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Bank of India's net profit rose 8.97% to INR -54.3 bil in 2018

By Helgi Library - November 2, 2019

Bank of India made a net profit of INR -54.3 bil under revenues of INR 186 bil in 2018, up 8.97% and 13.4% respectively compared to t...

Bank of India's net profit rose 8.97% to INR -54.3 bil in 2018

By Helgi Library - November 2, 2019

Bank of India made a net profit of INR -54.3 bil under revenues of INR 186 bil in 2018, up 8.97% and 13.4% respectively compared to t...

Bank of India's npls (as % of loans) fell 2.76% to 16.9% in 2018

By Helgi Library - November 2, 2019

Bank of India's non-performing loans reached 16.9% of total loans at the end of 2018, down from 17.4% compared to the previous ye...

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Annual Quarterly LTM

Profit Statement		2016	2017	2018
Net Interest Income	INR bil	120	106	138
Net Fee Income	INR bil	13.4	13.5	12.6
Other Income	INR bil	54.5	44.4	35.6
Total Revenues	INR bil	188	164	186
Operating Profit	INR bil	95.4	58.1	68.5
Provisions	INR bil	120	145	159
Net Profit	INR bil	-14.7	-59.6	-54.3

Balance Sheet		2016	2017	2018
Interbank Loans	INR bil	689	644	655
Customer Loans	INR bil	3,683	3,433	3,430
Total Assets	INR bil	6,320	6,152	6,309
Shareholders' Equity	INR bil	337	369	478
Interbank Borrowing	INR bil	24.2	13.8	12.8
Customer Deposits	INR bil	4,850	5,230	5,226
Issued Debt Securities	INR bil	959	436	443

Ratios		2016	2017	2018
ROE	%	-4.38	-16.9	-12.8
ROA	%	-0.235	-0.956	-0.871
Costs (As % Of Assets)	%	1.48	1.70	1.89
Costs (As % Of Income)	%	49.2	64.6	63.2
Capital Adequacy Ratio	%	12.6	13.5	14.9
Net Interest Margin	%	1.92	1.71	2.22
Loans (As % Of Deposits)	%	76.0	65.6	65.6
NPLs (As % Of Loans)	%	14.1	17.4	16.9
Provisions (As % Of NPLs)	%	34.0	24.4	26.0

Valuation		2016	2017	2018
Price/Earnings (P/E)		...	...	...
Price/Book Value (P/BV)		0.436	0.489	0.602
Dividend Yield	%	0	0	0
Earnings Per Share (EPS)	INR	-14.8	-51.8	-29.1
Book Value Per Share	INR	340	321	257
Dividend Per Share	INR	0	0	0

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summary
income statement
balance sheet
ratios
other data

summary	Unit	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Net Interest Income	INR bil											91.7	110	115	119	120
Total Revenues	INR bil											129	153	157	155	188
Operating Profit	INR bil											70.3	79.6	74.9	62.2	95.4
Net Profit	INR bil											28.2	29.9	20.1	-62.0	-14.7
balance sheet
Interbank Loans	INR bil											641	425	790	653	689
Customer Loans	INR bil											2,598	3,727	3,748	3,613	3,683
Debt Securities	INR bil											957	1,155	1,219	1,212	1,293
Total Assets	INR bil											4,564	5,782	6,253	6,166	6,320
Shareholders' Equity	INR bil											245	309	327	334	337
Interbank Borrowing	INR bil											23.5	11.0	16.0	11.6	24.2
Customer Deposits	INR bil											3,431	4,787	4,725	5,157	4,850
Issued Debt Securities	INR bil											743	484	1,016	511	959
ratios
ROE	%											12.3	10.8	6.34	-18.8	-4.38
ROA	%											0.668	0.577	0.335	-0.999	-0.235
Costs (As % Of Assets)	%											1.40	1.41	1.37	1.50	1.48
Costs (As % Of Income)	%											45.6	47.9	52.4	59.9	49.2
Capital Adequacy Ratio	%											11.1	10.2	11.2	12.4	12.6
Net Interest Margin	%											2.17	2.13	1.91	1.91	1.92
Interest Income (As % Of Revenues)	%											70.9	72.0	73.1	76.5	63.9
Fee Income (As % Of Revenues)	%											9.87	9.41	10.3	9.12	7.12
Equity (As % Of Assets)	%											5.38	5.34	5.23	5.42	5.33
Loans (As % Of Deposits)	%											75.7	77.9	79.3	70.1	76.0
Loans (As % Assets)	%											56.9	64.5	59.9	58.6	58.3
NPLs (As % Of Loans)	%											3.35	3.16	5.81	13.2	14.1
Provisions (As % Of NPLs)	%											22.4	30.1	33.5	40.4	34.0
valuation
Market Capitalisation (End Of Period)	USD mil											3,300	2,379	2,066	1,195	2,164
Number Of Shares (Average)	mil											575	610	643	734	991
Share Price (End Of Period)	INR											314	241	202	108	148
Earnings Per Share (EPS)	INR											49.0	49.0	31.3	-84.6	-14.8
Book Value Per Share	INR											427	506	508	456	340
Dividend Per Share	INR											10.4	6.16	5.17	0	0
Price/Earnings (P/E)												6.41	4.92	6.47	...	...	...	...
Price/Book Value (P/BV)												0.737	0.476	0.398	0.237	0.436
Dividend Yield	%											3.30	2.55	2.55	0	0
Earnings Per Share Growth	%	...										-1.69	-0.090	-36.1	-370	-82.5
Book Value Per Share Growth	%	...										8.56	18.6	0.488	-10.3	-25.4

income statement	Unit	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Interest Income	INR bil											321	382	437	421	396
Interest Cost	INR bil											230	272	322	302	276
Net Interest Income	INR bil											91.7	110	115	119	120
Net Fee Income	INR bil											12.8	14.4	16.2	14.2	13.4
Other Income	INR bil											24.8	28.4	26.1	22.4	54.5
Total Revenues	INR bil											129	153	157	155	188
Operating Cost	INR bil											58.9	73.1	82.5	93.0	92.5
Operating Profit	INR bil											70.3	79.6	74.9	62.2	95.4
Provisions	INR bil											40.1	44.0	56.4	143	120
Extra and Other Cost	INR bil											-0.002	< -0.001	< -0.001	-0.004	0
Pre-Tax Profit	INR bil											30.2	35.7	18.5	-80.6	-24.1
Tax	INR bil											2.76	8.34	1.03	-17.2	-8.18
Minorities	INR bil											-0.018	0.014	0.019	-0.717	-0.214
Net Profit	INR bil											28.2	29.9	20.1	-62.0	-14.7
Dividends	INR bil											5.97	3.76	3.32	0	0
growth rates
Net Interest Income Growth	%	...										8.78	20.0	4.65	3.06	1.26
Net Fee Income Growth	%	...										-0.185	12.8	12.8	-12.7	-5.46
Total Revenue Growth	%	...										10.3	18.2	3.07	-1.42	21.1
Operating Cost Growth	%	...										1.12	24.1	12.9	12.7	-0.476
Operating Profit Growth	%	...										19.4	13.3	-5.93	-17.0	53.4
Pre-Tax Profit Growth	%	...										-17.2	18.2	-48.1	-535	-70.1
Net Profit Growth	%	...										3.49	5.92	-32.6	-408	-76.3
market share
Market Share in Revenues	%	...	...	...	...	...	...	...	...	...		5.47	5.66	5.19	4.61	4.67		...
Market Share in Net Profit	%	...	...	...	...	...	...	...	...	...		4.76	5.54	3.69	...	...	...	...

balance sheet	Unit	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
balance sheet
Cash	INR bil											221	193	275	342	275
Interbank Loans	INR bil											641	425	790	653	689
Customer Loans	INR bil											2,598	3,727	3,748	3,613	3,683
Debt Securities	INR bil											957	1,155	1,219	1,212	1,293
Fixed Assets	INR bil											29.0	58.2	59.1	85.7	85.5
Total Assets	INR bil											4,564	5,782	6,253	6,166	6,320
Shareholders' Equity	INR bil											245	309	327	334	337
Of Which Minority Interest	INR bil											0.734	0.840	1.68	0.980	0.810
Liabilities	INR bil											4,319	5,473	5,926	5,832	5,983
Interbank Borrowing	INR bil											23.5	11.0	16.0	11.6	24.2
Customer Deposits	INR bil											3,431	4,787	4,725	5,157	4,850
Sight Deposits	INR bil											194	218	212	236	276
Term Deposits	INR bil											3,237	4,569	4,513	4,921	4,574
Issued Debt Securities	INR bil											743	484	1,016	511	959
Other Liabilities	INR bil											121	191	169	152	150
asset quality
Non-Performing Loans	INR bil											87.8	119	222	503	523
Gross Loans	INR bil											2,618	3,762	3,822	3,816	3,700
Total Provisions	INR bil											19.6	35.7	74.5	203	177
growth rates
Customer Loan Growth	%	...										4.03	43.4	0.570	-3.60	1.94
Total Asset Growth	%	...										17.8	26.7	8.15	-1.38	2.50
Shareholders' Equity Growth	%	...										14.3	25.7	5.94	2.30	0.797
Customer Deposit Growth	%	...										7.42	39.5	-1.30	9.16	-5.96
market share
Market Share in Customer Loans	%	...	...									4.70	5.80	5.28	4.53	4.46		...
Market Share in Total Assets	%											5.26	5.72	5.61	4.89	4.45		...
Market Share in Customer Deposits	%											5.45	6.65	5.79	5.64	4.56		...

ratios	Unit	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
ratios
ROE	%											12.3	10.8	6.34	-18.8	-4.38
ROA	%											0.668	0.577	0.335	-0.999	-0.235
Costs (As % Of Assets)	%											1.40	1.41	1.37	1.50	1.48
Costs (As % Of Income)	%											45.6	47.9	52.4	59.9	49.2
Capital Adequacy Ratio	%											11.1	10.2	11.2	12.4	12.6
Tier 1 Ratio	%					...						8.31	7.42	8.63	9.41	9.42
Net Interest Margin	%											2.17	2.13	1.91	1.91	1.92
Interest Spread	%	...										1.86	1.83	1.61	1.64	1.67
Asset Yield	%											7.61	7.38	7.27	6.78	6.35
Cost Of Liabilities	%	...										5.75	5.55	5.65	5.14	4.67
Payout Ratio	%											21.2	12.6	16.5	0	0
Interest Income (As % Of Revenues)	%											70.9	72.0	73.1	76.5	63.9
Fee Income (As % Of Revenues)	%											9.87	9.41	10.3	9.12	7.12
Other Income (As % Of Revenues)	%											19.2	18.6	16.6	14.4	29.0
Equity (As % Of Assets)	%											5.38	5.34	5.23	5.42	5.33
Loans (As % Of Deposits)	%											75.7	77.9	79.3	70.1	76.0
Loans (As % Assets)	%											56.9	64.5	59.9	58.6	58.3
NPLs (As % Of Loans)	%											3.35	3.16	5.81	13.2	14.1
Provisions (As % Of NPLs)	%											22.4	30.1	33.5	40.4	34.0
Provisions (As % Of Loans)	%											0.756	0.958	1.99	5.62	4.82
Cost of Provisions (As % Of Loans)	%											1.58	1.39	1.51	3.88	3.28

other data	Unit	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
other data
Employees												42,146	43,150	45,300	45,300	47,750
Sight (As % Of Customer Deposits)	%											5.65	4.55	4.49	4.59	5.69

Get all company financials in excel:

Download Sample $19.99

Bank of India in Numbers
Annual (2002 - 2018)

Nov 2019

Statistical Dossier

$19.99

Bank of India's npls (as % of loans) fell 2.76% to 16.9% in 2018

By Helgi Library - November 2, 2019

Bank of India's non-performing loans reached 16.9% of total loans at the end of 2018, down from 17.4% compared to the previous year. Historically, the NPL ratio hit an all time high of 17.4% in 2017 and an all time low of 1.71% in 2008. Provision coverage a...

Bank of India's capital adequacy ratio rose 9.75% to 14.9% in 2018

By Helgi Library - November 2, 2019

Bank of India's capital adequacy ratio reached 14.9% at the end of 2018, up from 13.5% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 14.9% in 2018 and an all time low of 10.2% in 2013. The Tier 1 ratio amounted ...

Bank of India's capital adequacy ratio rose 9.75% to 14.9% in 2018

By Helgi Library - November 2, 2019

Bank of India's net interest margin rose 29.9% to 2.22% in 2018

By Helgi Library - November 2, 2019

Bank of India's net interest margin amounted to 2.22% in 2018, up from 1.71% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.73% in 2008 and an all time low of 1.71% in 2017. The average margin i...

Bank of India's net interest margin rose 29.9% to 2.22% in 2018

By Helgi Library - November 2, 2019

Bank of India's net interest income rose 29.8% to INR 138 bil in 2018

By Helgi Library - November 2, 2019

Bank of India generated total banking revenues of INR 186 bil in 2018, up 13.4% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of INR 188 bil in 2016 and an all...

Bank of India's net interest income rose 29.8% to INR 138 bil in 2018

By Helgi Library - November 2, 2019

Bank of India's customer loan growth rose 98.6% to -0.094% in 2018

By Helgi Library - November 2, 2019

Bank of India's customer loan growth reached -0.094% in 2018, up from -6.80% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 43.4% in 2013 and an all time low of -6.80% in 2017. In the last decade, the aver...

Bank of India's customer loan growth rose 98.6% to -0.094% in 2018

By Helgi Library - November 2, 2019

Bank of India's customer loans fell 0.094% to INR 3,433 bil in 2018

By Helgi Library - November 2, 2019

Bank of India's customer loans reached INR 3,433 bil in 2017, down 6.80% compared to the previous year. Indian banking sector provided customer loans of INR 88,362 bil in 2017, up 7.04% when compared to the last year. Bank of India accounted for 3.89% of ...

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Finance

Bank of India has been growing its revenues and asset by 8.02% and 10.8% a year on average in the last 10 years. Its loans and deposits have grown by 9.12% and 10.6% a year during that time and loans to deposits ratio reached 65.6% at the end of 2018. The company achieved an average return on equity of 1.87% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 63.2% in 2018, compared to 53.7% average in the last decade.

Equity represented 7.58% of total assets or 13.9% of loans at the end of 2018. Bank of India's non-performing loans were 16.9% of total loans while provisions covered some 26.0% of NPLs at the end of 2018.

Valuation

Bank of India stock traded at INR 155 per share at the end of 2018 resulting in a market capitalization of USD 4,123 mil. Over the previous five years, stock price fell by 35.9% or 8.51% a year on average. That’s compared to an average ROE of -9.30% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of x and price to book value (PBV) of 0.602x in 2018.

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Bank of India

Bank of India's net profit rose 8.97% to INR -54.3 bil in 2018

Bank of India's net profit rose 8.97% to INR -54.3 bil in 2018

Bank of India's npls (as % of loans) fell 2.76% to 16.9% in 2018

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Bank of India's npls (as % of loans) fell 2.76% to 16.9% in 2018

Bank of India's capital adequacy ratio rose 9.75% to 14.9% in 2018

Bank of India's capital adequacy ratio rose 9.75% to 14.9% in 2018

Bank of India's net interest margin rose 29.9% to 2.22% in 2018

Bank of India's net interest margin rose 29.9% to 2.22% in 2018

Bank of India's net interest income rose 29.8% to INR 138 bil in 2018

Bank of India's net interest income rose 29.8% to INR 138 bil in 2018

Bank of India's customer loan growth rose 98.6% to -0.094% in 2018

Bank of India's customer loan growth rose 98.6% to -0.094% in 2018

Bank of India's customer loans fell 0.094% to INR 3,433 bil in 2018

Finance

Valuation

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