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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

115,777.28
46.11
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

119,430.87
N/A
4.82

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

2.87
-29.58
-17.87

EBITDA CAGR (%)

10 Years
5 Years
3 Years

13.31
-
40.52

PAT CAGR (%)

10 Years
5 Years
3 Years

1.01
1.67

P:E (Median)

8 Years
5 Years
3 Years

25.38
35.34
36.65

P:BV (Average)

8 Years
5 Years
3 Years

0.64
1.01
1.67

EV:EBITDA (Average)

8 Years
5 Years
3 Years

27.25
37.43
42.28

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 6,175.52 5,055.53 22.15% 5,821.02 4,717.61 23.39% 5,424.31 4,434.74 22.31% 5,192.44 4,214.52 23.20%
Interest Exp. 3,777.87 2,783.87 35.71% 3,475.15 2,764.25 25.72% 3,101.50 2,680.99 15.68% 2,916.33 2,604.99 11.95%
Net Interest Income 2,397.65 2,271.66 5.55% 2,345.87 1,953.36 20.09% 2,322.81 1,753.75 32.45% 2,276.11 1,609.53 41.41%
NIM 3.12 3.27 -4.59% 3.12 2.79 11.83% 3.21 2.53 26.88% 3.20 2.41 32.78%
Other Income 1,261.66 950.48 32.74% 1,114.19 1,134.84 -1.82% 803.03 593.46 35.31% 1,429.98 1,504.16 -4.93%
Total Income 7,437.18 6,006.01 23.83% 6,935.21 5,852.45 18.50% 6,227.34 5,028.20 23.85% 6,622.42 5,718.68 15.80%
Operating Exp. 1,879.09 1,682.20 11.70% 1,782.94 1,594.02 11.85% 1,780.52 1,320.84 34.80% 1,824.41 1,499.37 21.68%
Operating Profit 1,780.22 1,539.94 15.60% 1,677.12 1,494.18 12.24% 1,345.32 1,026.37 31.08% 1,881.68 1,614.32 16.56%
Provision 701.42 979.50 -28.39% 1,044.20 988.23 5.66% 837.96 630.40 32.93% 995.80 1,014.13 -1.81%
PBT 1,078.80 560.44 92.49% 632.92 505.95 25.10% 507.36 395.97 28.13% 885.88 600.19 47.60%
PBTM 17.47 11.09 57.53% 10.87 10.72 1.40% 9.35 8.93 4.70% 17.06 14.24 19.80%
TAX 356.22 5.25 6,685.14% 8.34 4.61 80.91% 7.01 3.79 84.96% 235.81 47.81 393.22%
PAT 722.58 555.19 30.15% 624.58 501.34 24.58% 500.35 392.18 27.58% 650.07 552.38 17.69%
PATM 11.70% 10.98% 10.73% 10.63% 9.22% 8.84% 12.52% 13.11%
EPS 0.38 0.29 31.03% 0.33 0.27 22.22% 0.26 0.21 23.81% 0.34 0.29 17.24%
Gross NPA 8,440.83 14,333.21 -41.11% 9,893.30 14,726.35 -32.82% 13,628.98 14,919.06 -8.65% 14,071.55 15,298.62 -8.02%
Gross NPA% 3.90 8.19 -52.38% 4.74 8.53 -44.43% 7.13 9.12 -21.82% 7.44 9.82 -24.24%
Net NPA 1,302.58 4,000.35 -67.44% 1,364.34 4,148.60 -67.11% 2,589.97 3,698.12 -29.97% 3,266.01 3,824.62 -14.61%
Net NPA% 0.62 2.43 -74.49% 0.68 2.56 -73.44% 1.44 2.43 -40.74% 1.83 2.65 -30.94%
CASA 43.49 44.50 -2.27% 43.65 42.76 2.08% 44.14 43.27 2.01% 43.74 43.44 0.69%

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Net Interest Income 2,400.15 2,273.09 5.59% 2,348.30 1,954.66 20.14% 2,325.00 1,755.00 32.48% 2,277.93 1,610.85 41.41%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 1,262.82 950.99 32.79% 1,116.60 1,134.96 -1.62% 806.70 595.09 35.56% 1,435.85 1,504.61 -4.57%
Total Income 7,442.65 6,008.07 23.88% 6,941.50 5,854.00 18.58% 6,234.15 5,031.21 23.91% 6,630.57 5,720.59 15.91%
Operating Exp. 1,881.31 1,684.28 11.70% 1,785.08 1,596.52 11.81% 1,782.67 1,322.87 34.76% 1,826.58 1,501.51 21.65%
Operating Profit 1,781.66 1,539.80 15.71% 1,679.82 1,493.10 12.51% 1,349.03 1,027.22 31.33% 1,887.20 1,613.95 16.93%
Provision 701.37 979.53 -28.40% 1,044.32 988.21 5.68% 837.94 630.40 32.92% 995.85 1,014.19 -1.81%
PBT 1,080.29 560.27 92.82% 635.50 504.89 25.87% 511.09 396.82 28.80% 891.35 599.76 48.62%
PBTM 17.48 11.08 57.76% 10.91 10.70 1.96% 9.42 8.95 5.25% 17.16 14.23 20.59%
TAX 356.16 5.22 6,722.99% 8.32 4.68 77.78% 7.06 3.72 89.78% 235.72 47.98 391.29%
PAT 724.13 555.05 30.46% 627.18 500.21 25.38% 504.03 393.10 28.22% 655.63 551.78 18.82%
PATM 11.72% 10.98% 10.77% 10.60% 9.29% 8.86% 12.62% 13.09%
EPS 0.38 0.29 31.03% 0.33 0.26 26.92% 0.27 0.21 28.57% 0.35 0.29 20.69%
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
Interest Earned 6,179.83 5,057.08 22.20% 5,824.90 4,719.04 23.43% 5,427.45 4,436.12 22.35% 5,194.72 4,215.98 23.22%
Interest Exp. 3,779.68 2,783.99 35.76% 3,476.60 2,764.38 25.76% 3,102.45 2,681.12 15.71% 2,916.79 2,605.13 11.96%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Interest Income 9,342.44 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 5,576.81 Interest Earned 22,613.29 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 22,683.73 Interest Expended 13,270.85 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 17,106.92 Int. income Growth 23.12% 30.80% 7.00% 11.23% 0.45% -3.45% 5.36% -3.59% -0.02% -3.46% Other Income 4,608.86 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 2,169.34 Total Income 27,222.15 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 7,746.15 Total Expenditure 7,266.96 9,755.51 9,262.90 10,359.82 16,706.38 15,141.75 17,573.24 11,728.28 11,442.58 7,262.12 6,761.80 Employee Cost - 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 2,362.61 % Of Sales - 21.13% 20.84% 21.83% 18.62% 15.01% 16.71% 15.44% 14.42% 11.07% 10.42% Opt. & Establishment Exp. - 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 1,527.63 % Of Sales - 13.31% 12.78% 12.48% 12.57% 11.96% 15.98% 10.56% 7.79% 7.10% 6.73% Provisions - 3,593.93 3,983.85 5,056.10 11,878.16 10,994.41 12,260.79 7,031.13 6,613.56 3,210.91 3,154.20 % Of Sales - 18.53% 23.81% 29.80% 68.24% 62.36% 68.44% 35.66% 28.12% 13.41% 13.91% EBITDA 6,684.34 2,608.13 1,951.26 1,097.71 -8,043.87 -5,656.30 -8,359.23 -3,166.06 -3,531.63 260.43 984.35 EBITDA Margin 67.86% 31.59% 30.92% 18.61% -151.69% -107.14% -152.89% -61.01% -65.61% 4.84% 17.65% Depreciation 0.00 259.89 172.19 258.00 300.61 304.24 272.47 214.86 196.48 149.00 141.32 PBT 3,104.96 2,348.24 1,779.06 839.71 -8,344.48 -5,960.54 -8,631.70 -3,380.93 -3,728.11 111.43 843.04 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 607.38 249.45 69.52 8.24 182.92 -2,222.66 -2,332.21 35.81 -830.78 565.76 241.30 Tax Rate 19.56% 10.62% 3.91% 0.98% -2.19% 37.29% 27.02% -1.06% 22.28% 507.73% 28.62% PAT 2,497.58 2,098.79 1,709.54 831.47 -8,527.40 -3,737.88 -6,299.49 -3,416.74 -2,897.33 -454.33 601.74 PAT before Minority Interest 2,497.58 2,098.79 1,709.54 831.47 -8,527.40 -3,737.88 -6,299.49 -3,416.74 -2,897.33 -454.33 601.74 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 17.90% 16.98% 15.24% 7.26% -98.44% -39.41% -68.37% -39.90% -36.62% -6.04% 7.77% PAT Growth 24.81% 22.77% 105.60% 0 0 0 0 0 0 -175.50% EPS 1.32 1.11 0.90 0.44 -4.51 -1.98 -3.33 -1.81 -1.53 -0.24 0.32

Description TTM Mar 23 Mar 22 Mar 21 Mar 03 Mar 02
Net Interest Income 9,351.38 8,260.68 6,316.35 5,906.11 1,219.83 967.91 Interest Earned 22,626.90 19,406.97 16,735.84 16,975.56 3,484.56 3,170.69 Interest Expended 13,275.52 11,146.29 10,419.49 11,069.45 2,264.73 2,202.78 Int. income Growth 23.15% 30.78% 6.95% 384.17% 26.03% Other Income 4,621.97 4,116.45 4,905.33 5,485.65 525.19 536.02 Total Income 27,248.87 12,377.13 11,221.68 11,391.76 1,745.02 1,503.93 Total Expenditure 7,275.64 9,763.27 9,270.33 10,366.99 1,328.05 1,272.88 Employee Cost - 4,102.37 3,488.89 3,705.91 0.00 0.00 % Of Sales - 21.14% 20.85% 21.83% 0% 0% Opt. & Establishment Exp. - 2,587.86 2,142.64 2,121.29 1,328.05 1,272.88 % Of Sales - 13.33% 12.80% 12.50% 38.11% 40.15% Provisions - 3,593.88 3,983.92 5,056.13 378.56 386.15 % Of Sales - 18.52% 23.80% 29.78% 10.86% 12.18% EBITDA 6,697.71 2,613.86 1,951.35 1,024.77 416.97 231.05 EBITDA Margin 67.85% 31.64% 30.89% 17.35% 34.18% 23.87% Depreciation 0.00 260.42 172.56 258.17 0.00 0.00 PBT 3,118.23 2,353.44 1,778.79 766.59 416.97 231.05 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 Provision for Tax 607.26 249.45 69.52 8.24 0.00 0.00 Tax Rate 19.47% 10.60% 3.91% 1.07% 0.00% 0.00% PAT 2,510.97 2,103.99 1,709.27 758.35 416.97 231.05 PAT before Minority Interest 2,510.97 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 PAT Margin 17.97% 17.00% 15.23% 6.66% 23.89% 15.36% PAT Growth 25.54% 23.09% 125.39% 81.87% 80.47% EPS 1.33 1.11 0.90 0.40 0.22 0.12

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 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 16,170.17 Share Capital 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 1,235.35 Total Reserves 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 14,934.82 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 260,883.29 262,158.92 240,288.30 222,951.88 222,534.08 216,831.81 211,342.63 224,514.24 246,048.72 227,976.09 Borrowings 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 24,505.78 Other Liabilities & Provisions 6,795.82 11,147.21 13,105.67 16,200.24 4,968.36 8,634.16 5,982.64 7,073.40 5,714.83 6,246.63 Total Liabilities 313,745.82 299,377.17 274,010.36 260,726.82 250,008.36 247,968.03 247,167.49 274,436.77 285,636.98 274,898.67 Net Block 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 2,567.10 Gross Block 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 3,948.88 Accumulated Depreciation 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 1,381.79 Total Non-Current Assets 296,540.05 282,560.92 256,909.98 227,937.48 233,758.30 230,573.17 238,390.11 265,566.92 278,459.73 267,731.55 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 0.09 0.11 1.12 3.48 15.55 55.72 52.79 52.17 45.00 37.28 Cash and balance with RBI 17,148.36 22,748.99 12,188.25 3,155.22 10,292.53 11,579.45 11,499.97 14,033.49 12,637.77 11,735.10 Balance with banks and money at call 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 7,273.68 Investments 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 70,236.80 Advances 178,052.57 144,243.52 127,720.65 121,333.41 132,597.63 132,488.81 140,458.62 160,860.67 171,756.02 175,881.59 Other Assets 17,205.78 16,816.24 17,100.36 32,789.35 16,250.05 17,394.85 8,777.38 8,869.84 7,177.25 7,167.12 Total Assets 313,745.83 299,377.16 274,010.34 260,726.83 250,008.35 247,968.02 247,167.49 274,436.76 285,636.98 274,898.67 Contingent Liabilities 196,131.45 97,998.90 68,276.45 71,030.57 56,648.72 58,366.45 68,326.99 75,858.74 83,531.49 70,262.78 Bills for collection 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 14,017.39 Adjusted Book Value 11.91 10.71 8.96 8.41 15.18 22.84 47.17 73.34 112.80 116.21

Description Mar 23 Mar 22 Mar 21 Mar 03 Mar 02 Mar 01
Shareholder's Funds 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 16,646.79 444.80 444.80 444.80 Total Reserves 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 Deposits 260,973.59 262,213.76 240,352.78 36,698.59 31,808.48 27,414.16 Borrowings 20,803.77 3,070.64 3,671.58 355.96 180.08 166.57 Other Liabilities & Provisions 6,796.50 11,147.82 13,106.28 2,641.78 2,389.29 1,850.55 Total Liabilities 313,449.90 299,029.97 274,229.32 41,235.67 35,476.66 30,330.24 Net Block 3,710.65 3,365.93 2,917.86 382.89 386.76 378.95 Gross Block 7,289.06 6,707.53 6,099.36 382.89 386.76 378.95 Accumulated Depreciation 3,578.41 3,341.61 3,181.50 0.00 0.00 0.00 Total Non-Current Assets 296,241.77 282,211.65 257,127.72 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 Capital Work in Progress 0.09 0.11 1.12 0.00 0.00 0.00 Cash and balance with RBI 17,150.18 22,749.65 12,189.21 2,687.94 2,212.54 2,340.86 Balance with banks and money at call 3,670.65 14,201.61 18,793.23 906.20 1,412.08 1,745.41 Investments 93,642.52 97,640.79 95,484.88 18,656.78 15,014.54 11,717.41 Advances 178,067.68 144,253.56 127,741.42 17,380.35 15,162.34 13,095.51 Other Assets 17,208.13 16,818.33 17,101.61 1,221.51 1,288.40 1,052.10 Total Assets 313,449.90 299,029.98 274,229.33 41,235.67 35,476.66 30,330.24 Contingent Liabilities 196,131.45 97,998.90 68,296.18 7,001.33 5,386.85 5,091.09 Bills for collection 19,547.86 17,216.22 15,547.89 0.00 0.00 0.00 Adjusted Book Value 11.70 10.50 8.92 34.61 24.70 20.21

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity -15,619.37 5,565.87 4,948.86 -14,022.51 -785.86 -1,998.56 -504.95 -3,091.00 5,940.90 3,278.03 PBT 2,348.24 1,779.06 -3,723.74 -8,513.84 -3,723.74 -6,239.68 -3,148.19 -2,897.33 -454.33 601.74 Adjustment 4,481.89 4,594.82 10,199.26 12,879.05 9,913.16 10,781.80 7,489.69 6,758.11 4,902.07 3,968.08 Adjustments for Liabilities & Assets -21,808.09 -59.92 -1,404.72 -17,892.65 -6,059.12 -5,163.04 -4,413.03 -6,615.59 1,515.17 -826.79 Refund/(Payment) of direct taxes -641.42 -748.09 -121.95 -495.06 -916.15 -1,377.64 -433.42 -336.19 -22.01 -465.00 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 -559.48 -47.97 -46.02 -85.41 -647.14 -109.78 -134.86 -253.56 -164.29 -226.60 Net Fixed Assets -581.39 -606.07 -36.99 -40.00 -707.14 -74.96 -85.16 -1016.58 -140.84 -1069.62 Other Investment Activity -7323.26 -6739.92 -6173.24 -6697.98 -6120.62 -5438.56 -5482.30 -5307.87 -4353.60 -4387.47 Cash from Financing Activity 12.75 478.96 1,812.84 7,277.08 5,779.50 5,430.29 1,616.60 692.24 113.15 698.93 Closing Cash & Equivalent 20,607.08 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 Net Cash Inflow / Outflow -16,166.11 5,996.86 6,715.68 -6,830.84 4,346.51 3,321.96 976.80 -2,652.31 5,889.77 3,750.36 Opening Cash & Equivalents 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 15,258.42

Description Mar 23 Mar 22 Mar 21 Mar 03 Mar 02
Cash From Operating Activity -15,583.54 5,539.15 4,948.86 -77.43 -527.66 PBT 2,353.45 1,778.96 839.71 0.00 0.00 Adjustment 4,492.90 4,665.00 5,635.81 458.71 276.89 Adjustments for Liabilities & Assets -21,788.41 -156.72 -1,404.72 -536.14 -804.56 Refund/(Payment) of direct taxes -641.48 -748.09 -121.95 0.00 0.00 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -559.64 -49.29 -46.02 -36.48 -51.35 Net Fixed Assets -581.39 -606.07 -5495.45 -36.49 Other Investment Activity -7324.58 -6739.92 -6124.31 -643.73 Cash from Financing Activity 12.75 478.96 1,812.84 83.44 117.40 Closing Cash & Equivalent 20,820.83 36,951.26 30,776.34 3,594.15 3,624.62 Net Cash Inflow / Outflow -16,130.43 5,968.82 6,715.68 -30.48 -461.62 Opening Cash & Equivalents 36,951.26 30,982.44 24,060.66 3,624.62 4,086.24

Financial Ratios

Standalone /

Consolidated

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value 11.91 10.71 8.96 8.41 15.18 22.84 47.17 73.34 112.80 116.21 NIM 2.82 2.26 2.32 2.36 2.29 2.40 2.21 2.05 1.95 2.10 Yield on Advances 10.90 11.60 13.28 14.35 13.30 13.52 14.04 14.62 13.94 12.90 Yield on Investments 6.48 6.73 7.89 7.31 8.45 7.92 8.16 8.77 7.57 7.80 Cost of Liabilities 3.96 3.93 4.54 5.30 5.40 5.51 6.39 7.20 7.02 6.78 Interest Spread 6.94 7.67 8.75 9.05 7.90 8.02 7.65 7.41 6.92 6.12 ROCE 8.20% 8.47% 5.71% -35.44% -22.91% -29.34% -5.17% -4.80% 3.81% 6.56% Cost Income Ratio 51.94 48.61 48.54 59.21 46.93 60.61 57.37 63.53 55.83 48.40 Core Cost Income Ratio 51.67 52.06 57.71 62.68 50.86 63.76 61.86 67.42 58.02 50.92 Operating Costs to Assets 2.05 1.82 2.03 1.97 1.78 2.25 1.99 1.83 1.47 1.36 Loans/Deposits 0.08 0.01 0.02 0.02 0.03 0.04 0.08 0.12 0.07 0.11 Cash/Deposits 0.07 0.09 0.05 0.01 0.05 0.05 0.05 0.06 0.05 0.05 Investment/Deposits 0.36 0.37 0.40 0.36 0.30 0.32 0.34 0.35 0.32 0.31 Inc Loan/Deposits 7.97% 1.17% 1.53% 2.43% 2.76% 4.26% 7.62% 12.11% 7.41% 10.75% Credit Deposits 68.25% 55.02% 53.15% 54.42% 59.59% 61.10% 66.46% 71.65% 69.81% 77.15% Interest Expended / Interest earned 57.45% 62.28% 65.23% 69.53% 70.06% 69.48% 73.68% 77.11% 77.51% 75.41% Interest income / Total funds 6.18% 5.59% 6.19% 6.68% 7.05% 7.22% 7.98% 8.57% 8.38% 8.25% Interest Expended / Total funds 3.55% 3.48% 4.04% 4.64% 4.94% 5.02% 5.88% 6.61% 6.50% 6.22% CASA 43.74% 43.44% 42.52% 40.26% 38.30% 36.75% 36.09% 28.72% 25.09% 25.34%

Description Mar 23 Mar 22 Mar 21 Mar 03 Mar 02 Mar 01
Book Value 11.70 10.50 8.92 34.61 24.70 20.21 NIM 2.82 2.27 2.32 3.08 2.86 3.04 Yield on Advances 10.90 11.60 13.29 20.05 20.91 21.34 Yield on Investments 6.51 6.77 7.89 0.00 0.00 0.00 Cost of Liabilities 3.96 3.93 4.54 6.11 6.89 6.95 Interest Spread 6.94 7.67 8.75 13.94 14.03 14.39 ROCE 8.31% 8.52% 9.99% 168.97% 207.63% 190.70% Cost Income Ratio 51.95 48.65 48.89 54.41 58.96 74.09 Core Cost Income Ratio 51.68 52.09 58.18 54.41 58.96 74.09 Operating Costs to Assets 2.05 1.83 2.03 2.30 2.50 2.89 Loans/Deposits 0.08 0.01 0.02 0.01 0.01 0.01 Cash/Deposits 0.07 0.09 0.05 0.07 0.07 0.09 Investment/Deposits 0.36 0.37 0.40 0.51 0.47 0.43 Inc Loan/Deposits 7.97% 1.17% 1.53% 0.97% 0.57% 0.61% Credit Deposits 68.23% 55.01% 53.15% 47.36% 47.67% 47.77% Interest Expended / Interest earned 57.43% 62.26% 65.21% 64.99% 69.47% 68.58% Interest income / Total funds 6.19% 5.60% 6.19% 8.45% 8.94% 9.21% Interest Expended / Total funds 3.56% 3.48% 4.04% 5.49% 6.21% 6.32% CASA 43.73% 43.43% 42.51% 100.00% 100.00% 100.00%

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life insurance corporation of india

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News Update:

Indian Overseas Bank - Quarterly Results
24th Jan 2024, 13:12 PM

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Indian Overseas Bank partners with IREDA
18th Jan 2024, 14:55 PM

Encompassing a range of services, the MoU includes provisions for co-lending and co-origination support for all Renewable Energy projects
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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 (%)

P:E (Median)

P:BV (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: