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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 774885.17
P/E 20.32
EPS 1.98
Face Value 10  
Particulars Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Operational & Financial Ratios          
   Earnings Per Share (Rs)1.73  1.40  1.11  0.90  0.51  
   DPS(Rs)0.00  0.00  0.00  0.00  0.00  
   Book NAV/Share(Rs)15.15  13.34  11.91  10.71  8.96  
Margin Ratios          
   Yield on Advances11.46  11.27  10.90  11.60  13.28  
   Yield on Investments6.81  6.24  6.48  6.73  7.89  
   Cost of Liabilities4.87  4.50  3.96  3.93  4.54  
   NIM2.88  2.97  2.82  2.26  2.32  
   Interest Spread6.59  6.78  6.94  7.67  8.75  
Performance Ratios          
   ROA(%)0.89  0.80  0.68  0.60  0.31  
   ROE(%)12.26  11.13  9.82  9.78  5.83  
   ROCE(%)10.13  9.63  8.20  8.47  5.71  
Efficiency Ratios          
   Cost Income Ratio47.14  56.32  51.94  48.61  48.54  
   Core Cost Income Ratio48.69  60.31  51.67  52.06  57.71  
   Operating Costs to Assets1.96  2.48  2.05  1.82  2.03  
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)22.50  42.69  20.31  20.12  31.63  
   PCE(x)20.12  37.90  18.07  18.28  24.14  
   Price/Book(x)2.57  4.50  1.89  1.70  1.79  
   Yield(%)0.00  0.00  0.00  0.00  0.00  
   EV/Net Sales(x)4.17  5.98  3.27  2.24  1.77  
   EV/Core EBITDA(x)13.50  21.25  10.67  6.50  5.08  
   EV/EBIT(x)5.39  8.15  4.70  3.07  2.52  
   EV/CE(x)1.64  2.59  1.46  0.13  0.11  
   M Cap / Sales2.67  4.71  2.20  2.06  1.55  
Growth Ratio          
   Core Operating Income Growth10.79  19.07  30.80  7.00  11.23  
   Operating Profit Growth-17.78  -22.85  -1.82  15.52  49.98  
   Net Profit Growth25.57  26.53  22.77  105.60  109.75  
   BVPS Growth13.53  12.04  11.15  19.59  6.52  
   Advances Growth15.11  19.81  23.44  12.94  5.26  
   EPS Growth(%)23.26  26.53  22.77  78.79  109.75  
Liquidity Ratios          
   Loans/Deposits(x)0.14  0.11  0.08  0.01  0.02  
   Cash / Deposits(x)0.06  0.06  0.07  0.09  0.05  
   Investment / Deposits(x)0.36  0.35  0.36  0.37  0.40  
   IncLoan / Deposits(x)13.54  10.63  7.97  1.17  1.53  
   Credit/Deposits(%)78.72  74.61  68.25  55.02  53.15  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)0.37  0.57  1.83  2.65  3.58  
 
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