Right Stock
Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
Best Practice Tip: Avoid Red stocks.
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Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
Best Practice Tip: Invest in stocks when they are at a reasonable discount to the MRP.
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X

Bank Of India

Large Cap

Evaluated by 3107 users |

BSE

: 532149 |

NSE

: BANKINDIA |

Bank - Public

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Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
 Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Net Interest Income (Rs. Cr.)5,8337,8788,3959,13510,95511,46511,84811,97910,63413,798
Y-o-Y Gr. Rt.-35.1%6.6%8.8%19.9%4.7%3.3%1.1%-11.2%29.8%
Total Income20,59724,50031,93035,88042,44447,96345,76446,40544,15946,269
Y-o-Y Gr. Rt.-19%30.3%12.4%18.3%13%-4.6%1.4%-4.8%4.8%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
34.0346.5247.4947.3246.530.27-75.98-13.94-34.2-19.67
Y-o-Y Gr. Rt.-36.7%2.1%-0.4%-1.7%-34.9%-351%NANANA
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
247.83298.56351.66390.8420.87435.65318.83248.06178.72132.96
Y-o-Y Gr. Rt.-20.5%17.8%11.1%7.7%3.5%-26.8%-22.2%-28%-25.6%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.690.790.720.650.530.29-1.02-0.26-0.97-0.88
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)1.310.911.472.0623.367.796.98.265.61
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income10%4.7%5.2%29.8%
Total Income9.4%1.7%0.4%4.8%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-194.1%-184.2%NANA
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
-6.7%-20.6%-25.3%-25.6%
Share Price -16.5% -22.5% -9.3% -3.6%
 
RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Interest Earned / Total Income87.3789.2289.689.4589.8291.0891.9885.386.7688.62
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.172.332.252.061.991.912.032.011.832.34
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)13.9316.9714.6612.6110.866.24-23.04-6.11-21.19-16.21
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 27.7825.426.625.6222.9222.2525.7931.833435.84
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Overall Corporate Governance
Management Assessment
An assessment of the trustworthiness of the management based on 5 important parameters. These parameters are colour coded as
Green (Very Good), Orange (Somewhat Good) and Red (Not Good)
What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Corporate Governance
Corporate Governance
This refers to a set of processes or laws that affects the way a company is directed and controlled.
Board Credentials
Board credentials
This refers to the skill sets (qualification, experience, etc.) that the management team of a company possesses.
Promoter's holding
Promoter's holding
This refers to the stake that the promoters hold in a company and proportion of shares pledged.
Transparency
Transparency
Transparency refers to the practices that a company follows in the disclosure of important and necessary information.
Integrity
Integrity
Integrity refers to the application of honest and fair business practices.
Percentage Holding
89.10%
6.57%
4.33%
Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)
 
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