Bank of India
NSE Symbol BANKINDIA
BANK OF INDIA has done well in the third quarter ending
Dec, 2011.
Interest on Advances stands at Rs.5171.36
cr in Q3 FY 12 – up by 5.83% from
Q2 FY 12 and up by 28.53% from Q3 FY 11.
Income on Investments stands at Rs.1841.42
cr – down by -0.09% from Q2 FY 12 and up
by 44.43% from Q3 FY 11.
Interest Earned stands at Rs.7150.12
cr – up by 3.83% from Q2 FY 12 and Up by 30.77% from Q3 FY 11.
Other Income stands at Rs.852.15 cr – up by 1.23% from Q2 FY 12 and up by 31.46% from Q3 FY 11.
Total Income stands at Rs.8002.27 cr
– up by 3.55% from Q2 FY 12; and up
by 30.85% from Q3 FY 11.
Interest Expended stands at Rs.5082.57
cr – up by 2.01% from Q2 FY 12 and up
BY 46.02% from Q3 FY 11.
Net Intt Income stands at Rs.2067.55 cr – up by 8.6% from Q2 FY 12; and up by 4.06% from Q3 FY 11.
Total Expdr(excl.prov) stands at Rs.6270.38
cr – up by 1.52% from Q2 FY 12; and up by 32.65% from Q3 FY 11.
Operating Profit stands at Rs.1731.89
cr – up by 11.63% ; and up by 24.71% from Q3 FY 11.
Provisions stands at Rs. 693.07
Cr – down by -39.96% from Q2 FY 12 and
up by 39.19% from Q3 FY 11.
Profit before tax stands at Rs.1038.82
cr - up by a huge 161.56% from Q2 FY 12;
and up by 16.61% from Q3 FY 11.
Tax Expense stands at Rs.322.67 Cr –
up by -443.5% from Q3 FY 11; and up by 35.76%
from Q3 FY 11.
Net Profit stands at Rs.716.15 Cr –
up by 45.82% from Q2 FY 12; and up by 9.64% from Q3 FY 11.
Capital Adequacy Ratio stands at 11.14%.
% of Gross/Net NPA stands at 1.78% down from 1.98 in Q2 FY 12; but up
from 0.88 in Q3 FY 11.
Return on Assets stands at 0.8 in Q3 FY 12; 0.56 in Q3 FY 11; and 0.89
in Q3 FY 11.
Basic EPS stands at Rs.13.1 in Q3 FY
12; Rs.8.99 in Q2 FY 12; Rs.9.47 in Q1 FY 12; Rs.9.37 in Q4 FY 11; and Rs.12.44
in Q3 FY 11.
The annual EPS stands at Rs.44.66.
The
current Market price is Rs.354 While the
52
week high price is Rs.498.90 and the 52
week low price is Rs.261.
The PE Ratio is 7.93.
RESULTS TABLE
|
bank
of India
|
31-Dec-11
|
30-Sep-11
|
%dif1
|
30-Jun-11
|
31-Mar-11
|
31-Dec-10
|
%dif2
|
|
Interest on Advances
|
517136
|
488647
|
5.83
|
459591
|
432515
|
402339
|
28.53
|
|
Income on Investments
|
184142
|
184310
|
-0.09
|
164067
|
141195
|
127497
|
44.43
|
|
Income on Balances With
RBI
|
18243
|
13313
|
37.03
|
22010
|
29518
|
15137
|
20.52
|
|
Others
|
-4509
|
2366
|
-290.6
|
17689
|
27465
|
1779
|
-353.46
|
|
Interest Earned
|
715012
|
688636
|
3.83
|
663357
|
630693
|
546752
|
30.77
|
|
Other Income
|
85215
|
84180
|
1.23
|
66011
|
82314
|
64824
|
31.46
|
|
Total Income
|
800227
|
772816
|
3.55
|
729368
|
713007
|
611576
|
30.85
|
|
Interest Expended
|
508257
|
498246
|
2.01
|
479261
|
399964
|
348063
|
46.02
|
|
Employees Cost
|
75890
|
72753
|
4.31
|
69995
|
146162
|
83692
|
-9.32
|
|
Other Oprtng Expenses
|
42891
|
46665
|
-8.09
|
40518
|
46352
|
40943
|
4.76
|
|
Oprting Expenses
|
118781
|
119418
|
-0.53
|
110513
|
192514
|
124635
|
-4.7
|
|
Total Expdr(excl.prov)
|
627038
|
617664
|
1.52
|
589774
|
592478
|
472698
|
32.65
|
|
Operating Profit
|
173189
|
155152
|
11.63
|
139594
|
120529
|
138878
|
24.71
|
|
Provisions
|
69307
|
115436
|
-39.96
|
56722
|
47764
|
49794
|
39.19
|
|
Profit before tax
|
103882
|
39716
|
161.56
|
82872
|
72765
|
89084
|
16.61
|
|
Tax Expense
|
32267
|
-9395
|
443.5
|
31119
|
23401
|
23768
|
35.76
|
|
Net Profit
|
71615
|
49111
|
45.82
|
51753
|
49364
|
65316
|
9.64
|
|
Face Value (Rs.)
|
10
|
10
|
0
|
10
|
10
|
10
|
0
|
|
Paid-up Equity
|
54722
|
54722
|
0
|
54722
|
54722
|
52591
|
4.05
|
|
Capital Adequacy Ratio
|
11.14
|
11.69
|
-4.7
|
11.29
|
11.42
|
11.94
|
-6.7
|
|
Basic EPS
|
13.1
|
8.99
|
45.72
|
9.47
|
9.37
|
12.44
|
5.31
|
|
Gross/Net NPA
|
4093.09
|
424464
|
-99.04
|
268971
|
194499
|
166026
|
-97.53
|
|
% of Gross/Net NPA
|
1.78
|
1.98
|
-10.1
|
1.27
|
0.91
|
0.88
|
102.27
|
|
Return on Assets
|
0.8
|
0.56
|
42.86
|
0.59
|
0.61
|
0.89
|
-10.11
|
|
Public holding (%)
|
34.14
|
34.14
|
0
|
34.14
|
34.14
|
35.53
|
-3.91
|
OTHER HIGHLIGHTS
•
Business touched `5,403,668 Mn ( YoY Growth 21.35%)
•
Deposits stood at `3,072,523 Mn (YoY Growth 21.67%)
•
CASA at 32.41%
•
Advances at `2,331,146 Mn (YoY Growth 20.94%)
•
Operating Profit increased from ` 13,888 Mn to `17,319
Mn (YoY Growth 24.69%)
•
Net Profit Increased from `6,532 Mn to `7,162Mn (YoY
Growth 9.64%)
•
Net Interest Margin increased from 2.44% to 2.55%
(Sequentially)
•
Non Interest Income increased from ` 6,482 Mn to ` 8,522
Mn (YoY Growth 31.48%)
•
Gross NPA ratio decreased from 3.02% in Sept 11 to
2.74% in Dec 11
•
Net NPA ratio decreased from 1.98% in Sept 11 to
1.78% in Dec 11
•
Cost to income ratio reduced from 47.30% in Dec 10
to 40.68% in Dec 11
•
ROA improved from 0.56% in Sept 11 to 0.80% in Dec
11
•
ROE improved from 12.07% in Sept 11 to 16.97% in Dec
11
* * * E
N D * * *
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