Indian Overseas Bank

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

Indian Overseas Bank

₹ 40.0 0.53%
03 Jul 10:22 a.m.
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 ₹ 77,103 Cr.
  • Current Price ₹ 40.0
  • High / Low ₹ 72.6 / 33.0
  • Stock P/E 22.7
  • Book Value ₹ 16.7
  • Dividend Yield 0.00 %
  • ROCE 5.97 %
  • ROE 11.4 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company's working capital requirements have reduced from 195 days to 113 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 10.2% 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.5,607 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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

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
4,216 4,436 4,719 5,057 5,195 5,427 5,825 6,180 6,634 6,539 6,854 7,116 7,635
Interest 2,605 2,681 2,764 2,784 2,917 3,102 3,477 3,780 3,868 4,096 4,315 4,324 4,510
2,516 1,953 2,585 2,664 2,822 2,621 2,829 2,583 4,049 2,738 3,191 2,852 3,152
Financing Profit -905 -198 -630 -391 -544 -296 -481 -183 -1,283 -295 -652 -60 -27
Financing Margin % -21% -4% -13% -8% -10% -5% -8% -3% -19% -5% -10% -1% -0%
1,505 595 1,135 951 1,436 807 1,117 1,263 2,479 1,048 1,636 1,299 1,623
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 600 397 505 560 891 511 636 1,080 1,196 754 984 1,239 1,595
Tax % 8% 1% 1% 1% 26% 1% 1% 33% 32% 14% 21% 29% 32%
552 393 500 555 656 504 627 724 810 649 780 875 1,092
EPS in Rs 0.29 0.21 0.26 0.29 0.35 0.27 0.33 0.38 0.43 0.34 0.41 0.46 0.57
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2002 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
3,171 16,976 16,736 19,407 24,066 28,144
Interest 2,203 11,069 10,419 11,146 14,226 17,244
1,273 10,367 9,270 9,763 11,746 11,538
Financing Profit -305 -4,461 -2,954 -1,503 -1,906 -639
Financing Margin % -10% -26% -18% -8% -8% -2%
536 5,486 4,905 4,116 5,665 5,607
Depreciation 0 258 173 260 336 395
Profit before tax 231 767 1,779 2,353 3,423 4,573
Tax % 0% 1% 4% 11% 22% 26%
231 758 1,709 2,104 2,666 3,396
EPS in Rs 0.46 0.90 1.11 1.41 1.76
Dividend Payout % 23% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 19%
TTM: 17%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 26%
TTM: 27%
Stock Price CAGR
10 Years: 1%
5 Years: 29%
3 Years: 32%
1 Year: -37%
Return on Equity
10 Years: %
5 Years: %
3 Years: 10%
Last Year: 11%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2002 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 445 16,647 18,902 18,902 18,902 19,257
Reserves 654 452 3,695 5,974 8,659 12,977
Deposits 31,808 240,353 262,214 260,974 286,121 311,939
Borrowing 180 3,672 3,071 20,804 30,387 42,228
2,389 13,106 11,148 6,785 7,799 8,308
Total Liabilities 35,477 274,229 299,030 313,438 351,869 394,708
387 2,918 3,366 3,711 3,726 4,581
CWIP 0 1 0 0 14 74
Investments 15,015 95,485 97,641 93,643 99,194 110,588
20,075 175,825 198,023 216,085 248,935 279,465
Total Assets 35,477 274,229 299,030 313,438 351,869 394,708

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2002 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
4,949 5,539 -13,655 -1,119 2,840
-46 -49 -560 -359 -579
1,813 479 -1,916 -528 144
Net Cash Flow 6,716 5,969 -16,130 -2,006 2,405

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2002 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 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.

Documents

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