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Bank Of India

•
bankofindia.co.in / www.bankofindia.bank.inBSE: 532149NSE: BANKINDIA
Market Cap₹ 63,646 Cr.
Current Price
High / Low₹ 178 / 116
Stock P/E5.6
Book Value₹ 178
Price to Book0.78
Dividend Yield3.33 %
ROCE11.3 %
ROE14.0 %
Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Other Retail Banking-Retail Banking Operations: 38.6% • Wholesale Banking Operations: 34.1% • Treasury Operations: 27.3%

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 37.3% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 18.0%
  • Asset quality is healthy - gross NPA of just 2.0%
  • Strong provisioning - provision coverage ratio of 93.8%
  • Latest quarter profit grew 36.2% YoY, showing strong momentum
  • Healthy loan book growth of 17.0% with stable asset quality

CONS

  • A large part of profit comes from other income (70.8% of PBT)
  • Operating margins have contracted to 22.7% from 28.1%
  • 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 ofNIFTYM150MOMNTM50NIFTY ALPHA 50NIFTY DIV OPPS 50NIFTYLARGEMIDCAP250NIFTYMIDCAP150
S.No.Name
1.SBIN997.0010.68920292.571.7424579.0413.65136240.498.3612.1652.34
2.UNIONBANK178.006.58135878.182.815368.1729.7727427.101.2114.5769.42
3.PNB116.656.07134065.182.575339.15191.4033589.173.1213.2675.40
4.BANKBARODA237.806.77122974.993.571572.59-53.0835114.526.8411.2033.10
5.INDIANB852.908.99114882.562.143299.4848.7318095.1411.1116.2867.14
6.CANBK123.905.66112385.373.394864.0861.9632957.164.5514.4668.47
7.MAHABANK84.178.5964739.822.612020.5426.838034.6513.9016.5368.61
8.IOB33.1310.7163797.080.001659.2449.258777.5718.8211.3154.56
9.BANKINDIA139.805.4063646.303.333138.4677.9220096.908.8310.9773.18
10.UCOBANK23.9812.1830069.861.83652.4324.096744.5915.1011.0054.71
11.CENTRALBK30.756.1027833.063.901328.955.439725.9012.798.2767.83
12.PSB22.7811.6816163.741.71331.5123.163213.3710.409.0771.38
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
14,35914,97115,21816,16216,93817,35518,21118,32318,35218,40618,92719,47619,949
Interest Expended8,4459,2329,75510,22610,66211,36912,14012,26012,28412,49212,46612,74613,117
Net Interest Income5,9145,7405,4635,9366,2765,9856,0706,0636,0685,9146,4616,7306,833
1,4621,6881,1931,7511,3022,5181,7463,4282,1662,2202,2793,2102,579
Total Income000018,38419,99820,09821,93420,67820,74021,37922,85322,528
Operating Expenses3,6253,6723,6534,1303,9004,3554,1144,6054,2254,3134,5474,9144,361
Operating Profit3,7523,7563,0043,5573,6774,1473,7034,8854,0093,8214,1935,0265,051
Provisions & Contingencies8248185011,8261,2931,0433041,3381,096441576990964
Profit before Tax2,9282,9372,5031,7312,3843,1043,3993,5472,9133,3803,6174,0364,087
Tax %47.02%50.35%25.30%16.88%28.58%23.54%25.96%25.97%22.70%24.41%25.22%25.28%24.94%
Net Profit1,5511,4581,8701,4391,7032,3742,5172,6262,2522,5552,7053,0163,068
EPS4443456656671

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
000000060,70970,82675,161—
Interest Expended27,46527,56527,11027,09626,33024,01427,37337,65746,43249,98950,821
Net Interest Income-27,465-27,565-27,110-27,096-26,330-24,014-27,37323,05324,39425,173—
6,7725,7344,6596,7136,8427,8797,1006,0958,9949,87410,287
Total Income000000066,80479,82085,03687,500
000000015,07916,97517,998—
Operating Profit-27,465-27,565-27,110-27,096-26,330-24,014-27,37314,06916,41217,049—
1211,4691,0643428693976,4643,9703,9783,103—
Profit before Tax-2,373-8,633-8,713-4,6033,2375,5676,22910,09912,43413,94615,120
Tax %-0.00%-0.00%-0.00%-0.00%0.00%0.00%0.00%37.44%25.86%24.51%24.98%
Net Profit-1,558-6,044-5,547-2,9572,1603,4054,0236,3189,21910,52711,343
EPS-16-53-30-97910142023—

COMPOUNDED SALES GROWTH

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

COMPOUNDED PROFIT GROWTH

10 Years:
—
5 Years:
37%
3 Years:
38%

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:
14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

2026

May 29

₹ 0.46

Rs.4.6500 per share(46.5%)Dividend

2025

Jun 20

₹ 0.40

Rs.4.0500 per share(40.5%)Final Dividend

2024

Jun 18

₹ 0.28

Rs.2.8000 per share(28%)Dividend

2023

Jun 20

₹ 0.20

Rs.2.0000 per share(20%)Dividend

2022

Jul 7

₹ 0.20

Rs.2.0000 per share(20%)Final Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
LIABILITIES----------
Equity Capital1,0551,7432,7593,2773,2774,1044,1044,5534,5534,553
29,71033,79738,92140,53942,40851,02754,86664,32774,04883,437
5,40,0325,20,8545,20,8625,55,5056,27,1146,27,8966,69,5867,37,9208,16,5419,27,271
39,40643,58944,24139,75232,46426,76064,97980,9241,23,8561,18,592
Other Liabilities & Provisions14,3859,59113,80017,92217,59324,82622,02024,87323,58329,580
Total Liabilities6,26,3096,09,5756,25,2236,56,9957,25,8567,34,6148,15,55691104116
ASSETS----------
27,34831,34829,23729,23960,69840,28144,03538,55651,73047,300
Balances with Banks & Money at Call68,54064,53565,57557,21765,88351,27740,36144,38148,55051,605
1,27,8271,37,1111,47,6391,58,5731,87,2531,74,4482,04,3982,27,1442,59,1122,68,629
3,66,4823,41,3803,41,0063,68,8833,65,6874,20,8424,85,9005,63,1456,49,6577,60,335
8,2652,2028,7208,6908,5509,4909,85210,07911,76011,547
27,65126,93632,84634,10137,42237,99130,90229,14521,59323,814
Total Assets6,26,3096,09,5756,25,2236,56,9957,25,8567,34,6148,15,55691104116

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-7,478-6,423-9,192-4,83438,063-35,316-5,799-2,93318,2424,626
Cash from Investing265-499151-350-337-835-1,345-1,890-821-207
Cash from Financing3,9596,9177,970-3,1712,3981,128-183,365-77-5,795
-3,253-5-1,071-8,35540,124-35,023-7,162-1,45817,344-1,376

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
PER SHARE
EPS (₹)-14.78-34.67-20.10-9.026.598.309.8013.8820.2523.12
Book Value (₹)237.77172.07128.32114.42120.34117.47126.90136.32154.49175.79
Dividend per Share (₹)0.000.000.000.000.002.002.002.804.054.65
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 %-0.25%-0.98%-0.90%-0.46%0.31%0.47%0.52%0.73%0.94%0.95%
ROE %-6.22%-21.95%-16.96%-8.11%5.62%7.77%8.02%11.07%13.93%14.00%
0.00%0.00%0.00%0.00%0.00%0.00%0.00%51.73%50.84%51.35%
ASSET QUALITY
Gross NPA %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%2.92%
Net NPA %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.75%
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%37.18%34.84%32.87%
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%16.96%17.77%18.01%
GROWTH & VALUATION
Net Profit Growth %74.41%-287.84%8.22%46.69%173.06%57.60%18.16%57.05%45.92%14.19%
Book Value Growth %0.00%0.00%0.00%0.00%0.00%0.00%0.00%7.42%13.33%13.78%
P/E (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x9.87x5.29x5.93x
P/B (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x1.00x0.69x0.78x
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 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
73.3873.3873.3873.3873.3873.3873.3873.3873.38
3.613.212.923.883.534.245.827.266.87
15.4616.2616.4015.9015.9715.6315.1813.9613.96
Government0.000.000.000.000.000.000.000.000.00
7.557.147.296.837.126.755.625.395.78

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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