Bank Of India

•

bankofindia.co.in / www.bankofindia.bank.inBSE: 532149NSE: BANKINDIA

Market Cap₹ 64,648 Cr.

Current Price

High / Low₹ 178 / 116

Stock P/E5.5

Book Value₹ 182

Price to Book0.76

Dividend Yield3.27 %

ROCE11.0 %

ROE13.1 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Other Retail Banking-Retail Banking Operations: 38.4% • Wholesale Banking Operations: 34.5% • Treasury Operations: 27.1%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 35.6% CAGR over last 5 years
Comfortable capital adequacy - CAR of 18.0%
Asset quality is healthy - gross NPA of just 2.0%
Company has consistently been profitable over the last 5 years
Latest quarter profit grew 77.9% YoY, showing strong momentum
Strong provisioning - provision coverage ratio of 93.8%

CONS

A large part of profit comes from other income (74.1% of PBT)
Operating margins have contracted to 22.8% from 27.8%
Equity base is being diluted - shares outstanding up 10.9%
Thin net interest margin of 2.2%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesBankBank - Public

Part ofNIFTYM150MOMNTM50 NIFTY ALPHA 50 NIFTY DIV OPPS 50 NIFTYLARGEMIDCAP250 NIFTYMIDCAP150

S.No.	Name
1.	SBIN	1004.50	10.76	927215.54	1.73	24579.04	13.65	136240.49	8.36	12.16	52.34
2.	UNIONBANK	180.80	6.69	138015.59	2.77	5368.17	29.77	27427.10	1.21	14.57	69.42
3.	PNB	116.85	6.08	134295.04	2.57	5339.15	191.40	33589.17	3.12	13.26	75.40
4.	BANKBARODA	238.00	6.78	123078.42	3.57	1572.59	-53.08	35114.52	6.84	11.20	33.10
5.	INDIANB	860.00	9.06	115838.90	2.12	3299.48	48.73	18095.14	11.11	16.28	67.14
6.	CANBK	124.20	5.67	112657.49	3.38	4864.08	61.96	32957.16	4.55	14.46	68.47
7.	MAHABANK	84.10	8.58	64685.98	2.62	2020.54	26.83	8034.65	13.90	16.53	68.61
8.	BANKINDIA	142.00	5.49	64647.88	3.27	3138.46	77.92	20096.90	8.83	10.97	73.18
9.	IOB	32.83	10.61	63219.38	0.00	1659.24	49.25	8777.57	18.82	11.31	54.56
10.	UCOBANK	23.92	12.15	29994.63	1.84	652.43	24.09	6744.59	15.10	11.00	54.71
11.	CENTRALBK	30.79	6.11	27869.26	3.90	1328.95	5.43	9725.90	12.79	8.27	67.83
12.	PSB	22.59	11.58	16028.93	1.73	331.51	23.16	3213.37	10.40	9.07	71.38

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	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
	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
Interest Expended	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
Net Interest Income	5,975	5,806	5,527	6,009	6,353	6,063	6,152	6,146	6,146	5,992	6,548	6,789	6,941
	1,484	1,717	1,202	1,830	1,338	2,532	1,780	3,455	2,211	2,218	2,327	3,280	2,615
Total Income	0	0	0	0	18,384	19,998	20,098	21,934	20,678	20,740	21,379	22,853	22,712
Operating Expenses	0	0	0	0	39,637	43,941	41,687	46,834	42,869	43,575	46,194	49,868	4,418
Operating Profit	0	0	0	0	37,270	42,006	37,632	49,175	40,699	38,525	42,556	50,815	5,138
Provisions & Contingencies	0	0	0	0	13,050	10,623	3,165	13,663	11,121	4,917	5,820	10,022	971
Profit before Tax	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 %	47.87%	50.00%	25.34%	16.58%	28.40%	23.57%	25.76%	25.45%	27.68%	24.85%	25.14%	25.24%	24.68%
Net Profit	0	0	0	0	1,734	2,399	2,559	2,648	1,764	2,526	2,750	3,050	3,138
EPS	4	4	5	3	4	5	6	6	4	6	6	7	1

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	61,073	71,308	75,613	—
Interest Expended	27,606	27,679	27,207	27,191	26,421	24,083	27,441	37,757	46,594	50,139	50,975
Net Interest Income	-27,606	-27,679	-27,207	-27,191	-26,421	-24,083	-27,441	23,317	24,714	25,474	—
	6,819	5,846	4,791	6,809	6,897	8,011	7,211	6,233	9,105	10,036	10,441
Total Income	0	0	0	0	0	0	0	67,306	80,412	85,650	87,684
	0	0	0	0	0	0	0	15,306	17,210	18,251	—
Operating Profit	-27,606	-27,679	-27,207	-27,191	-26,421	-24,083	-27,441	14,243	16,608	17,260	—
	121	1,469	1,066	342	869	397	6,531	4,050	4,050	3,707	—
Profit before Tax	-2,412	-8,660	-8,658	-4,570	3,278	5,574	6,099	10,193	12,558	13,553	15,281
Tax %	-0.00%	-0.00%	-0.00%	-0.00%	0.00%	0.00%	0.00%	37.36%	25.63%	25.56%	24.98%
Net Profit	-1,594	-6,073	-5,497	-2,929	2,199	3,406	3,882	6,385	9,339	10,089	11,464
EPS	-15	-52	-29	-9	6	9	9	14	21	23	—

COMPOUNDED SALES GROWTH

10 Years:: 6%
5 Years:: 13%
3 Years:: 16%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 38%
3 Years:: 39%

STOCK PRICE CAGR

10 Years:: 2%
5 Years:: 20%
3 Years:: 12%
1 Year:: 19%

RETURN ON EQUITY

10 Years:: 1%
5 Years:: 11%
3 Years:: 13%
Last Year:: 13%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
Equity Capital	1,055	1,743	2,759	3,277	3,277	4,104	4,104	4,553	4,553	4,553
	30,852	35,013	40,254	41,795	43,703	52,418	56,329	66,028	76,172	85,405
	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
	39,491	43,598	44,265	39,752	32,464	26,821	65,015	80,960	1,23,869	1,18,626
Other Liabilities & Provisions	16,472	11,674	16,250	20,655	21,088	29,678	28,237	31,967	31,862	39,815
Total Liabilities	6,32,026	6,15,184	6,30,884	6,63,019	7,32,790	7,43,131	8,26,036	92	106	118
ASSETS	-	-	-	-	-	-	-	-	-	-
	27,544	31,575	29,322	29,447	60,930	40,530	44,382	38,894	52,126	47,660
Balances with Banks & Money at Call	68,920	64,449	65,538	57,163	65,763	51,179	40,302	44,229	48,711	51,929
	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
	3,68,329	3,43,289	3,42,966	3,70,644	3,67,667	4,23,001	4,88,688	5,66,644	6,53,518	7,64,651
	8,349	8,192	8,799	8,765	8,637	9,570	9,950	10,178	11,865	11,670
	27,935	27,200	33,153	34,385	37,735	38,291	31,281	29,594	22,020	24,350
Total Assets	6,32,026	6,15,184	6,30,884	6,63,019	7,32,790	7,43,131	8,26,036	92	106	118

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-6,624	-7,366	-9,218	-4,827	37,868	-35,487	-7,045	-4,437	18,534	4,753
Cash from Investing	-371	-260	71	-232	-182	-644	-521	-991	-854	-329
Cash from Financing	3,955	7,185	7,983	-3,192	2,398	1,146	541	3,868	34	-5,672
	-3,040	-440	-1,164	-8,251	40,085	-34,985	-7,026	-1,560	17,714	-1,248

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	-13.94	-34.20	-19.67	-9.31	6.36	8.51	9.35	14.42	20.97	22.64
Book Value (₹)	248.06	178.72	132.96	118.10	124.13	120.72	130.32	139.93	159.03	179.97
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	2.00	2.00	2.80	4.05	4.65
PROFITABILITY
Net Interest Margin %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.64%	2.42%	2.23%
ROA %	-0.26%	-0.97%	-0.88%	-0.45%	0.32%	0.46%	0.49%	0.73%	0.94%	0.90%
ROE %	-6.11%	-21.19%	-16.21%	-7.77%	5.54%	7.55%	7.54%	10.90%	13.72%	13.07%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	51.80%	50.89%	51.40%
ASSET QUALITY
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	92.39%	93.57%
Slippage Ratio %	—	—	—	—	—	—	—	—	—	—
BALANCE SHEET & LIQUIDITY
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	37.11%	34.77%	32.81%
Credit-Deposit Ratio %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.11%	0.15%	0.13%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
GROWTH & VALUATION
Net Profit Growth %	74.84%	-281.04%	9.48%	46.71%	175.06%	54.91%	13.97%	64.46%	46.28%	8.03%
Book Value Growth %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	7.37%	13.65%	13.16%
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	9.50x	5.11x	6.05x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.98x	0.67x	0.76x
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.04%	3.78%	3.39%

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	73.38	73.38	73.38	73.38	73.38	73.38	73.38	73.38	73.38
	3.61	3.21	2.92	3.88	3.53	4.24	5.82	7.26	6.87
	15.46	16.26	16.40	15.90	15.97	15.63	15.18	13.96	13.96
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	7.55	7.14	7.29	6.83	7.12	6.75	5.62	5.39	5.78

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-10

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-10 - Bank Of India has informed the Exchange about Analyst/Investor Meet on 10.09.2026

2026-09-09

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-09 - Bank Of India has informed the Exchange about outcome of Meet

2026-09-08

Investor Presentation

2026-09-08 - Bank Of India has informed the Exchange about Investor Presentation

2026-09-08

Credit Rating

2026-09-08 - Bank Of India has informed the Exchange about Credit Rating

2026-09-07

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-07 - Bank Of India has informed the Exchange about Analyst/Investor Meet as on 07-09-2026

2026-09-04

General Updates

2026-09-04 - Bank Of India has informed the Exchange about Schedule of Non-deal Roadshow with respect to fund raising through EMTN Program

2026-09-04

Copy of Newspaper Publication

2026-09-04 - Bank Of India has informed the Exchange about Copy of Newspaper Publication-Intimation to Bond Holders for exercising call option by the Bank for Bond Series (INE084A08151) and Fixation of Record Date.

2026-09-04

General Updates

2026-09-04 - Bank Of India has informed the Exchange about Notice of Strike

2026-09-03

General Updates

2026-09-03 - Bank Of India has informed the Exchange about Redemption of Basel III compliant Tier II Bonds - Intimation of Record Date.

News

Recent coverage and analyst commentary for BANKINDIA

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Name

SBIN

1004.50

10.76

927215.54

1.73

24579.04

13.65

136240.49

8.36

12.16

52.34

UNIONBANK

180.80

6.69

138015.59

2.77

5368.17

29.77

27427.10

1.21

14.57

69.42

PNB

116.85

6.08

134295.04

2.57

5339.15

191.40

33589.17

3.12

13.26

75.40

BANKBARODA

238.00

6.78

123078.42

3.57

1572.59

-53.08

35114.52

6.84

11.20

33.10

INDIANB

860.00

9.06

115838.90

2.12

3299.48

48.73

18095.14

11.11

16.28

67.14

CANBK

124.20

5.67

112657.49

3.38

4864.08

61.96

32957.16

4.55

14.46

68.47

MAHABANK

84.10

8.58

64685.98

2.62

2020.54

26.83

8034.65

13.90

16.53

68.61

BANKINDIA

142.00

5.49

64647.88

3.27

3138.46

77.92

20096.90

8.83

10.97

73.18

IOB

32.83

10.61

63219.38

0.00

1659.24

49.25

8777.57

18.82

11.31

54.56

UCOBANK

23.92

12.15

29994.63

1.84

652.43

24.09

6744.59

15.10

11.00

54.71

CENTRALBK

30.79

6.11

27869.26

3.90

1328.95

5.43

9725.90

12.79

8.27

67.83

PSB

22.59

11.58

16028.93

1.73

331.51

23.16

3213.37

10.40

9.07

71.38

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

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

Interest Expended

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

Net Interest Income

5,975

5,806

5,527

6,009

6,353

6,063

6,152

6,146

5,992

6,548

6,789

6,941

1,484

1,717

1,202

1,830

1,338

2,532

1,780

3,455

2,211

2,218

2,327

3,280

2,615

Total Income

18,384

19,998

20,098

21,934

20,678

20,740

21,379

22,853

22,712

Operating Expenses

39,637

43,941

41,687

46,834

42,869

43,575

46,194

49,868

4,418

Operating Profit

37,270

42,006

37,632

49,175

40,699

38,525

42,556

50,815

5,138

Provisions & Contingencies

13,050

10,623

3,165

13,663

11,121

4,917

5,820

10,022

971

Profit before Tax

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 %

47.87%

50.00%

25.34%

16.58%

28.40%

23.57%

25.76%

25.45%

27.68%

24.85%

25.14%

25.24%

24.68%

Net Profit

1,734

2,399

2,559

2,648

1,764

2,526

2,750

3,050

3,138

EPS

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

61,073

71,308

75,613

—

Interest Expended

27,606

27,679

27,207

27,191

26,421

24,083

27,441

37,757

46,594

50,139

50,975

Net Interest Income

-27,606

-27,679

-27,207

-27,191

-26,421

-24,083

-27,441

23,317

24,714

25,474

—

6,819

5,846

4,791

6,809

6,897

8,011

7,211

6,233

9,105

10,036

10,441

Total Income

67,306

80,412

85,650

87,684

15,306

17,210

18,251

—

Operating Profit

-27,606

-27,679

-27,207

-27,191

-26,421

-24,083

-27,441

14,243

16,608

17,260

—

121

1,469

1,066

342

869

397

6,531

4,050

3,707

—

Profit before Tax

-2,412

-8,660

-8,658

-4,570

3,278

5,574

6,099

10,193

12,558

13,553

15,281

Tax %

-0.00%

0.00%

37.36%

25.63%

25.56%

24.98%

Net Profit

-1,594

-6,073

-5,497

-2,929

2,199

3,406

3,882

6,385

9,339

10,089

11,464

EPS

-15

-52

-29

-9

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

LIABILITIES

Equity Capital

1,055

1,743

2,759

3,277

4,104

4,553

30,852

35,013

40,254

41,795

43,703

52,418

56,329

66,028

76,172

85,405

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

39,491

43,598

44,265

39,752

32,464

26,821

65,015

80,960

1,23,869

1,18,626

Other Liabilities & Provisions

16,472

11,674

16,250

20,655

21,088

29,678

28,237

31,967

31,862

39,815

Total Liabilities

6,32,026

6,15,184

6,30,884

6,63,019

7,32,790

7,43,131

8,26,036

106

118

ASSETS

27,544

31,575

29,322

29,447

60,930

40,530

44,382

38,894

52,126

47,660

Balances with Banks & Money at Call

68,920

64,449

65,538

57,163

65,763

51,179

40,302

44,229

48,711

51,929

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

3,68,329

3,43,289

3,42,966

3,70,644

3,67,667

4,23,001

4,88,688

5,66,644

6,53,518

7,64,651

8,349

8,192

8,799

8,765

8,637

9,570

9,950

10,178

11,865

11,670

27,935

27,200

33,153

34,385

37,735

38,291

31,281

29,594

22,020

24,350

Total Assets

6,32,026

6,15,184

6,30,884

6,63,019

7,32,790

7,43,131

8,26,036

106

118

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-6,624

-7,366

-9,218

-4,827

37,868

-35,487

-7,045

-4,437

18,534

4,753

Cash from Investing

-371

-260

-232

-182

-644

-521

-991

-854

-329

Cash from Financing

3,955

7,185

7,983

-3,192

2,398

1,146

541

3,868

-5,672

-3,040

-440

-1,164

-8,251

40,085

-34,985

-7,026

-1,560

17,714

-1,248

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

PER SHARE

EPS (₹)

-13.94

-34.20

-19.67

-9.31

6.36

8.51

9.35

14.42

20.97

22.64

Book Value (₹)

248.06

178.72

132.96

118.10

124.13

120.72

130.32

139.93

159.03

179.97

Dividend per Share (₹)

0.00

2.00

2.80

4.05

4.65

PROFITABILITY

Net Interest Margin %

0.00%

2.64%

2.42%

2.23%

ROA %

-0.26%

-0.97%

-0.88%

-0.45%

0.32%

0.46%

0.49%

0.73%

0.94%

0.90%

ROE %

-6.11%

-21.19%

-16.21%

-7.77%

5.54%

7.55%

7.54%

10.90%

13.72%

13.07%

0.00%

51.80%

50.89%

51.40%

ASSET QUALITY

Gross NPA %

0.00%

Net NPA %

0.00%

Provision Coverage %

0.00%

92.39%

93.57%

Slippage Ratio %

—

BALANCE SHEET & LIQUIDITY

CASA %

0.00%

37.11%

34.77%

32.81%

Credit-Deposit Ratio %

0.00%

0.11%

0.15%

0.13%

0.00%

GROWTH & VALUATION

Net Profit Growth %

74.84%

-281.04%

9.48%

46.71%

175.06%

54.91%

13.97%

64.46%

46.28%

8.03%

Book Value Growth %

0.00%

7.37%

13.65%

13.16%

P/E (x)

0.00x

9.50x

5.11x

6.05x

P/B (x)

0.00x

0.98x

0.67x

0.76x

0.00%

2.04%

3.78%

3.39%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

73.38

3.61

3.21

2.92

3.88

3.53

4.24

5.82

7.26

6.87

15.46

16.26

16.40

15.90

15.97

15.63

15.18

13.96

Government

0.00

7.55

7.14

7.29

6.83

7.12

6.75

5.62

5.39

5.78

Bank Of India

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AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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