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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Nine Monthly Results

Results Snapshot

Figures in Rs cr

Standalone Nine Monthly Results

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Dec'19

Dec'18

Interest Earned

20,497.42

17,420.84

14,207.88

12,515.35

12,908.10

12,963.94

13,074.76

Income On Investments

5,221.86

4,406.32

4,452.80

4,210.90

4,272.77

3,809.49

3,706.84

Interest On Balances With Rbi Other Inter Bank Funds

133.49

198.85

236.05

167.40

244.16

489.49

445.03

Interest / Discount On Advances / Bills

14,924.31

12,815.67

9,519.03

7,977.43

8,391.17

8,664.96

8,797.00

Others

217.76

0.00

159.62

0.00

125.89

Other Income

3,963.97

3,178.88

2,678.78

3,499.91

3,542.65

2,264.48

3,288.89

Total Income

24,461.39

20,599.72

16,886.66

16,015.26

16,450.75

15,228.42

16,363.65

Interest Expended

12,730.17

10,354.52

8,229.11

7,813.74

8,412.80

9,192.88

9,274.64

Net Interest Income

7,767.25

7,066.32

5,978.77

4,701.61

4,495.30

3,771.06

3,800.12

Total Expenditure (Excl Depreciation)

5,661.13

5,442.56

4,597.06

3,951.88

3,866.25

3,699.03

3,186.65

Employee Cost

3,534.41

3,622.87

3,000.70

2,535.94

2,536.79

2,366.26

1,941.33

Other Operating Expenses

2,126.72

1,819.69

1,596.36

1,415.94

1,329.46

1,332.77

1,245.32

Operating Profit Before Provisions and Contingencies

6,070.09

4,802.64

4,060.49

4,249.64

4,171.70

2,336.51

3,902.36

Exceptional Items

0.00

Provisions and contingencies

3,112.84

2,583.58

2,598.13

3,070.77

3,675.64

10,817.80

6,492.48

Profit Before Tax

2,957.25

2,219.06

1,462.36

1,178.87

496.06

-8,481.29

-2,590.12

Tax

673.62

371.57

13.66

21.71

14.36

189.92

-837.40

Profit After Tax

2,283.63

1,847.49

1,448.70

1,157.16

481.70

-8,671.21

-1,752.72

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

2,283.63

1,847.49

1,448.70

1,157.16

481.70

-8,671.21

-1,752.72

Face Value

10.0

Reserves

0.00

Operating Profit Margin (Excl OI)

72.38%

68.76%

67.64%

68.42%

70.05%

71.47%

75.63%

Gross Profit Margin

0.0%

PAT Margin

11.14%

10.61%

10.2%

9.25%

3.73%

-66.89%

-13.41%

Net Interest Margin

3.33%

3.12%

3.27%

2.4%

2.45%

1.94%

2.16%

Return on Assets

0.0%

CASA (%)

43.37%

43.49%

44.5%

42.53%

40.93%

39.1%

37.26%

CASA Amount

0.00

1,20,914.00

1,14,591.00

1,05,105.00

95,830.00

85,571.00

81,351.00

Capital Adequacy Ratio (Total)

16.97%

16.8%

15.16%

15.41%

11.49%

5.53%

8.86%

Capital Adequacy Ratio (Tier 1)

14.33%

13.95%

12.66%

12.94%

8.82%

3.53%

6.73%

Provision Coverage Ratio (%)

97.07%

96.85%

91.34%

92.33%

91.91%

86.2%

64.23%

Amount of Gross NPAs

6,070.51

8,440.83

14,333.21

15,426.55

16,753.48

23,733.86

35,786.57

Amount of Net NPAs

975.91

1,302.58

4,000.35

3,586.83

3,904.92

7,087.09

17,987.92

% of Net NPAs

0.42%

0.62%

2.43%

2.63%

3.13%

5.81%

13.56%

% of Gross NPAs

2.55%

3.9%

8.19%

10.4%

12.19%

17.12%

23.76%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

3503.0

3508.0

3455.0

3270.0

3129.0

3210.0

3385.0

Number of Branches

3322.0

3226.0

3220.0

3214.0

3219.0

3270.0

3284.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2024 is 17.66% vs 22.61% in Dec 2023

Net Profit

YoY Growth in nine months ended Dec 2024 is 23.61% vs 27.53% in Dec 2023

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2024 is 26.39% vs 18.28% in Dec 2023

% of Net NPAs

YoY Growth in nine months ended Dec 2024 is -0.20% vs -1.81% in Dec 2023

% of Gross NPAs

YoY Growth in nine months ended Dec 2024 is -1.35% vs -4.29% in Dec 2023

Compare Nine Monthly Results Of I O B With

Select Peers

Figures in Rs cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

20,497.42

21,923.37

-1,425.95

-6.5%

Income On Investments

5,221.86

6,179.65

-957.79

-15.5%

Interest On Balances With Rbi Other Inter Bank Funds

133.49

282.48

-148.99

-52.74%

Interest / Discount On Advances / Bills

14,924.31

14,506.04

418.27

2.88%

Others

217.76

955.20

-737.44

-77.2%

Other Income

3,963.97

2,867.34

1,096.63

38.25%

Total Income

24,461.39

24,790.71

-329.32

-1.33%

Interest Expended

12,730.17

10,586.86

2,143.31

20.25%

Net Interest Income

7,767.25

11,336.51

-3,569.26

-31.48%

Total Expenditure (Excl Depreciation)

5,661.13

6,320.07

-658.94

-10.43%

Employee Cost

3,534.41

3,086.44

447.97

14.51%

Other Operating Expenses

2,126.72

3,233.63

-1,106.91

-34.23%

Operating Profit Before Provisions and Contingencies

6,070.09

7,883.78

-1,813.69

-23.01%

Exceptional Items

0.00

Provisions and contingencies

3,112.84

277.33

2,835.51

1022.43%

Profit Before Tax

2,957.25

7,606.45

-4,649.20

-61.12%

Tax

673.62

2,142.46

-1,468.84

-68.56%

Profit After Tax

2,283.63

5,463.99

-3,180.36

-58.21%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

2,283.63

5,463.99

-3,180.36

-58.21%

Face Value

10.00

0.00

Reserves

0.00

PAT Margin

11.14%

24.92%

0.00

-13.78%

Net Interest Margin

3.33%

5.17%

-1.84

-1.84%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

43.37%

46.35%

-2.98

-2.98%

CASA Amount

0.00

1,30,899.00

-1,30,899.00

-100.0%

Capital Adequacy Ratio (Total)

16.97%

21.98%

-5.01

-5.01%

Capital Adequacy Ratio (Tier 1)

14.33%

19.91%

-5.58

-5.58%

Provision Coverage Ratio (%)

97.07%

99.47%

-2.40

-2.40%

Amount of Gross NPAs

6,070.51

7,634.75

-1,564.24

-20.49%

Amount of Net NPAs

975.91

365.46

610.45

167.04%

% of Net NPAs

0.42%

0.18%

0.24

0.24%

% of Gross NPAs

2.55%

3.57%

-1.02

-1.02%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

3,503.00

0.00

3,503.00

Number of Branches

3,322.00

0.00

3,322.00

Nine Monthly - Interest Earned

Interest Earned 20497.42 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 17.66% vs 22.61% in Dec 2023

Nine Monthly - Net Profit

Net Profit 2,283.63 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 23.61% vs 27.53% in Dec 2023

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 6,070.09 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 26.39% vs 18.28% in Dec 2023

Nine Monthly - % of Net NPAs

% of Net NPAs 0.42%

in Dec 2024

Figures in Rs %

YoY Growth in nine months ended Dec 2024 is -0.20% vs -1.81% in Dec 2023

Nine Monthly - % of Gross NPAs

% of Gross NPAs 2.55%

in Dec 2024

Figures in Rs %

YoY Growth in nine months ended Dec 2024 is -1.35% vs -4.29% in Dec 2023