Iob Financial Report
Transcript of Iob Financial Report
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8/3/2019 Iob Financial Report
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Financial Statements for Indian Overseas Bank
(8789430)
ANNUAL INCOME STATEMENT OF IOB
Currency in
Millions of Indian Rupees
Mar 31
2007
Restated
INR
Mar 31
2008
Restated
INR
Mar 31
2009
Restated
INR
Mar 31
2010
INR
TOTAL REVENUES 27,612.5 31,402.3 38,960.0 34,454.5
Cost of Goods Sold 63.0 73.5 78.6 85.6
GROSS PROFIT 27,549.4 31,328.8 38,881.4 34,368.9
Selling General & Admin
Expenses, Total
12,411.6 13,216.1 17,531.5 22,560.8
EBT, EXCLUDING
UNUSUAL ITEMS
13,734.3 16,549.4 19,543.0 9,789.5
EBT, INCLUDING
UNUSUAL ITEMS
13,734.3 16,549.4 19,543.0 9,789.5
Income Tax Expense 3,650.0 4,526.0 6,285.1 2,719.9
Earnings from ContinuingOperations
10,084.3 12,023.4 13,257.9 7,069.6
NET INCOME 10,084.3 12,023.4 13,257.9 7,069.6
NET INCOME TO
COMMON INCLUDING
EXTRA ITEMS
10,084.3 12,023.4 13,257.9 7,069.6
NET INCOME TO
COMMON EXCLUDING
EXTRA ITEMS
10,084.3 12,023.4 13,257.9 7,069.6
QUARTERLY INCOME STATEMENT OF IOB
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Compared to the same quarter last year, Indian Overseas Bank has seen revenues shrink from
3.7B to 2.7B, though the company was able to grow net income from 1.8B to 2.1B. A reduction
in the percentage of sales devoted to income tax expense from 46.82% to 38.02% was a key
component in the bottom line growth in the face of falling revenues.
AnnualQuarterly
Currency in
Millions of Indian Rupees
Dec 31
2009
Press
Release
INR
Mar 31
2010
INR
Jun 30
2010
Press
Release
INR
Sep 30
2010
Press
Release
INR
TOTAL REVENUES 8,342.8 5,603.8 10,442.9 9,257.1
Cost of Goods Sold -- 85.6 -- --
GROSS PROFIT 8,342.8 5,518.2 10,442.9 9,257.1
Selling General & Admin
Expenses, Total
4,680.9 9,540.2 4,744.7 4,203.4
EBT, EXCLUDING UNUSUAL
ITEMS
1,874.4 -864.2 3,870.7 3,105.3
Other Unusual Items, Total -- 821.7 -821.7 --
Other Unusual Items -- 821.7 -821.7 --
EBT, INCLUDING UNUSUALITEMS 1,874.4 -42.5 3,049.0 3,105.3
Income Tax Expense 857.4 -1,316.9 1,044.6 1,043.8
Earnings from Continuing
Operations
1,017.0 1,274.4 2,004.4 2,061.5
NET INCOME 1,017.0 1,274.4 2,004.4 2,061.5
NET INCOME TO COMMON
INCLUDING EXTRA ITEMS
1,017.0 1,274.4 2,004.4 2,061.5
NET INCOME TO COMMONEXCLUDING EXTRA ITEMS
1,017.0 1,274.4 2,004.4 2,061.5
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BALANCE SHEET OF IOB
Indian Overseas Bank uses little or no debt in its capital structure and may have less financial
risk than the industry aggregate.
AnnualQuarterly
Currency in
Millions of Indian Rupees
Mar 31
2007
Restated
INR
Mar 31
2008
Restated
INR
Mar 31
2009
Restated
INR
Mar 31
2010
INR
Assets
Cash and Equivalents 47,617.9 18,109.5 56,614.3 28,285.2
TOTAL CASH AND SHORT
TERM INVESTMENTS
47,617.9 18,109.5 56,614.3 28,285.2
Prepaid Expenses 5,666.6 -- -- --
Restricted Cash 42,175.1 85,303.7 52,604.7 69,961.2
Other Current Assets 5,666.6 6,176.4 7,612.9 9,624.1
TOTAL CURRENT ASSETS 102,678.2 117,749.7 125,759.4 118,289.2
Gross Property Plant and
Equipment
10,198.6 11,276.8 23,658.1 24,682.0
Accumulated Depreciation -5,092.0 -5,691.1 -6,559.5 -7,686.3
NET PROPERTY PLANT
AND EQUIPMENT
5,106.6 5,585.8 17,098.6 16,995.7
Other Long-Term Assets 4,435.9 6,276.4 6,868.9 9,134.2
TOTAL ASSETS 822,568.3 1,018,377.
2
1,210,734.0 1,310,964.0
LIABILITIES & EQUITY
Accrued Expenses 2,618.1 1,916.3 2,000.7 2,194.2
Current Portion of Long-
Term Debt/Capital Lease
-- -- -- 21,105.8
Other Current Liabilities, 8,697.6 9,156.5 6,926.7 6,656.5
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Total
TOTAL CURRENT
LIABILITIES
698,719.9 854,328.6 1,010,086.2 1,137,903.6
Long-Term Debt 28,962.3 63,536.5 104,945.8 68,716.2
Other Non-Current Liabilities 54,982.4 51,851.6 24,192.3 29,098.3
TOTAL LIABILITIES 782,664.6 969,716.7 1,139,224.4 1,235,718.1
Common Stock 5,448.0 5,448.0 5,448.0 5,448.0
Additional Paid in Capital 1,400.0 1,400.0 1,400.0 1,400.0
Retained Earnings 29,674.2 37,954.5 41,133.9 44,549.5
Comprehensive Income and
Other
3,381.4 3,858.0 23,527.7 23,848.3
TOTAL COMMON EQUITY 39,903.7 48,660.5 71,509.6 75,245.8
TOTAL EQUITY 39,903.7 48,660.5 71,509.6 75,245.8
TOTAL LIABILITIES AND
EQUITY
822,568.3 1,018,377.
2
1,210,734.0 1,310,964.0
Financial Statements for Indian Overseas Bank
(8789430)
AnnualQuarterly
Currency in
Millions of Indian Rupees
Mar 31
2007
Restated
INR
Mar 31
2008
Restated
INR
Mar 31
2009
Restated
INR
Mar 31
2010
INR
NET INCOME 10,084.3 12,023.4 13,257.9 7,069.6
Depreciation & Amortization 611.2 751.0 1,009.4 1,117.6
DEPRECIATION &
AMORTIZATION, TOTAL
611.2 751.0 1,009.4 1,117.6
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Other Operating Activities 7,747.6 10,534.0 14,341.1 15,538.7
Change in Other Working Capital -153,456.3 -158,298.2 -184,080.4 -142,616.1
CASH FROM OPERATIONS -135,013.2 -134,990.0 -155,472.0 -118,890.2
Capital Expenditure -1,728.6 -1,319.4 -2,321.6 -1,530.0
Sale of Property, Plant, and
Equipment
569.4 64.9 1,420.9 209.5
CASH FROM INVESTING -1,159.2 -1,254.5 -900.7 -1,320.5
Long-Term Debt Issued 13,230.0 -- 9,553.0 11,000.0
TOTAL DEBT ISSUED 13,230.0 -- 9,553.0 11,000.0
Long Term Debt Repaid -2,577.4 -1,570.0 -- -1,750.0
TOTAL DEBT REPAID -2,577.4 -1,570.0 -- -1,750.0
Common Dividends Paid -1,615.1 -1,912.2 -2,230.9 -2,868.2
TOTAL DIVIDEND PAID -1,615.1 -1,912.2 -2,230.9 -2,868.2
Other Financing Activities -2,255.4 -2,504.9 -3,046.8 -3,931.9
CASH FROM FINANCING 188,893.0 149,864.6 162,178.4 109,238.1
NET CHANGE IN CASH 52,720.6 13,620.2 5,805.8 -10,972.6
KEY EXECUTIVES - Indian Overseas Bank
(8789430)
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Name Board
Relationships
Title Age
M . Narendra 11 Relationships Chairman and
Managing
Director
--
B . S .
Keshavamurthy
No
Relationships
Chief Financial
Officer and
General
Manager
--
A . K . Bansal 11 Relationships Executive
Director
--
Nupur Mitra 11 Relationships Executive
Director
58
A . P . Singh No
Relationships
General
Manager,
Compliance
Officer and
Company
Secretary
--
View More
8789430 Key
Executives
Board Members - Indian Overseas Bank (8789430)
Name Board
Relationships
Primary
Company
Age
M . Narendra 11 Relationships Indian Overseas
Bank
--
Nupur Mitra 11 Relationships Indian Overseas
Bank
58
A . K . Bansal 11 Relationships Indian Overseas
Bank
--
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-
8/3/2019 Iob Financial Report
7/20
A . Vellayan 67 Relationships The Murugappa
Group
57
Chiranjib Sen 19 Relationships Indian Overseas
Bank
64
View All 8789430 Board Members
EXECUTIVE COMMITTEES* - Indian Overseas Bank
(8789430)
CommitteeName
Chairperson BoardRelationships
Members
There is no
committee data
available.
*Data is at least as current as the most recent Definitive Proxy.
Balance Sheet
(Rs. in Crores)
Standalone
|
Consolidated
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Particulars Mar-10 Mar-09 Mar-08 Mar-07 Mar-06 Mar-05
SOURCE
S OF
FUNDS :
Capital 544.80 544.80 544.80 544.80 544.80 544.80
Reserves
Total
6,979.78 6,606.16 4,321.25 3,445.57 2,632.64 2,030.39
Deposits 110,794.7
1
100,115.8
9
84,325.58 68,740.41 50,529.31 44,241.24
Borrowing
s
8,982.20 10,494.58 6,353.65 2,896.23 736.63 590.68
Other
Liabilities
&
Provisions
3,794.90 3,311.96 6,292.44 6,629.82 4,914.43 3,407.94
TOTAL
LIABILITIE
S
131,096.3
9
121,073.3
9
101,837.7
2
82,256.83 59,357.81 50,815.05
APPLICAT
ION OFFUNDS :
Cash &
Balances
with RBI
7,666.45 5,940.44 9,124.23 4,686.11 3,077.96 4,175.44
Balances
with Banks
& money
at Call
2,158.19 4,981.46 1,217.09 4,293.19 629.28 778.52
Investments
37,650.56 31,215.44 28,474.71 23,974.47 18,952.28 19,014.72
Advances 79,003.92 74,885.27 60,401.82 47,060.29 34,756.20 25,205.19
Fixed
Assets
1,699.57 1,709.86 558.58 510.66 457.74 452.34
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Other
Assets
2,917.70 2,340.92 2,061.29 1,732.11 1,484.35 1,188.84
Miscellane
ous
Expenditur
e not
written off
0.00 0.00 0.00 0.00 0.00 0.00
TOTAL
ASSETS
131,096.3
9
121,073.3
9
101,837.7
2
82,256.83 59,357.81 50,815.05
Contingent
Liability
39,309.73 38,341.68 31,312.29 22,395.61 14,011.26 13,947.91
Bills for
collection
3,205.15 3,505.07 3,127.00 2,418.35 1,953.48 1,768.84
Cash Flow(Rs. in Crores)
Particulars Mar-10 Mar-09 Mar-08
Cash and Cash
Equivalents at
Begining of the year
10,921.90 10,341.32 8,979.30
Net Cash from
Operating Activities
-1,210.19 243.11 2,086.17
Net Cash Used In
Investing Activities
-132.05 -90.07 -125.44
Net Cash Used In
Financing Activities
244.98 427.54 -598.71
Net Inc/(Dec) In
Cash And Cash
-1,097.26 580.58 1,362.02
Cash And Cash 9,824.64 10,921.90 10,341.32
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Equivalents At End
Of The Year
Company Profile
Indian Overseas Bank (IOB) was founded in February 10th of the year 1937 byShri.M.Ct.M.Chidambaram Chettyar, a pioneer in many fields Banking, Insurance and
Industry with the twin objectives of specialising in foreign exchange business and overseas
banking. IOB had the unique distinction of commencing business in 10th February 1937 (on
the inaugural day itself) in three branches simultaneously - at Karaikudi and Chennai in
India and Rangoon in Burma (presently Myanmar) followed by a branch in Penang. Indian
Overseas Bank has an ISO certified in-house Information Technology department, which
has developed the software that 900 branches use to provide online banking to customers.
At the dawn of Independence IOB had 38 branches in India and 7 branches abroad. The
Products & Services of the bank includes NRI Services, Personal Banking, Forex Services,
Agri Business Consultancy, Credit Cards, Any Branch Banking and ATM Banking. Saga of
the IOB is covered into four categories, such as Pre-nationalisation era (1947- 69), at thetime of Nationalisation (1969), Post - nationalisation era (1969-1992) and Post-Reform
Period - Unprecedented developments (1992 & after). In Pre-nationalisation era (1947- 69),
IOB expanded its domestic activities and enlarged its international banking operations. As
early as in 1957, the Bank established a training centre, which has now grown into a Staff
College at Chennai with 9 training centres all over the country.IOB was the first Bank to
venture into consumer credit. It introduced the popular Personal Loan scheme during this
period. In 1964, the Bank made a beginning in computerisation in the areas of inter-branch
reconciliation and provident fund accounts. In 1968, IOB established a full-fledged
department to cater exclusively to the needs of the Agriculture sector. At the time of
Nationalisation (1969), IOB was one of the 14 major banks that was nationalised in 1969.On the eve of Nationalisation in 1969, IOB had 195 branches in India with aggregate
deposits of Rs. 67.70 Crs. and Advances of Rs. 44.90 Crs. In Post - nationalisation era
(1969-1992), during the year 1973, IOB had to wind up its five Malaysian branches as the
Banking law in Malaysia prohibited operation of foreign Government owned banks. This led
to creation of United Asian Bank Berhad in which IOB had 16.67% of the paid up capital. In
the same year Bharat Overseas Bank Ltd was created in India with 30% equity participation
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from IOB to take over IOB's branch at Bangkok in Thailand. In 1977, IOB opened its branch
in Seoul and the Bank opened a Foreign Currency Banking Unit in the free trade zone in
Colombo in 1979. The Bank sponsored 3 Regional Rural Banks viz. Puri Gramya Bank,
Pandyan Grama Bank and Dhenkanal Gramya Bank. The Bank had setup a separate
Computer Policy and Planning Department (CPPD) to implement the programme ofcomputerisation, to develop software packages on its own and to impart training to staff
members in this field. In the year 1988, IOB acquired Bank of Tamil Nadu in a rescue. In
Post-Reform Period - Unprecedented developments (1992 & after), IOB formulated its Web
site during the month of February in 1997. The Bank got autonomous status during the year
1997-98. IOB had the distinction of being the first Bank in Banking Industry to obtain ISO
9001 Certification for its Computer Policy and Planning Department from Det Norske
Veritas (DNV), Netherlands in September 1999. IOB started its STAR services in December
of the year 1999 for speedy realisation of outstation cheques. Now the Banks has 14
STARS centres and one Controlling Centre for providing this service and in the same year
started tapping the potential of Internet by enabling ABB cardholders in Delhi to pay their
telephone bills by just logging on to MTNL web site and by authorising the Bank to debittowards the telephone bills. The Bank made a successful debut in raising capital from the
public during the financial year 2000-01, despite a subdued capital market. IOB bagged the
NABARD's award for credit linking the highest number of Self Help Groups for 2000-2001
among the Banks in Tamil Nadu. Mobile banking under SMS technology was implemented
in Ahmedabad and Baroda. Pilot run of Phase I of the Internet Banking commenced
covering 34 branches in 5 Metropolitan centres. IOB was one among the first to join
Reserve Bank of India's negotiated dealing system for security dialing online. The Bank has
finalised an e-commerce strategy and has developed the necessary Internet banking
modules in-house. For the first time a Total Branch Automation package developed in-
house has been customised in one of the Overseas Branches of the Bank. Most softwaredeveloped in-house. During the year 2002-03, a new credit scheme Shubh Yatra' was
introduced to provide loans to those who undertake foreign travel for tourism, employment
and medical treatment. During the year 2004, the Government OF India selected IOB for
channelising government credit to other countries, which runs into billions of dollars. And
also in the same year the bank made tie up with Times Online Money to launch an Internet-
based remittance product, e-Cash Home, targeted at NRIs in the US wishing to transfer
money to India. IOB made pact with Chola for MF products. During the year 2005, the bank
joined hands with Visa to offer debit cards to its esteemed customers. In the year 2006, IOB
inked MoU with CRI Pumps. In September 2006, Indian Overseas Bank (IOB) has finally
taken control of Bharat Overseas Bank (BhOB), an unlisted private bank. This is the first
instance of a public sector bank taking over a strong private sector bank without resorting tothe moratorium route. During May of the year 2007, Indian rating agency ICRA assigned an
'A1+' rating to the proposed 20 bln rupee certificates of deposit programme of Indian
Overseas Bank, citing the bank's consistent and measured growth, the improvement in its
asset quality through effective monitoring and collection systems, and improving core
profitability. During June of the year 2008, IOB launched two new products namely IOB
Gold' and IOB Silver' in savings account and IOB Classic' and IOB Super' under current
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account. IOB have a network of more than one thousand eight hundred branches all over
India located in various metropolitan cities, urban, suburban and rural areas. IOB plans to
set up banking operations in Malaysia in a joint venture with two other India-based banks
Bank of Baroda and Andhra Bank with a minimum capital investment of RM320 million
(US$100 million).
Key Executives
Chairman & Managing Director M Narendra
Executive Director Nupur Mitra
Director (Officer Employee) K Ananda Kumar
Director(PartTime NonOfficial) B V Appa Rao
Board Of Directors
Chairman & Managing Director M Narendra
Executive Director Nupur Mitra
Director (Officer Employee) K Ananda Kumar
Director(PartTime NonOfficial) B V Appa Rao
Sooraj Khatri
Director(Shareholders) Ashok Kumar Bhargava
A Vellayan
Nominee (Govt) Vinita Kumar
Director(Shareholders) Chiranjib Sen
Nominee S V Raghavan
Director (Workmen Employee) Sridhar Lal Lakhotia
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Executive Director A K Bansal
Company Secretary A P Singh
Profit & Loss(Rs. in Crores)
Standalone
|
Consolidated
Particulars Mar-10 Mar-09 Mar-08 Mar-07 Mar-06 Mar-05
INCOME :
Interest
Earned
10,245.77 9,641.40 7,738.77 5,832.07 4,406.28 3,951.05
Other
Income
1,316.61 1,713.07 1,075.46 892.95 728.21 799.55
Total I 11,562.38 11,354.47 8,814.23 6,725.02 5,134.49 4,750.60
II.
Expenditur
e
Interest
expended
7,077.91 6,771.81 5,288.79 3,271.27 2,339.10 2,095.53
Payments
to/Provisio
ns forEmployee
s
1,734.75 1,271.84 949.68 931.07 893.57 843.46
Operating
Expenses
&
418.14 388.23 304.19 255.28 198.35 158.38
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Administra
tive
Expenses
Depreciati
on
111.76 100.94 75.10 61.12 55.34 46.74
Other
Expenses,
Provisions
&
Contingen
cies
1,240.87 867.35 541.53 832.85 662.51 634.67
Provision
for Tax
45.94 698.20 509.19 274.48 197.65 335.63
Fringe
Benefit tax
0.00 12.94 24.00 10.00 5.55 0.00
Deferred
Tax
226.05 -82.63 -80.59 80.52 -0.92 -15.17
Total II 10,855.42 10,028.68 7,611.89 5,716.59 4,351.15 4,099.24
III. Profit &
Loss
ReportedNet Profit 706.96 1,325.79 1,202.34 1,008.43 783.34 651.36
Extraordin
ary Items
-58.18 44.03 1.09 1.77 34.79 3.65
Adjusted
Net Profit
765.14 1,281.76 1,201.25 1,006.66 748.55 647.71
Prior Year
Adjustmen
ts
0.00 0.00 0.00 0.00 0.00 0.00
Profit
brought
forward
0.00 0.00 0.00 0.00 0.00 0.00
IV.
Appropriati
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ons
Transfer to
Statutory
Reserve
212.10 398.00 361.00 303.00 235.00 195.41
Transfer to
Other
Reserves
271.77 640.97 637.38 514.21 386.83 307.59
Trans. to
Governme
nt
/Proposed
Dividend
223.09 286.82 203.96 191.22 161.51 148.36
Balancecarried
forward to
Balance
Sheet
0.00 0.00 0.00 0.00 0.00 0.00
Equity
Dividend
%
35.00 45.00 35.00 30.00 26.00 24.00
Earnings
Per Share-
Unit Curr
12.38 23.57 21.83 18.00 14.01 11.63
Earnings
Per
Share(Adj)
-Unit Curr
12.38 23.57 21.83 18.00 14.01 11.63
Book
Value-Unit
Curr
116.54 109.06 87.23 71.08 56.08 44.67
Quarterly Results
View Past Quarterly Results
Standalone
|
http://www.google.com/url?q=http%3A%2F%2Fwww.indiainfoline.com%2FMarkets%2FCompany%2FFundamentals%2FOlder-Quarterly-result%2FIndian-Overseas-Bank%2F532388&sa=D&sntz=1&usg=AFQjCNHGSoCJQ1tMy2ejkZD3bYg6rytH4whttp://www.google.com/url?q=http%3A%2F%2Fwww.indiainfoline.com%2FMarkets%2FCompany%2FFundamentals%2FOlder-Quarterly-result%2FIndian-Overseas-Bank%2F532388&sa=D&sntz=1&usg=AFQjCNHGSoCJQ1tMy2ejkZD3bYg6rytH4whttp://www.google.com/url?q=http%3A%2F%2Fwww.indiainfoline.com%2FMarkets%2FCompany%2FFundamentals%2FOlder-Quarterly-result%2FIndian-Overseas-Bank%2F532388&sa=D&sntz=1&usg=AFQjCNHGSoCJQ1tMy2ejkZD3bYg6rytH4whttp://www.google.com/url?q=http%3A%2F%2Fwww.indiainfoline.com%2FMarkets%2FCompany%2FFundamentals%2FOlder-Quarterly-result%2FIndian-Overseas-Bank%2F532388&sa=D&sntz=1&usg=AFQjCNHGSoCJQ1tMy2ejkZD3bYg6rytH4whttp://www.google.com/url?q=http%3A%2F%2Fwww.indiainfoline.com%2FMarkets%2FCompany%2FFundamentals%2FOlder-Quarterly-result%2FIndian-Overseas-Bank%2F532388&sa=D&sntz=1&usg=AFQjCNHGSoCJQ1tMy2ejkZD3bYg6rytH4w -
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Consolidated
Particulars Sep-10
(Rs.Cr)
Jun-10
(Rs.Cr)
Mar-10
(Rs.Cr)
Interest Earned 2,800 2,668 2,548
Operating Expenses 2,459 2,501 2,374
Operating Profit
Before Prov. & Cont.
616 382 456
Provisions &
Contingencies
305 77 460
Depreciation 0 0 0
Provision for Taxes 104 104 -132
Deferred Tax 0 0 0
Net Profit 206 200 127
Extra-ordinary Items 0 -54 0
Adjusted Profit After
Extra-ordinary item
206 254 127
EPS (Unit Curr.) 4 4 2
EPS (Adj) (Unit
Curr.)
4 4 2
Calculated EPS (Unit
Curr.)
4 4 2
Calculated EPS (Adj)
(Unit Curr.)
3.8 3.7 2.3
Calculated EPS
(Ann.) (Unit Curr.)
15.1 14.7 9.4
Calculated EPS (Adj)
(Ann.) (Unit Curr.)
15.1 14.7 9.4
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Book Value (Unit
Curr.)
0.0 117.1 0.0
Dividend (%) 0.0 0.0 0.0
Equity 544.8 544.8 544.8
Reserve & Surplus 5,804.2 5,804.2 5,804.2
Face Value 10.0 10.0 10.0
Non-Promoter
Holding Shares
211,200,000 211,200,000 211,200,000
Non-Promoter
Holding (%)
38.8 38.8 38.8
(%) of shares held by
GOI
61.2 61.2 61.2
PBIDTM(%) 77 77 68
PBDTM(%) 11.09 11.43 -0.17
PATM(%) 7.36 7.51 5.00
Capital Adequacy
Ratio
12.55 13.64 14.26
Tier I Capital 7.34 7.94 8.36
Tier II Capital 5.21 5.70 5.90
Gross Non
Performing Assets
3,326.38 3,570.88 3,611.08
Net Non Performing
Assets
1,764.89 1,794.41 1,994.97
(%) Gross Non
Performing Assets
3.78 4.30 4.47
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(%) Net Non
Performing Assets
2.04 2.21 2.52
Return on
Assets(Annualised)
0.58 0.58 0.53
Indian Overseas Bank Detailed Annual
Results (1999 - 2010)
Standalone
|
Consolidated
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Part
icul
ars
Mar
-10
(Rs.
Cr)
Mar
-09
(Rs.
Cr)
Mar
-08
(Rs.
Cr)
Mar
-07
(Rs.
Cr)
Mar
-06
(Rs.
Cr)
Mar
-05
(Rs.
Cr)
Mar
-04
(Rs.
Cr)
Mar
-03
(Rs.
Cr)
Mar
-02
(Rs.
Cr)
Mar
-01
(Rs.
Cr)
Mar
-00
(Rs.
Cr)
Mar-
99
(Rs.
Cr)
Inter
est
Earn
ed
10,2
46
9,64
1
7,73
9
5,83
2
4,40
6
3,95
1
3,75
4
3,48
6
3,17
1
2,79
3
2,50
5
2,29
9
Ope
ratin
g
Exp
ens
es
9,62
7
8,71
4
6,77
4
4,65
9
3,60
1
3,25
4
3,17
0
3,21
2
3,08
5
2,78
9
2,58
3
1,73
3
Ope
ratin
g
Profi
t
Befo
re
Prov
. &
Cont
.
1,76
2
2,52
4
2,00
2
1,56
0
1,34
7
1,49
7
1,32
5
794 616 307 188 817
Prov
ision
s &
Cont
inge
ncie
s
783 569 347 187 361 525 533 359 331 184 123 737
Depreci
atio
n
0 0 0 0 0 0 0 0 0 0 0 24
Prov
ision
for
Tax
272 629 453 284 202 320 279 19 19 7 25 0
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