Bank of India

Bank of India

136.20
INR
-1.84
(-1.33%)
24.24EPS
5.79P/E
639.19BMarket Cap
Oct 23Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
249.21
245.58
206.79
188.44
130.05
91.79
67.13
63.29
55.89
64.24
69.44
69.26
71.6
80.95
Basic EPS, GAAP
48.96
31.3
-84.58
-14.83
-51.83
-29.14
-9.39
6.36
9.07
9.35
15.48
20.97
22.64
24.23
Free Cash Flow per Basic Share
95.36
200.8
242.28
-72.02
-67.03
-51.1
-17.81
114.5
-93.14
-18.69
-12.47
39.12
8.48
- -
Dividend per Share
17.58
- -
5.45
- -
- -
- -
- -
- -
- -
2
1.94
2.8
4.05
- -
Book Value per Share
479.15
489.13
408.37
318.85
210.88
172.7
137.55
152.52
134.03
147.27
155.03
177.32
197.6
199.86
Tangible Book Value per Share
479.15
489.13
408.37
318.85
210.88
172.7
137.55
152.52
134.03
147.27
155.03
177.32
197.6
199.86
Basic Weighted Avg Shares
610
643
734
991
1,150
1,862
3,250
3,277
3,853
4,104
4,241
4,553
4,553
4,553
Sales/Revenue/Turnover
152,018
157,933
151,680
186,779
149,584
170,925
218,195
207,386
215,334
263,604
294,491
315,319
325,982
368,565
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2,339
2,911
2,900
-72
5,217
3,728
3,920
3,801
3,635
4,265
5,087
6,036
7,310
- -
Net Income, GAAP
29,868
20,129
-62,043
-14,701
-59,613
-54,266
-30,510
20,828
34,926
38,380
65,645
95,483
103,063
110,322
Effective Tax Rate (%)
21.83
4.88
- -
- -
- -
- -
- -
49.07
38.89
36.35
37.36
25.63
24.61
25.47
Profit Margin (%)
19.65
12.75
-40.9
-7.87
-39.85
-31.75
-13.98
10.04
16.22
14.56
22.29
30.28
31.62
29.93
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
437,410
380,170
413,483
394,914
302,403
331,652
208,755
289,451
232,414
623,232
664,603
938,695
1,066,259
1,153,758
Total Equity
308,577
326,908
334,437
337,102
369,156
478,141
452,246
501,395
551,312
605,895
707,421
808,873
901,369
911,604
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
4.44
2.77
- -
- -
- -
- -
- -
2.87
4.44
3.81
5.05
6.12
5.55
5.78
Return on Common Equity (%)
10.81
6.36
-18.84
-4.39
-16.94
-12.86
-6.58
4.38
6.65
6.65
10.02
12.62
12.08
12.85

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4,553
4,553
4,553
Market Capitalization
654,901
623,670
639,195

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
795,114
995,894
1,022,475
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.77%
12.48%
11.44%
Free Cash Flow
-171.65%
-164.1%
-78.31%
Net Income, GAAP
21.02%
40.4%
7.94%
Sales/Revenue/Turnover
8.86%
9.68%
3.38%
Total Cash Common Dividend
- -
- -
44.64%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
76,907
85,947
79,319
96,009
315,319
2026
83,568
- -
88,750
100,683
325,982
2027
95,564
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
4.15
5.32
5.79
5.72
20.97
2026
4.02
- -
6.18
6.78
22.64
2027
7.25
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
2.8
2026
- -
- -
- -
- -
4.05
2027
- -
- -
- -
- -
- -

Company Description

CEO
Rajneesh Karnatak
Full Time Employees
51,010
Sector
Finance
Industry
Major banks
Address
Star House - I Mumbai MH India 400051
IPO Date
Jun 19, 1905
Business
Bank of India Limited (BANKINDIA.NS) is an Indian public sector bank engaged in retail, corporate, and treasury banking operations. The bank offers a comprehensive range of products and services, including savings, salary, current, term, and RERA account deposits; debit, credit, and prepaid cards; personal, home, vehicle, education, star reverse mortgage, and loans against property; finance for new and existing businesses, healthcare schemes, government-sponsored schemes, and commercial vehicles; credit, cash management, and trade finance; government deposit schemes such as public provident fund, senior citizens savings, Sukanya Samridhi, national pension system, departmentalized ministries, sovereign and RBI bonds, and Mahila Samman savings certificates; mutual funds; life, health, and general insurance products; NRI services encompassing accounts, loans, money remittance, and ancillary offerings; agricultural loans including Kisan credit cards, gold loans, self-help group loans, Atmanirbhar schemes, tractor and farm mechanization, food and agro loans, agri-allied activities, Kisan Ghar and agri mortgage loans, and agri clinic/agri business centers; as well as internet, mobile banking, and payment services. Founded in 1906 and headquartered in Bandra Kurla Complex, Mumbai, the bank maintains a strong national presence with over 5,200 branches and 8,166 ATMs and CRMs across all Indian states and union territories, alongside 22 overseas branches in countries including the United States, United Kingdom, Japan, and others. In recent developments, Bank of India expanded its domestic network by inaugurating 111 new branches in urban and semi-urban areas in early 2025 to enhance financial accessibility and customer engagement; restructured credit operations by establishing 450 underwriting centers for retail, agriculture, and MSME loans to streamline processes; launched the TechNext initiative for IT, digital, and cybersecurity upgrades; introduced the Trade Easy digital platform in September 2025 in partnership with a technology provider; announced four major product launches including the premium Celestia credit card; and advanced the acquisition of 49% stakes in subsidiaries such as BOI AXA Mutual Fund to consolidate ownership.