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Financials-Indian Overseas Bank
Indian Overseas Bank
Sector: Banks - Nationalised
BSE:532388NSE:IOBBloomberg:IOB@INReuters:IOBK.BO
Market Lot: 1Face Value: 10ISIN Demat: INE565A01014
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Financials (Standalone)
Income 
Statement
Balance Sheet Latest 
Quarterly/Halfyearly
Ratio Analysis
Latest Quarterly/Halfyearly
As on(Months) 31-Dec-18(3) 31-Dec-17(3) % Change
Interest Income 45424.20 42546.80 6.76
Other Income 11461.70 8077.00 41.91
Total Income 56885.90 50623.80 12.37
Interest Expenses 31587.10 30651.40 3.05
Other Expenses 10637.40 13124.70 -18.95
Provision & Contingencies 20752.80 16402.50 26.52
OPBDT -6091.40 -9554.80 -36.25
Depreciation 0.00 0.00 --
Extra-Ordinary / Cash Adjustment 0.00 0.00 --
Provision for Tax 2631.20 156.90 1576.99
After tax Profit 3460.20 -9711.70 -135.63
Equity Capital 62637.80 28525.60 119.58
Reserves 62799.60 91243.80 -31.17
Notes to Accounts     Click here
Income Statement
As On (Months) 31-Mar-08(12) 31-Mar-07(12) 31-Mar-06(12)
Profit / Loss A/c Rs. mn % BT Rs. mn % BT Rs. mn % BT
Interest Income 79682.52 88.11 58320.74 87.11 44062.77 85.82
Other Income 10754.64 11.89 8627.58 12.89 7282.11 14.18
Operating Income (OI) 90437.16 100.00 66948.32 100.00 51344.88 100.00
Interest Expenses 52887.92 58.48 32712.74 48.86 23390.98 45.56
Employee Expenses 9496.85 10.50 9310.67 13.91 8935.66 17.40
OPBDT 17297.94 19.13 10695.53 15.98 8386.80 16.33
OPBT 16546.96 18.30 10084.35 15.06 7833.44 15.26
Extraordinary / Prior period 0.00 0.00 0.00 0.00 0.00 0.00
Tax 4523.60 5.00 0.00 0.00 0.00 0.00
Pat 12023.36 13.29 10084.35 15.06 7833.44 15.26
Dividend 2039.64 2.26 1912.17 2.86 1615.14 3.15
Balance Sheet
As On 31-Mar-08 31-Mar-07 31-Mar-06
Assets Rs mn %BT Rs mn %BT Rs mn %BT
Net Own Assets 5585.77 0.55 5106.57 0.62 4577.38 0.77
Net Lease Assets(After Lease Adj A/c) 0.00 0.00 0.00 0.00 0.00 0.00
Investment 284747.08 27.95 239744.74 29.15 189522.84 31.93
Advances 604238.44 59.32 470602.86 57.21 347562.02 58.55
Cash & Money at call 103413.21 10.15 89793.03 10.92 37072.41 6.25
Other Current Assets 20612.88 2.02 17321.09 2.11 14843.46 2.50
Balance Sheet Total(BT) 1018597.39 100.00 822568.28 100.00 593578.12 100.00
Liabilities Rs mn %BT Rs mn %BT Rs mn %BT
Equity Share Capital 5448.00 0.53 5448.00 0.66 5448.00 0.92
Reserves 43118.70 4.23 34455.65 4.19 26326.40 4.44
Deposits 843255.83 82.79 687404.15 83.57 505293.15 85.13
Borrowings 63536.46 6.24 28962.28 3.52 7366.27 1.24
Other Cash liab/prov. 63238.4 6.21 66298.21 8.06 49144.29 8.28
Balance Sheet Total(BT) 1018597.39 100.00 822568.28 100.00 593578.12 100.00
Non Performing Assets(NPA) % 0.65 - 0.55 - 0.65 -
Capital Adequacy Ratio(CAR) % 11.96 - 13.27 - 13.04 -
Ratio Analysis
As on 31-Mar-08 31-Mar-07 31-Mar-06
Interest Expense/ Interest Income (%) 66.37 56.09 53.09
Fee Based Income/ Total Income(%) 12.48 11.34 11.27
Employee Cost / Operating Cost (%) 67.34 70.18 74.08
Total Interest exp / Avg. interest bearing funds (%) 6.52 5.32 4.87
Interest spread (%) 3.18 3.66 3.92
Fund Based Income / Funds employed (%) 8.86 8.23 8.73
Net Profit / Funds Employed (%) 1.26 1.33 1.44
PAT / Networth (%) 24.76 25.27 24.65
Tax / PBT (%) 27.34 0.00 0.00
Total liabilities / Networth (x) 20.96 20.62 18.69
Investment Deposit Ratio (x) 0.34 0.35 0.38
Credit Deposit Ratio (x) 0.72 0.68 0.69

 
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