INDIAN OVERSEAS BANK
Quarterly Results Analysis [Dec2023]
INDIAN OVERSEAS BANK Quarterly Results
| Consolidated | Dec2023 UnAudited |
Sep2023 UnAudited |
Jun2023 UnAudited |
Mar2023 UnAudited |
Dec2022 UnAudited |
Sep2022 UnAudited |
Jun2022 UnAudited |
Mar2022 UnAudited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹6,180 Cr | ₹5,825 Cr | ₹5,427 Cr | ₹5,195 Cr | ₹5,057 Cr | ₹4,719 Cr | ₹4,436 Cr | ₹4,216 Cr |
| Other Income | ₹1,263 Cr | ₹1,117 Cr | ₹807 Cr | ₹1,436 Cr | ₹951 Cr | ₹1,135 Cr | ₹595 Cr | ₹1,505 Cr |
| Interest Expended | ₹3,780 Cr | ₹3,477 Cr | ₹3,102 Cr | ₹2,917 Cr | ₹2,784 Cr | ₹2,764 Cr | ₹2,681 Cr | ₹2,605 Cr |
| Expenses | ₹1,881 Cr | ₹1,785 Cr | ₹1,783 Cr | ₹1,827 Cr | ₹1,684 Cr | ₹1,597 Cr | ₹1,323 Cr | ₹1,502 Cr |
| Operating Income | ₹1,782 Cr | ₹1,680 Cr | ₹1,349 Cr | ₹1,887 Cr | ₹1,540 Cr | ₹1,493 Cr | ₹1,027 Cr | ₹1,614 Cr |
| Provisions and contingencies | ₹701 Cr | ₹1,044 Cr | ₹838 Cr | ₹996 Cr | ₹980 Cr | ₹988 Cr | ₹630 Cr | ₹1,014 Cr |
| Profit Before Tax | ₹1,080 Cr | ₹636 Cr | ₹511 Cr | ₹891 Cr | ₹560 Cr | ₹505 Cr | ₹397 Cr | ₹600 Cr |
| Profit After Tax | ₹724 Cr | ₹627 Cr | ₹504 Cr | ₹656 Cr | ₹555 Cr | ₹500 Cr | ₹393 Cr | ₹552 Cr |
| % of Net NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| % of Gross NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EPS | ₹0.00 | ₹0.33 | ₹0.27 | ₹0.35 | ₹0.00 | ₹0.26 | ₹0.21 | ₹0.29 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| INDIAN OVERSEAS BANK | -5.6% | -3.9% | 145.8% |
| STATE BANK OF INDIA | -2.4% | 6.7% | 38.3% |
| PUNJAB NATIONAL BANK | -9.4% | -7.5% | 129.4% |
| BANK OF BARODA | -5.9% | -2.5% | 40% |
| UNION BANK OF INDIA | -6.8% | -9.3% | 83% |
| CANARA BANK | -11.2% | -8.1% | 78.2% |
| INDIAN BANK | -3.1% | 1.1% | 56% |
| BANK OF INDIA | -6.4% | -3.7% | 63.1% |
| UCO BANK | -5.2% | -5% | 79.9% |
INDIAN OVERSEAS BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | 2.21 % |
| Y-o-Y | 5.59 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| Dec2023 | ₹2,400 Cr | 2.21 | |
| Sep2023 | ₹2,348 Cr | 1.00 | |
| Jun2023 | ₹2,325 Cr | 2.07 | |
| Mar2023 | ₹2,278 Cr | 0.21 | |
| Dec2022 | ₹2,273 Cr | 16.29 | |
| Sep2022 | ₹1,955 Cr | 11.38 | |
| Jun2022 | ₹1,755 Cr | 8.95 | |
| Mar2022 | ₹1,611 Cr | - | |
INDIAN OVERSEAS BANK Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | 6.06 % |
| Y-o-Y | 15.71 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| Dec2023 | ₹1,782 Cr | 6.06 | |
| Sep2023 | ₹1,680 Cr | 24.52 | |
| Jun2023 | ₹1,349 Cr | -28.52 | |
| Mar2023 | ₹1,887 Cr | 22.56 | |
| Dec2022 | ₹1,540 Cr | 3.13 | |
| Sep2022 | ₹1,493 Cr | 45.35 | |
| Jun2022 | ₹1,027 Cr | -36.35 | |
| Mar2022 | ₹1,614 Cr | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | 3.77 % |
| Y-o-Y | 9.58 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Dec2023 | 74.23% | 3.77 | |
| Sep2023 | 71.53% | 23.29 | |
| Jun2023 | 58.02% | -29.97 | |
| Mar2023 | 82.85% | 22.31 | |
| Dec2022 | 67.74% | -11.32 | |
| Sep2022 | 76.39% | 30.51 | |
| Jun2022 | 58.53% | -41.58 | |
| Mar2022 | 100.19% | - | |
INDIAN OVERSEAS BANK Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | 15.46 % |
| Y-o-Y | 30.46 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| Dec2023 | ₹724 Cr | 15.46 | |
| Sep2023 | ₹627 Cr | 24.43 | |
| Jun2023 | ₹504 Cr | -23.12 | |
| Mar2023 | ₹656 Cr | 18.12 | |
| Dec2022 | ₹555 Cr | 10.96 | |
| Sep2022 | ₹500 Cr | 27.25 | |
| Jun2022 | ₹393 Cr | -28.76 | |
| Mar2022 | ₹552 Cr | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | 8.82 % |
| Y-o-Y | 6.74 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Dec2023 | 11.72 % | 8.82 | |
| Sep2023 | 10.77 % | 15.93 | |
| Jun2023 | 9.29 % | -26.39 | |
| Mar2023 | 12.62 % | 14.94 | |
| Dec2022 | 10.98 % | 3.58 | |
| Sep2022 | 10.6 % | 19.64 | |
| Jun2022 | 8.86 % | -32.31 | |
| Mar2022 | 13.09 % | - | |
INDIAN OVERSEAS BANK Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | -100.00 % |
| Y-o-Y | 0 |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Dec2023 | ₹0 | -100.00 | |
| Sep2023 | ₹0.33 | 22.22 | |
| Jun2023 | ₹0.27 | -22.86 | |
| Mar2023 | ₹0.35 | 0 | |
| Dec2022 | ₹0 | -100.00 | |
| Sep2022 | ₹0.26 | 23.81 | |
| Jun2022 | ₹0.21 | -27.59 | |
| Mar2022 | ₹0.29 | - | |
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