Annual Results Results Snapshot
Figures in Rs cr
Standalone Annual Results
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Mar'19
Mar'18
Interest Earned
60,709.49
47,647.72
38,075.83
40,599.44
42,353.26
40,767.81
38,071.41
Income On Investments
14,122.68
11,943.20
11,116.26
11,547.79
10,704.15
9,972.89
9,153.55
Interest On Balances With Rbi Other Inter Bank Funds
2,890.89
1,666.38
623.39
1,142.09
2,431.53
2,837.66
2,731.70
Interest / Discount On Advances / Bills
42,881.01
33,367.61
25,841.51
27,406.74
28,804.74
27,250.35
25,295.30
Others
814.91
670.53
494.67
502.82
412.84
706.91
890.86
Other Income
6,094.85
7,099.89
7,878.73
6,841.87
6,713.07
4,658.89
5,733.76
Total Income
66,804.34
54,747.61
45,954.56
47,441.31
49,066.33
45,426.70
43,805.17
Interest Expended
37,656.57
27,372.82
24,013.73
26,329.60
27,096.29
27,110.14
27,565.07
Net Interest Income
23,052.92
20,274.90
14,062.10
14,269.84
15,256.97
13,657.67
10,506.34
Total Expenditure (Excl Depreciation)
15,079.16
13,982.17
11,952.38
10,839.11
10,451.40
10,224.35
9,101.17
Employee Cost
9,188.47
8,391.83
7,055.53
6,472.99
6,141.45
6,021.04
4,903.27
Other Operating Expenses
5,890.69
5,590.34
4,896.85
4,366.12
4,309.95
4,203.31
4,197.90
Operating Profit Before Provisions and Contingencies
14,068.61
13,392.62
9,988.45
10,272.60
11,518.64
8,092.21
7,138.93
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
3,969.54
7,163.31
4,421.70
7,035.88
16,121.37
16,805.62
15,772.43
Profit Before Tax
10,099.07
6,229.31
5,566.75
3,236.72
-4,602.73
-8,713.41
-8,633.50
Tax
3,781.15
2,206.37
2,162.05
1,076.42
-1,645.84
-3,166.51
-2,589.79
Profit After Tax
6,317.92
4,022.94
3,404.70
2,160.30
-2,956.89
-5,546.90
-6,043.71
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
6,317.92
4,022.94
3,404.70
2,160.30
-2,956.89
-5,546.90
-6,043.71
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
57,508.56
47,970.28
44,100.32
36,156.13
34,216.30
32,647.79
28,247.76
Earnings per share (EPS)
13.88
9.8
8.3
6.59
-9.02
-20.1
-34.66
Diluted Earnings per share
14.9
9.8
8.84
6.59
-9.1
-29.79
-52.55
Operating Profit Margin (Excl OI)
68.62%
55.62%
57.0%
55.97%
37.26%
33.7%
34.67%
Gross Profit Margin
16.64%
13.07%
14.62%
7.97%
-10.87%
-21.37%
-22.68%
PAT Margin
10.41%
8.44%
8.94%
5.32%
-6.98%
-13.61%
-15.87%
Net Interest Margin
2.97%
3.01%
2.36%
2.48%
2.93%
2.56%
1.92%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
43.21%
44.73%
45.02%
41.27%
41.5%
43.36%
41.43%
CASA Amount
0.00
2,52,149.00
2,45,464.00
2,24,669.00
1,97,750.00
1,81,765.00
1,72,787.00
Capital Adequacy Ratio (Total)
16.96%
16.28%
16.51%
14.93%
13.1%
14.19%
12.94%
Capital Adequacy Ratio (Tier 1)
15.62%
14.4%
13.92%
11.96%
9.9%
11.07%
9.73%
Provision Coverage Ratio (%)
90.59%
89.68%
87.76%
86.24%
83.75%
76.95%
65.85%
Amount of Gross NPAs
29,182.77
37,685.56
45,605.40
56,534.95
61,549.93
60,661.12
62,328.46
Amount of Net NPAs
6,845.25
8,053.61
9,851.93
12,262.03
14,320.10
19,118.95
28,207.27
% of Net NPAs
1.22%
1.66%
2.34%
3.35%
3.88%
5.61%
8.26%
% of Gross NPAs
4.98%
7.31%
9.98%
13.77%
14.78%
15.84%
16.58%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
8230.0
8214.0
7949.0
5551.0
5750.0
6154.0
7423.0
Number of Branches
5170.0
5152.0
5128.0
5107.0
5106.0
5117.0
5127.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Mar 2024 is 27.41% vs 25.14% in Mar 2023
Net Profit
YoY Growth in year ended Mar 2024 is 57.05% vs 18.16% in Mar 2023
Operating Profit (PBDIT)
YoY Growth in year ended Mar 2024 is 5.05% vs 34.08% in Mar 2023
% of Net NPAs
YoY Growth in year ended Mar 2024 is -0.44% vs -0.68% in Mar 2023
% of Gross NPAs
YoY Growth in year ended Mar 2024 is -2.33% vs -2.67% in Mar 2023
Compare Annual Results Of Bank Of India With
Figures in Rs cr
Standalone Annual Results
Change(INR)
Change(%)
Interest Earned
60,709.49
26,426.13
34,283.36
129.73%
Income On Investments
14,122.68
7,737.61
6,385.07
82.52%
Interest On Balances With Rbi Other Inter Bank Funds
2,890.89
339.85
2,551.04
750.64%
Interest / Discount On Advances / Bills
42,881.01
17,970.67
24,910.34
138.62%
Others
814.91
378.00
436.91
115.58%
Other Income
6,094.85
3,610.91
2,483.94
68.79%
Total Income
66,804.34
30,037.04
36,767.30
122.41%
Interest Expended
37,656.57
12,239.69
25,416.88
207.66%
Net Interest Income
23,052.92
14,186.44
8,866.48
62.5%
Total Expenditure (Excl Depreciation)
15,079.16
8,205.29
6,873.87
83.77%
Employee Cost
9,188.47
4,254.44
4,934.03
115.97%
Other Operating Expenses
5,890.69
3,950.85
1,939.84
49.1%
Operating Profit Before Provisions and Contingencies
14,068.61
9,592.06
4,476.55
46.67%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
3,969.54
1,396.64
2,572.90
184.22%
Profit Before Tax
10,099.07
8,195.42
1,903.65
23.23%
Tax
3,781.15
2,561.33
1,219.82
47.62%
Profit After Tax
6,317.92
5,634.09
683.83
12.14%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
6,317.92
5,634.09
683.83
12.14%
Face Value
10.00
10.00
0.00
Reserves
57,508.56
31,196.01
26,312.55
84.35%
Earnings per share (EPS)
13.88
5.24
8.64
164.89%
Diluted Earnings per share
14.90
5.24
9.66
184.35%
Operating Profit Margin (Excl OI)
68.62%
63.67%
0.00
4.95%
Gross Profit Margin
16.64%
31.01%
0.00
-14.37%
PAT Margin
10.41%
21.32%
0.00
-10.91%
Net Interest Margin
2.97%
4.93%
-1.96
-1.96%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
43.21%
50.43%
-7.22
-7.22%
CASA Amount
0.00
1,40,027.00
-1,40,027.00
-100.0%
Capital Adequacy Ratio (Total)
16.96%
22.26%
-5.30
-5.30%
Capital Adequacy Ratio (Tier 1)
15.62%
20.11%
-4.49
-4.49%
Provision Coverage Ratio (%)
90.59%
99.09%
-8.50
-8.50%
Amount of Gross NPAs
29,182.77
8,916.84
20,265.93
227.28%
Amount of Net NPAs
6,845.25
643.83
6,201.42
963.21%
% of Net NPAs
1.22%
0.34%
0.88
0.88%
% of Gross NPAs
4.98%
4.53%
0.45
0.45%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
8,230.00
0.00
8,230.00
Number of Branches
5,170.00
0.00
5,170.00
Annual - Interest Earned
Interest Earned 60709.49 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 27.41% vs 25.14% in Mar 2023
Annual - Net Profit
Net Profit 6,317.92 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 57.05% vs 18.16% in Mar 2023
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 14,068.61 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 5.05% vs 34.08% in Mar 2023
Annual - % of Net NPAs
% of Net NPAs 1.22%
in Mar 2024Figures in Rs %
YoY Growth in year ended Mar 2024 is -0.44% vs -0.68% in Mar 2023
Annual - % of Gross NPAs
% of Gross NPAs 4.98%
in Mar 2024Figures in Rs %
YoY Growth in year ended Mar 2024 is -2.33% vs -2.67% in Mar 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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