Bank Of India Financials
NSE: BANKINDIA | BSE: 532149
₹141.00
As on 10-Sep-2026IST
Market cap
₹64,648 Cr
Revenue (TTM)
₹77,244 Cr
P/E Ratio
5.5
P/B Ratio
0.8
Div. Yield
3.3 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Interest Earned
|
77,243.58
|
75,613.28
|
71,307.71
|
61,073.34
|
47,931.69
|
38,280.91
|
|||||
|
Other Income
|
10,440.65
|
10,036.29
|
9,104.73
|
6,233.13
|
7,211.17
|
8,010.54
|
|||||
|
Total Income
|
87,684.23
|
85,649.56
|
80,412.44
|
67,306.47
|
55,142.86
|
46,291.46
|
|||||
|
Interest Expended
|
50,974.51
|
50,139.49
|
46,594.18
|
37,756.78
|
27,440.64
|
24,083.43
|
|||||
|
Operating Expenses
|
18,382.15
|
18,250.55
|
17,209.91
|
15,306.20
|
14,373.54
|
12,170.10
|
|||||
|
Operating Profit before Prov. & Cont.
|
18,327.57
|
17,259.51
|
16,608.35
|
14,243.49
|
13,328.68
|
10,037.92
|
|||||
|
Provisions and Contingencies
|
3,047.01
|
3,706.81
|
4,050.02
|
4,050.36
|
7,229.97
|
4,464.27
|
|||||
|
Profit Before Tax
|
15,280.56
|
13,552.70
|
12,558.33
|
10,193.13
|
6,098.71
|
5,573.65
|
|||||
|
Taxes
|
3,816.79
|
3,463.44
|
3,218.86
|
3,808.60
|
2,216.62
|
2,167.53
|
|||||
|
Profit after Tax
|
11,463.77
|
10,089.26
|
9,339.47
|
6,384.53
|
3,882.09
|
3,406.12
|
|||||
|
Minority Interest
|
-3.41
|
-2.95
|
-3.89
|
-2.11
|
-1.38
|
5.27
|
|||||
|
Share of Associate
|
318.96
|
219.99
|
212.70
|
182.04
|
-42.75
|
81.19
|
|||||
|
Consolidated Profit
|
11,779.32
|
10,306.30
|
9,548.28
|
6,564.46
|
3,837.96
|
3,492.57
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
90,989.65
|
89,958.55
|
80,725.75
|
70,581.25
|
60,432.94
|
56,521.85
|
|||||
|
Minority Interest
|
-3.41
|
178.32
|
161.57
|
160.81
|
156.51
|
129.50
|
|||||
|
Deposits
|
9,61,286.40
|
9,30,973.41
|
8,19,805.98
|
7,40,611.44
|
6,72,194.12
|
6,29,980.75
|
|||||
|
Borrowings
|
1,15,375.75
|
1,18,625.89
|
1,23,869.46
|
80,960.27
|
65,015.23
|
26,821.12
|
|||||
|
Other Liabilities & Provisions
|
41,501.21
|
39,815.43
|
31,862.25
|
31,966.58
|
28,236.95
|
29,678.12
|
|||||
|
Total Liabilities
|
12,09,323.71
|
11,79,551.59
|
10,56,425.01
|
9,24,280.35
|
8,26,035.75
|
7,43,131.33
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash and Balance with Reserve Bank of India
|
47,393.57
|
47,660.42
|
52,125.83
|
38,893.95
|
44,381.55
|
40,530.32
|
|||||
|
Balances with Banks and Money at Call
|
54,853.93
|
51,928.96
|
48,711.33
|
44,229.02
|
40,301.73
|
51,178.57
|
|||||
|
Investments
|
2,80,505.61
|
2,79,083.73
|
2,68,002.29
|
2,34,591.98
|
2,11,323.55
|
1,80,273.95
|
|||||
|
Advances
|
7,91,729.33
|
7,64,651.47
|
6,53,518.22
|
5,66,643.78
|
4,88,687.70
|
4,23,001.14
|
|||||
|
Net Block
|
11,769.93
|
11,670.44
|
11,865.11
|
10,177.51
|
9,950.13
|
9,570.11
|
|||||
|
Other Assets
|
23,071.34
|
24,349.92
|
22,020.39
|
29,594.10
|
31,280.66
|
38,291.24
|
|||||
|
Miscellaneous Exp. Not Written Off
|
--
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Total Assets
|
12,09,323.71
|
11,79,551.59
|
10,56,425.01
|
9,24,280.35
|
8,26,035.75
|
7,43,131.33
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
4,752.86
|
18,534.45
|
-4,436.94
|
-7,045.04
|
-35,486.91
|
|||||
|
Cash Flow from Investing Activities
|
--
|
-328.56
|
-854.48
|
-991.05
|
-521.34
|
-643.95
|
|||||
|
Cash from Financing Activities
|
--
|
-5,672.09
|
34.24
|
3,867.67
|
540.77
|
1,146.13
|
|||||
|
Net Cash Inflow / Outflow
|
--
|
-1,247.79
|
17,714.21
|
-1,560.32
|
-7,025.61
|
-34,984.73
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
25.87
|
22.64
|
20.97
|
14.42
|
9.35
|
8.51
|
|||||
|
Cash EPS (₹)
|
25.87
|
23.77
|
21.84
|
15.14
|
10.50
|
9.21
|
|||||
|
Adjusted Book Value (₹)
|
182.23
|
179.97
|
159.03
|
139.93
|
130.32
|
120.72
|
|||||
|
Dividend per Share (₹)
|
3.27
|
4.65
|
4.05
|
2.80
|
2.00
|
2.00
|
|||||
|
Cash Flow per Share (₹)
|
--
|
10.44
|
40.71
|
-9.75
|
-17.17
|
-86.48
|
|||||
|
Free Cash Flow per Share (₹)
|
--
|
-10.97
|
20.40
|
-33.68
|
-40.31
|
-105.10
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Yield on Advances
|
--
|
9.89
|
10.91
|
10.78
|
9.81
|
9.05
|
|||||
|
Yield on Investments
|
--
|
7.29
|
7.13
|
6.38
|
5.82
|
6.97
|
|||||
|
Interest Spread
|
--
|
5.11
|
5.97
|
6.18
|
6.09
|
5.38
|
|||||
|
NIM (%)
|
--
|
2.23
|
2.42
|
2.64
|
2.61
|
2.04
|
|||||
|
ROE (%)
|
13.28
|
13.07
|
13.72
|
10.90
|
7.54
|
7.55
|
|||||
|
ROA (%)
|
1.00
|
0.90
|
0.94
|
0.73
|
0.49
|
0.46
|
|||||
|
Cost to Income Ratio
|
--
|
51.40
|
50.89
|
51.80
|
51.89
|
54.80
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
6.21
|
6.04
|
16.76
|
27.42
|
25.21
|
-6.30
|
|||||
|
EBIT Growth (%)
|
13.10
|
3.92
|
16.60
|
6.86
|
32.78
|
-2.76
|
|||||
|
Net Profit Growth (%)
|
7.19
|
8.03
|
46.28
|
64.46
|
13.97
|
54.91
|
|||||
|
EPS Growth (%)
|
24.13
|
7.94
|
45.45
|
54.17
|
9.89
|
33.91
|
|||||
|
Book Value Growth (%)
|
--
|
13.16
|
13.65
|
19.13
|
7.95
|
21.79
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
5.49
|
6.05
|
5.11
|
9.50
|
8.00
|
5.39
|
|||||
|
Price / Book Value
|
0.78
|
0.76
|
0.67
|
0.98
|
0.57
|
0.38
|
|||||
|
Dividend Yield (%)
|
3.27
|
3.39
|
3.78
|
2.04
|
2.67
|
4.36
|
|||||
|
EV/EBITDA
|
7.40
|
10.49
|
10.39
|
10.06
|
7.18
|
4.55
|
|||||
|
Close Price (₹)
|
140.40
|
136.99
|
107.12
|
137.05
|
74.65
|
45.85
|
|||||
|
High Price (₹)
|
178.45
|
178.45
|
158.00
|
156.35
|
103.50
|
87.00
|
|||||
|
Low Price (₹)
|
108.81
|
101.10
|
90.00
|
69.41
|
40.40
|
43.15
|
|||||
|
Market Cap (₹ Cr)
|
64,647.88
|
62,396.07
|
48,760.21
|
62,374.20
|
30,714.63
|
18,814.84
|