Bank of India
NSE: BANKINDIA · Public Sector Bank
Snapshot
Unlock Bank of India's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Bank of India is a public sector bank providing a comprehensive range of banking products and services, including retail, wholesale, and treasury operations. It serves a diverse customer base through an extensive network of domestic branches and a strategic international presence.
Business Model
The bank generates revenue primarily through net interest income from loans and advances, alongside fee-based income from trade finance, cash management, and third-party financial product distribution. It operates through a traditional banking model, leveraging deposits to fund its credit portfolio across retail, corporate, and MSME segments.
- Domestic Branches:5,105
- International Branches:22
Growth Outlook
Growth is expected to be driven by the expansion of its digital banking services and the continued penetration of credit products into the retail and MSME sectors. The bank aims to leverage its wide branch network to capture increasing demand for formal financial services in India.
Key Risks
- Asset Quality Risk. The bank faces potential volatility in its loan portfolio, particularly regarding non-performing assets within the corporate and MSME segments.
- Regulatory and Compliance Risk. As a public sector bank, it is subject to stringent regulatory oversight and policy changes by the Reserve Bank of India and the Government of India.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the valuation of its substantial treasury investment portfolio.
- Cybersecurity Risk. The increasing digitisation of banking services exposes the institution to potential data breaches and sophisticated cyber threats.
Price
Start your research today
Unlock AI insights, financials, peers and live data on Bank of India and 5,000+ companies — free.
Key Metrics
REVENUE
₹74,519 Cr
TTM · consolidated
NET PROFIT
₹10,089 Cr
TTM · consolidated
EPS
₹22.64
TTM · consolidated
RETURN ON EQUITY
12.2%
TTM · consolidated
P/E
6.3x
Q4 FY26 · consolidated
NET PROFIT MARGIN
14.4%
Q3 FY26 · consolidated
Peers · Public Sector Bank
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Bank of IndiaBANKINDIA | 67,083 | 6.33 | — | 7.9% | — | 12.2% | — | +21.4% |
Indian BankINDIANB | 1,17,360 | 9.44 | — | 8.3% | — | 15.5% | — | +27.8% |
Indian Overseas BankIOB | 62,757 | 12.15 | — | 14.4% | — | 15.0% | — | -14.8% |
Bank of MaharashtraMAHABANK | 48,764 | 8.71 | — | 17.4% | — | 22.4% | — | +38.7% |
UCO BankUCOBANK | 30,207 | 11.86 | — | 9.0% | — | 8.7% | — | -19.8% |
Central Bank of IndiaCENTRALBK | 30,059 | 6.52 | — | 4.8% | — | 11.5% | — | -15.4% |
As of Q3 FY26
Financials
Bank of India
NSE: BANKINDIA · Public Sector Bank
Snapshot
Unlock Bank of India's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Bank of India is a public sector bank providing a comprehensive range of banking products and services, including retail, wholesale, and treasury operations. It serves a diverse customer base through an extensive network of domestic branches and a strategic international presence.
Business Model
The bank generates revenue primarily through net interest income from loans and advances, alongside fee-based income from trade finance, cash management, and third-party financial product distribution. It operates through a traditional banking model, leveraging deposits to fund its credit portfolio across retail, corporate, and MSME segments.
- Domestic Branches:5,105
- International Branches:22
Growth Outlook
Growth is expected to be driven by the expansion of its digital banking services and the continued penetration of credit products into the retail and MSME sectors. The bank aims to leverage its wide branch network to capture increasing demand for formal financial services in India.
Key Risks
- Asset Quality Risk. The bank faces potential volatility in its loan portfolio, particularly regarding non-performing assets within the corporate and MSME segments.
- Regulatory and Compliance Risk. As a public sector bank, it is subject to stringent regulatory oversight and policy changes by the Reserve Bank of India and the Government of India.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the valuation of its substantial treasury investment portfolio.
- Cybersecurity Risk. The increasing digitisation of banking services exposes the institution to potential data breaches and sophisticated cyber threats.
Price
Loading…
Start your research today
Unlock AI insights, financials, peers and live data on Bank of India and 5,000+ companies — free.
Key Metrics
REVENUE
₹74,519 Cr
TTM · consolidated
NET PROFIT
₹10,089 Cr
TTM · consolidated
EPS
₹22.64
TTM · consolidated
RETURN ON EQUITY
12.2%
TTM · consolidated
P/E
6.3x
Q4 FY26 · consolidated
NET PROFIT MARGIN
14.4%
Q3 FY26 · consolidated
Peers · Public Sector Bank
As of Q3 FY26