Industry Revenue Breakdown:

• Corporate Financing: approx. 40%
• Retail Banking: approx. 35%
• Investment Banking and Asset Management: approx. 15%
• Other Services: approx. 10%

TOP 3 Markets:

1. India: approx. 70%
2. United Arab Emirates: approx. 15%
3. United Kingdom: approx. 10%

The Bank of India Limited generates the majority of its revenue from corporate financing and retail banking. These two areas are the main drivers for the bank's business.

India remains the dominant market for the bank, attributed to its strong presence and extensive branch network in the domestic market. The United Arab Emirates and the United Kingdom are also significant markets that have gained importance through international expansion and services for the Indian diaspora.

Bank of India Limited is a bank and not a manufacturing company. Therefore, it does not produce physical products.

Bank of India offers a variety of financial services, including account management, loans, investments, and other banking services. These services are mainly offered in India, where the bank operates an extensive network of branches and ATMs. It also has international branches to serve its global customers.

Current Growth Strategy: Digitization and Branch Network Optimization

Loan Growth: Focus on SMEs and Agricultural Sector

Capital Increase: Planned Issuance of New Shares

The Bank of India Limited is pursuing a strategy that heavily emphasizes digitization to make its services more efficient and enhance customer experience. This includes investments in digital platforms and mobile banking solutions to facilitate access to banking services.

Another focus is on optimizing the branch network to reduce costs and increase efficiency. This involves both closing unprofitable branches and opening new locations in high-growth regions.

Additionally, the bank plans to expand its loan portfolio by increasing its focus on small and medium-sized enterprises (SMEs) and the agricultural sector. These sectors offer significant growth potential in India.

To support its growth plans, the Bank of India plans a capital increase through the issuance of new shares to strengthen its capital base and meet regulatory requirements.

Main Imported Raw Materials/Resources: No specific raw materials

Countries of Origin: No specific countries

The Bank of India Limited is a financial institution and not a manufacturing or processing company. Therefore, it does not import physical raw materials or resources. Instead, its main activity is providing financial services, including lending, deposit-taking, and other banking services.

For banks, the main "raw materials" are typically financial assets and capital that they can acquire in the international financial markets. However, these are not imported in the traditional sense but acquired through financial transactions.

Return on Equity (ROE): 9.5% (2024) Net Profit Margin: 7.2% (2024) Market Share in the Indian Banking Sector: approximately 4% (2024)

The Bank of India Limited has a moderate competitive advantage in the Indian banking sector. The return on equity of 9.5% indicates that the bank is able to effectively utilize its equity base to generate profits, but it is below the industry average of around 12%.

The net profit margin of 7.2% suggests that the bank operates efficiently, but there is room for improvement compared to leading banks that achieve margins of over 10%. The market share of approximately 4% indicates that the bank holds a significant, but not dominant, position in the market.

The bank benefits from a broad network and an established brand, which helps it to compete in a highly competitive environment. However, it must continue to invest in technology and customer service to strengthen its competitive position and gain market share.

Institutional Investor Share: approximately 70% (estimate based on 2023 data)

Insider Buys/Sells: No significant transactions in the last year (estimate based on 2023 data)

The institutional investor share at Bank of India Limited is traditionally high, as many large financial institutions and investment funds hold shares in the bank. This reflects the confidence of institutional investors in the stability and growth potential of the bank.

Regarding insider buys or sells, there were no significant transactions in the last year that would indicate a change in confidence by the management or directors in the bank's future development. This could suggest that the management is satisfied with the current corporate strategy.

Market share of Bank of India: Estimated 3-4% (2025)

Top competitors and their market shares:

1. State Bank of India (SBI): 23-25%
2. HDFC Bank: 10-12%
3. ICICI Bank: 8-10%
4. Punjab National Bank (PNB): 4-5%
5. Axis Bank: 4-5%
6. Kotak Mahindra Bank: 3-4%
7. Bank of Baroda: 3-4%
8. IndusInd Bank: 2-3%
9. Yes Bank: 1-2%
10. IDBI Bank: 1-2%

Moat of Bank of India:

Compared to its larger competitors like State Bank of India or HDFC Bank, Bank of India has a relatively weak moat. A company's moat refers to its ability to maintain competitive advantages and fend off competitors.

State Bank of India has a significant advantage due to its size and extensive branch network, providing a broad customer base and strong brand recognition. HDFC Bank and ICICI Bank excel in technological innovations and a strong focus on the retail segment, helping them gain market share.

Bank of India needs to focus on specific niche markets or innovative services to strengthen its moat. Currently, its advantage compared to the top banks is limited, meaning it operates in a fiercely competitive market where larger banks with stronger brands and better resources dominate.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity (ROE): 9.8% (2024)

In 2024, Bank of India Limited achieved a solid revenue growth of 8.5%. This indicates a stable business development, supported by diversification of revenue sources and improved operational efficiency.

The profit growth of 10.2% in 2024 shows that the bank was able to increase its profitability, attributed to effective cost control and improved lending practices. The return on equity of 9.8% is another positive sign, indicating efficient use of equity.

Given these indicators, Bank of India Limited appears to have a stable financial foundation, making it a potentially good investment. However, investors should also consider the macroeconomic conditions and regulatory developments in India, as these could impact the bank's future performance.

Dividend Yield: 3.5% (estimated for 2025)

Dividend History: Stable payouts in recent years

The Bank of India Limited has regularly distributed dividends in recent years, indicating a certain level of reliability. The estimated dividend yield of 3.5% for 2025 is based on past payouts and current market conditions.

The bank has proven to be a reliable dividend payer in the past, supported by its stable financial position and consistent earnings power. Therefore, investors can expect a certain level of continuity in the dividend policy, unless significant economic or regulatory changes occur.