equitymaster.comFalseFalseINDIAN OVERSEAS BANK |
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Price History |
Price | Rs | 58.0 | | % ch | % | -1.7 |
Mkt Cap | Rs m | 1,096,340 | | No. of
shares | m | 18,902.41 |
Vol | '000 | 1,221.3 | | % ch week | % | -9.0 |
P/E | X | 43.7 | | % ch 1-mth | % | -16.1 |
P/CF | X | 12.8 | | % ch 12-mth | % | 151.8 |
EPS (TTM) | Rs | 1.3 | | 52 week H/L | Rs | 83.8/20.9 |
(As on Mar 19, 2024 12:15:00 PM) |
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Financials |
* Results Consolidated | No. of Months
Year Ending | 12
Mar-19* | 12
Mar-20* | 12
Mar-21* | 12
Mar-22* | 12
Mar-23* |
EQUITY SHARE DATA |
High | Rs | 19 | 16 | 21 | 29 | 37 |
Low | Rs | 11 | 6 | 7 | 15 | 15 |
Income per share (Unadj.) | Rs | 19.3 | 10.6 | 10.3 | 8.9 | 10.3 |
Earnings per share (Unadj.) | Rs | -4.1 | -5.2 | 0.5 | 0.9 | 1.1 |
Diluted earnings per share | Rs | -2.0 | -4.5 | 0.4 | 0.9 | 1.1 |
Cash flow per share (Unadj.) | Rs | -11.2 | -9.3 | 0.8 | 1.7 | 2.6 |
Dividends per share (Unadj.) | Rs | 0 | 0 | 0 | 0 | 0 |
Adj. dividends per share | Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Avg Dividend yield | % | 0 | 0 | 0 | 0 | 0 |
Book value per share (Unadj.) | Rs | 17.9 | 9.8 | 10.4 | 12.0 | 13.2 |
Adj. book value per share | Rs | 8.7 | 8.5 | 9.0 | 12.0 | 13.2 |
Shares outstanding (eoy) | m | 9,141.65 | 16,436.99 | 16,436.99 | 18,902.41 | 18,902.41 |
Bonus / Rights / Conversions | | 0 | 0 | 0 | 0 | 0 |
Avg Price / Income ratio | x | 0.8 | 1.0 | 1.3 | 2.5 | 2.5 |
Avg P/E ratio | x | -3.6 | -2.1 | 29.8 | 24.2 | 23.3 |
Avg P/CF ratio | x | 2.7 | 5.1 | 3.9 | 7.2 | 8.3 |
Avg Price/Bookvalue ratio | x | 0.8 | 1.1 | 1.3 | 1.8 | 2.0 |
Dividend payout | % | 0 | 0 | 0 | 0 | 0 |
Avg Mkt Cap | Rs m | 135,525 | 180,560 | 226,009 | 413,018 | 490,990 |
No. of employees | `000 | NA | NA | NA | NA | NA |
Total wages & salary | Rs m | 26,468 | 32,407 | 37,059 | 34,889 | 41,024 |
Avg. income/employee | Rs Th | 0 | 0 | 0 | 0 | 0 |
Avg. wages/employee | Rs Th | 0 | 0 | 0 | 0 | 0 |
Avg. net profit/employee | Rs Th | 0 | 0 | 0 | 0 | 0 |
INCOME DATA |
Interest income | Rs m | 176,313 | 174,061 | 169,756 | 167,358 | 194,070 |
Other income | Rs m | 42,063 | 33,597 | 54,856 | 49,053 | 41,164 |
Interest expense | Rs m | 123,521 | 121,033 | 110,695 | 104,195 | 111,463 |
Net interest income | Rs m | 52,791 | 53,028 | 59,061 | 63,164 | 82,607 |
Operating expense | Rs m | 44,516 | 51,288 | 55,690 | 54,590 | 64,298 |
Gross profit | Rs m | 8,276 | 1,740 | 3,371 | 8,574 | 18,309 |
Gross profit margin | % | 4.7 | 1.0 | 2.0 | 5.1 | 9.4 |
Provisions/contingencies | Rs m | 87,718 | 120,611 | 50,644 | 40,534 | 38,433 |
Profit before tax | Rs m | -59,605 | -83,445 | 7,666 | 17,788 | 23,534 |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | 0 | 0 | 0 |
Minority Interest | Rs m | 0 | 0 | 0 | 0 | 0 |
Prior Period Items | Rs m | 0 | 0 | 0 | 0 | 0 |
Tax | Rs m | -22,227 | 1,829 | 82 | 695 | 2,495 |
Profit after tax | Rs m | -37,379 | -85,274 | 7,584 | 17,093 | 21,040 |
Net profit margin | % | -21.2 | -49.0 | 4.5 | 10.2 | 10.8 |
BALANCE SHEET DATA |
Advances | Rs m | 1,325,976 | 1,213,334 | 1,277,414 | 1,442,536 | 1,780,677 |
Deposits | Rs m | 2,225,341 | 2,229,519 | 2,403,528 | 2,622,138 | 2,609,736 |
Credit/Deposit ratio | x | 59.6 | 54.4 | 53.1 | 55.0 | 68.2 |
Yield on advances | % | 8.8 | 9.5 | 8.5 | 7.4 | 7.4 |
Cost of deposits | % | 5.2 | 5.2 | 4.5 | 3.9 | 4.0 |
Net Interest Margin | % | 2.6 | 2.6 | 2.6 | 2.6 | 3.0 |
Net fixed assets | Rs m | 33,214 | 31,239 | 29,179 | 33,659 | 37,107 |
Share capital | Rs m | 91,416 | 164,370 | 166,468 | 189,024 | 189,024 |
Free reserves | Rs m | 72,182 | -2,820 | 4,519 | 36,953 | 59,736 |
Net worth | Rs m | 163,599 | 161,550 | 170,987 | 225,978 | 248,760 |
Borrowings | Rs m | 61,460 | 54,197 | 36,716 | 30,706 | 208,038 |
Investments | Rs m | 669,323 | 794,161 | 954,849 | 976,408 | 936,425 |
Total assets | Rs m | 2,500,084 | 2,607,268 | 2,742,293 | 2,990,300 | 3,134,499 |
Debt/equity ratio | x | 14.0 | 14.1 | 14.3 | 11.7 | 11.3 |
Return on assets | % | -1.5 | -3.3 | 0.3 | 0.6 | 0.7 |
Return on equity | % | -22.8 | -52.8 | 4.4 | 7.6 | 8.5 |
Capital adequacy ratio | % | 10.2 | 10.7 | 15.3 | 13.8 | 16.1 |
Net NPAs | % | 10.8 | 5.4 | 3.6 | 2.7 | 1.8 |
CASH FLOW |
From Operations | Rs m | -7,859 | -140,225 | 49,489 | 55,392 | -155,835 |
From Investments | Rs m | -6,471 | -854 | -460 | -493 | -5,596 |
From Financial Activity | Rs m | 57,795 | 72,771 | 18,128 | 4,790 | 127 |
Net Cashflow | Rs m | 43,465 | -68,308 | 67,157 | 59,688 | -161,304 |
* Results Consolidated | Source: Company Annual Reports, Regulatory Filings, Equitymaster |
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Share Holding |
Indian Promoters: | 96.4% |
Foreign collaborators: | 0.0% |
Indian inst/Mut Fund: | 1.3% |
FIIs: | 0.0% |
ADR/GDR: | 0.0% |
Free float: | 3.6% |
Shareholders: | 727,348 |
Pledged promoter(s) holding: | 0.0% |
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Company Information |
REGD OFF: | 763, Anna Salai, Central Office, Chennai - 600002 |
E-MAIL: | investor@iobnet.co.in / investorcomp@iobnet.co.in |
WEB: | www.iob.com |
TELEPHONE: | 044-28519654 71729791 28415702 |
FAX: | 044-28523372 / 28585675 |
SECTOR: | BANKING |
GROUP: | PSU |
TR AGENT: | Cameo Corporate Services Ltd, Subramanian Buildings No 1, Club House Road |
AUDITOR: | B. Thiagarajan & Co. |
CHM: | Srinivasan Sridhar |
COMP SEC: | Nandakumar S |
YEAR OF INC: | 1937 |
BSE CODE: | 532388 |
FV (Rs): | 10 |
DIV YIELD (%): | - |