Bank of India (BANKINDIA) | Financial Analysis & Statements
TL;DR: Financial Overview - Revenue, Profits & Key Metrics
Latest Quarterly: Mar 2025Income Metrics
Revenue
96.8B
Net Income
26.0B
26.88%
Balance Sheet Metrics
Total Assets
10.6T
Total Liabilities
9.8T
Shareholders Equity
808.9B
Debt to Equity
12.06
Cash Flow Metrics
Revenue & Profitability Trend
Bank of India Income Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 339.0B | 294.5B | 263.6B | 215.3B | 207.4B |
| Cost of Goods Sold | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Gross Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Operating Expenses | |||||
| Research & Development | - | - | - | - | - |
| Selling, General & Administrative | 2.0B | 2.0B | 1.9B | 1.6B | 1.2B |
| Other Operating Expenses | 42.7B | 40.1B | 43.8B | 32.1B | 25.0B |
| Total Operating Expenses | 44.7B | 42.0B | 45.7B | 33.7B | 26.2B |
| Operating Income | - | - | - | - | - |
| Operating Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Non-Operating Items | |||||
| Interest Income | - | - | - | - | - |
| Interest Expense | - | - | - | - | - |
| Other Non-Operating Income | - | - | - | - | - |
| Pre-tax Income | 125.6B | 101.9B | 61.0B | 55.7B | 22.0B |
| Income Tax | 32.2B | 38.1B | 22.2B | 21.7B | 10.8B |
| Effective Tax Rate % | 25.6% | 37.4% | 36.3% | 38.9% | 49.1% |
| Net Income | 95.5B | 65.7B | 38.4B | 34.9B | 20.8B |
| Net Margin % | 28.2% | 22.3% | 14.6% | 16.2% | 10.0% |
| Key Metrics | |||||
| EBITDA | - | - | - | - | - |
| EPS (Basic) | ₹20.97 | ₹15.48 | ₹9.35 | ₹9.07 | ₹6.36 |
| EPS (Diluted) | ₹20.97 | ₹15.48 | ₹9.35 | ₹9.07 | ₹6.35 |
| Basic Shares Outstanding | 4552700000 | 4241000000 | 4103600000 | 3852800000 | 3276900000 |
| Diluted Shares Outstanding | 4552700000 | 4241000000 | 4103600000 | 3852800000 | 3276900000 |
Income Statement Trend
Bank of India Balance Sheet From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Assets | |||||
| Current Assets | |||||
| Cash & Equivalents | 1.0T | 831.2B | 846.8B | 915.6B | 1.3T |
| Short-term Investments | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - |
| Inventory | - | - | - | - | - |
| Other Current Assets | - | - | - | - | - |
| Total Current Assets | - | - | - | - | - |
| Non-Current Assets | |||||
| Property, Plant & Equipment | 168.3B | 148.1B | 140.9B | 131.4B | 122.1B |
| Goodwill | - | - | - | - | - |
| Intangible Assets | - | - | - | - | - |
| Long-term Investments | - | - | - | - | - |
| Other Non-Current Assets | - | - | - | - | - |
| Total Non-Current Assets | - | - | - | - | - |
| Total Assets | 10.6T | 9.2T | - | - | - |
| Liabilities | |||||
| Current Liabilities | |||||
| Accounts Payable | 36.6B | 32.0B | 25.8B | 17.4B | 16.5B |
| Short-term Debt | - | - | - | - | - |
| Current Portion of Long-term Debt | - | - | - | - | - |
| Other Current Liabilities | - | - | - | - | - |
| Total Current Liabilities | - | - | - | - | - |
| Non-Current Liabilities | |||||
| Long-term Debt | 938.7B | 664.6B | 623.2B | 232.4B | 289.5B |
| Deferred Tax Liabilities | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - |
| Total Non-Current Liabilities | - | - | - | - | - |
| Total Liabilities | 9.8T | 8.5T | - | - | - |
| Equity | |||||
| Common Stock | 45.5B | 45.5B | 41.0B | 41.0B | 32.8B |
| Retained Earnings | 130.9B | 73.4B | 34.8B | 20.0B | -887.9M |
| Treasury Stock | - | - | - | - | - |
| Other Equity | - | - | - | - | - |
| Total Shareholders Equity | 808.9B | 707.4B | 605.9B | 551.3B | 501.4B |
| Key Metrics | |||||
| Total Debt | 938.7B | 664.6B | 623.2B | 232.4B | 289.5B |
| Working Capital | 0 | 0 | 0 | 0 | 0 |
Balance Sheet Composition
Bank of India Cash Flow Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 127.7B | 103.7B | 60.5B | 55.7B | 31.6B |
| Depreciation & Amortization | - | - | - | - | - |
| Stock-Based Compensation | - | - | - | - | - |
| Working Capital Changes | 48.1B | 107.2M | 10.9B | 38.2B | -49.9B |
| Operating Cash Flow | 188.8B | 111.8B | 78.4B | 100.9B | -11.7B |
| Investing Activities | |||||
| Capital Expenditures | -6.7B | -8.3B | -5.2B | -5.5B | -3.3B |
| Acquisitions | - | - | -8.6B | -3.0B | - |
| Investment Purchases | - | - | - | - | - |
| Investment Sales | - | - | - | - | - |
| Investing Cash Flow | -8.9B | -10.0B | -14.1B | -8.5B | -2.0B |
| Financing Activities | |||||
| Share Repurchases | - | - | - | - | - |
| Dividends Paid | -12.7B | -8.2B | -8.2B | - | - |
| Debt Issuance | - | - | - | - | - |
| Debt Repayment | - | - | - | - | - |
| Financing Cash Flow | -11.6B | 41.6B | -2.6B | 25.3B | 30.0B |
| Free Cash Flow | 178.1B | -52.9B | -76.7B | -358.9B | 375.2B |
| Net Change in Cash | 168.3B | 143.3B | 61.8B | 117.7B | 16.2B |
Cash Flow Trend
Bank of India Key Financial Ratios
Valuation Ratios
P/E Ratio (TTM)
5.43
Forward P/E
11.05
Price to Book
0.64
Price to Sales
1.68
PEG Ratio
-1.73
Profitability Ratios
Profit Margin
30.98%
Operating Margin
40.83%
Return on Equity
11.80%
Return on Assets
0.90%
Financial Health
Debt to Equity
1.53
Beta
0.89
Per Share Data
EPS (TTM)
₹20.84
Book Value per Share
₹177.27
Revenue per Share
₹67.27
Peer Financial Comparison
| Company | Market Cap | P/E Ratio | P/B Ratio | ROE | Profit Margin | Debt/Equity |
|---|---|---|---|---|---|---|
| bankindia | 515.3B | 5.43 | 0.64 | 11.80% | 30.98% | 1.53 |
| HDFC Bank Limited | 15.3T | 22.78 | 2.81 | 13.93% | 25.79% | 1.06 |
| ICICI Bank | 10.2T | 19.42 | 3.09 | 17.88% | 25.74% | 0.62 |
| State Bank of India | 7.6T | 9.28 | 1.42 | 16.58% | 22.67% | 1.09 |
| Kotak Mahindra Bank | 3.9T | 20.53 | 2.50 | 13.32% | 25.51% | 0.66 |
| Axis Bank | 3.3T | 11.93 | 1.71 | 15.56% | 36.22% | 1.13 |
Financial data is updated regularly. All figures are in the company's reporting currency.