You Are On:
EQUITY
Equity Analysis
  Price
    Gainers & Losers
    Out & Under Performers
    Only Buyers & Sellers
     Advances & Declines
     New Highs & Lows
     Weightage
     5 Day's Up & Down
  Volume
  Analysis
News Analysis
Corporate Info
Corporate Action
Other Market
Financial Ratios    
Indian Overseas Bank
 
BSE Code 532388
ISIN Demat INE565A01014
Book Value 13.34
NSE Code IOB
Dividend Yield(%) 0.00
Market Cap(Million) 1222040.95
P/E(X) 46.02
EPS(Rs.) 1.40
Face Value(Rs.) 10  
Particulars Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019
Operational & Financial Ratios          
   Earnings Per Share (Rs)1.11  0.90  0.51  -5.19  -4.09  
   DPS(Rs)0.00  0.00  0.00  0.00  0.00  
   Book NAV/Share(Rs)11.91  10.71  8.96  8.41  15.18  
Margin Ratios          
   Yield on Advances10.90  11.60  13.28  14.35  13.30  
   Yield on Investments6.48  6.73  7.89  7.31  8.45  
   Cost of Liabilities3.96  3.93  4.54  5.30  5.40  
   NIM2.82  2.26  2.32  2.36  2.29  
   Interest Spread6.94  7.67  8.75  9.05  7.90  
Performance Ratios          
   ROA(%)0.68  0.60  0.31  -3.34  -1.50  
   ROE(%)9.82  9.78  5.83  -61.57  -29.85  
   ROCE(%)8.20  8.47  5.71  -35.44  -22.91  
Efficiency Ratios          
   Cost Income Ratio51.94  48.61  48.54  59.21  46.93  
   Core Cost Income Ratio51.67  52.06  57.71  62.68  50.86  
   Operating Costs to Assets2.05  1.82  2.03  1.97  1.78  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)20.31  20.12  31.63  0.00  0.00  
   PCE(x)18.07  18.28  24.14  -1.42  -3.84  
   Price/Book(x)1.89  1.70  1.79  0.84  0.95  
   Yield(%)0.00  0.00  0.00  0.00  0.00  
   EV/Net Sales(x)3.27  2.24  1.77  0.98  1.10  
   EV/Core EBITDA(x)10.67  6.50  5.08  4.83  3.84  
   EV/EBIT(x)4.70  3.07  2.52  4.54  3.02  
   EV/CE(x)0.20  0.13  0.11  0.07  0.08  
   M Cap / Sales2.20  2.06  1.55  0.67  0.75  
Growth Ratio          
   Core Operating Income Growth30.80  7.00  11.23  0.45  -3.45  
   Operating Profit Growth-1.82  15.52  49.98  -11.66  13.13  
   Net Profit Growth22.77  105.60  109.75  -128.13  40.66  
   BVPS Growth11.15  19.59  6.52  -44.59  -33.55  
   Advances Growth23.44  12.94  5.26  -8.50  0.08  
   EPS Growth(%)22.77  78.79  109.75  -26.88  68.26  
Liquidity Ratios          
   Loans/Deposits(x)0.08  0.01  0.02  0.02  0.03  
   Cash / Deposits(x)0.07  0.09  0.05  0.01  0.05  
   Investment / Deposits(x)0.36  0.37  0.40  0.36  0.30  
   IncLoan / Deposits(x)7.97  1.17  1.53  2.43  2.76  
   Credit/Deposits(%)68.25  55.02  53.15  54.42  59.59  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)1.83  2.65  3.58  5.44  10.81