Nifty
Sensex
:
:
24586.70
80664.86
84.55 (0.35%)
145.52 (0.18%)

Bank - Public

Rating :
70/99

BSE: 532388 | NSE: IOB

62.99
05-Jul-2024
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  62.21
  •  63.65
  •  62.21
  •  63.12
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  8981403
  •  5662.59
  •  83.75
  •  25.60

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 129,160.18
  • 45.13
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 142,641.81
  • N/A
  • 4.84

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 96.38%
  • 0.06%
  • 1.90%
  • FII
  • DII
  • Others
  • 0.05%
  • 1.30%
  • 0.31%

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
  • 1.24
  • 2.07

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 26.59
  • 36.94
  • 36.50

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.79
  • 1.24
  • 2.07

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 27.88
  • 37.32
  • 36.82

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Var%
Dec 23
Dec 22
Var%
Sep 23
Sep 22
Var%
Jun 23
Jun 22
Var%
Interest Earned
6,633.50
5,194.72
27.70%
6,179.83
5,057.08
22.20%
5,824.90
4,719.04
23.43%
5,427.45
4,436.12
22.35%
Interest Exp.
3,867.77
2,916.79
32.60%
3,779.68
2,783.99
35.76%
3,476.60
2,764.38
25.76%
3,102.45
2,681.12
15.71%
Net Interest Income
2,765.73
2,277.93
21.41%
2,400.15
2,273.09
5.59%
2,348.30
1,954.66
20.14%
2,325.00
1,755.00
32.48%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
2,479.17
1,435.85
72.66%
1,262.82
950.99
32.79%
1,116.60
1,134.96
-1.62%
806.70
595.09
35.56%
Total Income
9,112.67
6,630.57
37.43%
7,442.65
6,008.07
23.88%
6,941.50
5,854.00
18.58%
6,234.15
5,031.21
23.91%
Operating Exp.
3,281.38
1,826.58
79.65%
1,881.31
1,684.28
11.70%
1,785.08
1,596.52
11.81%
1,782.67
1,322.87
34.76%
Operating Profit
1,963.52
1,887.20
4.04%
1,781.66
1,539.80
15.71%
1,679.82
1,493.10
12.51%
1,349.03
1,027.22
31.33%
Provision
767.56
995.85
-22.92%
701.37
979.53
-28.40%
1,044.32
988.21
5.68%
837.94
630.40
32.92%
PBT
1,195.96
891.35
34.17%
1,080.29
560.27
92.82%
635.50
504.89
25.87%
511.09
396.82
28.80%
PBTM
18.03
17.16
5.07%
17.48
11.08
57.76%
10.91
10.70
1.96%
9.42
8.95
5.25%
TAX
385.54
235.72
63.56%
356.16
5.22
6,722.99%
8.32
4.68
77.78%
7.06
3.72
89.78%
PAT
810.42
655.63
23.61%
724.13
555.05
30.46%
627.18
500.21
25.38%
504.03
393.10
28.22%
PATM
12.22%
12.62%
11.72%
10.98%
10.77%
10.60%
9.29%
8.86%
EPS
0.43
0.35
22.86%
0.38
0.29
31.03%
0.33
0.26
26.92%
0.27
0.21
28.57%
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 03
Mar 02
Net Interest Income
-
9,839.17
8,260.68
6,316.35
5,906.11
1,219.83
967.91
Interest Earned
-
24,065.67
19,406.97
16,735.84
16,975.56
3,484.56
3,170.69
Interest Expended
-
14,226.50
11,146.29
10,419.49
11,069.45
2,264.73
2,202.78
Int. income Growth
-
19.11%
30.78%
6.95%
384.17%
26.03%
 
Other Income
-
5,665.30
4,116.45
4,905.33
5,485.65
525.19
536.02
Total Income
-
15,504.47
12,377.13
11,221.68
11,391.76
1,745.02
1,503.93
Total Expenditure
-
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
-
4,493.19
2,842.72
1,951.35
1,024.77
416.97
231.05
EBITDA Margin
-
45.67%
34.41%
30.89%
17.35%
34.18%
23.87%
Depreciation
-
336.37
260.42
172.56
258.17
0.00
0.00
PBT
-
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
-
1,491.16
478.31
69.52
8.24
0.00
0.00
Tax Rate
-
35.87%
18.52%
3.91%
1.07%
0.00%
0.00%
PAT
-
2,665.66
2,103.99
1,709.27
758.35
416.97
231.05
PAT before Minority Interest
-
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
PAT Margin
-
17.19%
17.00%
15.23%
6.66%
23.89%
15.36%
PAT Growth
-
26.70%
23.09%
125.39%
81.87%
80.47%
 
EPS
-
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 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
286,121.48
260,973.59
262,213.76
240,352.78
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
351,869.33
313,438.06
299,029.97
274,229.32
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
335,079.14
296,241.51
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
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
213,330.13
178,067.68
144,253.56
127,741.42
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
351,869.33
313,438.07
299,029.98
274,229.33
41,235.67
35,476.66
30,330.24
Contingent Liabilities
195,742.16
196,131.45
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 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 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%

News Update:


  • Indian Overseas Bank unveils upgradation facility on Savings Scheme
    8th Jul 2024, 12:29 PM

    The initiative was in the backdrop of simplifying banking processes by leveraging digital technology providing convenience

    Read More
  • Indian Overseas Bank reports 24% rise in Q4 consolidated net profit
    10th May 2024, 11:42 AM

    Total consolidated income of the bank increased by 37.43% at Rs 9,112.67 crore for Q4FY24

    Read More
  • Indian Overseas Bank - Quarterly Results
    9th May 2024, 14:25 PM

    Read More
  • IOB to sell 92 non-performing loans with outstanding of Rs 13,471.68 crore
    6th May 2024, 16:30 PM

    The public sector lender invited expressions of interest from ARCs and other eligible transferees by May 13 to participate in the auction process

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.