Indian Overseas Bank
Indian Overseas Bank was founded in 1937 by Chidambaram Chettyar. It was one of the 14 major banks that were nationalized in 1969. [1]
- Market Cap ₹ 77,354 Cr.
- Current Price ₹ 40.2
- High / Low ₹ 72.6 / 33.0
- Stock P/E 23.2
- Book Value ₹ 16.9
- Dividend Yield 0.00 %
- ROCE 5.95 %
- ROE 11.0 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 19.0% CAGR over last 5 years
- Company's working capital requirements have reduced from 191 days to 111 days
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 9.98% over last 3 years.
- Contingent liabilities of Rs.1,76,039 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
Financial Services Financial Services Banks Public Sector Bank
Part of BSE 500 BSE 200 BSE PSU Nifty 500 Nifty PSU Bank
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
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 | 11,529 | |
Financing Profit | -1,185 | -1,878 | -6,060 | -6,539 | -12,106 | -9,863 | -11,404 | -4,461 | -2,952 | -1,501 | -1,908 | -639 |
Financing Margin % | -5% | -8% | -26% | -33% | -68% | -56% | -66% | -26% | -18% | -8% | -8% | -2% |
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 | 394 |
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: | 29% |
3 Years: | 34% |
1 Year: | -37% |
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 | 4,581 | |
CWIP | 37 | 45 | 52 | 53 | 56 | 16 | 3 | 1 | 0 | 0 | 14 | 74 |
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% |
Documents
Announcements
- Closure of Trading Window 27 Jun
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Announcement under Regulation 30 (LODR)-Interest Rates Updates
11 Jun - IOB reduces EBLR by 50bps to 8.35% effective 12.06.2025 following RBI repo rate cut.
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Reg. 34 (1) Annual Report.
6 Jun - Annual report 2024-25: bank shows growth, awards, CSR activities, improved financials and asset quality.
- Notice Of Annual General Meeting Scheduled For 02.07.2025 (Wednesday) 6 Jun
- Annual General Meeting Of The Bank Scheduled For 02.07.2025 (Wednesday) At 11.00 A.M. 6 Jun
Annual reports
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Financial Year 2025
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
from bse
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Financial Year 2012
from nse
Concalls
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May 2025Transcript PPT REC
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Jan 2025Transcript PPT
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Oct 2024TranscriptNotesPPT
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Jul 2024Transcript PPT
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Nov 2017TranscriptNotesPPT
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Aug 2017TranscriptNotesPPT
Revenue Mix Q1 FY25
Corporate/Wholesale banking: 38%
Retail banking: 36%
Treasury: 24%
Other: 2% [1]