ScoreWhy is Bank Of India ?
1
Strong lending practices with low Gross NPA ratio of 1.81%
2
Strong Long Term Fundamental Strength with a 40.98% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 40.98%
4
With a growth in Interest of 2.43%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 20 consecutive quarters
- GROSS NPA(Q) Lowest at 1.81%
- INTEREST EARNED(Q) Highest at Rs 19,949.32 cr
- PAT(Q) Highest at Rs 3,067.90 cr.
5
With ROA of 1, it has a Very Attractive valuation with a 0.7 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 29.54%, its profits have risen by 16.1% ; the PEG ratio of the company is 0.4
6
High Institutional Holdings at 20.84%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
7
Market Beating performance in long term as well as near term
- Along with generating 29.54% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank Of India should be less than 10%
- Overall Portfolio exposure to Public Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank Of India for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank Of India
29.4%
0.89
33.17%
Sensex
-2.63%
-0.20
13.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
11.18%
Net Profit Growth (5y)
40.98%
Advance to Deposit
75.28%
Capital Adequacy Ratio (Tier 1)
14.49%
Gross NPA (latest)
1.81%
Gross NPA (avg)
5.06%
Coverage Ratio (avg)
76.19%
Cost to Income (avg)
51.82%
Net Interest Margin (avg)
2.64%
Operating Profit to Assets (avg)
3.43%
ROA (avg)
0.72%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Price to Book Value
0.73
PEG Ratio
0.35
Dividend Yield
3.23%
ROE (Latest)
12.75%
ROA (Latest)
0.97%
Net NPA to Book Value
4.52
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
GROSS NPA(Q)
Lowest at 1.81%
INTEREST EARNED(Q)
Highest at Rs 19,949.32 cr
PAT(Q)
Highest at Rs 3,067.90 cr.
NET NPA(Q)
Lowest at 0.51%
NII(Q)
Highest at Rs 6,832.54 cr
DPS(Y)
Highest at Rs 4.65
CREDIT DEPOSIT RATIO(HY)
Highest at 82.19%
PBDIT(Q)
Highest at Rs 2,471.93 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 12.39%
PBT LESS OI(Q)
Highest at Rs 1,508.33 cr.
EPS(Q)
Highest at Rs 6.74
-1What is not working for the Company
NON-OPERATING INCOME(Q)
is 63.10 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Bank Of India
Gross NPA - Quarterly
Lowest at 1.81% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Interest Earned - Quarterly
Highest at Rs 19,949.32 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 1,508.33 cr has Grown at 48.2% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 1,017.85 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 3,067.90 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net NPA - Quarterly
Lowest at 0.51% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 6,832.54 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 2,471.93 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 12.39%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 1,508.33 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 6.74
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Credit Deposit Ratio - Half Yearly
Highest at 82.19%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend per Share (DPS) - Annually
Highest at Rs 4.65
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
CAR - Quarterly
Highest at 18.69%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Bank Of India
Non Operating Income - Quarterly
is 63.10 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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