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Bank Of India
 
BSE Code 532149
ISIN Demat INE084A01016
Book Value 136.32
NSE Code BANKINDIA
Dividend Yield(%) 2.25
Market Cap(Million) 566351.88
P/E(X) 8.96
EPS(Rs.) 13.88
Face Value(Rs.) 10  
Particulars Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019
Operational & Financial Ratios          
   Earnings Per Share (Rs)9.80  8.30  6.59  -9.02  -20.10  
   DPS(Rs)2.00  2.00  0.00  0.00  0.00  
   Book NAV/Share(Rs)126.90  117.47  120.34  114.42  128.32  
Margin Ratios          
   Yield on Advances9.81  9.05  11.10  11.48  11.96  
   Yield on Investments6.74  7.18  7.21  7.12  6.45  
   Cost of Liabilities3.73  3.67  3.99  4.55  4.80  
   NIM2.62  2.05  2.10  2.49  2.34  
   Interest Spread6.08  5.38  7.11  6.93  7.16  
Performance Ratios          
   ROA(%)0.52  0.47  0.31  -0.46  -0.90  
   ROE(%)8.02  7.77  5.62  -8.11  -16.96  
   ROCE(%)9.69  8.53  6.17  -1.31  -5.41  
Efficiency Ratios          
   Cost Income Ratio51.08  54.48  51.34  47.57  55.82  
   Core Cost Income Ratio54.75  58.21  56.56  48.87  54.50  
   Operating Costs to Assets1.71  1.63  1.49  1.59  1.64  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)7.64  5.53  10.29  0.00  0.00  
   PCE(x)6.91  4.99  8.78  -4.11  -5.56  
   Price/Book(x)0.59  0.39  0.56  0.28  0.81  
   Yield(%)2.67  4.36  0.00  0.00  0.00  
   EV/Net Sales(x)2.01  1.20  1.35  1.19  1.79  
   EV/Core EBITDA(x)7.15  4.56  5.32  4.37  9.02  
   EV/EBIT(x)2.85  1.54  1.85  2.24  3.97  
   EV/CE(x)0.12  0.06  0.08  0.08  0.12  
   M Cap / Sales0.64  0.49  0.55  0.25  0.71  
Growth Ratio          
   Core Operating Income Growth44.18  -1.46  -6.47  11.71  29.99  
   Operating Profit Growth-14.62  20.12  27.15  11.51  1.04  
   Net Profit Growth18.16  57.60  173.06  46.69  8.22  
   BVPS Growth8.03  -2.38  5.17  -10.84  -25.42  
   Advances Growth15.46  15.08  -0.87  8.18  -0.11  
   EPS Growth(%)18.16  25.85  173.06  55.11  42.02  
Liquidity Ratios          
   Loans/Deposits(x)0.10  0.04  0.05  0.07  0.08  
   Cash / Deposits(x)0.07  0.06  0.10  0.05  0.06  
   Investment / Deposits(x)0.31  0.28  0.30  0.29  0.28  
   IncLoan / Deposits(x)9.70  4.26  5.18  7.16  8.49  
   Credit/Deposits(%)72.57  67.02  58.31  66.41  65.47  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)1.66  2.34  3.35  3.88  5.61