Indian Overseas Bank

I O B Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Indian Overseas Bank

₹ 37.7 -0.08%
22 May - close price
iob.in BSE: 532388 NSE: IOB
About

Indian Overseas Bank was founded in 1937 by Chidambaram Chettyar. It was one of the 14 major banks that were nationalized in 1969. [1]

Key Points

Revenue Mix Q1 FY25
Corporate/Wholesale banking: 38%
Retail banking: 36%
Treasury: 24%
Other: 2% [1]

Website BSE NSE
  • Market Cap ₹ 72,540 Cr.
  • Current Price ₹ 37.7
  • High / Low ₹ 75.6 / 33.0
  • Stock P/E 21.8
  • Book Value ₹ 16.9
  • Dividend Yield 0.00 %
  • ROCE 5.95 %
  • ROE 11.0 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 19.0% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 9.99% over last 3 years.
  • Contingent liabilities of Rs.2,14,760 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.5,545 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Public Sector

Part of BSE 500 BSE 200 BSE PSU Nifty 500 Nifty PSU Bank

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
4,215 4,435 4,718 5,056 5,192 5,424 5,821 6,176 6,629 6,535 6,851 7,112 7,634
Interest 2,605 2,681 2,764 2,784 2,916 3,102 3,475 3,778 3,866 4,094 4,313 4,323 4,511
2,514 1,951 2,582 2,662 2,820 2,618 2,827 2,581 4,047 2,736 3,189 2,849 3,150
Financing Profit -904 -197 -629 -390 -544 -296 -481 -183 -1,284 -295 -652 -60 -27
Financing Margin % -21% -4% -13% -8% -10% -5% -8% -3% -19% -5% -10% -1% -0%
1,504 593 1,135 950 1,430 803 1,114 1,262 2,477 1,033 1,633 1,298 1,581
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 600 396 506 560 886 507 633 1,079 1,193 738 982 1,237 1,554
Tax % 8% 1% 1% 1% 27% 1% 1% 33% 32% 14% 21% 29% 32%
552 392 501 555 650 500 625 723 808 633 777 874 1,051
EPS in Rs 0.29 0.21 0.27 0.29 0.34 0.26 0.33 0.38 0.43 0.33 0.41 0.46 0.55
Gross NPA % 9.82% 9.12% 8.53% 8.19% 7.44% 7.13% 4.74% 3.90% 3.10% 2.89% 2.72% 2.55% 2.14%
Net NPA % 2.65% 2.43% 2.56% 2.43% 1.83% 1.44% 0.68% 0.62% 0.57% 0.51% 0.47% 0.42% 0.37%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
22,684 23,938 23,517 19,719 17,915 17,631 17,406 16,966 16,730 19,400 24,050 28,131
Interest 17,107 18,554 18,135 14,529 12,448 12,352 12,103 11,067 10,419 11,145 14,220 17,241
6,762 7,262 11,443 11,728 17,573 15,142 16,706 10,360 9,263 9,756 11,737 11,924
Financing Profit -1,185 -1,878 -6,060 -6,539 -12,106 -9,863 -11,404 -4,461 -2,952 -1,501 -1,908 -1,033
Financing Margin % -5% -8% -26% -33% -68% -56% -66% -26% -18% -8% -8% -4%
2,169 2,139 2,528 3,373 3,746 4,206 3,360 5,559 4,903 4,109 5,656 5,545
Depreciation 141 149 196 215 272 304 301 258 172 260 336 0
Profit before tax 843 111 -3,728 -3,381 -8,632 -5,961 -8,344 840 1,779 2,348 3,413 4,512
Tax % 29% 508% -22% 1% -27% -37% 2% 1% 4% 11% 22% 26%
602 -454 -2,897 -3,417 -6,299 -3,738 -8,527 831 1,710 2,099 2,656 3,335
EPS in Rs 4.87 -3.68 -16.03 -13.92 -12.88 -4.09 -5.19 0.51 0.90 1.11 1.40 1.73
Dividend Payout % 25% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 2%
5 Years: 10%
3 Years: 19%
TTM: 17%
Compounded Profit Growth
10 Years: 25%
5 Years: 19%
3 Years: 25%
TTM: 26%
Stock Price CAGR
10 Years: -1%
5 Years: 39%
3 Years: 31%
1 Year: -45%
Return on Equity
10 Years: -7%
5 Years: 9%
3 Years: 10%
Last Year: 11%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 1,235 1,235 1,807 2,455 4,891 9,142 16,437 16,437 18,902 18,902 18,902 19,257
Reserves 14,935 14,406 13,859 11,290 8,383 7,218 -282 508 4,098 6,361 9,040 13,284
Deposits 234,578 253,451 224,514 211,343 216,832 222,534 222,952 240,288 262,159 260,883 285,905 311,939
Borrowing 17,903 10,830 27,183 16,098 9,228 6,146 5,420 3,672 3,071 20,804 30,387 42,228
6,247 5,715 7,073 5,983 8,634 4,968 16,200 13,106 11,147 6,784 7,799 8,308
Total Liabilities 274,899 285,637 274,437 247,167 247,968 250,008 260,727 274,010 299,377 313,734 352,034 395,015
2,567 2,462 3,218 3,002 2,838 3,321 3,124 2,918 3,365 3,710 3,725 4,655
CWIP 37 45 52 53 56 16 3 1 0 0 14 0
Investments 70,237 79,298 79,190 71,654 68,646 66,932 79,416 95,494 98,179 94,170 99,632 111,045
202,057 203,832 191,977 172,459 176,429 179,739 178,183 175,597 197,833 215,854 248,662 279,315
Total Assets 274,899 285,637 274,437 247,167 247,968 250,008 260,727 274,010 299,377 313,734 352,034 395,015

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
3,278 5,941 -3,091 -505 -1,999 -786 -14,023 4,949 5,566 -15,595 -1,165 2,963
-227 -164 -254 -135 -110 -647 -85 -46 -48 -559 -359 -565
699 113 692 1,617 5,430 5,780 7,277 1,813 479 -12 -528 118
Net Cash Flow 3,750 5,890 -2,652 977 3,322 4,347 -6,831 6,716 5,997 -16,166 -2,052 2,516

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 4% -3% -19% -23% -47% -26% -52% 5% 9% 9% 10% 11%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
96.38% 96.38% 96.38% 96.38% 96.38% 96.38% 96.38% 96.38% 96.38% 96.38% 96.38% 94.61%
0.07% 0.08% 0.10% 0.14% 0.09% 0.15% 0.03% 0.05% 0.05% 0.04% 0.02% 0.22%
1.33% 1.34% 1.36% 1.35% 1.33% 1.33% 1.29% 1.29% 1.30% 1.30% 1.30% 2.59%
2.21% 2.19% 2.16% 2.11% 2.20% 2.13% 2.28% 2.28% 2.27% 2.29% 2.30% 2.58%
No. of Shareholders 4,74,9394,71,3565,11,6425,09,5995,10,3876,68,1777,27,34810,06,1859,96,5689,77,5929,77,9179,77,863

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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