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Indian Overseas Bank Stock Analysis

Large Cap
Evaluated by 2627 users | BSE: 532388 | NSE: IOB |
Bank - Public

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Indian Overseas Bank has not performed well majority of the past ten years indicating its past ten year financial track record is not good
 Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Net Interest Income (Rs. Cr.)4,2085,0165,2525,5775,3845,3835,1905,4685,2795,3035,8996,054
Y-o-Y Gr. Rt.-19.2%4.7%6.2%-3.5%-0%-3.6%5.4%-3.5%0.5%11.2%-
Total Income13,32719,57022,65024,85326,07726,04623,09121,66221,83820,76622,52522,391
Y-o-Y Gr. Rt.-46.9%15.7%9.7%4.9%-0.1%-11.3%-6.2%0.8%-4.9%8.5%-
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
17.3313.186.144.87-3.68-16.03-13.92-12.88-4.09-5.190.510.67
Y-o-Y Gr. Rt.--24%-53.4%-20.7%-175.6%NANANANANANA-
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
131.96135.34133.21116.21112.873.3447.1722.8415.188.418.9610.23
Y-o-Y Gr. Rt.-2.6%-1.6%-12.8%-2.9%-35%-35.7%-51.6%-33.5%-44.6%6.5%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.690.530.240.23-0.16-1.03-1.31-2.54-1.5-3.340.31-0.06
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)1.191.352.53.25.6811.8913.9915.3310.815.443.582.77
To view Capital Adequacy Ratio Colour Rating Guide click here
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%-
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
Indian Overseas Bank should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  10 yrs 5 yrs 3 yrs 1 yr
Net Interest Income1.8%1.9%2.6%11.2%
Total Income1.6%-2.9%1.3%8.5%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-30.3%NANANA
Book Value per Share
-26%-34.3%-26.8%6.5%
Share Price -13.8% -3.6% 14.5% 89.2%
Key Financial Ratios
RATIOS \ YEARSMar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Interest Earned / Total Income90.8191.4191.2991.2791.890.2985.3982.780.7483.8275.3274.22
Margins
To view Margins Colour Rating Guide click here
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.442.362.222.11.952.052.212.42.292.362.322.14
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)14.7811.084.914.51-3.21-21.31-27.52-55.38-29.85-61.575.83-0.88
Liquidity Ratio
To view Liquidity Ratio Colour Rating Guide click here
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 30.226.4226.5125.3425.0928.7236.0936.7538.340.2642.52-
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Entity Percentage Holding
Promoters 96.38%
Institutions 1.38%
Non-Institutions 2.24%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)
Past 10 year’s financial track record indicates that that Indian Overseas Bank is a below average quality company.

Indian Overseas Bank's earnings have grown by 0%, whereas share price has declined -3.6% CAGR over the past five years, indicating the company’s share price is likely undervalued. However, for specific investment actions please consult your investment advisor.

Indian Overseas Bank share price has declined -13.8% annually (CAGR) over the past ten years.

Past 10 years financial track record analysis by Moneyworks4me indicates that Indian Overseas Bank is a below average long term investment. However, you need to ensure you buy at a right price to earn good returns.

Indian Overseas Bank (IOB) was founded on February 10, 1937 by Shri. M.Ct.M. Chidambaram Chettyar, a pioneer in many fields. The Bank was founded by him with the main objective of specializing in foreign exchange business in banking to take the Bank across the globe. IOB was one of the major banks that were nationalized in 1969.

Business area of the Bank

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Indian Overseas Bank (IOB) was founded on February 10, 1937 by Shri. M.Ct.M. Chidambaram Chettyar, a pioneer in many fields. The Bank was founded by him with the main objective of specializing in foreign exchange business in banking to take the Bank across the globe. IOB was one of the major banks that were nationalized in 1969.

Business area of the Bank

Indian Overseas Bank is a pioneer in many fields - Banking, Insurance and Industry with the twin objectives of specialising in foreign exchange business and overseas banking.

Product and services offered by the bank

  • Personal Banking
  • Digital Banking
  • NRI
  • Agri/Rural
  • Retail
  • MSME
  • Corporate/Forex

Awards and Accolades

FY2017-18

  • Runner Up Award for Best Payment Initiatives amongst Medium Banks from IBA.
  • Bank's quarterly Hindi Magazine ‘VANI’ has received prize in Bronze category from Association of Business Communicators, Mumbai.
  • 2nd Prize for in-house Hindi magazine VANI for 2016-17 received by our MD & CEO on the occasion of Hindi Diwas from Hon’ble President of India
  • Bank was chosen as one of the winners (out of 36 banks) of Intelligent Enterprise Award (CategoryEnterprise Apps) presented by Indian Express group for the year 2017 for the product IOB PAY which is an online integration.

FY2018-19

  • The Central Vigilance Commission has awarded to Bank with ‘Vigilance Innovation Award’ with an Excellent Grade for various initiatives taken in the Bank.

FY2019-20

  • IOB ranked 5th position as on March 2019 under EASE 1.0 (FY 2018-19) with 75% score among PSBs.
  • IOB been awarded ‘Winner-Reforms Excellence’ and ‘Winner Deepening Financial Inclusion and Digitalisation’ out of 8 awards category of EASE 1.0.
  • IOB got a special mention in ‘Examples of Best Practice among PSBs’ for its Standardized Public Grievance Redressal System (SPGRS).
  • IOB awarded for Outstanding Performance in POS deployment in Northeast for the FY2018-19 by Meity.
  • IOB shortlisted by Infosys under Client Innovation Award -2020, for inhouse customization of Finacle on ‘Simplified Loan Account Opening’.
  • IOB awarded ISO 27001 for Information Technology Department.
Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

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