Price Summary

FinStar

Ownership Stable

Ownership strength is slightly missing the benchmark.

ValuationExpensive

The stock is at a premium valuation at this point.

EfficiencyPoor

The company seems highly inefficient in case of asset management.

FinancialsWeak

Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

24592.33 Cr.

Book Value (TTM)

₹  117.06

Net Interest Income

14269.84 Cr.

Your Added Ratios

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 Group Companies

Ratios

ROE%

1 Year5.62%

3 Year-6.49%

5 Year-9.53%

ROA%

1 Year0.31%

3 Year-0.35%

5 Year-0.46%

Net NPA%

1 Year3.35%

3 Year4.28%

5 Year5.6%

 NIM

1 Year2.1%

3 Year2.31%

5 Year2.15%

Cost of Liabilities %

3.99188821471823

Advances Growth %

-0.866610162202788

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2021 90.34 0
Mar 2021 89.1 0
Dec 2020 89.1 0
Sep 2020 89.1 0
Jun 2020 89.1 0

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Interest Earned 10234.24 10795.51 10243.1 9326.6 9321.31
Other Income 1707.28 1613.15 2067.82 2053.24 2376.82
Interest Expended 6753.1 6682.21 6503.56 6390.74 6176.7
Operating Expenses 2343.9 2628.78 2991.7 2894.73 2715.22
Total Provisions 1512.07 2312.29 1980.1 1831.04 1709.12
Profit Before Tax 1332.45 785.38 855.56 263.33 1097.09
Tax 488.85 259.6 314.84 13.14 377.09
Net Profit 843.6 525.78 540.72 250.19 720
Net NPA % 3.58 2.89 2.46 3.35 3.35
Gross NPA % 13.91 13.79 13.25 13.77 13.51
Return on Assets % 0.46 0.28 0.28 0.13 0.37
NPM % 8.24 4.87 5.28 2.68 7.72

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 39290.85 38071.41 40767.81 42353.27 40599.44
Other Income 6772.33 5733.76 4658.89 6713.07 7441.49
Interest Expended 27464.74 27565.07 27110.14 27096.29 26329.6
Operating Expenses 8865.8 9101.17 10224.35 10451.4 10839.11
Total Provisions 12105.18 15772.42 16805.62 16121.38 7635.51
Profit Before Tax -2372.52 -8633.5 -8713.41 -4602.73 3236.71
Taxes -814.21 -2589.79 -3166.51 -1645.84 1076.41
Net Profit -1558.31 -6043.71 -5546.9 -2956.89 2160.3
Adjusted EPS (Rs.) -14.78 -34.67 -20.1 -9.02 6.59

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 1055.43 1743.72 2760.03 3277.66 3277.66
Total Reserves 29709.72 33796.93 38921.13 40538.65 42407.93
Deposits 540032.01 520854.38 520862.35 555504.98 627113.56
Borrowings 39405.67 43588.78 44241.17 39752.47 32464.11
Other Liabilities 14384.52 9591.03 13800.17 17921.72 17593.19
Total Liabilities 626309.27 609574.83 625222.84 656995.48 725856.45
Assets
Balance with RBI 27347.66 31347.84 29236.56 29239.25 60697.57
Balance with Banks 68540.29 64534.66 65574.92 57217.05 65883.1
Investments 127826.86 137111.11 147639.04 158572.99 187252.85
Advances 366481.67 341380.19 341005.94 368883.3 365686.52
Net Block 8265.32 8265.29 8720.21 8690.37 8550.27
Other Assets 27650.93 26935.73 32846.34 34100.88 37422.28
Total Assets 626309.27 609574.83 625222.84 656995.48 725856.45

Corporate Actions

Super Investors

Investors Details

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Public 4.72 5.05 5.19 5.31 4.65
PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
FII/DII 6.18 5.85 5.72 5.59 5.01
lic of india 0 0 0 0 0
life insurance corporatio... 4.56 0 0 0 0
life insurance corporatio... 0 4.44 4.32 4.04 0
life insurance corporatio... 4.56 0 0 0 0
life insurance corporatio... 0 0 0 0 3.52

Bank Of India Stock Price Analysis and Quick Research Report. Is Bank Of India an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Bank Of India is performing and if it is the right time to buy the stock of Bank Of India with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Bank Of India has earned Rs 40599.4385 Cr. revenue in the latest financial year. It has posted Poor revenue growth of 2.1661276893195 % in last 3 Years.

  • In terms of advances, the bank reported -0.866610162202788 % YOY,  fall . If you see 3 years advance growth, it stands at 2.31914009055818 %.

  • Currently the company has a CASA ratio of 36.6895386161496 %. It’s overall cost of liability stands at 3.99188821471823 %. Also, the total deposits from these accounts stood at Rs 627113.5601 Cr.

  • The Bank has a Poor ROA track record. The ROA of Bank Of India is at 0.312441073024782 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 13.77 % and 3.35 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -52.6373633230947 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Bank Of India surged and is currently at Rs 7441.4891 Cr.

  • The company has a Good Capital Adequacy Ratio of 14.93 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Bank Of India is trading at a P/B of 0.577 . The historical average PB was 0.569145668543347.

Brief about Bank Of India

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