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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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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 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 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 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 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 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 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 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...

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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.