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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-17(3) 31-Dec-16(3) % Change
Interest Income 42546.80 48814.90 -12.84
Other Income 8077.00 7180.10 12.49
Total Income 50623.80 55995.00 -9.59
Interest Expenses 30651.40 35467.30 -13.58
Other Expenses 13124.70 11981.30 9.54
Provision & Contingencies 16402.50 14060.30 16.66
OPBDT -9554.80 -5513.90 73.29
Depreciation 0.00 0.00 --
Extra-Ordinary / Cash Adjustment 0.00 0.00 --
Provision for Tax 156.90 30.50 414.43
After tax Profit -9711.70 -5544.40 75.16
Equity Capital 28525.60 24547.30 16.21
Reserves 91243.80 106212.80 -14.09
Notes to Accounts      
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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