Indian Overseas Bank Live BSE/NSE | Indian Overseas Bank Fundamenta data | Indian Overseas Bank Balance sheet | Indian Overseas Bank Quarterly Results | Indian Overseas Bank Profit & Loss

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

17,982.07
N/A
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

20,246.57
N/A
1.28

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

2.34
-0.30
-1.01

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
13.35
-1.11

PAT CAGR (%)

10 Years
5 Years
3 Years

-
24.10
10.62

P:E (Median)

8 Years
5 Years
3 Years

P:BV (Average)

8 Years
5 Years
3 Years

1.15
1.15
1.15

EV:EBITDA (Average)

8 Years
5 Years
3 Years

5.48
4.08
2.48

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Interest Earned 4,362.54 4,275.65 2.03% 4,301.84 4,336.39 -0.80% 4,442.17 4,556.50 -2.51% 4,351.90 4,542.42 -4.19%
Interest Exp. 2,801.24 3,071.76 -8.81% 2,889.52 3,047.93 -5.20% 2,910.40 3,077.49 -5.43% 3,073.19 3,158.71 -2.71%
Net Interest Income 1,561.30 1,203.89 29.69% 1,412.32 1,288.46 9.61% 1,531.77 1,479.01 3.57% 1,278.71 1,383.71 -7.59%
NIM 2.27 1.86 22.04% 2.08 2.01 3.48% 2.03 2.31 -12.12% 1.94 2.16 -10.19%
Other Income 1,068.04 748.35 42.72% 931.79 670.09 39.05% 1,041.89 917.42 13.57% 846.04 1,146.17 -26.19%
Total Income 5,430.58 5,024.00 8.09% 5,233.63 5,006.48 4.54% 5,484.06 5,473.92 0.19% 5,197.94 5,688.59 -8.63%
Operating Exp. 1,283.12 1,206.23 6.37% 1,249.96 1,130.39 10.58% 1,429.80 1,264.93 13.03% 1,362.41 1,063.74 28.08%
Operating Profit 1,346.22 746.01 80.46% 1,094.15 828.16 32.12% 1,143.86 1,131.50 1.09% 762.34 1,466.14 -48.00%
Provision 1,192.55 2,996.04 -60.20% 969.52 1,157.82 -16.26% 1,060.38 4,501.92 -76.45% 6,663.94 2,075.28 221.11%
PBT 153.67 -2,250.03 - 124.63 -329.66 - 83.48 -3,370.42 - -5,901.60 -609.14 -
PBTM 3.52 -52.62 - 2.90 -7.60 - 1.88 -73.97 - -135.61 -13.41 -
TAX 5.53 3.61 53.19% 3.94 12.42 -68.28% -7.00 -1,385.26 - 173.89 -263.12 -
PAT 148.14 -2,253.64 - 120.69 -342.08 - 90.48 -1,985.16 - -6,075.49 -346.02 -
PATM 3.40% -52.71% 2.81% -7.89% 2.04% -43.57% -139.61% -7.62%
EPS 0.09 -2.47 - 0.07 -0.37 - 0.06 -2.17 - -4.83 -0.55 -
Gross NPA 17,659.63 28,673.95 -38.41% 18,290.84 33,262.00 -45.01% 19,912.70 33,398.12 -40.38% 23,733.86 35,786.57 -33.68%
Gross NPA% 13.04 20.00 -34.80% 13.90 22.53 -38.30% 14.78 21.97 -32.73% 17.12 23.76 -27.95%
Net NPA 5,290.60 12,507.97 -57.70% 6,080.89 14,173.84 -57.10% 6,602.80 14,368.30 -54.05% 7,087.09 17,987.92 -60.60%
Net NPA% 4.30 9.84 -56.30% 5.10 11.04 -53.80% 5.44 10.81 -49.68% 5.81 13.56 -57.15%
CASA 40.57 38.47 5.46% 41.38 38.38 7.82% 40.67 38.72 5.04% 39.10 37.26 4.94%

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Interest Earned 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Interest Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NIM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Profit 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Provision 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBTM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TAX 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CASA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Net Interest Income 5,784.10 5,302.83 5,279.13 5,467.57 5,189.58 5,382.69 5,383.95 5,576.81 5,251.95 5,016.17 4,208.03 Interest Earned 17,458.45 17,406.11 17,631.26 17,915.21 19,718.60 23,517.29 23,938.33 22,683.73 20,676.73 17,889.11 12,101.47 Interest Expended 11,674.35 12,103.28 12,352.13 12,447.64 14,529.02 18,134.60 18,554.38 17,106.92 15,424.78 12,872.94 7,893.44 Int. income Growth 8.01% 0.45% -3.45% 5.36% -3.59% -0.02% -3.46% 6.19% 4.70% 19.20% Other Income 3,887.76 3,359.68 4,206.32 3,746.44 3,372.64 2,528.26 2,138.60 2,169.34 1,972.90 1,681.04 1,225.10 Total Income 21,346.21 8,662.51 9,485.45 9,214.01 8,562.22 7,910.95 7,522.55 7,746.15 7,224.85 6,697.21 5,433.13 Total Expenditure 5,325.29 16,706.38 15,141.75 17,573.24 11,728.28 11,442.58 7,262.12 6,761.80 6,350.78 5,288.45 3,735.90 Employee Cost - 3,240.72 2,646.85 2,994.14 3,044.67 3,390.40 2,649.54 2,362.61 2,248.35 2,082.98 1,741.14 % Of Sales - 18.62% 15.01% 16.71% 15.44% 14.42% 11.07% 10.42% 10.87% 11.64% 14.39% Opt. & Establishment Exp. - 2,188.72 2,108.97 2,863.25 2,082.20 1,831.58 1,699.67 1,527.63 1,286.08 1,191.15 936.35 % Of Sales - 12.57% 11.96% 15.98% 10.56% 7.79% 7.10% 6.73% 6.22% 6.66% 7.74% Provisions - 11,878.16 10,994.41 12,260.79 7,031.13 6,613.56 3,210.91 3,154.20 3,069.53 2,236.44 1,268.41 % Of Sales - 68.24% 62.36% 68.44% 35.66% 28.12% 13.41% 13.91% 14.85% 12.50% 10.48% EBITDA 4,346.57 -8,043.87 -5,656.30 -8,359.23 -3,166.06 -3,531.63 260.43 984.35 874.07 1,408.76 1,697.23 EBITDA Margin 69.50% -151.69% -107.14% -152.89% -61.01% -65.61% 4.84% 17.65% 16.64% 28.08% 40.33% Depreciation 0.00 300.61 304.24 272.47 214.86 196.48 149.00 141.32 126.59 111.06 105.00 PBT -5,539.82 -8,344.48 -5,960.54 -8,631.70 -3,380.93 -3,728.11 111.43 843.04 747.48 1,297.71 1,592.22 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 176.36 182.92 -2,222.66 -2,332.21 35.81 -830.78 565.76 241.30 180.25 247.58 519.68 Tax Rate -3.18% -2.19% 37.29% 27.02% -1.06% 22.28% 507.73% 28.62% 24.11% 19.08% 32.64% PAT -5,716.18 -8,527.40 -3,737.88 -6,299.49 -3,416.74 -2,897.33 -454.33 601.74 567.23 1,050.13 1,072.54 PAT before Minority Interest -5,716.18 -8,527.40 -3,737.88 -6,299.49 -3,416.74 -2,897.33 -454.33 601.74 567.23 1,050.13 1,072.54 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 -59.10% -98.44% -39.41% -68.37% -39.90% -36.62% -6.04% 7.77% 7.85% 15.68% 19.74% PAT Growth 16.02% 0 0 0 0 0 -175.50% 6.08% -45.98% -2.09% Unadjusted EPS -3.48 -5.19 -2.27 -3.83 -2.08 -1.76 -0.28 0.37 0.35 0.64 0.65

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Shareholder's Funds 16,154.98 16,359.88 13,273.98 13,744.55 15,665.82 15,641.02 16,170.17 13,457.36 11,927.65 9,324.93 Share Capital 16,436.99 9,141.65 4,890.77 2,454.73 1,807.27 1,235.35 1,235.35 924.10 797.00 618.75 Total Reserves -282.01 7,218.23 8,383.21 11,289.82 13,858.55 14,405.67 14,934.82 12,533.26 11,130.65 8,706.18 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 222,951.88 222,534.08 216,831.81 211,342.63 224,514.24 246,048.72 227,976.09 202,135.35 178,434.18 145,228.75 Borrowings 5,419.73 6,146.04 9,228.08 16,097.67 27,183.31 18,232.41 24,505.78 23,322.86 23,613.85 19,355.40 Other Liabilities & Provisions 16,200.24 4,968.36 8,634.16 5,982.64 7,073.40 5,714.83 6,246.63 5,740.47 5,661.45 4,875.19 Total Liabilities 260,726.83 250,008.36 247,968.03 247,167.49 274,436.77 285,636.98 274,898.67 244,656.04 219,637.13 178,784.27 Net Block 3,123.86 3,321.35 2,837.71 3,001.54 3,218.30 2,462.07 2,567.10 1,836.67 1,729.10 1,676.21 Gross Block 6,047.36 5,995.29 5,247.98 5,175.95 5,091.41 4,082.00 3,948.88 2,906.17 2,699.76 2,535.57 Accumulated Depreciation 2,923.50 2,673.94 2,410.27 2,174.41 1,873.12 1,619.93 1,381.79 1,069.51 970.66 859.36 Total Non-Current Assets 227,937.48 233,758.30 230,573.17 238,390.11 265,566.92 278,459.73 267,731.55 238,886.93 214,295.47 174,143.19 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 3.48 15.55 55.72 52.79 52.17 45.00 37.28 10.37 14.95 4.90 Cash and balance with RBI 3,155.22 10,292.53 11,579.45 11,499.97 14,033.49 12,637.77 11,735.10 9,837.83 10,198.91 10,010.89 Balance with banks and money at call 20,905.43 20,598.97 14,965.54 11,723.07 8,212.74 12,260.77 7,273.68 5,420.59 6,062.19 2,007.76 Investments 79,416.08 66,932.27 68,645.94 71,654.12 79,189.55 79,298.10 70,236.80 61,417.35 55,565.88 48,610.45 Advances 121,333.41 132,597.63 132,488.81 140,458.62 160,860.67 171,756.02 175,881.59 160,364.12 140,724.44 111,832.98 Other Assets 32,789.35 16,250.05 17,394.85 8,777.38 8,869.84 7,177.25 7,167.12 5,769.11 5,341.65 4,641.08 Total Assets 260,726.83 250,008.35 247,968.02 247,167.49 274,436.76 285,636.98 274,898.67 244,656.04 219,637.12 178,784.27 Contingent Liabilities 71,030.57 56,648.72 58,366.45 68,326.99 75,858.74 83,531.49 70,262.78 71,001.21 59,192.54 45,075.88 Bills for collection 15,348.25 15,203.63 15,239.38 14,109.56 19,123.34 14,916.55 14,017.39 12,645.16 8,336.52 4,253.20 Adjusted Book Value 8.41 15.18 22.84 47.17 73.34 112.80 116.21 133.21 135.34 118.25

Description Mar 03 Mar 02 Mar 01
Shareholder's Funds 1,539.34 1,098.81 898.96 Share Capital 444.80 444.80 444.80 Total Reserves 1,094.54 654.01 454.16 Minority Interest 0.00 0.00 0.00 Deposits 36,698.59 31,808.48 27,414.16 Borrowings 355.96 180.08 166.57 Other Liabilities & Provisions 2,641.78 2,389.29 1,850.55 Total Liabilities 41,235.67 35,476.66 30,330.24 Net Block 382.89 386.76 378.95 Gross Block 382.89 386.76 378.95 Accumulated Depreciation 0.00 0.00 0.00 Total Non-Current Assets 40,014.16 34,188.26 29,278.14 Lease Adjustment A/c 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 0.00 Cash and balance with RBI 2,687.94 2,212.54 2,340.86 Balance with banks and money at call 906.20 1,412.08 1,745.41 Investments 18,656.78 15,014.54 11,717.41 Advances 17,380.35 15,162.34 13,095.51 Other Assets 1,221.51 1,288.40 1,052.10 Total Assets 41,235.67 35,476.66 30,330.24 Contingent Liabilities 7,001.33 5,386.85 5,091.09 Bills for collection 0.00 0.00 0.00 Adjusted Book Value 34.61 24.70 20.21

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Cash From Operating Activity -14,022.51 -785.86 -1,998.56 -504.95 -3,091.00 5,940.90 3,278.03 -606.88 3,692.89 -27.08 PBT -8,513.84 -3,723.74 -6,239.68 -3,148.19 -2,897.33 -454.33 601.74 567.23 1,050.13 1,072.54 Adjustment 12,879.05 9,913.16 10,781.80 7,489.69 6,758.11 4,902.07 3,968.08 4,107.65 3,290.40 2,476.44 Adjustments for Liabilities & Assets -17,892.65 -6,059.12 -5,163.04 -4,413.03 -6,615.59 1,515.17 -826.79 -4,852.29 -488.63 -3,041.79 Refund/(Payment) of direct taxes -495.06 -916.15 -1,377.64 -433.42 -336.19 -22.01 -465.00 -429.48 -159.01 -534.27 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 -85.41 -647.14 -109.78 -134.86 -253.56 -164.29 -226.60 -401.31 -225.27 -99.10 Net Fixed Assets -40.00 -707.14 -74.96 -85.16 -1016.58 -140.84 -1069.62 -201.83 -174.24 -72.27 Other Investment Activity -6697.98 -6120.62 -5438.56 -5482.30 -5307.87 -4353.60 -4387.47 -3141.81 -2813.81 -2672.52 Cash from Financing Activity 7,277.08 5,779.50 5,430.29 1,616.60 692.24 113.15 698.93 5.51 774.82 2,320.20 Closing Cash & Equivalent 24,060.66 30,891.50 26,544.99 23,223.03 22,246.24 24,898.55 19,008.78 15,258.42 16,261.10 12,018.66 Net Cash Inflow / Outflow -6,830.84 4,346.51 3,321.96 976.80 -2,652.31 5,889.77 3,750.36 -1,002.68 4,242.44 2,194.01 Opening Cash & Equivalents 30,891.50 26,544.99 23,223.03 22,246.24 24,898.55 19,008.78 15,258.42 16,261.10 12,018.66 9,824.64

Description Mar 03
Cash From Operating Activity -77.43 PBT 0.00 Adjustment 458.71 Adjustments for Liabilities & Assets -536.14 Refund/(Payment) of direct taxes 0.00 Other Direct Payments 0.00 Cash From Investing Activity -36.48 Net Fixed Assets Other Investment Activity Cash from Financing Activity 83.44 Closing Cash & Equivalent 3,594.15 Net Cash Inflow / Outflow -30.48 Opening Cash & Equivalents 3,624.62

Financial Ratios

Standalone /

Consolidated

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Book Value 8.41 15.18 22.84 47.17 73.34 112.80 116.21 133.21 135.34 118.25 NIM 2.36 2.29 2.40 2.21 2.05 1.95 2.10 2.22 2.36 2.44 Yield on Advances 14.35 13.30 13.52 14.04 14.62 13.94 12.90 12.89 12.71 10.82 Yield on Investments 7.31 8.45 7.92 8.16 8.77 7.57 7.80 7.63 7.40 6.32 Cost of Liabilities 5.30 5.40 5.51 6.39 7.20 7.02 6.78 6.84 6.37 4.80 Interest Spread 9.05 7.90 8.02 7.65 7.41 6.92 6.12 6.05 6.34 6.03 ROCE -35.44% -22.91% -29.34% -5.17% -4.80% 3.81% 6.56% 6.36% 9.14% 12.09% Cost Income Ratio 59.21 46.93 60.61 57.37 63.53 55.83 48.40 47.17 47.23 47.35 Core Cost Income Ratio 62.68 50.86 63.76 61.86 67.42 58.02 50.92 48.81 48.21 47.84 Operating Costs to Assets 1.97 1.78 2.25 1.99 1.83 1.47 1.36 1.39 1.44 1.44 Loans/Deposits 0.02 0.03 0.04 0.08 0.12 0.07 0.11 0.12 0.13 0.13 Cash/Deposits 0.01 0.05 0.05 0.05 0.06 0.05 0.05 0.05 0.06 0.07 Investment/Deposits 0.36 0.30 0.32 0.34 0.35 0.32 0.31 0.30 0.31 0.33 Inc Loan/Deposits 2.43% 2.76% 4.26% 7.62% 12.11% 7.41% 10.75% 11.54% 13.23% 13.33% Credit Deposits 54.42% 59.59% 61.10% 66.46% 71.65% 69.81% 77.15% 79.34% 78.87% 77.00% Interest Expended / Interest earned 69.53% 70.06% 69.48% 73.68% 77.11% 77.51% 75.41% 74.60% 71.96% 65.23% Interest income / Total funds 6.68% 7.05% 7.22% 7.98% 8.57% 8.38% 8.25% 8.45% 8.14% 6.77% Interest Expended / Total funds 4.64% 4.94% 5.02% 5.88% 6.61% 6.50% 6.22% 6.30% 5.86% 4.42% CASA 40.26% 38.30% 36.75% 36.09% 28.72% 25.09% 25.34% 26.51% 26.42% 30.20%

Description Mar 03 Mar 02 Mar 01
Book Value 34.61 24.70 20.21 NIM 3.08 2.86 3.04 Yield on Advances 20.05 20.91 21.34 Yield on Investments 0.00 0.00 0.00 Cost of Liabilities 6.11 6.89 6.95 Interest Spread 13.94 14.03 14.39 ROCE 168.97% 207.63% 190.70% Cost Income Ratio 54.41 58.96 74.09 Core Cost Income Ratio 54.41 58.96 74.09 Operating Costs to Assets 2.30 2.50 2.89 Loans/Deposits 0.01 0.01 0.01 Cash/Deposits 0.07 0.07 0.09 Investment/Deposits 0.51 0.47 0.43 Inc Loan/Deposits 0.97% 0.57% 0.61% Credit Deposits 47.36% 47.67% 47.77% Interest Expended / Interest earned 64.99% 69.47% 68.58% Interest income / Total funds 8.45% 8.94% 9.21% Interest Expended / Total funds 5.49% 6.21% 6.32% CASA 100.00% 100.00% 100.00%

Indian Overseas Bank

Bank - Public

BSE: 532388 | NSE: IOB

Stock Summary

Chart

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

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone 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 /

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

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone 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 /

Annual Reports:

News Update