WEBSITE BSE:532388 NSE: INDIAN OVER. Inc. Year: 1937 Industry: Bank - Public
Last updated: 14:39
Indian Overseas Bank (the Bank) is engaged in the enterprise of banking. The Bank's segments consist of Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. Its operations consist of home deposits; home advances; foreign exchange operations; investments; micro, small and medium establishments, which include MUDRA Loan Scheme; retail banking, such as Arogya Mahila Savings Bank Accounts; Mid Corporate branch; agricultural credit portfolio; loans to small and marginal farmers; loans to non-corporate farmers, and micr...Read More
Indian Overseas Bank (the Bank) is engaged in the enterprise of banking. The Bank's segments consist of Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. Its operations consist of home deposits; home advances; foreign exchange operations; investments; micro, small and medium establishments, which include MUDRA Loan Scheme; retail banking, such as Arogya Mahila Savings Bank Accounts; Mid Corporate branch; agricultural credit portfolio; loans to small and marginal farmers; loans to non-corporate farmers, and microfinance. Its personal banking services consist of saving bank, term deposit, retail loans, current account and mortgages and depository services. It offers merchant banking for dividend/interest warrant, issues, debenture trustee, and others. It also offers Internet and cellular banking offerings. ...Read Less
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Market Cap ₹71211 Cr.
Stock P/E 21
P/B 2.3
Current Price ₹37
Book Value ₹ 16
Face Value 10
52W High ₹58.7
Dividend Yield 0%
52W Low ₹ 33
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 5427 | 5825 | 6180 | 6634 | 6539 | 6854 | 7116 | 7635 | 7387 | 7851 |
| Other Income | 807 | 1117 | 1263 | 2479 | 1033 | 1634 | 1299 | 1623 | 1480 | 1365 |
| Total Income | 6234 | 6942 | 7443 | 9113 | 7572 | 8488 | 8415 | 9258 | 8868 | 9216 |
| Interest Expense | 3102 | 3477 | 3780 | 3868 | 4096 | 4315 | 4324 | 4510 | 4639 | 4790 |
| Operating Expenditure | 1783 | 1785 | 1881 | 3281 | 1800 | 2045 | 1824 | 2088 | 1870 | 2025 |
| Provisions and contingencies | 838 | 1044 | 701 | 768 | 938 | 1146 | 1029 | 1064 | 844 | 672 |
| Operating Profit | 511 | 636 | 1080 | 1196 | 739 | 982 | 1239 | 1595 | 1515 | 1729 |
| Profit Before Tax | 511 | 636 | 1080 | 1196 | 739 | 982 | 1239 | 1595 | 1515 | 1729 |
| Provision for Tax | 7 | 8 | 356 | 386 | 105 | 205 | 364 | 503 | 403 | 501 |
| Profit After Tax | 504 | 627 | 724 | 810 | 633 | 777 | 875 | 1092 | 1112 | 1228 |
| Adjustments | 0 | 0 | 0 | 0 | 15 | 2 | 0 | 0 | 67 | 31 |
| Profit After Adjustments | 504 | 627 | 724 | 810 | 649 | 780 | 875 | 1092 | 1178 | 1259 |
| Adjusted Earnings Per Share | 0.3 | 0.3 | 0.4 | 0.4 | 0.3 | 0.4 | 0.5 | 0.6 | 0.6 | 0.7 |
| #(Fig in Cr.) | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|
| Interest Earned | 16976 | 16736 | 19407 | 24066 | 28144 | 29989 |
| Other Income | 5486 | 4905 | 4116 | 5665 | 5607 | 5767 |
| Total Income | 22461 | 21641 | 23523 | 29731 | 33750 | 35757 |
| Interest Expense | 11069 | 10419 | 11146 | 14227 | 17244 | 18263 |
| Operating Expenditure | 5569 | 5459 | 6430 | 8731 | 7756 | 7807 |
| Provisions and contingencies | 5056 | 3984 | 3365 | 3351 | 4177 | 3609 |
| Operating Profit | 767 | 1779 | 2582 | 3423 | 4573 | 6078 |
| Profit Before Tax | 767 | 1779 | 2582 | 3423 | 4573 | 6078 |
| Provision for Tax | 8 | 70 | 478 | 757 | 1177 | 1771 |
| Profit After Tax | 758 | 1709 | 2104 | 2666 | 3396 | 4307 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 98 |
| Profit After Adjustments | 758 | 1709 | 2104 | 2666 | 3396 | 4404 |
| Adjusted Earnings Per Share | 0.5 | 0.9 | 1.1 | 1.4 | 1.8 | 2.4 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 17% | 19% | 0% | 0% |
| Operating Profit CAGR | 34% | 37% | 0% | 0% |
| PAT CAGR | 27% | 26% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -36% | 11% | 26% | 2% |
| ROE Average | 13% | 11% | 11% | 11% |
| ROCE Average | 10% | 10% | 9% | 9% |
| #(Fig in Cr.) | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Shareholder's Funds | 17099 | 22598 | 24876 | 27561 | 32233 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 |
| Deposits | 240353 | 262214 | 260974 | 286121 | 311939 |
| Borrowings | 3672 | 3071 | 20804 | 30387 | 42228 |
| Other Liabilities & Provisions | 13106 | 11148 | 6785 | 7799 | 8308 |
| Total Liabilities | 274229 | 299030 | 313438 | 351869 | 394708 |
| Cash and balance with RBI | 12189 | 22750 | 17150 | 16906 | 18116 |
| Bank Balance | 18793 | 14202 | 3671 | 1909 | 3104 |
| Investments | 95485 | 97641 | 93643 | 99194 | 110588 |
| Advances | 127741 | 144254 | 178068 | 213330 | 245555 |
| Fixed Assets | 2918 | 3366 | 3711 | 3726 | 4581 |
| Other Assets | 17102 | 16818 | 17197 | 16790 | 12690 |
| Total Assets | 274229 | 299030 | 313438 | 351869 | 394708 |
| #(Fig in Cr.) | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 24061 | 30982 | 36951 | 20821 | 18815 |
| Cash Flow from Operating Activities | 4949 | 5539 | -13655 | -1119 | 2840 |
| Cash Flow from Investing Activities | -46 | -49 | -560 | -359 | -579 |
| Cash Flow from Financing Activities | 1813 | 479 | -1916 | -528 | 144 |
| Net Cash Inflow / Outflow | 6716 | 5969 | -16130 | -2006 | 2405 |
| Closing Cash & Cash Equivalent | 30776 | 36951 | 20821 | 18815 | 21220 |
| # | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.46 | 0.9 | 1.11 | 1.41 | 1.76 |
| CEPS(Rs) | 0.62 | 1 | 1.25 | 1.59 | 1.97 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 8.92 | 10.5 | 11.7 | 13.14 | 14.99 |
| Yield on Advances | 13.29 | 11.6 | 10.9 | 11.28 | 11.46 |
| Yield on Investments | 7.89 | 6.77 | 6.51 | 6.28 | 6.84 |
| Cost of Liabilities | 4.54 | 3.93 | 3.96 | 4.49 | 4.87 |
| NIM (Net Interest Margin) | 2.32 | 2.27 | 2.82 | 2.97 | 2.89 |
| Interest Spread | 8.75 | 7.67 | 6.94 | 6.79 | 6.59 |
| ROA(%) | 0.48 | 0.6 | 0.69 | 0.8 | 0.91 |
| ROE(%) | 9.36 | 9.9 | 10.03 | 11.35 | 12.65 |
| ROCE(%) | 9.99 | 8.52 | 8.95 | 9.72 | 10.28 |
| PER(x) | 34.68 | 20.13 | 20.26 | 42.53 | 22.1 |
| Price/Book(x) | 1.79 | 1.73 | 1.93 | 4.56 | 2.6 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 1.77 | 2.24 | 3.27 | 5.97 | 4.17 |
| EV/Core EBITDA(x) | 5.15 | 6.5 | 10.67 | 21.22 | 13.4 |
| Interest Earned Growth(%) | 387.16 | -1.41 | 15.96 | 24.01 | 16.95 |
| Net Profit Growth | 81.87 | 125.39 | 23.09 | 26.7 | 27.38 |
| Advances Growth | 634.98 | 12.93 | 23.44 | 19.8 | 15.11 |
| EPS Growth(%) | -95.08 | 95.99 | 23.09 | 26.69 | 25.04 |
| Loans/Deposits(x) | 1.53 | 1.17 | 7.97 | 10.62 | 13.54 |
| Cash/Deposits(x) | 0.05 | 0.09 | 0.07 | 0.06 | 0.06 |
| Current Ratio(x) | 0.4 | 0.37 | 0.36 | 0.35 | 0.35 |
| Quick Ratio(x) | 1.53 | 1.17 | 7.97 | 10.62 | 13.54 |
| CASA % | 42.51 | 43.43 | 43.73 | 43.87 | 43.65 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 96.38 | 96.38 | 96.38 | 96.38 | 96.38 | 96.38 | 96.38 | 94.61 | 94.61 | 94.61 |
| FII | 0.09 | 0.15 | 0.03 | 0.05 | 0.05 | 0.03 | 0.02 | 0.22 | 0.08 | 0.31 |
| DII | 1.34 | 1.34 | 1.3 | 1.29 | 1.3 | 1.3 | 1.3 | 2.59 | 2.37 | 2.3 |
| Public | 2.19 | 2.13 | 2.3 | 2.28 | 2.27 | 2.29 | 2.29 | 2.59 | 2.94 | 2.78 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 1821.83 | 1821.83 | 1821.83 | 1821.83 | 1821.83 | 1821.83 | 1821.83 | 1821.83 | 1821.83 | 1821.83 |
| FII | 1.71 | 2.78 | 0.51 | 0.92 | 1 | 0.63 | 0.46 | 4.26 | 1.56 | 5.91 |
| DII | 25.28 | 25.42 | 24.48 | 24.46 | 24.54 | 24.52 | 24.58 | 49.79 | 45.59 | 44.33 |
| Public | 41.42 | 40.21 | 43.42 | 43.03 | 42.86 | 43.25 | 43.37 | 49.78 | 56.68 | 53.58 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 1890.24 | 1890.24 | 1890.24 | 1890.24 | 1890.24 | 1890.24 | 1890.24 | 1925.66 | 1925.66 | 1925.66 |
* The pros and cons are machine generated.
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