ScoreWhy is Bank Of India ?
1
Strong lending practices with low Gross NPA ratio of 1.98%
2
Strong Long Term Fundamental Strength with a 37.26% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 37.26%
4
The company has declared Positive results for the last 19 consecutive quarters
- GROSS NPA(Q) Lowest at 1.98%
- INTEREST EARNED(Q) Highest at Rs 19,475.86 cr
- NET NPA(Q) Lowest at 0.56%
5
With ROA of 0.9, it has a Very Attractive valuation with a 0.7 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 12.33%, its profits have risen by 14.2% ; the PEG ratio of the company is 0.4
- At the current price, the company has a high dividend yield of 6.1
Real-Time Research ReportHow much should you buy?
- 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
12.3%
0.39
31.83%
Sensex
-7.92%
-0.61
13.09%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
10.73%
Net Profit Growth (5y)
37.26%
Advance to Deposit
75.49%
Capital Adequacy Ratio (Tier 1)
14.95%
Gross NPA (latest)
1.98%
Gross NPA (avg)
5.50%
Coverage Ratio (avg)
76.23%
Cost to Income (avg)
51.90%
Net Interest Margin (avg)
2.61%
Operating Profit to Assets (avg)
3.42%
ROA (avg)
0.69%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Price to Book Value
0.72
PEG Ratio
0.43
Dividend Yield
6.15%
ROE (Latest)
11.96%
ROA (Latest)
0.90%
Net NPA to Book Value
4.83
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
GROSS NPA(Q)
Lowest at 1.98%
INTEREST EARNED(Q)
Highest at Rs 19,475.86 cr
NET NPA(Q)
Lowest at 0.56%
NII(Q)
Highest at Rs 6,730.19 cr
PAT(Q)
Highest at Rs 3,015.79 cr.
EPS(Q)
Highest at Rs 6.62
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 79.52 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Bank Of India
Gross NPA - Quarterly
Lowest at 1.98% 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 19,475.86 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Net NPA - Quarterly
Lowest at 0.56% 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 6,730.19 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 3,015.79 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 6.62
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
CAR - Quarterly
Highest at 18.01%
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 79.52 % 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
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