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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Quarterly Results

Results Snapshot

YoYQoQ

Figures in Rs cr

Standalone Quarterly Results

Dec'24

Sep'24

Jun'24

Mar'24

Dec'23

Sep'23

Jun'23

Interest Earned

7,111.72

6,850.67

6,535.03

6,628.89

6,175.51

5,821.02

5,424.31

Income On Investments

1,808.39

1,753.77

1,659.70

1,539.46

1,519.21

1,460.53

1,426.58

Interest On Balances With Rbi Other Inter Bank Funds

46.51

42.02

44.96

29.89

42.11

72.37

84.37

Interest / Discount On Advances / Bills

5,039.06

5,054.88

4,830.37

4,759.93

4,614.19

4,288.12

3,913.36

Others

217.76

0.00

299.61

0.00

Other Income

1,297.53

1,633.47

1,032.97

2,477.37

1,261.66

1,114.19

803.03

Total Income

8,409.25

8,484.14

7,568.00

9,106.26

7,437.17

6,935.21

6,227.34

Interest Expended

4,322.78

4,313.43

4,093.96

3,865.81

3,777.87

3,475.15

3,101.50

Net Interest Income

2,788.94

2,537.24

2,441.07

2,763.08

2,397.64

2,345.87

2,322.81

Total Expenditure (Excl Depreciation)

1,820.46

2,042.49

1,798.18

3,279.34

1,879.10

1,782.94

1,780.52

Employee Cost

1,069.05

1,340.92

1,124.44

2,517.01

1,269.21

1,138.20

1,215.47

Other Operating Expenses

751.41

701.57

673.74

762.33

609.89

644.74

565.05

Operating Profit Before Provisions and Contingencies

2,266.01

2,128.22

1,675.86

1,961.11

1,780.20

1,677.12

1,345.32

Exceptional Items

0.00

Provisions and contingencies

1,028.64

1,146.33

937.87

767.66

701.42

1,044.20

837.96

Profit Before Tax

1,237.37

981.89

737.99

1,193.45

1,078.78

632.92

507.36

Tax

363.71

204.73

105.18

385.35

356.22

8.34

7.01

Profit After Tax

873.66

777.16

632.81

808.10

722.56

624.58

500.35

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

873.66

777.16

632.81

808.10

722.56

624.58

500.35

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

0.46

0.41

0.33

0.43

0.38

0.33

0.26

Diluted Earnings per share

0.46

0.42

0.33

0.43

0.38

0.33

0.26

Operating Profit Margin (Excl OI)

59.94%

53.45%

58.13%

38.95%

58.21%

51.43%

51.73%

Gross Profit Margin

17.4%

14.33%

11.29%

18.0%

17.47%

10.87%

9.35%

PAT Margin

12.28%

11.34%

9.68%

12.19%

11.7%

10.73%

9.22%

Net Interest Margin

3.33%

3.08%

3.06%

3.53%

3.12%

3.21%

Return on Assets

0.0%

CASA (%)

43.37%

42.44%

42.17%

43.9%

43.49%

43.65%

44.14%

CASA Amount

0.00

1,25,508.00

1,20,914.00

1,19,206.00

1,16,694.00

Capital Adequacy Ratio (Total)

16.97%

17.45%

17.82%

17.28%

16.8%

17.0%

16.56%

Capital Adequacy Ratio (Tier 1)

14.33%

14.75%

14.99%

14.47%

13.95%

13.81%

13.34%

Provision Coverage Ratio (%)

97.07%

97.06%

96.96%

96.85%

96.76%

94.03%

Amount of Gross NPAs

6,070.51

6,249.07

6,648.71

6,794.43

8,440.83

9,893.30

13,628.98

Amount of Net NPAs

975.91

1,059.25

1,153.51

1,216.86

1,302.58

1,364.34

2,589.97

% of Net NPAs

0.42%

0.47%

0.51%

0.57%

0.62%

0.68%

1.44%

% of Gross NPAs

2.55%

2.72%

2.89%

3.1%

3.9%

4.74%

7.13%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

3503.0

3501.0

3505.0

3506.0

3508.0

3515.0

3495.0

Number of Branches

3322.0

3269.0

3250.0

3236.0

3226.0

3223.0

3222.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2024 is 3.81% vs 4.83% in Sep 2024

Net Profit

QoQ Growth in quarter ended Dec 2024 is 12.42% vs 22.81% in Sep 2024

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2024 is 6.47% vs 26.99% in Sep 2024

% of Net NPAs

QoQ Growth in quarter ended Dec 2024 is -0.05% vs -0.04% in Sep 2024

% of Gross NPAs

QoQ Growth in quarter ended Dec 2024 is -0.17% vs -0.17% in Sep 2024

Compare Quarterly Results Of I O B With

Select Peers

Figures in Rs cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

7,111.72

7,815.57

-703.85

-9.01%

Income On Investments

1,808.39

2,062.49

-254.10

-12.32%

Interest On Balances With Rbi Other Inter Bank Funds

46.51

80.04

-33.53

-41.89%

Interest / Discount On Advances / Bills

5,039.06

4,824.49

214.57

4.45%

Others

217.76

848.55

-630.79

-74.34%

Other Income

1,297.53

749.35

548.18

73.15%

Total Income

8,409.25

8,564.92

-155.67

-1.82%

Interest Expended

4,322.78

3,587.35

735.43

20.5%

Net Interest Income

2,788.94

4,228.22

-1,439.28

-34.04%

Total Expenditure (Excl Depreciation)

1,820.46

2,175.65

-355.19

-16.33%

Employee Cost

1,069.05

1,037.85

31.20

3.01%

Other Operating Expenses

751.41

1,137.80

-386.39

-33.96%

Operating Profit Before Provisions and Contingencies

2,266.01

2,801.92

-535.91

-19.13%

Exceptional Items

0.00

Provisions and contingencies

1,028.64

165.60

863.04

521.16%

Profit Before Tax

1,237.37

2,636.32

-1,398.95

-53.06%

Tax

363.71

728.05

-364.34

-50.04%

Profit After Tax

873.66

1,908.27

-1,034.61

-54.22%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

873.66

1,908.27

-1,034.61

-54.22%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

0.46

1.77

-1.31

-74.01%

Diluted Earnings per share

0.46

1.77

-1.31

-74.01%

Operating Profit Margin (Excl OI)

59.94%

70.04%

0.00

-10.10%

Gross Profit Margin

17.40%

33.73%

0.00

-16.33%

PAT Margin

12.28%

24.42%

0.00

-12.14%

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

Quarterly - Interest Earned

Interest Earned 7111.72 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 3.81% vs 4.83% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 15.16% vs 22.15% in Dec 2023

Quarterly - Net Profit

Net Profit 873.66 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 12.42% vs 22.81% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 20.91% vs 30.15% in Dec 2023

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 2,266.01 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 6.47% vs 26.99% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 27.29% vs 15.60% in Dec 2023

Quarterly - % of Net NPAs

% of Net NPAs 0.42%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is -0.05% vs -0.04% in Sep 2024

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

Quarterly - % of Gross NPAs

% of Gross NPAs 2.55%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is -0.17% vs -0.17% in Sep 2024

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