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Bank Of India

  • Market Cap: Large Cap
  • Industry: Public Banks
  • ISIN: INE084A01016
  • NSEID: BANKINDIA
  • BSEID: 532149
INR
108.45
1.65 (1.54%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 29.81 lacs

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

107.15109.45

52 Week

90.00158.00
Valuation
Technical
Day's Volume

CASH

29.81 lacs (-60.46%) Volume

Shareholding (Dec 2024)

FII

2.92%

Held by 151 FIIs

DII

16.41%

Held by 112 DIIs

Promoter

73.38%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

Strong Long Term Fundamental Strength with a 56.11% CAGR growth in Net Profits

 
2

Healthy long term growth as Net profit has grown by an annual rate of 56.11%

 
3

The company has declared Positive results for the last 14 consecutive quarters

4

Stock is technically in a Mildly Bearish range

5

With ROA of 0.9, it has a Very Attractive valuation with a 0.7 Price to Book Value

6

Majority shareholders : Promoters

 
7

Underperformed the market in the last 1 year

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Public Banks

stock-summary
Market cap

INR 49,374 Cr (Large Cap)

stock-summary
Dividend Yield

2.62%

stock-summary
CAR

13.60%

stock-summary
Return on Assets

0.86%

stock-summary
Net NPA

0.85%

stock-summary
Gross NPA

3.69%

Revenue and Profits (1 Year):
Int. Earned:
18,210.52 Cr
(Quarterly Results - Dec 2024)
Net Profit:
2,517 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (2.62%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
2.8%
0%
2.8%
1 Year
-24.95%
1.84%
-23.11%
2 Years
41.21%
5.91%
47.12%
3 Years
107.76%
16.59%
124.35%
4 Years
45.67%
9.01%
54.68%
5 Years
216.18%
21.48%
237.66%

Latest dividend: 2.8 per share ex-dividend date: Jun-18-2024

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Net Interest Income Growth (5y)
7.49%
Net Profit Growth (5y)
56.11%
Advance to Deposit
70.77%
Capital Adequacy Ratio (Tier 1)
12.83%
Gross NPA (latest)
3.69%
Gross NPA (avg)
8.08%
Coverage Ratio (avg)
78.54%
Cost to Income (avg)
52.09%
Net Interest Margin (avg)
2.56%
Operating Profit to Assets (avg)
3.34%
ROA (avg)
0.42%
Valuation key factors
Factor
Value
P/E Ratio
6
Price to Book Value
0.66
PEG Ratio
0.21
Dividend Yield
2.62%
ROE (Latest)
10.82%
ROA (Latest)
0.86%
Net NPA to Book Value
7.29
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2024stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 24 Schemes (4.58%)

FIIs

Held by 151 FIIs (2.92%)

Promoter with highest holding

President Of India (73.38%)

Highest Public shareholder

Life Insurance Corporation Of India - P & Gs Fund (7.96%)

Individual Investors Holdings

6.38%

stock-summaryFinancial
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  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Standalone) - Dec'24 - QoQ",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 4.93% vs 2.46% in Sep 2024",
        "dir": 1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 6.02% vs 39.40% in Sep 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 18210.52,
          "val2": 17354.55,
          "chgp": "4.93%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "3,702.57",
          "val2": "4,147.40",
          "chgp": "-10.73%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.85%",
          "val2": "0.94%",
          "chgp": "-0.09%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "3.69%",
          "val2": "4.41%",
          "chgp": "-0.72%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "2,516.69",
          "val2": "2,373.69",
          "chgp": "6.02%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Standalone) - Sep'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": " Growth in half year ended Sep 2024 is 16.92% vs 36.61% in Sep 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is 35.45% vs 97.80% in Sep 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 34292.57,
          "val2": 29329.81,
          "chgp": "16.92%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "7,824.71",
          "val2": "7,507.51",
          "chgp": "4.23%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.94%",
          "val2": "1.54%",
          "chgp": "-0.60%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "4.41%",
          "val2": "5.84%",
          "chgp": "-1.43%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "4,076.42",
          "val2": "3,009.50",
          "chgp": "35.45%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 17.86% vs 30.27% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 35.13% vs 82.56% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 52503.09,
          "val2": 44547.79,
          "chgp": "17.86%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "11,527.28",
          "val2": "10,511.45",
          "chgp": "9.66%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.85%",
          "val2": "1.41%",
          "chgp": "-0.56%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "3.69%",
          "val2": "5.35%",
          "chgp": "-1.66%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "6,593.11",
          "val2": "4,879.01",
          "chgp": "35.13%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Standalone) - Mar'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in year ended Mar 2024 is 27.41% vs 25.14% in Mar 2023",
        "dir": 1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 57.05% vs 18.16% in Mar 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
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          "field": "Interest Earned",
          "val1": 60709.49,
          "val2": 47647.72,
          "chgp": "27.41%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "14,068.61",
          "val2": "13,392.62",
          "chgp": "5.05%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "1.22%",
          "val2": "1.66%",
          "chgp": "-0.44%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "4.98%",
          "val2": "7.31%",
          "chgp": "-2.33%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "6,317.92",
          "val2": "4,022.94",
          "chgp": "57.05%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Standalone) - Dec'24 - QoQstock-summary
Dec'24
Sep'24
Change(%)
Interest Earned
18210.52
17354.55
4.93%
Operating Profit (PBDIT)
3,702.57
4,147.40
-10.73%
% of Net NPAs
0.85%
0.94%
-0.09%
% of Gross NPAs
3.69%
4.41%
-0.72%
Exceptional Items
0.00
0.00
Net Profit
2,516.69
2,373.69
6.02%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

QoQ Growth in quarter ended Dec 2024 is 4.93% vs 2.46% in Sep 2024

Direction Arrows
Net Profit

QoQ Growth in quarter ended Dec 2024 is 6.02% vs 39.40% in Sep 2024

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Standalone) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Interest Earned
34292.57
29329.81
16.92%
Operating Profit (PBDIT)
7,824.71
7,507.51
4.23%
% of Net NPAs
0.94%
1.54%
-0.60%
% of Gross NPAs
4.41%
5.84%
-1.43%
Exceptional Items
0.00
0.00
Net Profit
4,076.42
3,009.50
35.45%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

Growth in half year ended Sep 2024 is 16.92% vs 36.61% in Sep 2023

Direction Arrows
Net Profit

Growth in half year ended Sep 2024 is 35.45% vs 97.80% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Standalone) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Interest Earned
52503.09
44547.79
17.86%
Operating Profit (PBDIT)
11,527.28
10,511.45
9.66%
% of Net NPAs
0.85%
1.41%
-0.56%
% of Gross NPAs
3.69%
5.35%
-1.66%
Exceptional Items
0.00
0.00
Net Profit
6,593.11
4,879.01
35.13%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in nine months ended Dec 2024 is 17.86% vs 30.27% in Dec 2023

Direction Arrows
Net Profit

YoY Growth in nine months ended Dec 2024 is 35.13% vs 82.56% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Standalone) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Interest Earned
60709.49
47647.72
27.41%
Operating Profit (PBDIT)
14,068.61
13,392.62
5.05%
% of Net NPAs
1.22%
1.66%
-0.44%
% of Gross NPAs
4.98%
7.31%
-2.33%
Exceptional Items
0.00
0.00
Net Profit
6,317.92
4,022.94
57.05%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in year ended Mar 2024 is 27.41% vs 25.14% in Mar 2023

Direction Arrows
Net Profit

YoY Growth in year ended Mar 2024 is 57.05% vs 18.16% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About Bank Of India stock-summary
stock-summary
Bank Of India
Large Cap
Public Banks
Bank of India is a state-owned commercial bank with headquarters in Mumbai. The Bank provides a wide range of banking products and financial services to corporate and retail customers. The bank provides specialized services for businesses (dealing in foreign exchange), NRIs, merchant banking, etc. They also have specialized branches that deal in asset recovery, hi-tech agricultural finance, lease finance and treasury, and small-scale industries.
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