ScoreWhy is Bank Of India ?
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
- PBT LESS OI(Q) At Rs 1,652.49 cr has Grown at 123.4 %
- GROSS NPA(Q) Lowest at 3.69%
- INTEREST EARNED(Q) Highest at Rs 18,210.52 cr
4
Stock is technically in a Mildly Bearish range
- The technical trend has deteriorated from Sideways on 07-Apr-25 and has generated 2.17% returns since then
- A key technical factor - Bollinger Band has been Bearish since 07 Apr 2025
5
With ROA of 0.9, it has a Very Attractive valuation with a 0.7 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -25.12%, its profits have risen by 28.9% ; the PEG ratio of the company is 0.2
6
Majority shareholders : Promoters
7
Underperformed the market in the last 1 year
- Even though the market (BSE 500) generated negative returns of -0.95% in the last 1 year, its fall in the stock was much higher with a return of -25.12%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank Of India should be less than 10%
- Overall Portfolio exposure to Public Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank Of India for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank Of India
-24.95%
-0.69
36.52%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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%
ValuationValuation 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
Loading Valuation Snapshot...
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
PBT LESS OI(Q)
At Rs 1,652.49 cr has Grown at 123.4 %
GROSS NPA(Q)
Lowest at 3.69%
INTEREST EARNED(Q)
Highest at Rs 18,210.52 cr
NET NPA(Q)
Lowest at 0.85 %
CREDIT DEPOSIT RATIO(HY)
Highest at 79.63 %
PAT(Q)
At Rs 2,516.69 cr has Grown at 36.3 %
EPS(Q)
Highest at Rs 5.53
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 51.38 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Bank Of India
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 1,652.49 cr has Grown at 123.4 %
over average PBT of the previous four quarters of Rs 739.59 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 3.69% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Interest Earned - Quarterly
Highest at Rs 18,210.52 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Net NPA - Quarterly
Lowest at 0.85 % and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 1,652.49 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 2,516.69 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 2,516.69 cr has Grown at 36.3 %
over average PAT of the previous four quarters of Rs 1,846.21 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 5.53
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Credit Deposit Ratio - Half Yearly
Highest at 79.63 %
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Bank Of India
Non Operating Income - Quarterly
is 51.38 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
CAR - Quarterly
Lowest at 16.00 %
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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