Indian Overseas Bank, 532388, IOB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

88,085.24
28.29
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,01,566.87
N/A
3.36

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

1.02
-28.13
-13.56

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
-
15.97

PAT CAGR (%)

10 Years
5 Years
3 Years

1.75
2.93

P:E (Median)

8 Years
5 Years
3 Years

30.09
39.62
33.91

P:BV (Average)

8 Years
5 Years
3 Years

1.12
1.75
2.93

EV:EBITDA (Average)

8 Years
5 Years
3 Years

28.57
36.60
21.60

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var%
Interest Earned 7,111.72 6,175.51 15.16% 6,850.67 5,821.02 17.69% 6,535.03 5,424.31 20.48% 6,628.89 5,192.44 27.66%
Interest Exp. 4,322.78 3,777.87 14.42% 4,313.43 3,475.15 24.12% 4,093.96 3,101.50 32.00% 3,865.81 2,916.33 32.56%
Net Interest Income 2,788.94 2,397.64 16.32% 2,537.24 2,345.87 8.16% 2,441.07 2,322.81 5.09% 2,763.08 2,276.11 21.39%
NIM 3.33 3.12 6.73% 3.08 3.12 -1.28% 3.06 3.21 -4.67% 3.53 3.20 10.31%
Other Income 1,297.53 1,261.66 2.84% 1,633.47 1,114.19 46.61% 1,032.97 803.03 28.63% 2,477.37 1,429.98 73.25%
Total Income 8,409.25 7,437.17 13.07% 8,484.14 6,935.21 22.33% 7,568.00 6,227.34 21.53% 9,106.26 6,622.42 37.51%
Operating Exp. 1,820.46 1,879.10 -3.12% 2,042.49 1,782.94 14.56% 1,798.18 1,780.52 0.99% 3,279.34 1,824.41 79.75%
Operating Profit 2,266.01 1,780.20 27.29% 2,128.22 1,677.12 26.90% 1,675.86 1,345.32 24.57% 1,961.11 1,881.68 4.22%
Provision 1,028.64 701.42 46.65% 1,146.33 1,044.20 9.78% 937.87 837.96 11.92% 767.66 995.80 -22.91%
PBT 1,237.37 1,078.78 14.70% 981.89 632.92 55.14% 737.99 507.36 45.46% 1,193.45 885.88 34.72%
PBTM 17.40 17.47 -0.40% 14.33 10.87 31.83% 11.29 9.35 20.75% 18.00 17.06 5.51%
TAX 363.71 356.22 2.10% 204.73 8.34 2,354.80% 105.18 7.01 1,400.43% 385.35 235.81 63.42%
PAT 873.66 722.56 20.91% 777.16 624.58 24.43% 632.81 500.35 26.47% 808.10 650.07 24.31%
PATM 12.28% 11.70% 11.34% 10.73% 9.68% 9.22% 12.19% 12.52%
EPS 0.46 0.38 21.05% 0.41 0.33 24.24% 0.33 0.26 26.92% 0.43 0.34 26.47%
Gross NPA 6,070.51 8,440.83 -28.08% 6,249.07 9,893.30 -36.84% 6,648.71 13,628.98 -51.22% 6,794.43 14,071.55 -51.72%
Gross NPA% 2.55 3.90 -34.62% 2.72 4.74 -42.62% 2.89 7.13 -59.47% 3.10 7.44 -58.33%
Net NPA 975.91 1,302.58 -25.08% 1,059.25 1,364.34 -22.36% 1,153.51 2,589.97 -55.46% 1,216.86 3,266.01 -62.74%
Net NPA% 0.42 0.62 -32.26% 0.47 0.68 -30.88% 0.51 1.44 -64.58% 0.57 1.83 -68.85%
CASA 43.37 43.49 -0.28% 42.44 43.65 -2.77% 42.17 44.14 -4.46% 43.90 43.74 0.37%

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var%
Interest Earned 7,115.88 6,179.84 15.15% 6,853.94 5,824.90 17.67% 6,539.01 5,427.45 20.48% 6,633.50 5,194.72 27.70%
Interest Exp. 4,323.94 3,779.68 14.40% 4,314.55 3,476.60 24.10% 4,095.57 3,102.45 32.01% 3,867.77 2,916.79 32.60%
Net Interest Income 2,791.94 2,400.16 16.32% 2,539.39 2,348.30 8.14% 2,443.44 2,325.00 5.09% 2,765.73 2,277.93 21.41%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 1,299.46 1,262.82 2.90% 1,635.96 1,116.60 46.51% 1,048.46 806.70 29.97% 2,479.17 1,435.85 72.66%
Total Income 8,415.34 7,442.66 13.07% 8,489.90 6,941.50 22.31% 7,587.47 6,234.15 21.71% 9,112.67 6,630.57 37.43%
Operating Exp. 1,823.78 1,881.31 -3.06% 2,044.69 1,785.08 14.54% 1,800.18 1,782.67 0.98% 3,281.38 1,826.58 79.65%
Operating Profit 2,267.62 1,781.67 27.27% 2,130.66 1,679.82 26.84% 1,691.72 1,349.03 25.40% 1,963.52 1,887.20 4.04%
Provision 1,028.64 701.37 46.66% 1,146.31 1,044.32 9.77% 937.88 837.94 11.93% 767.56 995.85 -22.92%
PBT 1,238.98 1,080.30 14.69% 984.35 635.50 54.89% 753.84 511.09 47.50% 1,195.96 891.35 34.17%
PBTM 17.41 17.48 -0.40% 14.36 10.91 31.62% 11.53 9.42 22.40% 18.03 17.16 5.07%
TAX 363.71 356.16 2.12% 204.73 8.32 2,360.70% 105.18 7.06 1,389.80% 385.54 235.72 63.56%
PAT 875.27 724.14 20.87% 779.62 627.18 24.31% 648.66 504.03 28.69% 810.42 655.63 23.61%
PATM 12.30% 11.72% 11.37% 10.77% 9.92% 9.29% 12.22% 12.62%
EPS 0.46 0.38 21.05% 0.41 0.33 24.24% 0.34 0.27 25.93% 0.43 0.35 22.86%
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Interest Income 10,530.33 9,829.41 8,254.89 6,311.14 5,898.51 5,302.83 5,279.13 5,467.57 5,189.58 5,382.69 5,383.95 Interest Earned 27,126.31 24,049.73 19,400.33 16,729.87 16,965.53 17,406.11 17,631.26 17,915.21 19,718.60 23,517.29 23,938.33 Interest Expended 16,595.98 14,220.32 11,145.44 10,418.73 11,067.02 12,103.28 12,352.13 12,447.64 14,529.02 18,134.60 18,554.38 Int. income Growth 12.72% 19.07% 30.80% 7.00% 11.23% 0.45% -3.45% 5.36% -3.59% -0.02% Other Income 6,441.34 5,656.26 4,108.75 4,903.02 5,559.02 3,359.68 4,206.32 3,746.44 3,372.64 2,528.26 2,138.60 Total Income 33,567.65 15,485.67 12,363.64 11,214.16 11,457.53 8,662.51 9,485.45 9,214.01 8,562.22 7,910.95 7,522.55 Total Expenditure 8,940.47 11,737.28 9,755.50 9,262.90 10,359.82 16,706.38 15,141.75 17,573.24 11,728.28 11,442.58 7,262.12 Employee Cost - 6,140.13 4,099.05 3,485.77 3,702.78 3,240.72 2,646.85 2,994.14 3,044.67 3,390.40 2,649.54 % Of Sales - 25.53% 21.13% 20.84% 21.83% 18.62% 15.01% 16.71% 15.44% 14.42% 11.07% Opt. & Establishment Exp. - 2,917.63 2,582.31 2,137.66 2,116.94 2,188.72 2,108.97 2,863.25 2,082.20 1,831.58 1,699.67 % Of Sales - 12.13% 13.31% 12.78% 12.48% 12.57% 11.96% 15.98% 10.56% 7.79% 7.10% Provisions - 3,351.22 3,593.92 3,983.85 5,056.10 11,878.16 10,994.41 12,260.79 7,031.13 6,613.56 3,210.91 % Of Sales - 13.93% 18.53% 23.81% 29.80% 68.24% 62.36% 68.44% 35.66% 28.12% 13.41% EBITDA 8,031.20 3,748.39 2,608.14 1,951.26 1,097.71 -8,043.87 -5,656.30 -8,359.23 -3,166.06 -3,531.63 260.43 EBITDA Margin 67.04% 38.13% 31.60% 30.92% 18.61% -151.69% -107.14% -152.89% -61.01% -65.61% 4.84% Depreciation 0.00 335.85 259.89 172.19 258.00 300.61 304.24 272.47 214.86 196.48 149.00 PBT 4,150.70 3,412.54 2,348.25 1,779.06 839.71 -8,344.48 -5,960.54 -8,631.70 -3,380.93 -3,728.11 111.43 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 1,058.97 756.92 249.46 69.52 8.24 182.92 -2,222.66 -2,332.21 35.81 -830.78 565.76 Tax Rate 25.51% 22.18% 10.62% 3.91% 0.98% -2.19% 37.29% 27.02% -1.06% 22.28% 507.73% PAT 3,091.73 2,655.62 2,098.79 1,709.54 831.47 -8,527.40 -3,737.88 -6,299.49 -3,416.74 -2,897.33 -454.33 PAT before Minority Interest 3,091.73 2,655.62 2,098.79 1,709.54 831.47 -8,527.40 -3,737.88 -6,299.49 -3,416.74 -2,897.33 -454.33 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 18.22% 17.15% 16.98% 15.24% 7.26% -98.44% -39.41% -68.37% -39.90% -36.62% -6.04% PAT Growth 23.79% 26.53% 22.77% 105.60% 0 0 0 0 0 0 EPS 1.64 1.40 1.11 0.90 0.44 -4.51 -1.98 -3.33 -1.81 -1.53 -0.24

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 03 Mar 02
Net Interest Income 10,540.50 9,839.17 8,260.68 6,316.35 5,906.11 1,219.83 967.91 Interest Earned 27,142.33 24,065.67 19,406.97 16,735.84 16,975.56 3,484.56 3,170.69 Interest Expended 16,601.83 14,226.50 11,146.29 10,419.49 11,069.45 2,264.73 2,202.78 Int. income Growth 12.72% 19.11% 30.78% 6.95% 384.17% 26.03% Other Income 6,463.05 5,665.30 4,116.45 4,905.33 5,485.65 525.19 536.02 Total Income 33,605.38 15,504.47 12,377.13 11,221.68 11,391.76 1,745.02 1,503.93 Total Expenditure 8,950.03 11,011.28 9,534.41 9,270.33 10,366.99 1,328.05 1,272.88 Employee Cost - 6,143.28 4,102.37 3,488.89 3,705.91 0.00 0.00 % Of Sales - 25.53% 21.14% 20.85% 21.83% 0% 0% Opt. & Establishment Exp. - 2,923.62 2,587.86 2,142.64 2,121.29 1,328.05 1,272.88 % Of Sales - 12.15% 13.33% 12.80% 12.50% 38.11% 40.15% Provisions - 2,617.12 3,365.02 3,983.92 5,056.13 378.56 386.15 % Of Sales - 10.87% 17.34% 23.80% 29.78% 10.86% 12.18% EBITDA 8,053.52 4,493.19 2,842.72 1,951.35 1,024.77 416.97 231.05 EBITDA Margin 67.03% 45.67% 34.41% 30.89% 17.35% 34.18% 23.87% Depreciation 0.00 336.37 260.42 172.56 258.17 0.00 0.00 PBT 4,173.13 4,156.82 2,582.30 1,778.79 766.59 416.97 231.05 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 1,059.16 1,491.16 478.31 69.52 8.24 0.00 0.00 Tax Rate 25.38% 35.87% 18.52% 3.91% 1.07% 0.00% 0.00% PAT 3,113.97 2,665.66 2,103.99 1,709.27 758.35 416.97 231.05 PAT before Minority Interest 3,113.97 2,665.66 2,103.99 1,709.27 758.35 416.97 231.05 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 18.31% 17.19% 17.00% 15.23% 6.66% 23.89% 15.36% PAT Growth 24.01% 26.70% 23.09% 125.39% 81.87% 80.47% EPS 1.65 1.41 1.11 0.90 0.40 0.22 0.12

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 27,942.30 25,262.94 23,000.40 16,944.81 16,154.97 16,359.88 13,273.98 13,744.55 15,665.82 15,641.02 Share Capital 18,902.41 18,902.41 18,902.41 16,436.99 16,436.99 9,141.65 4,890.77 2,454.73 1,807.27 1,235.35 Total Reserves 9,039.89 6,360.53 4,097.98 507.82 -282.01 7,218.23 8,383.21 11,289.82 13,858.55 14,405.67 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 2,85,905.38 2,60,883.29 2,62,158.92 2,40,288.30 2,22,951.88 2,22,534.08 2,16,831.81 2,11,342.63 2,24,514.24 2,46,048.72 Borrowings 30,387.17 20,803.77 3,070.64 3,671.58 5,419.73 6,146.04 9,228.08 16,097.67 27,183.31 18,232.41 Other Liabilities & Provisions 7,798.77 6,783.98 11,147.21 13,105.67 16,200.24 4,968.36 8,634.16 5,982.64 7,073.40 5,714.83 Total Liabilities 3,52,033.62 3,13,733.98 2,99,377.17 2,74,010.36 2,60,726.82 2,50,008.36 2,47,968.03 2,47,167.49 2,74,436.77 2,85,636.98 Net Block 3,725.28 3,709.89 3,364.79 2,917.66 3,123.86 3,321.35 2,837.71 3,001.54 3,218.30 2,462.07 Gross Block 7,531.83 7,275.20 6,693.79 6,086.71 6,047.36 5,995.29 5,247.98 5,175.95 5,091.41 4,082.00 Accumulated Depreciation 3,806.55 3,565.31 3,329.00 3,169.05 2,923.50 2,673.94 2,410.27 2,174.41 1,873.12 1,619.93 Total Non-Current Assets 3,35,245.07 2,96,539.78 2,82,560.92 2,56,909.98 2,27,937.48 2,33,758.30 2,30,573.17 2,38,390.11 2,65,566.92 2,78,459.73 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 14.48 0.09 0.11 1.12 3.48 15.55 55.72 52.79 52.17 45.00 Cash and balance with RBI 16,904.56 17,148.09 22,748.99 12,188.25 3,155.22 10,292.53 11,579.45 11,499.97 14,033.49 12,637.77 Balance with banks and money at call 1,649.86 3,458.73 14,024.20 18,588.08 20,905.43 20,598.97 14,965.54 11,723.07 8,212.74 12,260.77 Investments 99,632.08 94,170.41 98,179.31 95,494.22 79,416.08 66,932.27 68,645.94 71,654.12 79,189.55 79,298.10 Advances 2,13,318.81 1,78,052.57 1,44,243.52 1,27,720.65 1,21,333.41 1,32,597.63 1,32,488.81 1,40,458.62 1,60,860.67 1,71,756.02 Other Assets 16,788.55 17,194.20 16,816.24 17,100.36 32,789.35 16,250.05 17,394.85 8,777.38 8,869.84 7,177.25 Total Assets 3,52,033.62 3,13,733.98 2,99,377.16 2,74,010.34 2,60,726.83 2,50,008.35 2,47,968.02 2,47,167.49 2,74,436.76 2,85,636.98 Contingent Liabilities 1,95,742.16 1,96,131.45 97,998.90 68,276.45 71,030.57 56,648.72 58,366.45 68,326.99 75,858.74 83,531.49 Bills for collection 19,119.01 19,547.86 17,216.22 15,547.89 15,348.25 15,203.63 15,239.38 14,109.56 19,123.34 14,916.55 Adjusted Book Value 13.34 11.91 10.71 8.96 8.41 15.18 22.84 47.17 73.34 112.80

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 03 Mar 02 Mar 01
Shareholder's Funds 27,561.45 24,876.04 22,597.75 17,098.68 1,539.34 1,098.81 898.96 Share Capital 18,902.41 18,902.41 18,902.41 16,646.79 444.80 444.80 444.80 Total Reserves 8,659.04 5,973.63 3,695.34 451.89 1,094.54 654.01 454.16 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 2,86,121.48 2,60,973.59 2,62,213.76 2,40,352.78 36,698.59 31,808.48 27,414.16 Borrowings 30,387.17 20,803.77 3,070.64 3,671.58 355.96 180.08 166.57 Other Liabilities & Provisions 7,799.23 6,784.66 11,147.82 13,106.28 2,641.78 2,389.29 1,850.55 Total Liabilities 3,51,869.33 3,13,438.06 2,99,029.97 2,74,229.32 41,235.67 35,476.66 30,330.24 Net Block 3,725.71 3,710.65 3,365.93 2,917.86 382.89 386.76 378.95 Gross Block 7,545.88 7,289.06 6,707.53 6,099.36 382.89 386.76 378.95 Accumulated Depreciation 3,820.17 3,578.41 3,341.61 3,181.50 0.00 0.00 0.00 Total Non-Current Assets 3,35,079.14 2,96,241.51 2,82,211.65 2,57,127.72 40,014.16 34,188.26 29,278.14 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 14.48 0.09 0.11 1.12 0.00 0.00 0.00 Cash and balance with RBI 16,905.54 17,149.92 22,749.65 12,189.21 2,687.94 2,212.54 2,340.86 Balance with banks and money at call 1,909.36 3,670.65 14,201.61 18,793.23 906.20 1,412.08 1,745.41 Investments 99,193.92 93,642.52 97,640.79 95,484.88 18,656.78 15,014.54 11,717.41 Advances 2,13,330.13 1,78,067.68 1,44,253.56 1,27,741.42 17,380.35 15,162.34 13,095.51 Other Assets 16,790.19 17,196.56 16,818.33 17,101.61 1,221.51 1,288.40 1,052.10 Total Assets 3,51,869.33 3,13,438.07 2,99,029.98 2,74,229.33 41,235.67 35,476.66 30,330.24 Contingent Liabilities 1,95,742.16 1,96,131.45 97,998.90 68,296.18 7,001.33 5,386.85 5,091.09 Bills for collection 19,119.01 19,547.86 17,216.22 15,547.89 0.00 0.00 0.00 Adjusted Book Value 13.14 11.70 10.50 8.92 34.61 24.70 20.21

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity -1,165.42 -15,595.28 5,565.87 4,948.86 -14,022.51 -785.86 -1,998.56 -504.95 -3,091.00 5,940.90 PBT 3,412.54 2,348.24 1,779.06 -3,723.74 -8,513.84 -3,723.74 -6,239.68 -3,148.19 -2,897.33 -454.33 Adjustment 3,224.42 4,486.08 4,594.82 10,199.26 12,879.05 9,913.16 10,781.80 7,489.69 6,758.11 4,902.07 Adjustments for Liabilities & Assets -7,219.38 -22,093.60 -59.92 -1,404.72 -17,892.65 -6,059.12 -5,163.04 -4,413.03 -6,615.59 1,515.17 Refund/(Payment) of direct taxes -583.00 -336.00 -748.09 -121.95 -495.06 -916.15 -1,377.64 -433.42 -336.19 -22.01 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -359.29 -559.48 -47.97 -46.02 -85.41 -647.14 -109.78 -134.86 -253.56 -164.29 Net Fixed Assets -271.02 -581.39 -606.07 -36.99 -40.00 -707.14 -74.96 -85.16 -1016.58 -140.84 Other Investment Activity -8105.79 -7323.26 -6739.92 -6173.24 -6697.98 -6120.62 -5438.56 -5482.30 -5307.87 -4353.60 Cash from Financing Activity -527.69 -11.61 478.96 1,812.84 7,277.08 5,779.50 5,430.29 1,616.60 692.24 113.15 Closing Cash & Equivalent 18,554.42 20,606.82 36,773.19 30,776.34 24,060.66 30,891.50 26,544.99 23,223.03 22,246.24 24,898.55 Net Cash Inflow / Outflow -2,052.40 -16,166.37 5,996.86 6,715.68 -6,830.84 4,346.51 3,321.96 976.80 -2,652.31 5,889.77 Opening Cash & Equivalents 20,606.82 36,773.19 30,776.34 24,060.66 30,891.50 26,544.99 23,223.03 22,246.24 24,898.55 19,008.78

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 03 Mar 02
Cash From Operating Activity -1,118.95 -13,654.68 5,539.15 4,948.86 -77.43 -527.66 PBT 3,422.74 2,353.45 1,778.96 839.71 0.00 0.00 Adjustment 3,224.90 4,514.76 4,665.00 5,635.81 458.71 276.89 Adjustments for Liabilities & Assets -7,183.59 -20,186.88 -156.72 -1,404.72 -536.14 -804.56 Refund/(Payment) of direct taxes -583.00 -336.00 -748.09 -121.95 0.00 0.00 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -359.29 -559.64 -49.29 -46.02 -36.48 -51.35 Net Fixed Assets -271.02 -581.39 -606.07 -5495.45 -36.49 Other Investment Activity -8105.95 -7324.58 -6739.92 -6124.31 -643.73 Cash from Financing Activity -527.69 -1,916.11 478.96 1,812.84 83.44 117.40 Closing Cash & Equivalent 18,814.90 20,820.83 36,951.26 30,776.34 3,594.15 3,624.62 Net Cash Inflow / Outflow -2,005.93 -16,130.43 5,968.82 6,715.68 -30.48 -461.62 Opening Cash & Equivalents 20,820.83 36,951.26 30,982.44 24,060.66 3,624.62 4,086.24

Financial Ratios

Standalone /

Consolidated

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value 13.34 11.91 10.71 8.96 8.41 15.18 22.84 47.17 73.34 112.80 NIM 2.97 2.82 2.26 2.32 2.36 2.29 2.40 2.21 2.05 1.95 Yield on Advances 11.27 10.90 11.60 13.28 14.35 13.30 13.52 14.04 14.62 13.94 Yield on Investments 6.24 6.48 6.73 7.89 7.31 8.45 7.92 8.16 8.77 7.57 Cost of Liabilities 4.50 3.96 3.93 4.54 5.30 5.40 5.51 6.39 7.20 7.02 Interest Spread 6.78 6.94 7.67 8.75 9.05 7.90 8.02 7.65 7.41 6.92 ROCE 9.63% 8.20% 8.47% 5.71% -35.44% -22.91% -29.34% -5.17% -4.80% 3.81% Cost Income Ratio 56.32 51.94 48.61 48.54 59.21 46.93 60.61 57.37 63.53 55.83 Core Cost Income Ratio 60.31 51.67 52.06 57.71 62.68 50.86 63.76 61.86 67.42 58.02 Operating Costs to Assets 2.48 2.05 1.82 2.03 1.97 1.78 2.25 1.99 1.83 1.47 Loans/Deposits 0.11 0.08 0.01 0.02 0.02 0.03 0.04 0.08 0.12 0.07 Cash/Deposits 0.06 0.07 0.09 0.05 0.01 0.05 0.05 0.05 0.06 0.05 Investment/Deposits 0.35 0.36 0.37 0.40 0.36 0.30 0.32 0.34 0.35 0.32 Inc Loan/Deposits 10.63% 7.97% 1.17% 1.53% 2.43% 2.76% 4.26% 7.62% 12.11% 7.41% Credit Deposits 74.61% 68.25% 55.02% 53.15% 54.42% 59.59% 61.10% 66.46% 71.65% 69.81% Interest Expended / Interest earned 59.13% 57.45% 62.28% 65.23% 69.53% 70.06% 69.48% 73.68% 77.11% 77.51% Interest income / Total funds 6.83% 6.18% 5.59% 6.19% 6.68% 7.05% 7.22% 7.98% 8.57% 8.38% Interest Expended / Total funds 4.04% 3.55% 3.48% 4.04% 4.64% 4.94% 5.02% 5.88% 6.61% 6.50% CASA 43.90% 43.74% 43.44% 42.52% 40.26% 38.30% 36.75% 36.09% 28.72% 25.09%

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 03 Mar 02 Mar 01
Book Value 13.14 11.70 10.50 8.92 34.61 24.70 20.21 NIM 2.97 2.82 2.27 2.32 3.08 2.86 3.04 Yield on Advances 11.28 10.90 11.60 13.29 20.05 20.91 21.34 Yield on Investments 6.28 6.51 6.77 7.89 0.00 0.00 0.00 Cost of Liabilities 4.49 3.96 3.93 4.54 6.11 6.89 6.95 Interest Spread 6.79 6.94 7.67 8.75 13.94 14.03 14.39 ROCE 11.13% 8.95% 8.52% 9.99% 168.97% 207.63% 190.70% Cost Income Ratio 56.31 51.95 48.65 48.89 54.41 58.96 74.09 Core Cost Income Ratio 60.29 51.68 52.09 58.18 54.41 58.96 74.09 Operating Costs to Assets 2.48 2.05 1.83 2.03 2.30 2.50 2.89 Loans/Deposits 0.11 0.08 0.01 0.02 0.01 0.01 0.01 Cash/Deposits 0.06 0.07 0.09 0.05 0.07 0.07 0.09 Investment/Deposits 0.35 0.36 0.37 0.40 0.51 0.47 0.43 Inc Loan/Deposits 10.62% 7.97% 1.17% 1.53% 0.97% 0.57% 0.61% Credit Deposits 74.56% 68.23% 55.01% 53.15% 47.36% 47.67% 47.77% Interest Expended / Interest earned 59.12% 57.43% 62.26% 65.21% 64.99% 69.47% 68.58% Interest income / Total funds 6.84% 6.19% 5.60% 6.19% 8.45% 8.94% 9.21% Interest Expended / Total funds 4.04% 3.56% 3.48% 4.04% 5.49% 6.21% 6.32% CASA 43.87% 43.73% 43.43% 42.51% 100.00% 100.00% 100.00%

Top Investors:

life insurance corporation of india

Annual Reports:

News Update:

Indian Overseas Bank reports 21% rise in Q3 consolidated net profit
20th Jan 2025, 16:13 PM

Total consolidated income of the bank increased by 13.07% at Rs 8,415.34 crore for Q3FY25
Read More
Indian Overseas Bank - Quarterly Results
20th Jan 2025, 12:35 PM

Read More
Indian Overseas Bank to sell Rs 11,500 crore NPAs
10th Jan 2025, 14:14 PM

The sale will be conducted through an e-auction under the open auction method on a portfolio basis
Read More

Indian Overseas Bank

Bank - Public

BSE: 532388 | NSE: IOB

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

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P:BV (Average)

EV:EBITDA (Average)

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Consolidated Figures in Rs. Crores /

Annual Results

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Results Balance Sheet

Standalone Figures in Rs. Crores /

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Top Investors:

Annual Reports:

News Update:

Indian Overseas Bank

Bank - Public

BSE: 532388 | NSE: IOB

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Standalone Figures in Rs. Crores /

Results Balance Sheet

Standalone Figures in Rs. Crores /

Cash Flow

Standalone Figures in Rs. Crores /

Financial Ratios

Standalone /

Top Investors:

Annual Reports:

News Update: