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Indian Overseas Bank
 
BSE Code 532388
ISIN Demat INE565A01014
Book Value 15.79
NSE Code IOB
Dividend Yield % 0.00
Market Cap 743304.37
P/E 19.49
EPS 1.98
Face Value 10  
(Rs. in Million)
Particulars Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021
I. INCOME          
Interest Earned281310.09  240497.34  194003.26  167298.66  169655.33  
     Interest / Discount on advances / Bills201821.25  175756.07  131506.87  106651.68  108382.04  
     Interest on balances with RBI and other Inter-bank funds1758.75  2287.42  4010.10  2304.94  3045.04  
     Income on investments70378.84  59457.72  58486.29  56745.85  57116.79  
     Others7351.25  2996.13    1596.19  1111.45  
Other Income55450.68  56562.62  41087.48  49030.20  55590.18  
     Commission,exchange and brokerage15023.87  13305.92  12207.90  10396.18  9485.25  
     Profit / (loss)on sale of investments(net)5236.19  2732.39  2495.75  9336.64  18203.79  
     Profit on sale of Fixed Assets17.96  22.09  15.84  12.01  14.92  
     Foreign Exchange Gains387.58  1928.08  5644.22  8981.04  6028.66  
     Income earned from subsidiaries/joint venture          
     Rent / Lease Income          
     Provisions Written Back          
     Miscellaneous income34785.09  38574.13  20723.78  20304.33  21857.55  
Total Income336760.77  297059.97  235090.74  216328.86  225245.51  
II. EXPENDITURE          
Interest Expended172408.03  142203.20  111454.45  104187.29  110670.24  
     Intereston Deposits150084.93  126085.65  105356.10  102195.98  107013.58  
     Interest on RBI / inter-bank borrowings22322.48  16118.17  6098.02  1991.18  3656.48  
     Other Interest0.62  -0.61  0.33  0.13  0.19  
Operating Expenses77472.64  87219.08  64214.63  54512.44  55617.21  
     Payments to and provisions for employees46663.96  61401.26  40990.51  34857.65  37027.84  
     Rent,Taxes and lighting5588.42  5281.69  4927.15  4453.96  4176.44  
     Depreciation on Banks property3944.56  3358.53  2598.90  1721.86  2579.97  
     Depreciation on leased assets          
     Auditor's fees and expenses413.59  302.67  319.68  389.72  361.85  
     Law charges299.38  312.95  247.08  242.44  301.22  
     Communication Expenses638.64  609.93  671.96  671.85  663.20  
     Repairs and Maintenance426.46  377.96  250.55  208.75  178.97  
     Insurance4107.09  3500.67  3408.08  3228.89  3001.63  
     Other expenses15390.55  12073.41  10800.72  8737.32  7326.09  
Provisions and Contingencies41762.95  33512.24  35939.21  39838.51  50560.95  
     Provision for investments  -4.90  13.50  2492.50  -1649.90  
     Provision for advances44193.00  25942.70  23824.40  35928.50  48206.50  
     Others Provisions-2430.05  7574.44  12101.31  1417.51  4004.35  
Profit Before Tax45117.15  34125.45  23482.46  17790.63  8397.10  
Taxes11770.10  7569.20  2494.60  695.20  82.40  
     Current Income Tax11770.10  7569.20  206.10  317.10  232.40  
     Deferred Tax    2288.50  378.10  -150.00  
     Other taxes0.00  0.00  0.00  0.00  0.00  
Profit After Tax33347.05  26556.25  20987.86  17095.43  8314.70  
Extra items0.00  0.00  0.00  0.00  0.00  
Minority Interest          
Share of Associate          
Other Consolidated Items          
Consolidated Net Profit33347.05  26556.25  20987.86  17095.43  8314.70  
Adjustments to PAT          
IV. APPROPRIATIONS-111345.87  -137930.74  -159005.02  -171043.20  -181456.54  
     Transfer to Statutory Reserve8336.76  6639.06  5246.97  4932.06    
     Appropriation to General Reserve          
     Appropriation to Revenue Reserve          
     Appropriation to Other Reserves          
     Equity Dividend          
     Corporate dividend tax          
     Other appropriations-119682.63  -144569.80  -164251.98  -175975.25  -181456.54  
Equity Dividend %          
Earnings Per Share2.00  1.00  1.00  1.00  1.00  
Adjusted EPS2.00  1.00  1.00  1.00  1.00  
 

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