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I O B

  • Market Cap: Large Cap
  • Industry: Public Banks
  • ISIN: INE565A01014
  • NSEID: IOB
  • BSEID: 532388
INR
35.22
-0.04 (-0.11%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 49.25 lacs

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stock-recommendationAnnual Results
Results Snapshot
Figures in Rs cr
Standalone Annual Results
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Mar'19
Mar'18
Interest Earned
24,049.73
19,400.33
16,729.87
16,965.53
17,406.11
17,631.27
17,915.21
Income On Investments
5,945.77
5,848.63
5,674.59
5,711.68
5,207.95
4,922.28
4,797.04
Interest On Balances With Rbi Other Inter Bank Funds
228.74
401.01
230.49
304.50
624.54
614.15
483.69
Interest / Discount On Advances / Bills
17,575.61
13,150.69
10,665.17
10,834.35
11,512.55
11,727.01
11,960.83
Others
299.61
0.00
159.62
115.00
61.07
367.83
673.65
Other Income
5,656.26
4,108.75
4,903.02
5,559.02
3,359.68
4,206.32
3,746.44
Total Income
29,705.99
23,509.08
21,632.89
22,524.55
20,765.79
21,837.59
21,661.65
Interest Expended
14,220.32
11,145.44
10,418.73
11,067.03
12,103.28
12,352.13
12,447.64
Net Interest Income
9,829.41
8,254.89
6,311.14
5,898.50
5,302.83
5,279.14
5,467.57
Total Expenditure (Excl Depreciation)
8,721.91
6,421.46
5,451.25
5,561.72
5,128.83
4,451.58
5,584.93
Employee Cost
6,139.89
4,099.05
3,485.77
3,702.78
3,240.72
2,646.85
2,994.14
Other Operating Expenses
2,582.02
2,322.41
1,965.48
1,858.94
1,888.11
1,804.73
2,590.79
Operating Profit Before Provisions and Contingencies
6,763.76
5,942.18
5,762.91
5,895.80
3,480.37
5,033.88
3,629.08
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
3,351.23
3,593.93
3,983.85
5,056.09
11,878.16
10,994.42
12,260.78
Profit Before Tax
3,412.53
2,348.25
1,779.06
839.71
-8,344.48
-5,960.54
-8,631.70
Tax
756.92
249.46
69.52
8.24
182.92
-2,222.66
-2,332.21
Profit After Tax
2,655.61
2,098.79
1,709.54
831.47
-8,527.40
-3,737.88
-6,299.49
Extraordinary Items
0.00
0.00
0.00
0.00
53.31
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
2,655.61
2,098.79
1,709.54
831.47
-8,580.71
-3,737.88
-6,299.49
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
6,317.25
3,607.38
1,348.42
-1,712.64
-2,613.38
4,733.24
6,279.96
Earnings per share (EPS)
1.4
1.11
0.9
0.51
-5.19
-4.09
-12.88
Diluted Earnings per share
1.4
1.15
0.92
0.51
-8.04
-6.83
-23.25
Operating Profit Margin (Excl OI)
49.8%
48.38%
43.6%
37.42%
2.29%
12.39%
0.39%
Gross Profit Margin
14.19%
12.1%
10.63%
4.95%
-47.94%
-33.81%
-48.18%
PAT Margin
11.04%
10.82%
10.22%
4.9%
-48.99%
-21.2%
-35.16%
Net Interest Margin
3.28%
2.93%
2.41%
2.39%
2.03%
2.08%
2.19%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
43.9%
43.74%
43.44%
42.52%
40.26%
38.3%
36.75%
CASA Amount
1,25,508.00
1,14,113.00
1,13,877.00
1,02,165.00
89,750.00
85,227.00
79,678.00
Capital Adequacy Ratio (Total)
17.28%
16.1%
13.83%
15.32%
10.72%
10.21%
9.25%
Capital Adequacy Ratio (Tier 1)
14.47%
12.88%
10.71%
12.91%
8.21%
7.85%
7.17%
Provision Coverage Ratio (%)
96.85%
92.63%
91.66%
90.34%
86.94%
71.39%
59.45%
Amount of Gross NPAs
6,794.43
14,071.55
15,298.62
16,323.18
19,912.70
33,398.12
38,180.15
Amount of Net NPAs
1,216.86
3,266.01
3,824.62
4,577.59
6,602.80
14,368.30
20,399.66
% of Net NPAs
0.57%
1.83%
2.65%
3.58%
5.44%
10.81%
15.33%
% of Gross NPAs
3.1%
7.44%
9.82%
11.69%
14.78%
21.97%
25.28%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
3506.0
3477.0
3355.0
3145.0
3032.0
3450.0
3552.0
Number of Branches
3236.0
3220.0
3214.0
3217.0
3270.0
3280.0
3332.0
Annual Analysis Highlights
stock-summary

Interest Earned

YoY Growth in year ended Mar 2024 is 23.97% vs 15.96% in Mar 2023

stock-summary

Net Profit

YoY Growth in year ended Mar 2024 is 26.53% vs 22.77% in Mar 2023

stock-summary

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2024 is 13.83% vs 3.11% in Mar 2023

stock-summary

% of Net NPAs

YoY Growth in year ended Mar 2024 is -1.26% vs -0.82% in Mar 2023

stock-summary

% of Gross NPAs

YoY Growth in year ended Mar 2024 is -4.34% vs -2.38% in Mar 2023

Compare Annual Results Of I O B With
Markets Mojo
Figures in Rs cr
Standalone Annual Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
24,049.73
26,426.13
-2,376.40
-8.99%
Income On Investments
5,945.77
7,737.61
-1,791.84
-23.16%
Interest On Balances With Rbi Other Inter Bank Funds
228.74
339.85
-111.11
-32.69%
Interest / Discount On Advances / Bills
17,575.61
17,970.67
-395.06
-2.2%
Others
299.61
378.00
-78.39
-20.74%
Other Income
5,656.26
3,610.91
2,045.35
56.64%
Total Income
29,705.99
30,037.04
-331.05
-1.1%
Interest Expended
14,220.32
12,239.69
1,980.63
16.18%
Net Interest Income
9,829.41
14,186.44
-4,357.03
-30.71%
Total Expenditure (Excl Depreciation)
8,721.91
8,205.29
516.62
6.3%
Employee Cost
6,139.89
4,254.44
1,885.45
44.32%
Other Operating Expenses
2,582.02
3,950.85
-1,368.83
-34.65%
Operating Profit Before Provisions and Contingencies
6,763.76
9,592.06
-2,828.30
-29.49%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
3,351.23
1,396.64
1,954.59
139.95%
Profit Before Tax
3,412.53
8,195.42
-4,782.89
-58.36%
Tax
756.92
2,561.33
-1,804.41
-70.45%
Profit After Tax
2,655.61
5,634.09
-2,978.48
-52.87%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
2,655.61
5,634.09
-2,978.48
-52.87%
Face Value
10.00
10.00
0.00
Reserves
6,317.25
31,196.01
-24,878.76
-79.75%
Earnings per share (EPS)
1.40
5.24
-3.84
-73.28%
Diluted Earnings per share
1.40
5.24
-3.84
-73.28%
Operating Profit Margin (Excl OI)
49.80%
63.67%
0.00
-13.87%
Gross Profit Margin
14.19%
31.01%
0.00
-16.82%
PAT Margin
11.04%
21.32%
0.00
-10.28%
Net Interest Margin
3.28%
4.93%
-1.65
-1.65%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
43.90%
50.43%
-6.53
-6.53%
CASA Amount
1,25,508.00
1,40,027.00
-14,519.00
-10.37%
Capital Adequacy Ratio (Total)
17.28%
22.26%
-4.98
-4.98%
Capital Adequacy Ratio (Tier 1)
14.47%
20.11%
-5.64
-5.64%
Provision Coverage Ratio (%)
96.85%
99.09%
-2.24
-2.24%
Amount of Gross NPAs
6,794.43
8,916.84
-2,122.41
-23.8%
Amount of Net NPAs
1,216.86
643.83
573.03
89.0%
% of Net NPAs
0.57%
0.34%
0.23
0.23%
% of Gross NPAs
3.10%
4.53%
-1.43
-1.43%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
3,506.00
0.00
3,506.00
Number of Branches
3,236.00
0.00
3,236.00
Annual - Interest Earned
Interest Earned 24049.73 Cr
in Mar 2024

Figures in Rs Cr
stock-summary

YoY Growth in year ended Mar 2024 is 23.97% vs 15.96% in Mar 2023

Annual - Net Profit
Net Profit 2,655.61 Cr
in Mar 2024

Figures in Rs Cr
stock-summary

YoY Growth in year ended Mar 2024 is 26.53% vs 22.77% in Mar 2023

Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 6,763.76 Cr
in Mar 2024

Figures in Rs Cr
stock-summary

YoY Growth in year ended Mar 2024 is 13.83% vs 3.11% in Mar 2023

Annual - % of Net NPAs
% of Net NPAs 0.57%
in Mar 2024

Figures in Rs %
stock-summary

YoY Growth in year ended Mar 2024 is -1.26% vs -0.82% in Mar 2023

Annual - % of Gross NPAs
% of Gross NPAs 3.10%
in Mar 2024

Figures in Rs %
stock-summary

YoY Growth in year ended Mar 2024 is -4.34% vs -2.38% in Mar 2023

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