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NINE MONTHS RESULTS

Indian Overseas Bank

GO

May 12, 04:01 BSE 37.30 (+ 2.49 7.15%)

Volume613881

Prev. Close
34.81

Open Price
36.15

Today's Low / High

36.00 37.52

Bid. Price (Qty.)0.00 (0)

Offer Price (Qty.)
0.00 (0)

52 Wk Low / High

33.01 75.45

May 12, 03:59 NSE 37.22(+ 2.40 6.89%)

Volume11401731

Prev. Close
34.82

Open Price
36.00

Today's Low / High

36.00 37.54

Bid Price (Qty.)37.22 (8823)

Offer Price (Qty.) 0.00 (0)

52 Wk Low / High

33.50 75.55

Standalone

(₹ in Crs.)

Particulars	Dec 24	Dec 23	Dec 22	Dec 21	Dec 20
Interest Earned
Int. /Disc. on Adv/Bills	14924.31	12815.67	9519.04	7958.26	8391.16
Income on Investment	5221.86	4406.32	4403.30	4210.90	4272.78
Int. on balances With RBI	133.49	198.85	285.55	167.40	244.16
Others	217.76	0.00	0.00	178.78	0.00
Total Interest Earned	20497.42	17420.84	14207.89	12515.34	12908.10
Other Income	3963.97	3178.88	2678.77	3398.87	3542.65
Total Income	24461.39	20599.72	16886.66	15914.21	16450.75

EXPENDITURE
Interest Expended	12730.17	10354.52	8229.11	7813.74	8412.80
Employee Cost	3534.41	3622.88	3000.70	2535.93	2536.79
Other Expenses	2126.72	1819.66	1596.36	1415.94	1329.47
Total Expenses	18391.30	15797.06	12826.17	11765.61	12279.06

Operating Profit Before Provisions And Contingencies	6070.09	4802.66	4060.49	4148.60	4171.69
Provisions And Contingencies	3112.84	2583.57	2598.12	2969.73	3675.63
P/L Before Tax	2957.25	2219.09	1462.37	1178.87	496.06
Tax	673.61	371.57	13.65	21.71	14.36
P/L After Tax from Ordinary Activities	2283.64	1847.52	1448.72	1157.16	481.70
Net Profit/Loss For the Period	2283.64	1847.52	1448.71	1157.16	481.70

Equity Share Capital	18902.41	18902.41	18902.41	18902.41	16436.99

ANALYTICAL RATIOS
(%) of Share by Govt.	96.38	96.38	96.38	96.38	95.84
EPS Before Extra Ordinary *
Basic EPS (Rs.)	1.21	0.98	0.51	0.63	0.13
Diluted EPS (Rs.)	1.21	0.98	0.51	0.63	0.13
EPS After Extra Ordinary *
Basic EPS (Rs.)	1.21	0.98	0.51	0.63	0.13
Diluted EPS (Rs.)	1.21	0.98	0.51	0.63	0.13

NPA Ratios:
Gross NPA	6070.51	8440.83	14333.21	15426.55	16753.48
Net NPA	975.91	1302.58	4000.35	3586.83	3904.92
(%) of Gross NPA	2.55	3.90	8.19	10.40	12.19
(%) of Net NPA	0.42	0.62	2.43	2.63	3.13
Return on Assets %	0.82	0.76	0.63	0.54	0.21

OPBPC Margin (%)	29.61	27.56	28.57	33.14	32.31
PBT Margin (%)	14.42	12.73	10.29	9.41	3.84
PAT Margin (%)	11.14	10.60	10.19	9.24	3.73

Particulars	Dec 24
Interest Earned
Int. /Disc. on Adv/Bills	14924.31
Income on Investment	5221.86
Int. on balances With RBI	133.49
Others	217.76
Total Interest Earned	20497.42
Other Income	3963.97
Total Income	24461.39

EXPENDITURE
Interest Expended	12730.17
Employee Cost	3534.41
Other Expenses	2126.72
Total Expenses	18391.30
Operating Profit Before Provisions And Contingencies	6070.09
Provisions And Contingencies	3112.84
P/L Before Tax	2957.25
Tax	673.61
P/L After Tax from Ordinary Activities	2283.64
Net Profit/Loss For the Period	2283.64
Equity Share Capital	18902.41
ANALYTICAL RATIOS
(%) of Share by Govt.	96.38
EPS Before Extra Ordinary *
Basic EPS (Rs.)	1.21
Diluted EPS (Rs.)	1.21
EPS After Extra Ordinary *
Basic EPS (Rs.)	1.21
Diluted EPS (Rs.)	1.21
NPA Ratios:
Gross NPA	6070.51
Net NPA	975.91
(%) of Gross NPA	2.55
(%) of Net NPA	0.42
Return on Assets %	0.82
OPBPC Margin (%)	29.61
PBT Margin (%)	14.42
PAT Margin (%)	11.14