Bank Of India Live BSE/NSE | Bank Of India Fundamenta data | Bank Of India Balance sheet | Bank Of India Quarterly Results | Bank Of India Profit & Loss

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

17,531.54
N/A
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

27,853.84
N/A
0.44

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

6.93
5.38
13.14

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
-0.60
-4.74

PAT CAGR (%)

10 Years
5 Years
3 Years

-
-14.10
-21.49

P:E (Median)

8 Years
5 Years
3 Years

P:BV (Average)

8 Years
5 Years
3 Years

0.52
0.49
0.49

EV:EBITDA (Average)

8 Years
5 Years
3 Years

5.49
4.50
3.58

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Interest Earned 10,795.51 10,658.14 1.29% 10,234.24 10,332.17 -0.95% 10,528.02 10,814.12 -2.65% 10,834.92 10,171.01 6.53%
Interest Exp. 6,682.21 6,797.68 -1.70% 6,753.10 6,846.75 -1.37% 6,734.97 6,769.72 -0.51% 6,716.89 6,838.83 -1.78%
Net Interest Income 4,113.30 3,860.46 6.55% 3,481.14 3,485.42 -0.12% 3,793.05 4,044.40 -6.21% 4,118.03 3,332.18 23.58%
NIM 2.88 3.36 -14.29% 2.73 3.03 -9.90% 3.18 3.38 -5.92% 3.45 3.02 14.24%
Other Income 1,613.15 1,327.36 21.53% 1,707.28 1,194.78 42.89% 1,687.76 1,479.47 14.08% 2,503.17 1,530.83 63.52%
Total Income 12,408.66 11,985.50 3.53% 11,941.52 11,526.95 3.60% 12,215.78 12,293.59 -0.63% 13,338.09 11,701.84 13.98%
Operating Exp. 2,628.78 2,727.98 -3.64% 2,343.90 2,408.85 -2.70% 2,828.25 3,220.69 -12.18% 2,486.32 2,590.19 -4.01%
Operating Profit 3,097.67 2,459.84 25.93% 2,844.52 2,271.35 25.23% 2,652.56 2,303.18 15.17% 4,134.88 2,272.82 81.93%
Provision 2,312.29 2,052.27 12.67% 1,512.07 1,911.98 -20.92% 8,141.92 1,897.43 329.10% 4,015.20 9,000.72 -55.39%
PBT 785.38 407.57 92.70% 1,332.45 359.37 270.77% -5,489.36 405.75 - 119.68 -6,727.90 -
PBTM 7.28 3.82 90.58% 13.02 3.48 274.14% -52.14 3.75 - 1.10 -66.15 -
TAX 259.60 141.20 83.85% 488.85 116.75 318.72% -1,917.95 153.96 - 14.16 -1,990.34 -
PAT 525.78 266.37 97.39% 843.60 242.62 247.70% -3,571.41 251.79 - 105.52 -4,737.56 -
PATM 4.87% 2.50% 8.24% 2.35% -33.92% 2.33% 0.97% -46.58%
EPS 1.60 0.81 97.53% 2.57 0.74 247.30% -10.90 0.91 - 0.32 -27.17 -
Gross NPA 56,231.76 61,475.60 -8.53% 57,787.78 62,068.40 -6.90% 61,549.93 60,661.12 1.47% 61,730.54 60,797.55 1.53%
Gross NPA% 13.79 16.31 -15.45% 13.91 16.50 -15.70% 14.78 15.84 -6.69% 16.30 16.31 -0.06%
Net NPA 10,443.71 19,645.83 -46.84% 13,274.95 19,288.34 -31.18% 14,320.10 19,118.95 -25.10% 20,113.34 19,437.35 3.48%
Net NPA% 2.89 5.87 -50.77% 3.58 5.79 -38.17% 3.88 5.61 -30.84% 5.97 5.87 1.70%
CASA 39.49 42.35 -6.75% 40.60 43.11 -5.82% 41.50 43.36 -4.29% 42.69 42.65 0.09%

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Interest Earned 10,851.67 10,715.29 1.27% 10,286.76 10,392.21 -1.01% 10,585.08 10,870.30 -2.62% 10,898.19 10,230.06 6.53%
Interest Exp. 6,710.86 6,817.84 -1.57% 6,773.44 6,871.62 -1.43% 6,757.89 6,791.37 -0.49% 6,744.11 6,862.15 -1.72%
Net Interest Income 4,140.81 3,897.45 6.24% 3,513.32 3,520.59 -0.21% 3,827.19 4,078.93 -6.17% 4,154.08 3,367.91 23.34%
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 1,626.12 1,347.26 20.70% 1,735.72 1,221.00 42.16% 1,708.29 1,516.95 12.61% 2,532.34 1,561.10 62.22%
Total Income 12,477.79 12,062.55 3.44% 12,022.48 11,613.21 3.52% 12,293.37 12,387.25 -0.76% 13,430.53 11,791.16 13.90%
Operating Exp. 2,667.68 2,763.14 -3.45% 2,391.94 2,455.34 -2.58% 0.00 0.00 0.00 2,528.09 2,631.72 -3.94%
Operating Profit 3,099.25 2,481.57 24.89% 2,857.10 2,286.25 24.97% 2,669.65 2,335.14 14.33% 4,158.33 2,297.28 81.01%
Provision 2,314.19 2,060.00 12.34% 1,515.69 1,922.72 -21.17% 8,154.88 1,914.13 326.04% 4,028.03 9,023.65 -55.36%
PBT 785.06 421.57 86.22% 1,341.41 363.53 269.00% -5,485.23 421.01 - 130.30 -6,726.37 -
PBTM 7.23 3.93 83.97% 13.04 3.50 272.57% 10.75 10.75 0.00% 1.20 -65.75 -
TAX 259.69 143.16 81.40% 489.95 117.73 316.16% -1,915.97 156.33 - 14.66 -1,994.84 -
PAT 525.37 278.41 88.70% 851.46 245.80 246.40% -3,569.26 264.68 - 115.64 -4,731.53 -
PATM 4.84% 2.60% 8.28% 2.37% 7.11% 7.11% 1.06% -46.25%
EPS 1.60 0.85 88.24% 2.60 0.75 246.67% -10.89 0.81 - 0.35 -14.44 -
Gross NPA 0.00 0.00 0.00 57,859.74 62,147.40 -6.90% 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA% 0.00 0.00 0.00 13.86 16.44 -15.69% 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA 0.00 0.00 0.00 13,304.82 19,339.30 -31.20% 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA% 0.00 0.00 0.00 3.57 5.78 -38.24% 0.00 0.00 0.00 0.00 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 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Net Interest Income 15,505.52 15,256.98 13,657.67 10,506.34 11,826.11 11,724.62 11,378.46 10,830.53 9,024.00 8,313.44 7,810.69 Interest Earned 42,392.69 42,353.27 40,767.81 38,071.41 39,290.85 41,796.47 43,464.71 37,910.10 31,908.93 28,480.67 21,751.72 Interest Expended 26,887.17 27,096.29 27,110.14 27,565.07 27,464.74 30,071.85 32,086.25 27,079.57 22,884.93 20,167.23 13,941.03 Int. income Growth 5.32% 11.71% 29.99% -11.16% 0.87% 3.04% 5.06% 20.02% 8.55% 6.44% Other Income 7,511.36 6,713.07 4,658.89 5,733.76 6,772.33 3,652.54 4,197.90 4,291.84 3,766.04 3,321.17 2,641.77 Total Income 49,904.05 21,970.05 18,316.56 16,240.10 18,598.44 15,377.16 15,576.36 15,122.37 12,790.04 11,634.61 10,452.46 Total Expenditure 10,287.25 26,188.00 26,663.30 24,353.61 20,983.44 22,881.67 13,495.88 11,349.45 9,598.42 7,890.26 6,816.52 Employee Cost - 6,141.45 6,021.04 4,903.27 5,396.62 5,357.24 4,985.82 3,991.15 3,130.52 3,069.31 3,475.44 % Of Sales - 14.50% 14.77% 12.88% 13.74% 12.82% 11.47% 10.53% 9.81% 10.78% 15.98% Opt. & Establishment Exp. - 4,694.73 4,569.98 4,717.88 3,456.70 4,270.56 3,388.18 2,936.19 2,384.92 2,038.18 1,733.36 % Of Sales - 11.08% 11.21% 12.39% 8.80% 10.22% 7.80% 7.75% 7.47% 7.16% 7.97% Provisions - 16,121.38 16,805.62 15,772.42 12,105.18 13,826.39 5,692.72 4,877.85 4,450.76 3,116.43 1,888.84 % Of Sales - 38.06% 41.22% 41.43% 30.81% 33.08% 13.10% 12.87% 13.95% 10.94% 8.68% EBITDA 12,729.63 -4,217.95 -8,346.74 -8,113.51 -2,385.00 -7,504.51 2,080.48 3,772.92 3,191.62 3,744.35 3,635.94 EBITDA Margin 75.73% -27.65% -61.11% -77.22% -20.17% -64.01% 18.28% 34.84% 35.37% 45.04% 46.55% Depreciation 0.00 384.78 366.67 519.98 -12.47 286.26 285.42 227.87 183.89 166.83 140.56 PBT -3,251.85 -4,602.73 -8,713.41 -8,633.50 -2,372.52 -7,790.77 1,795.05 3,545.05 3,007.74 3,577.52 3,495.39 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 -1,155.34 -1,645.84 -3,166.51 -2,589.79 -814.21 -1,701.56 86.13 815.78 258.39 900.00 1,006.68 Tax Rate 35.53% 35.76% 36.34% 30.00% 34.32% 21.84% 4.80% 23.01% 8.59% 25.16% 28.80% PAT -2,096.51 -2,956.89 -5,546.90 -6,043.71 -1,558.31 -6,089.21 1,708.92 2,729.27 2,749.35 2,677.52 2,488.71 PAT before Minority Interest -2,096.51 -2,956.89 -5,546.90 -6,043.71 -1,558.31 -6,089.21 1,708.92 2,729.27 2,749.35 2,677.52 2,488.71 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin -9.11% -13.46% -30.28% -37.21% -8.38% -39.60% 10.97% 18.05% 21.50% 23.01% 23.81% PAT Growth -47.28% 0 0 0 0 -456.32% -37.39% -0.73% 2.68% 7.59% Unadjusted EPS -6.40 -9.02 -16.93 -18.44 -4.76 -18.58 5.22 8.33 8.39 8.17 7.59

Description TTM Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Net Interest Income 15,635.40 15,399.31 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 Interest Earned 42,621.70 42,590.77 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 Interest Expended 26,986.30 27,191.46 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 Int. income Growth 5.18% 11.61% 29.75% -11.23% 1.11% 3.34% 4.65% 19.92% 8.82% 6.56% Other Income 7,602.47 6,808.89 4,790.91 5,845.89 6,819.45 3,671.61 4,278.08 4,319.00 3,784.60 3,319.24 2,641.83 Total Income 50,224.17 22,208.20 18,588.61 16,479.86 18,798.93 15,519.13 15,742.90 15,274.42 12,920.02 11,713.89 10,519.33 Total Expenditure 10,453.54 26,386.07 26,874.19 24,618.06 21,218.32 23,286.78 13,600.07 11,473.38 9,713.97 7,953.09 -9,004.44 Employee Cost - 6,196.56 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 % Of Sales - 14.55% 14.83% 12.95% 13.77% 12.84% 11.52% 10.59% 9.91% 10.80% 15.98% Opt. & Establishment Exp. - 4,807.80 4,684.94 4,823.70 3,518.66 4,311.38 3,453.19 3,021.89 2,465.78 2,095.90 -14,100.02 % Of Sales - 11.29% 11.43% 12.59% 8.89% 10.24% 7.90% 7.93% 7.68% 7.33% -64.51% Provisions - 16,165.63 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 % Of Sales - 37.96% 41.10% 41.43% 30.91% 33.62% 13.04% 12.81% 13.86% 10.90% 8.66% EBITDA 12,784.33 -4,177.87 -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 EBITDA Margin 75.47% -27.13% -60.05% -76.53% -20.20% -65.56% 18.69% 34.70% 35.09% 44.80% 247.84% Depreciation 0.00 391.96 372.84 521.68 -7.23 289.96 291.08 233.90 189.07 175.05 144.86 PBT -3,228.46 -4,569.82 -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 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 -1,151.67 -1,640.42 -3,161.00 -2,587.00 -818.41 -1,722.63 103.42 834.49 275.79 911.13 1,015.97 Tax Rate 35.67% 35.90% 36.51% 29.87% 33.93% 21.38% 5.58% 23.39% 9.14% 25.41% 28.99% PAT -2,075.39 -2,929.20 -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 PAT before Minority Interest -2,076.79 -2,929.40 -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 Minority Interest 1.40 0.20 -0.48 20.40 21.42 71.66 -1.89 -1.35 1.79 -8.03 -5.54 PAT Margin -8.93% -13.19% -29.58% -36.73% -8.36% -40.36% 11.09% 17.88% 21.23% 22.76% 23.61% PAT Growth -47.32% 0 0 0 0 -458.63% -36.06% -0.43% 2.86% 7.39% Unadjusted EPS -6.34 -8.94 -16.78 -18.47 -4.80 -19.11 5.33 8.34 8.37 8.14 7.58

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Shareholder's Funds 43,816.32 46,319.15 35,540.65 32,487.08 32,317.22 31,446.74 29,923.08 23,918.16 20,961.78 17,290.68 Share Capital 3,277.66 2,760.03 1,743.72 1,055.43 817.29 665.65 643.00 596.64 574.52 547.22 Total Reserves 40,538.65 38,921.13 33,796.93 29,709.72 30,196.28 30,781.09 29,280.08 23,321.51 20,387.27 16,743.46 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 555,504.98 520,862.35 520,854.38 540,032.01 513,004.52 531,906.63 476,974.05 381,839.59 318,216.03 298,885.81 Borrowings 39,752.47 44,241.17 43,588.78 39,405.67 51,083.14 40,057.14 48,427.51 35,367.58 32,114.22 22,021.38 Other Liabilities & Provisions 17,921.72 13,800.17 9,591.03 14,384.52 13,509.04 15,287.25 17,865.55 11,477.39 13,243.43 12,974.69 Total Liabilities 656,995.49 625,222.84 609,574.84 626,309.28 609,913.92 618,697.76 573,190.19 452,602.72 384,535.46 351,172.56 Net Block 8,690.37 8,720.21 8,265.29 8,265.32 8,289.78 5,772.91 5,643.50 2,778.93 2,722.95 2,365.93 Gross Block 11,821.91 11,541.45 11,046.80 10,518.09 11,991.70 8,765.28 8,181.46 4,918.07 4,628.22 4,020.12 Accumulated Depreciation 3,131.54 2,821.24 2,781.51 2,252.77 3,701.93 2,992.36 2,537.96 2,139.14 1,905.26 1,654.19 Total Non-Current Assets 622,894.59 592,376.49 582,639.09 598,658.34 585,659.47 600,383.35 552,054.33 441,686.92 373,069.77 338,759.33 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 291.63 199.82 0.00 196.54 190.53 112.62 142.56 91.20 48.64 114.81 Cash and balance with RBI 29,239.25 29,236.56 31,347.84 27,347.66 33,961.61 27,170.03 19,073.44 21,967.04 14,986.71 21,782.43 Balance with banks and money at call 57,217.05 65,574.92 64,534.66 68,540.29 65,179.68 45,510.19 42,308.85 32,868.82 19,724.54 15,527.56 Investments 158,572.99 147,639.04 137,111.11 127,826.86 118,848.91 119,792.05 114,152.44 94,613.43 86,753.59 85,872.42 Advances 368,883.30 341,005.94 341,380.19 366,481.67 359,188.96 402,025.55 370,733.54 289,367.50 248,833.34 213,096.18 Other Assets 34,100.88 32,846.34 26,935.73 27,650.93 24,254.44 18,314.41 21,135.87 10,915.80 11,465.69 12,413.22 Total Assets 656,995.47 625,222.83 609,574.82 626,309.27 609,913.91 618,697.76 573,190.20 452,602.72 384,535.46 351,172.55 Contingent Liabilities 352,309.91 311,309.21 342,653.99 359,779.43 353,809.32 373,702.59 252,469.30 221,686.80 191,129.71 163,530.58 Bills for collection 25,056.25 28,500.40 32,102.67 31,621.87 26,897.51 26,412.39 21,482.98 24,230.00 19,298.46 12,674.83 Adjusted Book Value 114.42 128.32 172.07 237.77 306.24 419.47 420.87 390.80 351.66 298.56

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Shareholder's Funds 45,073.15 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 Share Capital 3,277.66 2,760.03 1,743.72 1,055.43 817.29 665.65 643.00 596.64 574.52 547.22 Total Reserves 41,795.49 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 Minority Interest 151.42 162.15 159.15 80.98 98.00 167.93 84.00 73.43 62.90 51.24 Deposits 557,386.43 522,554.96 522,996.90 542,352.11 515,722.48 534,482.30 478,695.08 383,130.99 319,412.53 299,559.40 Borrowings 39,752.47 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 Other Liabilities & Provisions 20,655.38 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 Total Liabilities 663,018.85 630,883.90 615,184.34 632,025.95 616,629.23 625,284.75 578,154.60 456,406.79 387,589.24 353,031.86 Net Block 8,765.29 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 Gross Block 11,967.20 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 Accumulated Depreciation 3,201.91 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 Total Non-Current Assets 628,634.03 597,730.43 587,984.08 604,090.51 592,000.37 606,714.81 556,741.69 445,320.13 376,054.67 340,580.74 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 292.69 200.00 158.21 196.66 191.11 112.65 142.64 93.66 60.32 115.68 Cash and balance with RBI 29,446.55 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 Balance with banks and money at call 57,162.51 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 Investments 162,322.91 150,905.02 140,321.07 130,751.26 122,620.91 123,195.53 116,489.74 96,387.76 88,056.87 86,676.59 Advances 370,644.08 342,966.34 343,288.92 368,328.76 361,301.89 404,389.35 372,671.46 290,654.61 249,733.44 213,708.36 Other Assets 34,384.80 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 Total Assets 663,018.83 630,883.91 615,184.34 632,025.95 616,629.24 625,284.74 578,154.60 456,406.79 387,589.24 353,031.85 Contingent Liabilities 352,321.37 311,317.30 342,763.68 359,947.42 354,119.85 374,093.12 252,826.44 221,788.85 191,260.65 163,598.93 Bills for collection 25,063.23 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 Adjusted Book Value 118.10 132.97 178.72 248.06 318.83 435.65 420.87 390.80 351.66 298.56

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Cash From Operating Activity -4,833.93 -9,191.54 -6,423.03 -7,477.58 22,024.51 10,844.53 6,424.50 20,757.02 -2,030.33 5,946.80 PBT -4,602.72 -8,713.41 -8,633.49 -2,372.53 -7,790.77 1,795.06 3,545.05 3,007.74 3,577.51 3,495.38 Adjustment 17,580.77 18,065.55 17,645.17 12,772.41 15,514.86 7,254.99 6,184.97 5,538.05 4,166.98 2,864.00 Adjustments for Liabilities & Assets -16,958.24 -15,157.52 -13,936.51 -19,035.04 14,606.87 2,907.98 -3,055.49 13,949.79 -8,458.91 720.30 Refund/(Payment) of direct taxes -853.74 -3,386.16 -1,498.21 1,157.58 -306.44 -1,113.50 -250.03 -1,738.55 -1,315.91 -1,132.89 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 -350.43 150.82 -499.14 265.30 -427.13 -841.67 -623.51 -301.45 -597.12 -556.64 Net Fixed Assets -372.27 -694.47 -332.17 1467.60 -3304.33 -553.88 -3314.75 -332.41 -541.93 -279.05 Other Investment Activity -11962.72 -12240.41 -10781.50 -11141.76 -13023.90 -9501.41 -8625.47 -5606.39 -5233.50 -4359.64 Cash from Financing Activity -3,170.82 7,969.70 6,916.73 3,958.93 4,863.70 1,295.07 745.44 -330.97 28.72 689.70 Closing Cash & Equivalent 86,456.31 94,811.49 95,882.51 95,887.95 99,141.30 72,680.22 61,382.29 54,835.86 34,711.25 37,309.99 Net Cash Inflow / Outflow -8,355.18 -1,071.02 -5.44 -3,253.35 26,461.08 11,297.93 6,546.43 20,124.60 -2,598.73 6,079.86 Opening Cash & Equivalents 94,811.49 95,882.51 95,887.95 99,141.30 72,680.22 61,382.29 54,835.86 34,711.25 37,309.99 31,230.13

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Cash From Operating Activity -4,827.08 -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 PBT -4,691.46 -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 Adjustment 17,640.55 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 Adjustments for Liabilities & Assets -16,913.34 -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 Refund/(Payment) of direct taxes -862.83 -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 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 -231.80 71.07 -259.89 -371.06 -608.69 -754.66 -813.88 -388.00 -616.66 -720.22 Net Fixed Assets -372.27 -694.47 -332.17 1467.60 -3304.33 -553.88 -3314.75 -332.41 -541.93 -279.05 Other Investment Activity -12042.47 -12001.16 -11417.86 -11323.32 -12936.89 -9691.78 -8712.02 -5625.93 -5397.08 -4150.44 Cash from Financing Activity -3,192.05 7,982.80 7,185.41 3,955.12 4,863.70 1,295.07 745.44 -331.14 28.72 771.30 Closing Cash & Equivalent 86,609.06 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 Net Cash Inflow / Outflow -8,250.94 -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 Opening Cash & Equivalents 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

Financial Ratios

Consolidated /

Standalone

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Book Value 114.42 128.32 172.07 237.77 306.24 419.47 407.62 381.53 343.78 292.24 NIM 2.49 2.34 1.83 2.00 2.03 1.91 1.98 2.06 2.25 2.32 Yield on Advances 11.48 11.96 11.15 10.72 11.64 10.81 10.23 11.03 11.45 10.21 Yield on Investments 7.12 6.45 7.72 9.67 8.16 8.65 8.06 8.15 8.70 6.40 Cost of Liabilities 4.55 4.80 4.88 4.74 5.33 5.61 5.15 5.49 5.76 4.34 Interest Spread 6.93 7.16 6.27 5.98 6.31 5.20 5.07 5.54 5.69 5.86 ROCE -1.31% -5.41% -7.14% 0.86% -6.00% 6.62% 9.95% 10.06% 12.53% 13.85% Cost Income Ratio 47.57 55.82 56.04 47.67 60.75 51.93 44.30 41.69 42.47 48.49 Core Cost Income Ratio 48.87 54.50 61.49 57.95 63.86 55.23 46.76 43.19 44.01 50.03 Operating Costs to Assets 1.59 1.64 1.49 1.42 1.53 1.31 1.17 1.18 1.28 1.44 Loans/Deposits 0.07 0.08 0.08 0.07 0.10 0.08 0.10 0.09 0.10 0.07 Cash/Deposits 0.05 0.06 0.06 0.05 0.07 0.05 0.04 0.06 0.05 0.07 Investment/Deposits 0.29 0.28 0.26 0.24 0.23 0.23 0.24 0.25 0.27 0.29 Inc Loan/Deposits 7.16% 8.49% 8.37% 7.30% 9.96% 7.53% 10.15% 9.26% 10.09% 7.37% Credit Deposits 66.41% 65.47% 65.54% 67.86% 70.02% 75.58% 77.73% 75.78% 78.20% 71.30% Interest Expended / Interest earned 63.98% 66.50% 72.40% 69.90% 71.95% 73.82% 71.43% 71.72% 70.81% 64.09% Interest income / Total funds 6.45% 6.52% 6.25% 6.27% 6.85% 7.03% 6.61% 7.05% 7.41% 6.19% Interest Expended / Total funds 4.12% 4.34% 4.52% 4.39% 4.93% 5.19% 4.72% 5.06% 5.24% 3.97% CASA 36.51% 35.90% 34.11% 31.89% 25.87% 22.30% 22.94% 25.64% 26.65% 25.42%

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Book Value 118.10 132.96 178.72 248.06 318.83 435.65 420.87 390.80 351.66 298.56 NIM 2.49 2.34 1.83 2.01 2.03 1.91 1.99 2.06 2.25 2.33 Yield on Advances 11.49 11.96 11.16 10.75 11.65 10.80 10.23 11.04 11.46 10.23 Yield on Investments 6.99 6.38 7.58 9.51 7.94 8.41 7.92 8.03 8.60 6.37 Cost of Liabilities 4.55 4.80 4.89 4.74 5.34 5.61 5.15 5.49 5.75 4.35 Interest Spread 6.94 7.16 6.28 6.00 6.31 5.20 5.08 5.56 5.71 5.88 ROCE -1.25% -5.26% -7.06% 0.80% -6.25% 6.62% 9.89% 9.99% 12.44% 13.77% Cost Income Ratio 47.79 55.92 56.22 47.74 60.73 52.05 44.68 42.23 42.77 48.69 Core Cost Income Ratio 49.09 54.77 61.61 57.92 63.84 55.33 47.14 43.75 44.32 50.23 Operating Costs to Assets 1.60 1.65 1.51 1.42 1.53 1.31 1.18 1.20 1.29 1.45 Loans/Deposits 0.07 0.08 0.08 0.07 0.10 0.08 0.10 0.09 0.10 0.07 Cash/Deposits 0.05 0.06 0.06 0.05 0.07 0.05 0.04 0.06 0.05 0.07 Investment/Deposits 0.29 0.29 0.27 0.24 0.24 0.23 0.24 0.25 0.28 0.29 Inc Loan/Deposits 7.13% 8.47% 8.34% 7.28% 9.91% 7.50% 10.12% 9.23% 10.06% 7.35% Credit Deposits 66.50% 65.63% 65.64% 67.91% 70.06% 75.66% 77.85% 75.86% 78.19% 71.34% Interest Expended / Interest earned 63.84% 66.35% 72.24% 69.74% 71.85% 73.76% 71.26% 71.54% 70.66% 63.96% Interest income / Total funds 6.42% 6.50% 6.23% 6.26% 6.83% 6.99% 6.59% 7.03% 7.38% 6.19% Interest Expended / Total funds 4.10% 4.31% 4.50% 4.37% 4.90% 5.15% 4.70% 5.03% 5.22% 3.96% CASA 36.45% 35.84% 34.00% 31.83% 25.79% 22.25% 22.92% 25.62% 26.60% 25.40%

Bank Of India

Bank - Public

BSE: 532149 | NSE: BANKINDIA

Stock Summary

Chart

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

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Annual Reports:

News Update

Bank Of India

Bank - Public

BSE: 532149 | NSE: BANKINDIA

Stock Summary

Shareholding Pattern

Chart

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

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Annual Reports:

News Update