INDIAN OVERSEAS BANK
Quarterly Results Analysis [Dec2024]
INDIAN OVERSEAS BANK Quarterly Results
| Consolidated | Dec2024 Audited |
Sep2024 UnAudited |
Jun2024 UnAudited |
Mar2024 Audited |
Dec2023 Audited |
Sep2023 UnAudited |
Jun2023 UnAudited |
Mar2023 UnAudited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹7,116 Cr | ₹6,854 Cr | ₹6,539 Cr | ₹6,634 Cr | ₹6,180 Cr | ₹5,825 Cr | ₹5,427 Cr | ₹5,195 Cr |
| Other Income | ₹1,299 Cr | ₹1,636 Cr | ₹1,048 Cr | ₹2,479 Cr | ₹1,263 Cr | ₹1,117 Cr | ₹807 Cr | ₹1,436 Cr |
| Interest Expended | ₹4,324 Cr | ₹4,315 Cr | ₹4,096 Cr | ₹3,868 Cr | ₹3,780 Cr | ₹3,477 Cr | ₹3,102 Cr | ₹2,917 Cr |
| Expenses | ₹1,824 Cr | ₹2,045 Cr | ₹1,800 Cr | ₹3,281 Cr | ₹1,881 Cr | ₹1,785 Cr | ₹1,783 Cr | ₹1,827 Cr |
| Operating Income | ₹2,268 Cr | ₹2,131 Cr | ₹1,692 Cr | ₹1,964 Cr | ₹1,782 Cr | ₹1,680 Cr | ₹1,349 Cr | ₹1,887 Cr |
| Provisions and contingencies | ₹1,029 Cr | ₹1,146 Cr | ₹938 Cr | ₹768 Cr | ₹701 Cr | ₹1,044 Cr | ₹838 Cr | ₹996 Cr |
| Profit Before Tax | ₹1,239 Cr | ₹984 Cr | ₹754 Cr | ₹1,196 Cr | ₹1,080 Cr | ₹636 Cr | ₹511 Cr | ₹891 Cr |
| Profit After Tax | ₹875 Cr | ₹780 Cr | ₹649 Cr | ₹810 Cr | ₹724 Cr | ₹627 Cr | ₹504 Cr | ₹656 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 | ₹0.41 | ₹0.34 | ₹0.43 | ₹0.00 | ₹0.33 | ₹0.27 | ₹0.35 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| INDIAN OVERSEAS BANK | -1.5% | -2.1% | 8.6% |
| STATE BANK OF INDIA | -0.2% | -4.7% | 21.2% |
| PUNJAB NATIONAL BANK | 1.6% | -1.9% | -6.5% |
| BANK OF BARODA | -2.9% | -7.7% | -4% |
| UNION BANK OF INDIA | 0.6% | -7.2% | -26% |
| CANARA BANK | -6% | -7.4% | 1.1% |
| INDIAN BANK | -1.2% | -3.1% | 12.9% |
| BANK OF INDIA | 10.7% | 8.5% | -21.7% |
| UCO BANK | -1.2% | 0.7% | 0.4% |
INDIAN OVERSEAS BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | 9.95 % |
| Y-o-Y | 16.32 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| Dec2024 | ₹2,792 Cr | 9.95 | |
| Sep2024 | ₹2,539 Cr | 3.93 | |
| Jun2024 | ₹2,443 Cr | -11.65 | |
| Mar2024 | ₹2,766 Cr | 15.23 | |
| Dec2023 | ₹2,400 Cr | 2.21 | |
| Sep2023 | ₹2,348 Cr | 1.00 | |
| Jun2023 | ₹2,325 Cr | 2.07 | |
| Mar2023 | ₹2,278 Cr | - | |
INDIAN OVERSEAS BANK Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | 6.43 % |
| Y-o-Y | 27.27 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| Dec2024 | ₹2,268 Cr | 6.43 | |
| Sep2024 | ₹2,131 Cr | 25.95 | |
| Jun2024 | ₹1,692 Cr | -13.84 | |
| Mar2024 | ₹1,964 Cr | 10.21 | |
| Dec2023 | ₹1,782 Cr | 6.06 | |
| Sep2023 | ₹1,680 Cr | 24.52 | |
| Jun2023 | ₹1,349 Cr | -28.52 | |
| Mar2023 | ₹1,887 Cr | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | -3.19 % |
| Y-o-Y | 9.42 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Dec2024 | 81.22% | -3.19 | |
| Sep2024 | 83.9% | 21.17 | |
| Jun2024 | 69.24% | -2.47 | |
| Mar2024 | 70.99% | -4.36 | |
| Dec2023 | 74.23% | 3.77 | |
| Sep2023 | 71.53% | 23.29 | |
| Jun2023 | 58.02% | -29.97 | |
| Mar2023 | 82.85% | - | |
INDIAN OVERSEAS BANK Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | 12.27 % |
| Y-o-Y | 20.87 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| Dec2024 | ₹875 Cr | 12.27 | |
| Sep2024 | ₹780 Cr | 20.19 | |
| Jun2024 | ₹649 Cr | -19.96 | |
| Mar2024 | ₹810 Cr | 11.91 | |
| Dec2023 | ₹724 Cr | 15.46 | |
| Sep2023 | ₹627 Cr | 24.43 | |
| Jun2023 | ₹504 Cr | -23.12 | |
| Mar2023 | ₹656 Cr | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | 8.18 % |
| Y-o-Y | 4.95 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Dec2024 | 12.3 % | 8.18 | |
| Sep2024 | 11.37 % | 14.62 | |
| Jun2024 | 9.92 % | -18.82 | |
| Mar2024 | 12.22 % | 4.27 | |
| Dec2023 | 11.72 % | 8.82 | |
| Sep2023 | 10.77 % | 15.93 | |
| Jun2023 | 9.29 % | -26.39 | |
| Mar2023 | 12.62 % | - | |
INDIAN OVERSEAS BANK Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | -100.00 % |
| Y-o-Y | 0 |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Dec2024 | ₹0 | -100.00 | |
| Sep2024 | ₹0.41 | 20.59 | |
| Jun2024 | ₹0.34 | -20.93 | |
| Mar2024 | ₹0.43 | 0 | |
| Dec2023 | ₹0 | -100.00 | |
| Sep2023 | ₹0.33 | 22.22 | |
| Jun2023 | ₹0.27 | -22.86 | |
| Mar2023 | ₹0.35 | - | |
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