Nifty
Sensex
:
:
12130.15
41313.96
4.25(0.04%)
-9.04(-0.02%)

Bank - Public

Rating :
38/99   (View)

BSE: 532149 | NSE: BANKINDIA

60.00
-0.35 (-0.58%)
20-Feb-2020 | 9:19AM
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  • 60.30
  • 60.40
  • 60.00
  • 60.35
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  28762
  •  17.26
  •  108.15
  •  57.45

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 19,776.23
  • 25.78
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 34,719.33
  • N/A
  • 0.47

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 89.10%
  • 0.31%
  • 4.01%
  • FII
  • DII
  • Others
  • 0.44%
  • 5.43%
  • 0.71%

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 9.02
  • 3.72
  • 4.92

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 60.40
  • 41.94
  • 8.65

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • 52.69

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.48
  • 0.48
  • 0.48

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 6.08
  • 5.48
  • 4.02

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated
Description
Dec 19
Dec 18
Var%
Sep 19
Sep 18
Var%
Jun 19
Jun 18
Var%
Mar 19
Mar 18
Var%
Interest Earned
10,898.19
0.00
0.00
10,715.29
0.00
0.00
10,392.21
0.00
0.00
10,870.30
0.00
0.00
Interest Exp.
6,744.11
0.00
0.00
6,817.84
0.00
0.00
6,871.62
0.00
0.00
6,791.37
0.00
0.00
Net Interest Income
4,154.08
0.00
0.00
3,897.45
0.00
0.00
3,520.59
0.00
0.00
4,078.93
0.00
0.00
NIM
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Income
2,532.34
0.00
0.00
1,347.26
0.00
0.00
1,221.00
0.00
0.00
1,516.95
0.00
0.00
Total Income
13,430.53
0.00
0.00
12,062.55
0.00
0.00
11,613.21
0.00
0.00
12,387.25
0.00
0.00
Operating Exp.
2,528.09
0.00
0.00
2,763.14
0.00
0.00
2,455.34
0.00
0.00
3,260.74
0.00
0.00
Operating Profit
4,158.33
0.00
0.00
2,481.57
0.00
0.00
2,286.25
0.00
0.00
2,335.14
0.00
0.00
Provision
4,028.03
0.00
0.00
2,060.00
0.00
0.00
1,922.72
0.00
0.00
1,914.13
0.00
0.00
PBT
130.30
0.00
0.00
421.57
0.00
0.00
363.53
0.00
0.00
421.01
0.00
0.00
PBTM
1.20
0.00
0.00
3.93
0.00
0.00
3.50
0.00
0.00
3.87
0.00
0.00
TAX
14.66
0.00
0.00
143.16
0.00
0.00
117.73
0.00
0.00
156.33
0.00
0.00
PAT
115.64
0.00
0.00
278.41
0.00
0.00
245.80
0.00
0.00
264.68
0.00
0.00
PATM
1.06%
0.00%
2.60%
0.00%
2.37%
0.00%
2.43%
0.00%
EPS
0.42
0.00
0.00
0.79
0.00
0.00
0.47
0.00
0.00
0.79
0.00
0.00
Gross NPA
0.00
0.00
0.00
0.00
0.00
0.00
62,147.40
0.00
0.00
60,739.57
0.00
0.00
Gross NPA%
0.00
0.00
0.00
0.00
0.00
0.00
16.44
0.00
0.00
15.78
0.00
0.00
Net NPA
0.00
0.00
0.00
0.00
0.00
0.00
19,339.30
0.00
0.00
19,169.72
0.00
0.00
Net NPA%
0.00
0.00
0.00
0.00
0.00
0.00
5.78
0.00
0.00
5.59
0.00
0.00
CASA
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Net Interest Income
15,651.05
13,797.70
10,633.97
11,979.48
11,847.52
11,464.82
10,955.42
9,135.42
8,394.65
7,877.50
5,832.98
Interest Earned
42,875.99
41,004.82
38,312.80
39,585.23
42,092.84
43,684.87
38,125.19
32,095.83
28,610.95
21,858.43
17,996.25
Interest Expended
27,224.94
27,207.12
27,678.83
27,605.75
30,245.32
32,220.05
27,169.77
22,960.41
20,216.30
13,980.93
12,163.27
Int. income Growth
0.00%
29.75%
-11.23%
1.11%
3.34%
4.65%
19.92%
8.82%
6.56%
35.05%
 
Other Income
6,617.55
5,264.03
5,845.89
6,819.45
3,671.61
4,278.08
4,319.00
3,784.60
3,319.24
2,641.83
2,600.66
Total Income
49,493.54
19,061.73
16,479.86
18,798.93
15,519.13
15,742.90
15,274.42
12,920.02
11,713.89
10,519.33
8,433.64
Total Expenditure
11,007.31
27,347.31
24,618.06
21,218.32
23,286.78
13,600.07
11,473.38
9,713.97
7,953.09
-9,004.44
-7,151.88
Employee Cost
-
6,081.82
4,963.17
5,449.06
5,403.59
5,031.30
4,036.59
3,179.17
3,089.51
3,492.01
2,308.75
% Of Sales
-
14.83%
12.95%
13.77%
12.84%
11.52%
10.59%
9.91%
10.80%
15.98%
12.83%
Opt. & Establishment Exp.
-
5,158.06
4,823.70
3,518.66
4,311.38
3,453.19
3,021.89
2,465.78
2,095.90
-14,100.02
-11,453.58
% Of Sales
-
12.58%
12.59%
8.89%
10.24%
7.90%
7.93%
7.68%
7.33%
-64.51%
-63.64%
Provisions
-
16,853.11
15,874.55
12,236.14
14,151.73
5,697.74
4,882.70
4,447.16
3,117.78
1,893.29
2,212.87
% Of Sales
-
41.10%
41.43%
30.91%
33.62%
13.04%
12.81%
13.86%
10.90%
8.66%
12.30%
EBITDA
11,261.29
-8,285.58
-8,138.20
-2,419.39
-7,767.65
2,142.83
3,801.04
3,206.05
3,760.80
19,523.77
15,585.52
EBITDA Margin
74.33%
-60.05%
-76.53%
-20.20%
-65.56%
18.69%
34.70%
35.09%
44.80%
247.84%
267.20%
Depreciation
0.00
372.84
521.68
-7.23
289.96
291.08
233.90
189.07
175.05
144.86
109.96
PBT
1,336.41
-8,658.42
-8,659.88
-2,412.15
-8,057.60
1,851.75
3,567.14
3,016.98
3,585.75
3,504.68
2,502.11
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision for Tax
431.88
-3,161.00
-2,587.00
-818.41
-1,722.63
103.42
834.49
275.79
911.13
1,015.97
763.55
Tax Rate
32.32%
36.51%
29.87%
33.93%
21.38%
5.58%
23.39%
9.14%
25.41%
28.99%
30.52%
PAT
903.74
-5,497.90
-6,052.48
-1,572.32
-6,263.31
1,746.44
2,731.30
2,742.98
2,666.59
2,483.17
1,741.33
PAT before Minority Interest
904.53
-5,497.42
-6,072.88
-1,593.74
-6,334.97
1,748.33
2,732.65
2,741.19
2,674.62
2,488.71
1,738.56
Minority Interest
-0.79
-0.48
20.40
21.42
71.66
-1.89
-1.35
1.79
-8.03
-5.54
2.77
PAT Margin
4.06%
-28.84%
-36.73%
-8.36%
-40.36%
11.09%
17.88%
21.23%
22.76%
23.61%
20.65%
PAT Growth
0.00%
0
0
0
-458.63%
-36.06%
-0.43%
2.86%
7.39%
42.60%
 
Unadjusted EPS
2.47
-29.14
-51.83
-14.83
-84.58
31.30
48.96
49.01
49.85
48.37
34.03

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Shareholder's Funds
47,651.95
36,756.48
33,629.26
33,345.66
32,522.85
30,773.72
24,471.01
21,414.00
17,636.08
14,445.03
Share Capital
2,760.03
1,743.72
1,055.43
817.29
665.65
643.00
596.64
574.52
547.22
525.91
Total Reserves
40,253.92
35,012.76
30,851.91
31,224.72
31,857.20
30,130.72
23,874.37
20,839.48
17,088.86
13,919.11
Minority Interest
162.15
159.15
80.98
98.00
167.93
84.00
73.43
62.90
51.24
319.23
Deposits
522,554.96
522,996.90
542,352.11
515,722.48
534,482.30
478,695.08
383,130.99
319,412.53
299,559.40
230,408.21
Borrowings
44,265.19
43,598.26
39,491.42
51,103.27
40,098.69
48,427.51
35,369.40
32,118.94
22,021.38
22,399.90
Other Liabilities & Provisions
16,249.65
11,673.55
16,472.18
16,359.82
18,012.98
20,174.29
13,361.96
14,580.87
13,763.76
9,261.52
Total Liabilities
630,883.90
615,184.34
632,025.95
616,629.23
625,284.75
578,154.60
456,406.79
387,589.24
353,031.86
276,833.89
Net Block
8,799.08
8,191.65
8,349.12
8,381.74
5,801.84
5,677.54
2,806.98
2,739.71
2,383.75
2,313.83
Gross Block
11,685.42
11,029.79
10,655.17
12,150.55
8,859.53
8,274.42
4,994.31
4,681.43
4,062.75
3,843.01
Accumulated Depreciation
2,886.34
2,838.15
2,306.06
3,768.81
3,057.69
2,596.88
2,187.33
1,941.72
1,679.00
1,529.18
Total Non-Current Assets
597,730.43
587,984.08
604,090.51
592,000.37
606,714.81
556,741.69
445,320.13
376,054.67
340,580.74
270,971.68
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
200.00
158.21
196.66
191.11
112.65
142.64
93.66
60.32
115.68
65.08
Cash and balance with RBI
29,322.09
31,575.19
27,544.44
34,213.72
27,498.38
19,287.86
22,125.12
15,139.67
21,860.07
15,657.96
Balance with banks and money at call
65,537.90
64,449.04
68,920.27
65,291.00
45,717.06
42,472.45
33,252.00
20,324.66
15,836.29
15,791.11
Investments
150,905.02
140,321.07
130,751.26
122,620.91
123,195.53
116,489.74
96,387.76
88,056.87
86,676.59
68,112.69
Advances
342,966.34
343,288.92
368,328.76
361,301.89
404,389.35
372,671.46
290,654.61
249,733.44
213,708.36
169,031.01
Other Assets
33,153.48
27,200.26
27,935.44
24,628.87
18,569.93
21,412.91
11,086.66
11,534.57
12,451.11
5,862.19
Total Assets
630,883.91
615,184.34
632,025.95
616,629.24
625,284.74
578,154.60
456,406.79
387,589.24
353,031.85
276,833.87
Contingent Liabilities
311,317.30
342,763.68
359,947.42
354,119.85
374,093.12
252,826.44
221,788.85
191,260.65
163,598.93
135,156.91
Bills for collection
28,504.75
32,105.15
31,625.22
26,902.10
26,420.18
21,862.72
24,253.39
19,298.50
12,675.38
11,810.83
Adjusted Book Value
132.97
178.72
248.06
318.83
435.65
420.87
390.80
351.66
298.56
247.83

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Cash From Operating Activity
-9,218.10
-7,366.00
-6,624.08
18,310.79
14,638.20
6,451.62
20,631.93
-1,644.08
6,196.21
8,320.82
PBT
-8,587.56
-8,548.31
-2,288.50
-7,905.89
2,116.33
3,821.27
3,095.69
3,635.99
3,558.39
2,550.71
Adjustment
18,125.41
17,753.44
13,408.73
15,822.80
7,230.70
6,196.51
5,552.76
4,184.36
2,882.62
3,086.46
Adjustments for Liabilities & Assets
-15,364.56
-15,031.99
-18,897.89
10,700.04
6,420.92
-3,296.46
13,741.67
-8,133.93
895.15
3,797.63
Refund/(Payment) of direct taxes
-3,391.38
-1,539.14
1,153.59
-306.15
-1,129.74
-269.70
-1,758.19
-1,330.50
-1,139.95
-1,113.99
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
71.07
-259.89
-371.06
-608.69
-754.66
-813.88
-388.00
-616.66
-720.22
-15.51
Net Fixed Assets
-694.47
-332.17
1467.60
-3304.33
-553.88
-3314.75
-332.41
-541.93
-279.05
-167.20
Other Investment Activity
-12001.16
-11417.86
-11323.32
-12936.89
-9691.78
-8712.02
-5625.93
-5397.08
-4150.44
-4112.15
Cash from Financing Activity
7,982.80
7,185.41
3,955.12
4,863.70
1,295.07
745.44
-331.14
28.72
771.30
1,253.79
Closing Cash & Equivalent
94,859.99
96,024.23
96,464.71
99,504.72
76,938.92
61,760.31
55,377.13
35,464.34
37,696.36
31,449.07
Net Cash Inflow / Outflow
-1,164.24
-440.48
-3,040.01
22,565.80
15,178.61
6,383.18
19,912.79
-2,232.03
6,247.29
9,559.10
Opening Cash & Equivalents
96,024.23
96,464.71
99,504.72
76,938.92
61,760.31
55,377.13
35,464.34
37,696.36
31,449.07
21,889.97

Financial Ratios

Consolidated /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Book Value
132.96
178.72
248.06
318.83
435.65
420.87
390.80
351.66
298.56
247.83
NIM
2.34
1.83
2.01
2.03
1.91
1.99
2.06
2.25
2.33
2.17
Yield on Advances
11.96
11.16
10.75
11.65
10.80
10.23
11.04
11.46
10.23
10.65
Yield on Investments
6.38
7.58
9.51
7.94
8.41
7.92
8.03
8.60
6.37
7.47
Cost of Liabilities
4.80
4.89
4.74
5.34
5.61
5.15
5.49
5.75
4.35
4.81
Interest Spread
7.16
6.28
6.00
6.31
5.20
5.08
5.56
5.71
5.88
5.84
ROCE
-5.26%
-7.06%
0.80%
-6.25%
6.62%
9.89%
9.99%
12.44%
13.77%
11.52%
Cost Income Ratio
57.01
56.22
47.74
60.73
52.05
44.68
42.23
42.77
48.69
44.09
Core Cost Income Ratio
55.87
61.61
57.92
63.84
55.33
47.14
43.75
44.32
50.23
47.47
Operating Costs to Assets
1.72
1.51
1.42
1.53
1.31
1.18
1.20
1.29
1.45
1.34
Loans/Deposits
0.08
0.08
0.07
0.10
0.08
0.10
0.09
0.10
0.07
0.10
Cash/Deposits
0.06
0.06
0.05
0.07
0.05
0.04
0.06
0.05
0.07
0.07
Investment/Deposits
0.29
0.27
0.24
0.24
0.23
0.24
0.25
0.28
0.29
0.30
Inc Loan/Deposits
8.47%
8.34%
7.28%
9.91%
7.50%
10.12%
9.23%
10.06%
7.35%
9.72%
Credit Deposits
65.63%
65.64%
67.91%
70.06%
75.66%
77.85%
75.86%
78.19%
71.34%
73.36%
Interest Expended / Interest earned
66.35%
72.24%
69.74%
71.85%
73.76%
71.26%
71.54%
70.66%
63.96%
67.59%
Interest income / Total funds
6.50%
6.23%
6.26%
6.83%
6.99%
6.59%
7.03%
7.38%
6.19%
6.50%
Interest Expended / Total funds
4.31%
4.50%
4.37%
4.90%
5.15%
4.70%
5.03%
5.22%
3.96%
4.39%
CASA
35.84%
34.00%
31.83%
25.79%
22.25%
22.92%
25.62%
26.60%
25.40%
27.78%

News Update


  • Bank of India turns black in Q3
    31st Jan 2020, 12:23 PM

    Total income of the bank increased by 14.33% at Rs 13480.53 crore for Q3FY20

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  • Bank of India to sell entire equity stake in ECIS
    16th Jan 2020, 10:26 AM

    The transaction is expected to be closed in Q4 FY2020

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  • Bank of India aiming to disburse Rs 10,000 crore incremental loans from outreach programme
    12th Dec 2019, 09:44 AM

    The outreach programme is being conducted in 54 zones, comprising 5,000 branches

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  • Bank of India to raise Rs 10,000 crore by various ways
    7th Dec 2019, 09:20 AM

    The Board of Directors of the bank at its meeting held on December 06, 2019 has approved the same

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  • Bank of India closes overseas subsidiary
    6th Dec 2019, 15:25 PM

    The Banking Licence for Bank of India (Botswana) has been surrendered to Regulator

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  • Bank of India organizes campaign to achieve Rs 10 trillion total business by September 2020
    4th Dec 2019, 10:18 AM

    Sanction letters for retail, MSME and Self Help Groups' loans were handed over to some 100 customers on the occasion

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  • Bank of India awards procurement contract to Pantum
    22nd Nov 2019, 11:07 AM

    The contract is to supply up to 2,200 printers to more than 1,000 of the bank's branches in India

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