Bank of India
BANKINDIA NSE
Bank of India
Banks F&ONSE: BANKINDIA BSE: 532149 Public Sector Bank
Key Fundamentals
MidcapPublic Sector BankBanksMarket Cap
₹64,876 Cr
Volatility
Moderate
P/E Ratio
5.57
EBITDA
₹14,803 Cr
Return on Equity
11.44%
Debt to Equity
0
Book Value
₹182.23
EPS
₹15.14
52W High
₹178.36
52W Low
₹109.85
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Bank of India insights
62 extracted metrics + investor summaries across FY15–FY26.
Tapetide Score
Data-driven rating, 0–100. How it works →
Technical Indicators
Key Insights
Strengths
4- Stock is trading at 0.71 times its book value
- Stock is providing a good dividend yield of 3.27%.
- Company has delivered good profit growth of 39.2% CAGR over last 5 years
- Company has been maintaining a healthy dividend payout of 19.8%
Weaknesses
4- Company has low interest coverage ratio.
- Company has a low return on equity of 11.7% over last 3 years.
- Contingent liabilities of Rs.6,93,361 Cr.
- Company might be capitalizing the interest cost
Growth Rate
Revenue Growth
6.51% ↗
Net Income Growth
7.92% ↗
Cash Flow Change
-74.36% ↘
ROE
-3.13% ↘
ROCE
-3.56% ↘
EBITDA Margin (Avg.)
2.03% ↘
AI Analysis — Bull vs Bear
anthropic claude-opus-4.6 5d agoAI opinion · based on fundamentals
Risk high
Bank of India is a mid-cap PSU bank trading at a market cap of Rs.64,967 Cr with a PE of 5.5x and PB of 0.78x. The bank has delivered strong profit CAGR of 39% over 5 years while offering a dividend yield of 3.28%, but carries significant contingent liabilities of Rs.6,93,361 Cr and a modest ROE of around 12%.
Bull Case 8
- Trading at 0.78x book value, significantly below the 1x threshold, indicating deep value relative to balance sheet assets
- PE ratio of 5.5x is well below the banking sector average, suggesting earnings are available at a discount
- Compounded profit growth of 39% CAGR over 5 years demonstrates a sharp earnings recovery trajectory
- Dividend yield of 3.28% with a consistent payout ratio of 19.8% provides income support to shareholders
- TTM profit growth of 19% indicates continued earnings momentum in the most recent period
- Stock CAGR of 22% over the last 1 year shows improving market sentiment toward the bank
- Revenue has compounded at 16% over 3 years showing improving topline traction after a sluggish decade of 6% growth
- ROE has improved from a 10-year average of 3% to 12% in the last year, reflecting a structural improvement in profitability
Bear Case 8
- Contingent liabilities of Rs.6,93,361 Cr are over 10x the market cap, posing a material risk if even a fraction crystallizes
- Low interest coverage ratio indicates vulnerability to rising funding costs or asset quality deterioration
- 10-year stock CAGR of just 2% suggests prolonged periods of value destruction for long-term holders
- 3-year average ROE of 11.7% remains below the 15%+ threshold typically expected from well-run banks
- 10-year compounded sales growth of only 6% highlights structurally slow topline expansion over a full cycle
- Possible capitalization of interest costs raises questions about the true quality of reported earnings
- 10-year ROE average of just 3% reflects a legacy of NPAs and capital erosion that took years to recover from
- TTM revenue growth has decelerated to 6% from the 3-year CAGR of 16%, suggesting topline momentum may be fading
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
anthropic claude-opus-4.6 19h ago Headwinds 1
- MCLR hike squeezes borrowers Jul 30
Bank of India raised 1-year MCLR by 5 bps from 8.75% to 8.80%, increasing cost for retail and corporate borrowers linked to this benchmark.
Positives 3
- Q1FY27 profit surges 36% Jul 30
Net profit jumped 36% to ₹3,068 crore in Q1FY27, driven by improved asset quality and NII growth. Bank targets 15-16% global advance growth in FY27.
- $1B MTN programme planned Aug 10
Board to meet Aug 14 to approve a USD 1 billion Medium-Term Note Programme via GIFT City in 3/5-year tranches.
- $4.2B international funding target Jul 30
Bank plans to raise $4.2 billion internationally via FCNRs, OFCBs, and ECBs by December 2026, strengthening its foreign currency resource base.
Neutral 2
- New director Raj Kumar Sharma Aug 13
Raj Kumar Sharma appointed Part-time Non-Official Director for a three-year term effective Aug 13, 2026, via Central Government nomination.
- Senior management reshuffle Aug 4
B. Kumar promoted to CGM effective Aug 1 and reassigned along with Vikash Krishna to new CGM roles effective Aug 4, 2026.
TL;DR: Bank of India delivered a strong Q1FY27 with 36% profit growth and is aggressively pursuing international funding ($1B MTN + $4.2B via multiple instruments). The minor MCLR hike is a modest headwind for loan growth but reflects broader rate dynamics. The trend is improving with robust earnings momentum and diversified funding plans through Dec 2026.
Quarterly Results
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 14,442 | 15,062 | 15,319 | 16,250 | 17,046 | 17,466 | 18,317 | 18,479 | 18,467 | 18,521 | 19,052 | 19,573 | 20,097 |
| Expenses | 4,579 | 4,546 | 4,190 | 6,041 | 5,269 | 5,456 | 4,485 | 6,050 | 5,399 | 4,849 | 5,201 | 5,989 | 5,390 |
| Financing Profit | 1,396 | 1,260 | 1,337 | -33 | 1,084 | 607 | 1,666 | 97 | 747 | 1,142 | 1,346 | 800 | 1,551 |
| Fin. Margin % | 10% | 8% | 9% | 0% | 6% | 3% | 9% | 1% | 4% | 6% | 7% | 4% | 8% |
| Other Income | 1,484 | 1,717 | 1,202 | 1,830 | 1,338 | 2,532 | 1,780 | 3,455 | 1,692 | 2,218 | 2,327 | 3,280 | 2,615 |
| Interest | 8,467 | 9,256 | 9,792 | 10,242 | 10,693 | 11,403 | 12,166 | 12,333 | 12,321 | 12,530 | 12,504 | 12,785 | 13,156 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 2,880 | 2,977 | 2,539 | 1,797 | 2,422 | 3,138 | 3,447 | 3,551 | 2,439 | 3,361 | 3,674 | 4,079 | 4,167 |
| Tax % | 48% | 50% | 25% | 17% | 28% | 24% | 26% | 25% | 28% | 25% | 25% | 25% | 25% |
| Net Profit | 1,562 | 1,499 | 1,931 | 1,574 | 1,890 | 2,422 | 2,638 | 2,602 | 1,831 | 2,576 | 2,814 | 3,089 | 3,304 |
| EPS in Rs | 3.81 | 3.65 | 4.24 | 3.46 | 4.15 | 5.32 | 5.79 | 5.72 | 4.02 | 5.66 | 6.18 | 6.78 | 7.25 |
Profit & Loss
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 43,685 | 42,093 | 39,585 | 38,313 | 41,005 | 42,591 | 40,854 | 38,281 | 47,932 | 61,073 | 71,308 | 75,613 | 77,244 |
| Expenses | 13,600 | 19,842 | 21,218 | 24,618 | 26,874 | 26,386 | 17,672 | 16,263 | 21,177 | 18,848 | 20,656 | 20,708 | 21,429 |
| Financing Profit | -2,135 | -7,994 | -9,239 | -13,984 | -13,076 | -10,987 | -3,239 | -2,065 | -686 | 4,469 | 4,057 | 4,766 | 4,840 |
| Fin. Margin % | -5% | -19% | -23% | -36% | -32% | -26% | -8% | -5% | -1% | 7% | 6% | 6% | 6% |
| Other Income | 4,278 | 3,672 | 6,819 | 5,846 | 4,862 | 6,687 | 6,778 | 8,092 | 7,168 | 6,415 | 9,317 | 9,737 | 10,441 |
| Interest | 32,220 | 30,245 | 27,606 | 27,679 | 27,207 | 27,191 | 26,421 | 24,083 | 27,441 | 37,757 | 46,594 | 50,139 | 50,975 |
| Depreciation | 291 | 290 | -7 | 522 | 373 | 392 | 380 | 372 | 427 | 509 | 604 | 731 | 0 |
| PBT | 1,852 | -4,612 | -2,412 | -8,660 | -8,587 | -4,692 | 3,160 | 5,655 | 6,056 | 10,375 | 12,771 | 13,773 | 15,281 |
| Tax % | 6% | 37% | -34% | -30% | -37% | -35% | 34% | 38% | 37% | 37% | 25% | 25% | — |
| Net Profit | 2,015 | -6,276 | -1,492 | -5,982 | -5,426 | -3,051 | 2,081 | 3,487 | 3,839 | 6,567 | 9,552 | 10,309 | 11,783 |
| EPS in Rs | 30.27 | -75.98 | -13.94 | -34.2 | -19.67 | -9.31 | 6.36 | 8.51 | 9.35 | 14.42 | 20.97 | 22.64 | 25.87 |
| Div. Payout % | 17% | 0% | 0% | 0% | 0% | 0% | 0% | 24% | 21% | 19% | 19% | 21% | — |
Balance Sheet
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 666 | 817 | 1,055 | 1,744 | 2,760 | 3,278 | 3,278 | 4,104 | 4,104 | 4,553 | 4,553 | 4,553 |
| Reserves | 31,857 | 32,528 | 32,574 | 35,013 | 44,892 | 41,795 | 46,703 | 52,418 | 56,329 | 66,028 | 76,172 | 85,405 |
| Borrowing | 37,649 | 51,103 | 39,491 | 43,598 | 44,265 | 39,752 | 32,464 | 26,821 | 65,015 | 80,960 | 1,23,869 | 1,18,626 |
| Deposits | 5,36,932 | 5,15,722 | 5,42,352 | 5,22,997 | 5,22,555 | 5,57,386 | 6,29,098 | 6,29,981 | 6,72,194 | 7,40,611 | 8,19,806 | 9,30,973 |
| Other Liabilities | 18,046 | 16,457 | 16,553 | 11,833 | 16,409 | 20,805 | 21,244 | 29,807 | 28,393 | 32,127 | 32,024 | 39,980 |
| Total Liabilities | 6,25,150 | 6,16,628 | 6,32,026 | 6,15,184 | 6,30,881 | 6,63,017 | 7,32,786 | 7,43,131 | 8,26,036 | 9,24,280 | 10,56,425 | 11,79,538 |
| Fixed Assets | 5,802 | 8,382 | 8,349 | 8,192 | 8,799 | 8,765 | 8,637 | 9,570 | 9,950 | 10,178 | 11,865 | 11,670 |
| CWIP | 113 | 191 | 197 | 158 | 200 | 293 | 364 | 286 | 110 | 150 | 182 | 207 |
| Investments | 1,23,196 | 1,22,621 | 1,30,751 | 1,40,321 | 1,50,905 | 1,62,323 | 1,91,693 | 1,80,274 | 2,11,324 | 2,34,592 | 2,68,002 | 2,79,084 |
| Other Assets | 4,96,040 | 4,85,435 | 4,92,729 | 4,66,513 | 4,70,977 | 4,91,636 | 5,32,092 | 5,53,001 | 6,04,652 | 6,79,361 | 7,76,376 | 8,88,577 |
| Total Assets | 6,25,150 | 6,16,628 | 6,32,026 | 6,15,184 | 6,30,881 | 6,63,017 | 7,32,786 | 7,43,131 | 8,26,036 | 9,24,280 | 10,56,425 | 11,79,538 |
Cash Flow
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | 14,638 | 18,311 | -6,624 | -7,366 | -9,218 | -4,827 | 37,868 | -35,487 | -7,045 | -4,437 | 18,534 | 4,753 |
| Investing | -755 | -609 | -371 | -260 | 71 | -232 | -182 | -644 | -521 | -991 | -854 | -329 |
| Financing | 1,295 | 4,864 | 3,955 | 7,185 | 7,983 | -3,192 | 2,398 | 1,146 | 541 | 3,868 | 34 | -5,672 |
| Net Cash Flow | 15,179 | 22,566 | -3,040 | -440 | -1,164 | -8,251 | 40,085 | -34,985 | -7,026 | -1,560 | 17,714 | -1,248 |
| Free Cash Flow | 14,066 | 17,814 | -6,910 | -7,620 | -9,090 | -5,184 | 37,538 | -36,035 | -7,569 | -5,264 | 17,861 | 3,907 |
| CFO/OP | 52 | 84 | -42 | -43 | -41 | -24 | 160 | -159 | -28 | -13 | 37 | 9 |
Ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 6% | -19% | -4% | -17% | -14% | -7% | 4% | 6% | 6% | 10% | 12% | 12% |
Documents
Frequently Asked Questions about Bank of India
What does Bank of India do?
Bank of India is an India-based bank. The Bank's segments include Treasury Operations, Wholesale Banking and Retail Banking. The Treasury operations segment includes the entire investment portfolio, which is dealing in government and other securities, money market operations and foreign exchange ...
Where is Bank of India (BANKINDIA) listed?
Bank of India is listed on the Indian stock exchanges. It is listed on NSE: BANKINDIA and BSE: 532149. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Bank of India belong to?
Bank of India operates in the Banks sector within the Public Sector Bank industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Bank of India?
Bank of India has a market capitalisation of approximately ₹64875.52 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Bank of India?
The Price-to-Earnings (PE) ratio of Bank of India is 5.57. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Bank of India?
Over the past 52 weeks, Bank of India has traded between a low of ₹109.85 and a high of ₹178.36. This range helps investors understand the stock's price volatility and recent trading levels.
Does Bank of India pay dividends?
Yes, Bank of India has a dividend yield of 3.27%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Bank of India?
Bank of India has a Return on Equity (ROE) of 11.44%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Bank of India on Tapetide?
On Tapetide, you can view Bank of India's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.
Company Information
Bank of India is an India-based bank. The Bank's segments include Treasury Operations, Wholesale Banking and Retail Banking. The Treasury operations segment includes the entire investment portfolio, which is dealing in government and other securities, money market operations and foreign exchange operations.(Source : Company Web-site )
Website bankofindia.co.in
CEO Mr. Rajneesh Karnatak
Employees 50,564
Listed 1997-04-30
Face Value ₹ 10
Issued Size 4,55,26,67,866