.27 9489.56
Other Assets 26935.73 32846.34 34100.88 37422.28 37991.22
Total Assets 609574.83 625222.84 656995.48 725856.45 734614.01
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2021% Dec 2021% Mar 2022% Jun 2022% Sep 2022%
Promoters 81.41 81.41 81.41 81.41 81.41
president of india 81.41 81.41 81.41 81.41 -
government of india - - - - 75.12
PARTICULARS Sep 2021% Dec 2021% Mar 2022% Jun 2022% Sep 2022%
Investors 18.59 18.59 18.59 18.59 18.59
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Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Bank Of India informs about newspaper publication 17 Nov 2022, 4:59PM Bank of India gets nod to raise Rs 2,500 crore via bonds 7 Nov 2022, 12:08PM Bank of India reports 20% fall in Q2 consolidated net profit3 Nov 2022, 5:20PM Bank Of India - Quaterly Results3 Nov 2022, 1:19PM Bank Of India - Quaterly Results3 Nov 2022, 1:19PM Bank Of India - Quaterly Results3 Nov 2022, 1:19PM Bank of India planning to raise up to Rs 2,500 crore via bonds 28 Oct 2022, 4:38PM Bank Of India informs about board meeting28 Oct 2022, 3:38PM Bank Of India informs about loss of share certificate28 Oct 2022, 12:13PM Bank Of India informs about board meeting 19 Oct 2022, 3:40PM Bank Of India informs about credit rating6 Oct 2022, 5:00PM Bank of India acquires over 5.5% stake in Open Network for Digital Commerce28 Sep 2022, 10:10AM Bank Of India informs about loss of share certificate14 Sep 2022, 4:51PM Bank of India signs MoU with IREDA23 Aug 2022, 10:10AM Bank of India eyeing 10-12% growth in advances in FY23 16 Aug 2022, 2:45PM Bank Of India informs about earnings conference call3 Aug 2022, 4:46PM Bank Of India - Quaterly Results2 Aug 2022, 1:19PM Bank Of India - Quaterly Results2 Aug 2022, 1:19PM Bank Of India - Quaterly Results2 Aug 2022, 1:19PM Bank Of India informs about disclosure1 Aug 2022, 11:53AM Bank Of India informs about conference call28 Jul 2022, 12:41PM Bank of India gets shareholders’ nod to raise up to Rs 2,500 crore18 Jul 2022, 12:58PM Bank of India informs about loss of share certificates13 Jul 2022, 5:00PM RBI imposes penalty of Rs 70 lakh on Bank of India9 Jul 2022, 10:44AM Bank of India informs about disclosure5 Jul 2022, 5:09PM Bank Of India informs about loss of share certificates24 Jun 2022, 4:42PM Bank of India to raise fresh equity capital up to Rs 2,500 crore21 Jun 2022, 10:22AM Bank Of India informs about board meeting proceedings24 May 2022, 4:31PM Bank of India reports over 8-fold jump in Q4 consolidated net profit 24 May 2022, 4:15PM Bank Of India - Quaterly Results24 May 2022, 12:29PM Bank Of India - Quaterly Results24 May 2022, 12:29PM Bank Of India - Quaterly Results24 May 2022, 12:29PM Bank of India gets nod to raise Rs 2,500 crore26 Apr 2022, 9:19AM Bank Of India informs about certificate22 Apr 2022, 1:16PM Bank of India planning to raise funds worth Rs 2500 crore20 Apr 2022, 3:06PM Bank Of India informs about change in composition of board of directors12 Apr 2022, 4:53PM Bank of India informs about certificate5 Apr 2022, 4:18PM Bank Of India informs about closure of trading window28 Mar 2022, 5:03PM Bank of India invests nearly Rs 109 crore in NARCL22 Mar 2022, 10:29AM Bank Of India informs about loss of share certificates19 Mar 2022, 4:19PM Bank of India refers over 3 lakh cases to National Lok Adalat16 Mar 2022, 11:49AM Bank Of India informs about disclosure8 Mar 2022, 2:34PM Bank of India planning to put in place mobile-based lending platform to grow RAM portfolio: Report8 Mar 2022, 11:51AM Bank of India reports 63% rise in Q3 consolidated net profit4 Feb 2022, 3:45PM Bank Of India - Quaterly Results4 Feb 2022, 12:56PM Bank Of India - Quaterly Results4 Feb 2022, 12:56PM Bank Of India - Quaterly Results4 Feb 2022, 12:56PM Bank Of India informs about board meeting28 Jan 2022, 4:48PM Bank Of India informs about loss of share certificates7 Jan 2022, 4:49PM Bank Of India informs about compliances certificate3 Jan 2022, 4:57PM

Bank Of India Stock Price Analysis and Quick Research Report. Is Bank Of India an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Bank Of India is performing and if it is the right time to buy the stock of Bank Of India with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Bank Of India has earned Rs 38075.8259 Cr. revenue in the latest financial year. It has posted Poor revenue growth of -2.25135527516335 % in last 3 Years.

  • In terms of advances, the bank reported 15.0826632088533 % YOY,  rise . If you see 3 years advance growth, it stands at 7.26358387374948 %.

  • Currently the company has a CASA ratio of 40.0805290196046 %. It’s overall cost of liability stands at 3.66814277312955 %. Also, the total deposits from these accounts stood at Rs 627895.9591 Cr.

  • The Bank has a Poor ROA track record. The ROA of Bank Of India is at 0.466246445668691 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 9.98 % and 2.34 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -37.1549112649068 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Bank Of India surged and is currently at Rs 7878.7317 Cr.

  • The company has a Good Capital Adequacy Ratio of 17.04 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Bank Of India is trading at a P/B of 0.6837 . The historical average PB was 0.529954174647547.

Brief about Bank Of India

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