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Indian Overseas Bank

Indian Overseas Bank's npls (as % of loans) fell 13.3% to 22.1% in 2018

By Helgi Library - November 4, 2019

Indian Overseas Bank's non-performing loans reached 22.1% of total loans at the end of 2018, down from 25.5% compared to the prev...

Indian Overseas Bank's npls (as % of loans) fell 13.3% to 22.1% in 2018

By Helgi Library - November 4, 2019

Indian Overseas Bank's non-performing loans reached 22.1% of total loans at the end of 2018, down from 25.5% compared to the prev...

Indian Overseas Bank's net profit rose 40.7% to INR -37.4 bil in 2018

By Helgi Library - November 2, 2019

Indian Overseas Bank made a net profit of INR -37.4 bil under revenues of INR 93.8 bil in 2018, up 40.7% and 1.87% respectively compa...

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Annual Quarterly LTM

Profit Statement		2016	2017	2018
Net Interest Income	INR bil	51.9	54.7	52.8
Net Fee Income	INR bil	9.50	10.2	9.77
Other Income	INR bil	24.2	27.2	31.3
Total Revenues	INR bil	85.6	92.1	93.8
Operating Profit	INR bil	36.5	36.3	49.3
Provisions	INR bil	70.7	99.3	87.7
Net Profit	INR bil	-34.2	-63.0	-37.4

Balance Sheet		2016	2017	2018
Interbank Loans	INR bil	117	150	206
Customer Loans	INR bil	1,405	1,325	1,326
Total Assets	INR bil	2,472	2,480	2,500
Shareholders' Equity	INR bil	137	133	164
Interbank Borrowing	INR bil	6.24	6.03	5.48
Customer Deposits	INR bil	2,113	2,168	2,225
Issued Debt Securities	INR bil	161	92.3	61.5

Ratios		2016	2017	2018
ROE	%	-23.2	-46.6	-25.2
ROA	%	-1.31	-2.54	-1.50
Costs (As % Of Assets)	%	1.88	2.26	1.79
Costs (As % Of Income)	%	57.4	60.6	47.4
Capital Adequacy Ratio	%	10.5	9.25	10.2
Net Interest Margin	%	1.99	2.21	2.12
Loans (As % Of Deposits)	%	66.5	61.1	59.6
NPLs (As % Of Loans)	%	22.7	25.5	22.1
Provisions (As % Of NPLs)	%	40.3	45.4	55.8

Valuation		2016	2017	2018
Price/Earnings (P/E)		...	...	...
Price/Book Value (P/BV)		0.476	0.643	0.807
Dividend Yield	%	0	0	0
Earnings Per Share (EPS)	INR	-15.8	-23.3	-6.83
Book Value Per Share	INR	63.5	49.0	29.9
Dividend Per Share	INR	0	0	0

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Download Sample $19.99

summary
income statement
balance sheet
ratios
other data

summary	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Net Interest Income	INR bil													52.5	55.8	53.8	53.8	51.9
Total Revenues	INR bil													72.2	77.4	75.2	79.1	85.6
Operating Profit	INR bil													32.1	40.0	33.2	28.9	36.5
Net Profit	INR bil													5.67	6.02	-4.54	-29.0	-34.2
balance sheet
Interbank Loans	INR bil													54.2	72.7	123	82.1	117
Customer Loans	INR bil													1,604	1,759	1,718	1,609	1,405
Debt Securities	INR bil													614	702	813	792	713
Total Assets	INR bil													2,447	2,749	2,856	2,744	2,472
Shareholders' Equity	INR bil													135	162	156	157	137
Interbank Borrowing	INR bil													19.9	115	101	96.9	6.24
Customer Deposits	INR bil													2,021	2,280	2,460	2,245	2,113
Issued Debt Securities	INR bil													219	130	81.5	175	161
ratios
ROE	%													4.47	4.06	-2.86	-18.5	-23.2
ROA	%													0.244	0.232	-0.162	-1.03	-1.31
Costs (As % Of Assets)	%													1.73	1.44	1.50	1.79	1.88
Costs (As % Of Income)	%													55.6	48.4	55.8	63.5	57.4
Capital Adequacy Ratio	%													11.9	10.8	10.1	9.66	10.5
Net Interest Margin	%													2.26	2.15	1.92	1.92	1.99
Interest Income (As % Of Revenues)	%													72.7	72.0	71.6	68.0	60.6
Fee Income (As % Of Revenues)	%													12.4	12.0	13.3	0	11.1
Equity (As % Of Assets)	%													5.50	5.88	5.48	5.71	5.56
Loans (As % Of Deposits)	%													79.3	77.2	69.8	71.6	66.5
Loans (As % Assets)	%													65.5	64.0	60.1	58.6	56.8
NPLs (As % Of Loans)	%													4.06	5.03	8.44	17.6	22.7
Provisions (As % Of NPLs)	%	...	...	...	...	...	...	...	...	...	...	...		37.3	37.3	34.2	32.4	40.3
valuation
Market Capitalisation (End Of Period)	USD mil													1,097	1,016	830	637	963
Number Of Shares (Average)	mil													802	994	1,235	1,459	2,165
Share Price (End Of Period)	INR													75.0	63.2	42.4	29.0	30.2
Earnings Per Share (EPS)	INR													7.07	6.05	-3.68	-19.9	-15.8
Book Value Per Share	INR													168	163	127	107	63.5
Dividend Per Share	INR													2.30	1.49	0	0	0
Price/Earnings (P/E)														10.6	10.4	...	...	...	...	...
Price/Book Value (P/BV)														0.447	0.388	0.334	0.270	0.476
Dividend Yield	%													3.07	2.36	0	0	0
Earnings Per Share Growth	%	...												-58.2	-14.5	-161	440	-20.5
Book Value Per Share Growth	%	...												-12.7	-3.11	-22.1	-15.2	-40.9

income statement	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Interest Income	INR bil													207	227	239	235	197
Interest Cost	INR bil													154	171	186	181	145
Net Interest Income	INR bil													52.5	55.8	53.8	53.8	51.9
Net Fee Income	INR bil													8.95	9.29	10.0	0	9.50
Other Income	INR bil													10.8	12.4	11.4	25.3	24.2
Total Revenues	INR bil													72.2	77.4	75.2	79.1	85.6
Operating Cost	INR bil													40.2	37.5	42.0	50.3	49.1
Operating Profit	INR bil													32.1	40.0	33.2	28.9	36.5
Provisions	INR bil													24.6	34.0	37.8	57.8	70.7
Extra and Other Cost	INR bil													< 0.001	-0.019	-0.011	0	-0.012
Pre-Tax Profit	INR bil													7.47	6.02	-4.54	-29.0	-34.2
Tax	INR bil							...						1.80	0	0	0	0
Minorities	INR bil													0	0	0	0	0
Net Profit	INR bil													5.67	6.02	-4.54	-29.0	-34.2
Dividends	INR bil													1.85	1.48	0	0	0
growth rates
Net Interest Income Growth	%	...												4.70	6.19	-3.46	-0.023	-3.59
Net Fee Income Growth	%	...												11.9	3.77	7.84	-100	...
Total Revenue Growth	%	...												7.85	7.21	-2.88	5.18	8.22
Operating Cost Growth	%	...												27.0	-6.69	12.0	19.6	-2.26
Operating Profit Growth	%	...												-9.30	24.6	-16.9	-13.1	26.5
Pre-Tax Profit Growth	%	...												-28.8	-19.5	-176	538	17.9
Net Profit Growth	%	...												-46.0	6.08	-176	538	17.9
market share
Market Share in Revenues	%	...	...	...	...	...	...	...	...	...	...	...		3.06	2.87	2.48	2.35	2.13		...
Market Share in Net Profit	%	...	...	...	...	...	...	...	...	...	...	...		0.958	1.12	...	...	...	...	...

balance sheet	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
balance sheet
Cash	INR bil													98.4	117	126	140	115
Interbank Loans	INR bil													54.2	72.7	123	82.1	117
Customer Loans	INR bil													1,604	1,759	1,718	1,609	1,405
Debt Securities	INR bil													614	702	813	792	713
Fixed Assets	INR bil													18.5	26.0	25.1	32.7	30.5
Total Assets	INR bil													2,447	2,749	2,856	2,744	2,472
Shareholders' Equity	INR bil													135	162	156	157	137
Of Which Minority Interest	INR bil													0	0	0	0	0
Liabilities	INR bil													2,312	2,587	2,700	2,588	2,334
Interbank Borrowing	INR bil													19.9	115	101	96.9	6.24
Customer Deposits	INR bil													2,021	2,280	2,460	2,245	2,113
Sight Deposits	INR bil													132	140	146	121	130
Term Deposits	INR bil													1,889	2,140	2,314	2,124	1,983
Issued Debt Securities	INR bil													219	130	81.5	175	161
Other Liabilities	INR bil													51.5	63.0	57.1	70.7	53.6
asset quality
Non-Performing Loans	INR bil													66.1	90.2	149	300	351
Gross Loans	INR bil													1,628	1,793	1,769	1,706	1,546
Total Provisions	INR bil	...	...	...	...	...	...	...	...	...	...	...		24.6	33.6	51.1	97.4	142
growth rates
Customer Loan Growth	%	...												14.0	9.68	-2.35	-6.34	-12.7
Total Asset Growth	%	...												11.4	12.4	3.90	-3.92	-9.94
Shareholders' Equity Growth	%	...												12.8	20.2	-3.27	0.159	-12.3
Customer Deposit Growth	%	...												13.3	12.8	7.93	-8.75	-5.87
market share
Market Share in Customer Loans	%	...	...	...	...									2.90	2.74	2.42	2.02	1.70		...
Market Share in Total Assets	%													2.82	2.72	2.56	2.18	1.74		...
Market Share in Customer Deposits	%													3.21	3.17	3.01	2.46	1.99		...

ratios	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
ratios
ROE	%													4.47	4.06	-2.86	-18.5	-23.2
ROA	%													0.244	0.232	-0.162	-1.03	-1.31
Costs (As % Of Assets)	%													1.73	1.44	1.50	1.79	1.88
Costs (As % Of Income)	%													55.6	48.4	55.8	63.5	57.4
Capital Adequacy Ratio	%													11.9	10.8	10.1	9.66	10.5
Tier 1 Ratio	%													7.80	7.47	7.30	7.75	8.21
Net Interest Margin	%													2.26	2.15	1.92	1.92	1.99
Interest Spread	%	...												1.88	1.75	1.52	1.54	1.66
Asset Yield	%													8.91	8.73	8.54	8.40	7.56
Cost Of Liabilities	%	...												7.03	6.98	7.02	6.86	5.90
Payout Ratio	%													32.6	24.6	0	0	0
Interest Income (As % Of Revenues)	%													72.7	72.0	71.6	68.0	60.6
Fee Income (As % Of Revenues)	%													12.4	12.0	13.3	0	11.1
Other Income (As % Of Revenues)	%													14.9	16.0	15.1	32.0	28.3
Equity (As % Of Assets)	%													5.50	5.88	5.48	5.71	5.56
Loans (As % Of Deposits)	%													79.3	77.2	69.8	71.6	66.5
Loans (As % Assets)	%													65.5	64.0	60.1	58.6	56.8
NPLs (As % Of Loans)	%													4.06	5.03	8.44	17.6	22.7
Provisions (As % Of NPLs)	%	...	...	...	...	...	...	...	...	...	...	...		37.3	37.3	34.2	32.4	40.3
Provisions (As % Of Loans)	%	...	...	...	...	...	...	...	...	...	...	...		1.54	1.91	2.97	6.06	10.1
Cost of Provisions (As % Of Loans)	%													1.63	2.02	2.17	3.48	4.69

other data	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
other data
Employees														28,280	29,716	31,947	31,846	29,806
Sight (As % Of Customer Deposits)	%													6.53	6.15	5.95	5.38	6.17

Get all company financials in excel:

Download Sample $19.99

Indian Overseas Bank in Numbers
Annual (2000 - 2018)

Nov 2019

Statistical Dossier

$19.99

Indian Overseas Bank's net profit rose 40.7% to INR -37.4 bil in 2018

By Helgi Library - November 2, 2019

Indian Overseas Bank made a net profit of INR -37.4 bil under revenues of INR 93.8 bil in 2018, up 40.7% and 1.87% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of INR 13.3 bil in 2008 and an all time low of ...

Indian Overseas Bank's net interest margin fell 4.00% to 2.12% in 2018

By Helgi Library - November 2, 2019

Indian Overseas Bank's net interest margin amounted to 2.12% in 2018, down from 2.21% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.78% in 2004 and an all time low of 1.92% in 2014. The average...

Indian Overseas Bank's net interest margin fell 4.00% to 2.12% in 2018

By Helgi Library - November 2, 2019

Indian Overseas Bank's net interest income fell 3.45% to INR 52.8 bil in 2018

By Helgi Library - November 2, 2019

Indian Overseas Bank generated total banking revenues of INR 93.8 bil in 2018, up 1.87% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of INR 93.8 bil in 2018 a...

Indian Overseas Bank's capital adequacy ratio rose 10.4% to 10.2% in 2018

By Helgi Library - November 2, 2019

Indian Overseas Bank's capital adequacy ratio reached 10.2% at the end of 2018, up from 9.25% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 26.7% in 2006 and an all time low of 9.25% in 2017. The Tier 1 ratio am...

Indian Overseas Bank's capital adequacy ratio rose 10.4% to 10.2% in 2018

By Helgi Library - November 2, 2019

Indian Overseas Bank's net interest income fell 3.45% to INR 52.8 bil in 2018

By Helgi Library - November 2, 2019

Indian Overseas Bank's customer loan growth rose 101% to 0.082% in 2018

By Helgi Library - November 2, 2019

Indian Overseas Bank's customer loan growth reached 0.082% in 2018, up from -5.67% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 41.6% in 2010 and an all time low of -12.7% in 2016. In the last decade, th...

Indian Overseas Bank's customer loan growth rose 101% to 0.082% in 2018

By Helgi Library - November 2, 2019

Indian Overseas Bank's customer deposits rose 2.63% to INR 2,168 bil in 2018

By Helgi Library - November 2, 2019

Indian Overseas Bank's customer deposits reached INR 2,168 bil in 2017, up 2.60% compared to the previous year. Indian banking sector accepted customer deposits of INR 110,303 bil in 2017, up 3.61% when compared to the last year. Indian Overseas Bank acco...

More News

Finance

Indian Overseas Bank has been growing its revenues and asset by 3.92% and -1.88% a year on average in the last 5 years. Its loans and deposits have grown by -5.49% and -0.482% a year during that time and loans to deposits ratio reached 59.6% at the end of 2018. The company achieved an average return on equity of -23.3% in the last five years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 47.4% in 2018, compared to 57.0% average in the last five years.

Equity represented 6.54% of total assets or 12.3% of loans at the end of 2018. Indian Overseas Bank's non-performing loans were 22.1% of total loans while provisions covered some 55.8% of NPLs at the end of 2018.

Valuation

Indian Overseas Bank stock traded at INR 24.1 per share at the end of 2018 resulting in a market capitalization of USD 1,893 mil. Over the previous five years, stock price fell by 61.8% or 17.5% a year on average. That’s compared to an average ROE of -23.3% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of x and price to book value (PBV) of 0.807x in 2018.

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Institutional Sign In

Indian Overseas Bank

Indian Overseas Bank's npls (as % of loans) fell 13.3% to 22.1% in 2018

Indian Overseas Bank's npls (as % of loans) fell 13.3% to 22.1% in 2018

Indian Overseas Bank's net profit rose 40.7% to INR -37.4 bil in 2018

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Indian Overseas Bank's net profit rose 40.7% to INR -37.4 bil in 2018

Indian Overseas Bank's net interest margin fell 4.00% to 2.12% in 2018

Indian Overseas Bank's net interest margin fell 4.00% to 2.12% in 2018

Indian Overseas Bank's net interest income fell 3.45% to INR 52.8 bil in 2018

Indian Overseas Bank's capital adequacy ratio rose 10.4% to 10.2% in 2018

Indian Overseas Bank's capital adequacy ratio rose 10.4% to 10.2% in 2018

Indian Overseas Bank's net interest income fell 3.45% to INR 52.8 bil in 2018

Indian Overseas Bank's customer loan growth rose 101% to 0.082% in 2018

Indian Overseas Bank's customer loan growth rose 101% to 0.082% in 2018

Indian Overseas Bank's customer deposits rose 2.63% to INR 2,168 bil in 2018

Finance

Valuation

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