Financial Ratios

INDIAN OVERSEAS BANK

NSE : IOBBSE : 532388ISIN CODE : INE565A01014Industry : Bank - PublicHouse : PSU
BSE59.983.08 (+5.41 %)
PREV CLOSE ( ) 56.90
OPEN PRICE ( ) 57.30
BID PRICE (QTY) 0.00 (0)
OFFER PRICE (QTY) 0.00 (0)
VOLUME 3409450
TODAY'S LOW / HIGH ( )57.30 61.95
52 WK LOW / HIGH ( )20.9 83.8
NSE59.953.05 (+5.36 %)
PREV CLOSE( ) 56.90
OPEN PRICE ( ) 57.30
BID PRICE (QTY) 59.95 (16328)
OFFER PRICE (QTY) 0.00 (0)
VOLUME 30823664
TODAY'S LOW / HIGH( ) 57.20 62.00
52 WK LOW / HIGH ( )20.9 83.75
Select year
ParticularsMar2023Mar2022Mar2021Mar2020Mar2019
Operational & Financial Ratios
   Earnings Per Share (Rs)1.110.900.51-5.19-4.09
   DPS(Rs)0.000.000.000.000.00
   Book NAV/Share(Rs)11.9110.718.968.4115.18
Margin Ratios
   Yield on Advances10.9011.6013.2814.3513.30
   Yield on Investments
   Cost of Liabilities3.963.934.545.305.40
   NIM2.822.262.322.362.29
   Interest Spread6.947.678.759.057.90
Performance Ratios
   ROA(%)0.680.600.31-3.34-1.50
   ROE(%)9.829.785.83-61.57-29.85
   ROCE(%)8.208.475.71-35.44-22.91
Efficiency Ratios
   Cost Income Ratio51.9448.6148.5459.2146.93
   Core Cost Income Ratio51.6752.0657.7162.6850.86
   Operating Costs to Assets2.051.822.031.971.78
Capitalisation Ratios
   Tier 1 ratio
   Tier 2 ratio
   CAR
Valuation Parameters
   PER(x)20.3120.1231.630.000.00
   PCE(x)18.0718.2824.14-1.42-3.84
   Price/Book(x)1.891.701.790.840.95
   Yield(%)0.000.000.000.000.00
   EV/Net Sales(x)3.272.241.770.981.10
   EV/Core EBITDA(x)10.676.505.084.833.84
   EV/EBIT(x)4.703.072.524.543.02
   EV/CE(x)0.200.130.110.070.08
   M Cap / Sales2.202.061.550.670.75
Growth Ratio
   Core Operating Income Growth30.807.0011.230.45-3.45
   Operating Profit Growth
   Net Profit Growth22.77105.60109.75-128.1340.66
   BVPS Growth11.1519.596.52-44.59-33.55
   Advances Growth23.4412.945.26-8.500.08
   EPS Growth(%)22.7778.79109.75-26.8868.26
Liquidity Ratios
   Loans/Deposits(x)
   Cash / Deposits(x)0.070.090.050.010.05
   Investment / Deposits(x)0.360.370.400.360.30
   IncLoan / Deposits(x)7.971.171.532.432.76
   Credit/Deposits(%)
   Total Debt/Mcap(x)
   Net NPAs (funded) to Net Advances (%)1.832.653.585.4410.81

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RISK DISCLOSURES ON DERIVATIVES

  • 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
  • On an average, loss makers registered net trading loss close to ₹ 50,000.
  • Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
  • Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.

Source:

1. SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.