Indian Overseas Bank (IOB IN) - Adj Highlights

In Millions of INR FY 2016 FY 2017 FY 2018 FY 2019 FY 2020

12 Months Ending 03/31/2016 03/31/2017 03/31/2018 03/31/2019 03/31/2020
Market Capitalization 42,269.2 65,418.5 85,343.9 132,096.8 115,880.8
Book Value of Equity 156,658.2 137,445.5 132,739.8 163,598.8 161,549.8
Total Deposits 2,245,142.4 2,113,426.3 2,168,318.1 2,225,340.8 2,229,518.8
Total Loans 1,706,040.5 1,546,085.9 1,498,225.9 1,512,448.6 1,343,168.9
Total Assets 2,744,367.6 2,471,674.9 2,479,680.3 2,500,083.6 2,607,268.3

Net Revenue, Adj 79,109.5 85,609.8 92,122.2 93,848.8 86,568.8

Growth %, YoY 5.2 8.2 7.6 1.9 -7.8
Prof Bef Prov, Adj 28,854.6 36,489.7 36,272.9 49,332.9 35,280.5
Margin % 36.5 42.6 39.4 52.6 40.8
Operating Income, Adj -28,973.3 -34,179.8 -63,012.8 -38,384.6 -85,330.4
Margin % -36.6 -39.9 -68.4 -40.9 -98.6
Net Income, Adj -28,981.4 -34,176.0 -63,007.5 -38,082.9 -85,313.5
Margin % -36.6 -39.9 -68.4 -40.6 -98.5
EPS, Adj -19.86 -15.79 -23.26 -6.96 -7.99
Growth %, YoY -439.2 20.5 -47.3 70.1 -14.9

Tier 1 Common Eqty % 7.10 7.58 6.39 7.82 8.21

Tier 1 Capital Ratio % 7.75 8.21 7.17 7.85 8.21
Total Capital Ratio % 9.66 10.50 9.25 10.21 10.72
Source: Bloomberg Right click to show data transparency (not supported for all values)
 FY 2021 FY 2022 FY 2023 FY 2024 Current/LTM
03/31/2021 03/31/2022 03/31/2023 03/31/2024 12/31/2024
252,046.4 330,662.6 424,359.2 1,133,199.5 925,840.2
169,448.1 232,241.8 248,760.4 275,614.5 289,248.3
2,402,883.0 2,622,137.6 2,609,735.9 2,861,214.8 3,051,214.4
1,391,507.4 1,442,535.6 1,780,676.8 2,133,301.3 2,325,167.3
2,740,103.5 2,996,564.1 3,134,499.0 3,518,693.2 3,860,804.3

114,560.3 112,204.9 123,755.5 155,022.6 170,035.5

32.3 -2.1 10.3 25.3 21.7
58,943.1 58,312.1 61,951.8 75,286.4 80,535.2
51.5 52.0 50.1 48.6 47.4
8,299.8 17,777.6 23,518.6 34,203.6 41,731.3
7.2 15.8 19.0 22.1 24.5
8,304.3 17,084.3 21,028.8 26,641.1 31,139.7
7.2 15.2 17.0 17.2 18.3
0.51 0.92 1.11 1.41 1.64
— 82.9 20.4 26.7 22.0

12.91 10.71 12.88 14.47

12.91 10.71 12.88 14.47
15.32 13.83 16.10 17.28
Indian Overseas Bank (IOB IN) - Adjusted
In Millions of INR except Per Share FY 2016 FY 2017 FY 2018 FY 2019
12 Months Ending 03/31/2016 03/31/2017 03/31/2018 03/31/2019
Net Revenue 79,109.5 85,609.8 92,122.2 93,848.8
+ Net Interest Income 53,826.9 51,895.8 54,675.7 52,791.3
+ Total Interest Income 235,172.9 197,186.0 179,152.1 176,312.6
+ Interest Income 235,172.9 145,091.2 131,181.7 127,089.8
+ Investment Income — 52,094.8 47,970.4 49,222.8
- Total Interest Expense 181,346.0 145,290.2 124,476.4 123,521.3
+ Adjusted Total Non-Interest Income 25,282.6 33,714.0 37,446.4 41,057.4
+ Trading Securities G/L 0.0 11,937.6 10,449.0 12,570.1
+ Trading Account Profits/Losses 0.0 11,937.6 10,449.0 12,570.1
+ Investment & Loan Inc (Loss) 0.0 0.0 0.0 0.0
+ Other Income (Loss) 0.0 0.0 0.0 0.0
+ Commissions & Fees Earned 0.0 9,499.9 10,221.2 9,768.7
+ Other Operating Income (Losses) 25,282.6 12,276.4 16,776.2 18,718.6
- Provision for Loan Losses 57,827.8 70,669.4 99,285.8 87,717.5
Net Revenue after Provisions 21,281.7 14,940.4 -7,163.6 6,131.2
- Total Non-Interest Expense 50,255.0 49,120.1 55,849.3 44,515.8
+ Commissions & Fees Paid 0.0 0.0 0.0 0.0
+ Other Operating Expenses 50,255.0 49,120.1 55,849.3 44,515.8
Operating Income (Loss) -28,973.3 -34,179.8 -63,012.8 -38,384.6
- Non-Operating (Income) Loss 12.5 0.0 0.0 0.0
+ (Income) Loss from Affiliates — — — —
+ Other Non-Op (Income) Loss 12.5 0.0 0.0 0.0
Pretax Income (Loss), Adjusted -28,985.7 -34,179.8 -63,012.8 -38,384.6
- Abnormal Losses (Gains) -12.5 -12.4 -17.9 -1,005.8
+ Disposal of Assets -12.5 -12.4 -17.9 -1,005.8
Pretax Income (Loss), GAAP -28,973.3 -34,167.4 -62,994.9 -37,378.8
- Income Tax Expense (Benefit) 0.0 0.0 0.0 0.0
+ Current Income Tax 0.0 0.0 — —
+ Deferred Income Tax 0.0 0.0 — —
Income (Loss) from Cont Ops -28,973.3 -34,167.4 -62,994.9 -37,378.8
- Net Extraordinary Losses (Gains) 0.0 0.0 0.0 0.0
+ Discontinued Operations 0.0 0.0 0.0 0.0
+ XO & Accounting Changes 0.0 0.0 0.0 0.0
Income (Loss) Incl. MI -28,973.3 -34,167.4 -62,994.9 -37,378.8
- Minority Interest 0.0 0.0 0.0 0.0
Net Income, GAAP -28,973.3 -34,167.4 -62,994.9 -37,378.8
- Preferred Dividends 0.0 0.0 0.0 0.0
- Other Adjustments 0.0 0.0 0.0 0.0
Net Income Avail to Common, GAAP -28,973.3 -34,167.4 -62,994.9 -37,378.8
Net Income Avail to Common, Adj -28,981.4 -34,176.0 -63,007.5 -38,082.9
Net Abnormal Losses (Gains) -8.2 -8.7 -12.6 -704.0
Net Extraordinary Losses (Gains) 0.0 0.0 0.0 0.0

Basic Weighted Avg Shares 1,459.0 2,164.6 2,709.2 5,474.9

Basic EPS, GAAP -19.86 -15.78 -23.25 -6.83
Basic EPS from Cont Ops, GAAP -19.86 -15.78 -23.25 -6.83
Basic EPS from Cont Ops, Adjusted -19.86 -15.79 -23.26 -6.96

Diluted Weighted Avg Shares 1,459.0 2,164.6 2,709.2 5,474.9

Diluted EPS, GAAP -19.86 -15.78 -23.25 -6.83
Diluted EPS from Cont Ops, GAAP -19.86 -15.78 -23.25 -6.83
Diluted EPS from Cont Ops, Adjusted -19.86 -15.79 -23.26 -6.96

Reference Items
Accounting Standard IN GAAP IN GAAP IN GAAP IN GAAP
Net Interest Income Less Provisions -4,000.9 -18,773.6 -44,610.0 -34,926.2
Net Revenue - Net of Commissions Paid 79,109.5 85,622.2 92,140.1 94,854.5
Total Revenue 260,455.5 230,912.3 216,616.5 218,375.8
Operating Margin -36.62 -39.93 -68.40 -40.90
Pretax Margin -36.64 -39.93 -68.40 -40.90
Profit Margin -36.63 -39.92 -68.40 -40.58
T12 Net Interest Margin 2.04 2.09 2.32 2.24
Sales per Employee 8,178,594.45 7,747,176.47 7,754,026.78 8,286,249.56
Dividends per Share 0.00 0.00 0.00 0.00
Total Cash Common Dividends 0.0 0.0 0.0 0.0
Pre-Tax Pre-Provision Profit 28,854.6 36,489.7 36,272.9 49,332.9
Efficiency Ratio 63.53 57.38 60.63 47.43
Actual Loan Losses (Net) — — — —
Reinvested Earnings -28,981.4 -34,176.0 -63,007.5 -38,082.9
Source: Bloomberg Right click to show data transparency (not supported for all values)
 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 Last 12M
03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024 12/31/2024
86,568.8 114,560.3 112,204.9 123,755.5 155,022.6 170,035.5
53,028.4 58,985.1 63,163.6 82,606.8 98,391.7 103,227.4
174,061.1 169,655.3 167,358.4 194,069.7 240,656.7 269,245.7
121,981.7 112,538.5 110,600.2 135,566.6 181,139.7 201,574.6
52,079.5 57,116.8 56,758.2 58,503.1 59,517.0 67,671.1
121,032.8 110,670.2 104,194.9 111,462.9 142,265.0 166,018.3
33,540.5 55,575.3 49,041.3 41,148.6 56,630.9 66,808.1
10,243.5 24,231.1 16,406.2 5,002.4 12,159.1 0.0
10,243.5 24,231.1 8,984.8 5,647.0 1,930.5 0.0
0.0 0.0 7,421.4 -644.6 10,228.6 0.0
0.0 0.0 0.0 0.0 0.0 0.0
8,864.1 9,485.3 10,398.4 12,210.0 13,307.5
14,432.9 21,858.9 22,236.7 23,936.2 31,164.2 66,808.1
120,610.8 50,643.4 40,534.4 38,433.3 41,082.8 38,803.9
-34,042.0 63,917.0 71,670.5 85,322.2 113,939.8 131,231.6
51,288.3 55,617.2 53,892.8 61,803.6 79,736.2 89,500.3
0.0 0.0 0.0 0.0 0.0
51,288.3 55,617.2 53,892.8 61,803.6 79,736.2 89,500.3
-85,330.4 8,299.8 17,777.6 23,518.6 34,203.6 41,731.3
0.0 0.0 0.0 0.0 0.0 0.0
0.0 — 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
-85,330.4 8,299.8 17,777.6 23,518.6 34,203.6 41,731.3
-56.3 -14.9 -12.0 -15.8 -22.1 0.0
-56.3 -14.9 -12.0 -15.8 -22.1
-85,274.0 8,314.7 17,789.6 23,534.4 34,225.7 41,731.3
0.0 0.0 696.9 2,494.5 7,569.1 10,591.6
0.0 0.0 318.8 206.0 226.7
0.0 0.0 378.1 2,288.5 7,342.4
-85,274.0 8,314.7 17,092.7 21,039.9 26,656.6 31,139.7
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
-85,274.0 8,314.7 17,092.7 21,039.9 26,656.6 31,139.7
0.0 0.0 0.0 0.0 0.0 0.0
-85,274.0 8,314.7 17,092.7 21,039.9 26,656.6 31,139.7
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
-85,274.0 8,314.7 17,092.7 21,039.9 26,656.6 31,139.7
 -85,313.5 8,304.3 17,084.3 21,028.8 26,641.1 31,139.7
-39.4 -10.4 -8.4 -11.1 -15.5 0.0
0.0 0.0 0.0 0.0 0.0 0.0

10,675.6 16,437.0 18,483.6 18,902.4 18,902.4 18,902.4

-7.99 0.51 0.92 1.11 1.40 1.64
-7.99 0.51 0.92 1.11 1.40 1.64
-7.99 0.51 0.92 1.11 1.41 1.64

10,675.6 16,437.0 18,483.6 18,902.4 18,902.4 18,902.4

-7.99 0.51 0.92 1.11 1.40 1.64
-7.99 0.51 0.92 1.11 1.40 1.64
-7.99 0.51 0.92 1.11 1.41 1.64

IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP

-67,582.5 8,341.7 22,629.1 44,173.6 57,308.9 64,423.5
86,625.2 114,575.3 112,216.9 123,771.3 155,044.7 170,035.5
207,657.9 225,245.5 216,411.7 235,234.2 297,309.7 336,053.8
-98.57 7.24 15.84 19.00 22.06 24.54
-98.57 7.24 15.84 19.00 22.06 24.54
-98.55 7.25 15.23 16.99 17.19 18.31
2.24 2.42 2.45 3.07 3.34
8,346,379.18 9,552,801.60 9,674,627.74 ### ###
0.00 0.00 0.00 0.00 0.00 0.00
0.0 0.0 0.0 0.0 0.0 0.0
35,280.5 58,943.1 58,312.1 61,951.8 75,286.4 80,535.2
59.25 48.55 48.03 49.94 51.44 44.58
0.0 0.0 0.0 0.0 0.0
-85,313.5 8,304.3 17,084.3 21,028.8 26,641.1 31,139.7
orted for all values)
Indian Overseas Bank (IOB IN) - Standardized
In Millions of INR except Per Share FY 2015 FY 2016 FY 2017 FY 2018
12 Months Ending 03/31/2015 03/31/2016 03/31/2017 03/31/2018
Total Assets
+ Cash & Cash Equivalents 126,377.7 140,334.9 114,999.7 115,794.5
+ Interbanking Assets 122,607.7 82,127.4 117,230.7 149,655.4
+ Other Interbank Assets 122,607.7 82,127.4 117,230.7 149,655.4
+ ST And LT Investments 813,103.5 791,895.5 713,496.2 684,524.9
+ Other Investments 813,103.5 791,895.5 713,496.2 684,524.9
+ Total Loans 1,768,651.4 1,706,040.5 1,546,085.9 1,498,225.9
- Reserve for Loan Losses 51,091.2 97,433.8 141,499.7 173,337.8
+ Net Loans 1,717,560.2 1,608,606.7 1,404,586.2 1,324,888.1
+ Net Fixed Assets 25,070.6 32,704.6 30,543.3 28,934.3
+ Property, Plant & Equip 25,070.6 32,704.6 30,543.3 28,934.3
+ Total Intangible Assets 0.0 0.0 0.0 0.0
+ Goodwill 0.0 0.0 0.0 0.0
+ Other Intangible Assets 0.0 0.0 0.0 0.0
+ Investments in Associates — — 1,995.8 1,934.4
+ Customer Acceptances & Liab 0.0 0.0 0.0 0.0
+ Other Assets 51,650.0 88,698.4 88,823.1 173,948.5
Total Assets 2,856,369.8 2,744,367.6 2,471,674.9 2,479,680.3

Liabilities & Shareholders' Equity

+ Demand Deposits 146,403.3 120,818.2 130,369.9 129,355.3
+ Interest Bearing Deposits 2,314,083.9 2,124,324.2 1,983,056.4 2,038,962.8
+ Saving Deposits 471,011.6 524,036.0 632,315.7 667,423.2
+ Time Deposits 1,843,072.3 1,600,288.2 1,350,740.7 1,371,539.6
+ Other Deposits 0.0 0.0 0.0 0.0
+ Total Deposits 2,460,487.2 2,245,142.4 2,113,426.3 2,168,318.1
+ ST Borrowings & Repos 100,813.8 96,943.3 6,243.9 6,028.7
+ ST Lease Liabilities 0.0 0.0 0.0 0.0
+ ST Finance Leases 0.0 0.0 0.0 0.0
+ ST Borrowings 100,813.8 96,943.3 6,243.9 6,028.7
+ LT Debt 81,510.3 174,889.8 160,976.7 92,280.8
+ LT Lease Liabilities 0.0 0.0 0.0 0.0
+ LT Finance Leases 0.0 0.0 0.0 0.0
+ LT Borrowings 81,510.3 174,889.8 160,976.7 92,280.8
+ Pension Liabilities 0.0 — — —
+ Pensions 0.0 — — —
+ Other Post-Ret Benefits 0.0 — — —
+ Other Liabilities 57,148.3 70,734.0 53,582.5 80,312.8
Total Liabilities 2,699,959.7 2,587,709.5 2,334,229.4 2,346,940.5
+ Preferred Equity and Hybrid Capital 0.0 0.0 0.0 0.0
 + Share Capital & APIC 12,353.5 18,072.7 24,547.3 89,198.5
+ Common Stock 12,353.5 18,072.7 24,547.3 48,907.7
+ Additional Paid in Capital — — — 40,290.8
- Treasury Stock 0.0 0.0 0.0 0.0
+ Retained Earnings 25,722.8 30,621.2 -40,168.3 -34,115.8
+ Other Equity 118,333.9 107,964.3 153,066.5 77,657.2
Equity before Minority Interest 156,410.2 156,658.2 137,445.5 132,739.8
+ Minority/Non Controlling Interest 0.0 0.0 0.0 0.0
Total Equity 156,410.2 156,658.2 137,445.5 132,739.8
Total Liabilities & Equity 2,856,369.8 2,744,367.6 2,471,674.9 2,479,680.3

Reference Items
Accounting Standard IN GAAP IN GAAP IN GAAP IN GAAP
Shares Outstanding 1,235.3 1,397.3 2,454.7 4,890.8
Number of Treasury Shares 0.0 0.0 0.0 0.0
Pension Obligations 0.0 0.0 0.0 0.0
Future Minimum Operating Lease Obligation 0.0 0.0 0.0 0.0
Total Capital Leases 0.0 0.0 0.0 0.0
Percent Of Foreign Ownership 2.04 1.20 1.31 0.68
Number Of Shareholders 247,720.00 252,049.00 254,396.00 255,541.00
Options Granted During Period 0.0 0.0 0.0 —
Options Outstanding at Period End 0.0 0.0 0.0 —
Book Value per Share 126.61 112.11 55.99 27.14
Tier 1 Capital Ratio 7.30 7.75 8.21 7.17
Net Debt -66,661.4 49,370.7 -65,009.7 -167,140.4
Tangible Common Equity Ratio 5.48 5.71 5.56 5.35
Tangible Common Equity to Risk-Weighted 8.05 8.07 8.13 9.84
Total Risk-Based Capital Ratio 10.11 9.66 10.50 9.25
Real Estate Loans — — — 241,200.2
Earning Assets 2,704,362.6 2,580,063.4 2,376,812.7 2,332,406.3
Non-Performing Assets 149,224.5 300,490.0 350,982.5 381,801.5
Off-Balance Sheet Commitments 835,625.2 758,587.4 683,268.7 675,837.8
Number of Employees 31,947.00 31,846.00 29,806.00 27,936.00
Source: Bloomberg Right click to show data transparency (not supported for all values)
 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
03/31/2019 03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024

102,925.3 31,552.2 121,882.5 167,066.5 171,501.8 169,055.4

205,989.7 209,054.3 185,880.8 202,446.1 36,706.5 19,093.6
205,989.7 209,054.3 185,880.8 202,446.1 36,706.5 19,093.6
667,388.3 792,226.4 953,007.8 980,737.8 936,425.2 991,939.2
667,388.3 792,226.4 953,007.8 980,737.8 936,425.2 991,939.2
1,512,448.6 1,343,168.9 1,391,507.4 1,442,535.6 1,780,676.8 2,133,301.3
186,472.3 129,834.8 114,300.9 — — —
1,325,976.3 1,213,334.1 1,277,206.5 1,442,535.6 1,780,676.8 2,133,301.3
33,369.0 31,273.4 29,187.8 33,660.4 37,107.4 37,401.9
33,369.0 31,273.4 29,187.8 33,660.4 37,107.4 37,401.9
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
1,934.4 1,934.4 1,934.4 1,934.4 0.0 0.0
0.0 0.0 0.0 — — 0.0
162,500.5 327,893.5 171,003.6 168,183.3 172,081.3 167,901.9
2,500,083.6 2,607,268.3 2,740,103.5 2,996,564.1 3,134,499.0 3,518,693.2

145,751.2 141,793.3 162,068.3 173,897.8 166,835.7 229,354.7

2,079,589.5 2,087,725.5 2,240,814.7 2,448,239.9 2,442,900.2 2,631,860.1
706,522.2 755,715.3 859,581.5 965,012.0 974,428.0 1,025,894.1
1,373,067.3 1,332,010.3 1,381,233.2 1,483,227.9 1,468,472.2 1,605,966.0
0.0 0.0 0.0 0.0 0.0 0.0
2,225,340.8 2,229,518.8 2,402,883.0 2,622,137.6 2,609,735.9 2,861,214.8
5,479.4 5,473.0 6,592.6 7,007.7 8,187.9 8,117.3
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
5,479.4 5,473.0 6,592.6 7,007.7 8,187.9 8,117.3
61,460.4 54,197.3 36,715.8 30,706.4 208,037.7 303,871.7
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
61,460.4 54,197.3 36,715.8 30,706.4 208,037.7 303,871.7
— — — 0.0 0.0 0.0
— — — 0.0 0.0 0.0
— — — 0.0 0.0 0.0
44,204.3 156,529.4 124,464.1 104,470.5 59,777.1 69,874.9
2,336,484.8 2,445,718.6 2,570,655.4 2,764,322.2 2,885,738.6 3,243,078.7
0.0 0.0 0.0 0.0 0.0 0.0
 151,433.1 233,603.1 233,603.1 276,663.9 274,603.1 274,603.1
91,416.5 164,369.9 164,369.9 191,084.9 189,024.1 189,024.1
60,016.7 69,233.3 69,233.3 85,579.0 85,579.0 85,579.0
0.0 0.0 0.0 0.0 0.0 0.0
-73,489.5 -160,503.5 -158,870.9 -144,392.9 -123,677.2 -97,233.0
85,655.1 88,450.1 94,715.8 99,970.8 97,834.5 98,244.3
163,598.8 161,549.8 169,448.1 232,241.8 248,760.4 275,614.5
0.0 0.0 0.0 0.0 0.0 0.0
163,598.8 161,549.8 169,448.1 232,241.8 248,760.4 275,614.5
2,500,083.6 2,607,268.3 2,740,103.5 2,996,564.1 3,134,499.0 3,518,693.2

IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP

9,141.6 16,437.0 15,752.9 18,218.3 18,902.4 18,902.4
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
0.35 0.23 0.12 0.13 0.15 0.10
271,947.00 279,955.00 378,616.00 473,902.00 510,161.00 1,023,203.00
— — — — — —
— — — — — —
17.90 9.83 10.76 12.75 13.16 14.58
7.85 8.21 12.91 10.71 12.88 14.47
-241,975.2 -180,936.2 -264,455.0 -331,798.5 8,017.3 123,840.0
6.54 6.20 6.18 7.75 7.94 7.83
13.35 14.22 15.13 20.01 19.14 19.14
10.21 10.72 15.32 13.83 16.10 17.28
244,024.8 253,523.8 228,207.6 — — —
2,385,826.6 2,344,449.6 2,530,396.1 2,625,719.4 2,753,808.5 3,144,334.1
333,981.2 199,127.0 163,231.8 — — 67,944.3
566,486.1 710,264.3 682,722.4 980,110.6 1,961,314.5 1,957,421.6
26,354.00 24,880.00 23,579.00 22,369.00 22,052.00 21,475.00
orted for all values)
Indian Overseas Bank (IOB IN) - Standardized
In Millions of INR except Per Share FY 2016 FY 2017 FY 2018 FY 2019
12 Months Ending 03/31/2016 03/31/2017 03/31/2018 03/31/2019
Cash from Operating Activities
+ Net Income -28,973.3 -34,167.4 -62,994.9 -37,378.8
+ Depreciation & Amortization 3,003.5 3,077.5 3,410.9 2,380.4
+ Provision for Loan Losses 64,934.9 69,571.4 113,613.0 97,326.5
+ Non-Cash Items 5,984.1 -5,064.1 -26,021.3 -14,035.1
+ Gain on Sale of Secs & Loans 332.8 961.4 10,984.1 8,846.3
+ Other Non-Cash Adjustments 5,651.3 -6,025.5 -37,005.4 -22,881.4
+ Net Ch in Operating Capital -10,180.5 -48,662.1 -68,056.5 -18,497.7
+ Other Op Assets/Liab -10,180.5 -48,662.1 -68,056.5 -18,497.7
+ Net Cash From Disc Ops 0.0 0.0 0.0 —
Cash from Operating Activities 34,768.7 -15,244.7 -40,048.8 29,795.3

Cash from Investing Activities

+ Net Change in Fixed Assets -2,535.6 -1,348.6 -1,097.8 -6,471.4
+ Disposal of Fixed Assets 9,977.3 69.8 66.8 2,007.5
+ Capital Expenditures/Prop Add -12,512.8 -1,418.4 -1,164.6 -8,478.8
+ Net Change in Investments 19,836.5 0.0 0.0 0.0
+ Decrease in Investments 19,836.5 0.0 0.0 0.0
+ Dec in HTM Investments 0.0 0.0 0.0 0.0
+ Dec in AFS Investments 0.0 0.0 0.0 0.0
+ Dec in Other Investments 19,836.5 0.0 0.0 0.0
+ Increase in Investments 0.0 0.0 0.0 0.0
+ Inc in HTM Investments 0.0 0.0 0.0 0.0
+ Inc in AFS Investments 0.0 0.0 0.0 0.0
+ Inc in Other Investments 0.0 0.0 0.0 0.0
+ Net Ch in Loans & Interbank 41,523.9 136,248.0 -38,465.7 -99,116.2
+ Net Ch in Customer Loans 41,523.9 136,248.0 -38,465.7 -99,116.2
+ Net Ch in Interbank Assets 0.0 0.0 0.0 0.0
+ Net Ch in Loans 0.0 0.0 0.0 0.0
+ Net Cash from Acq & Div 0.0 0.0 0.0 0.0
+ Cash from Divestitures 0.0 0.0 0.0 0.0
+ Cash for Acq of Subs 0.0 0.0 0.0 0.0
+ Cash for JVs 0.0 0.0 0.0 0.0
+ Other Investing Activities 0.0 0.0 0.0 0.0
+ Net Cash From Disc Ops 0.0 0.0 0.0 0.0
Cash from Investing Activities 58,824.8 134,899.4 -39,563.5 -105,587.6

Cash from Financing Activities

+ Dividends Paid 0.0 0.0 0.0 0.0
+ Cash From (Repayment) Debt 98,009.0 0.0 0.0 0.0
 + Cash From (Repay) ST Debt — 0.0 0.0 0.0
+ Net Ch in Interbank Trans — 0.0 0.0 0.0
+ Cash From LT Debt — 0.0 0.0 0.0
+ Repayments of LT Debt — 0.0 0.0 0.0
+ Cash (Repurchase) of Equity 5,719.2 18,129.4 57,940.0 62,234.7
+ Increase in Capital Stock 5,719.2 18,129.4 57,940.0 62,234.7
+ Decrease in Capital Stock 0.0 0.0 0.0 0.0
+ Net Change In Deposits -215,344.8 -131,716.1 54,891.8 57,022.7
+ Other Financing Activities -8,500.0 3,700.0 0.0 0.0
+ Net Cash From Disc Ops 0.0 0.0 0.0 0.0
Cash from Financing Activities -120,116.7 -109,886.7 112,831.8 119,257.3

Effect of Foreign Exchange Rates — — — —

Net Changes in Cash -26,523.1 9,768.0 33,219.6 43,465.1

Cash Paid for Taxes 3,361.9 4,334.2 13,776.4 9,161.5

Cash Paid for Interest 5,691.3 5,663.4 3,637.1 4,439.6

Reference Items
Free Cash Flow to Equity 130,242.2 -16,593.3 -41,146.6 23,323.9
Source: Bloomberg Right click to show data transparency (not supported for all values)
 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 Last 12M
03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024 12/31/2024

-85,274.0 8,314.7 17,092.7 21,039.9 26,656.6 31,139.7

3,006.1 2,580.0 1,725.6 2,604.2 3,363.7
112,878.2 51,148.7 36,070.5 38,008.3 27,156.7 38,803.9
4,692.0 -3,046.7 209.5 -1,476.2 1,192.5
6,813.5 -1,090.5 4,455.3 6,575.2 -1,129.1
-2,121.5 -1,956.2 -4,245.9 -8,051.5 2,321.6
-185,004.8 -82,790.0 -20,353.9 161,988.6 56,466.4
-185,004.8 -82,790.0 -20,353.9 161,988.6 56,466.4
— 0.0 0.0 0.0 0.0
-149,702.5 -23,793.4 34,744.4 222,164.8 114,835.9

-854.1 -479.4 -492.9 -5,596.4 -3,592.9

436.2 187.1 69.4 227.3 59.7
-1,290.3 -666.6 -562.3 -5,823.6 -3,652.6
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
1,900.2 -103,264.6 -199,823.1 -367,471.0 -379,781.2
1,900.2 -103,264.6 -199,823.1 -367,471.0 -379,781.2
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
1,046.1 -103,744.0 -200,316.0 -373,067.4 -383,374.1

0.0 0.0 0.0 0.0 0.0

-6,000.0 -19,670.0 6,650.0 2,000.0 -3,000.0
 — — 0.0 0.0 0.0
— — 0.0 0.0 0.0
— — 6,650.0 2,000.0 —
— — 0.0 0.0 -3,000.0
821,700.0 0.0 0.0 0.0 0.0
821,700.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
4,178.0 173,364.2 218,609.8 -12,401.7 251,478.9
-739,530.0 41,000.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
80,348.0 194,694.2 225,259.8 -10,401.7 248,478.9

— 0.0 0.0 0.0 0.0

-68,308.4 67,156.8 59,688.2 -161,304.3 -20,059.3

4,950.6 1,369.5 7,480.9 6,414.8 5,830.0

3,399.2 3,201.6 1,860.4 1,872.5 2,276.9

-156,556.7 -43,942.8 40,901.4 218,568.4 108,243.0

orted for all values)
Indian Overseas Bank (IOB IN) - Growth
In Millions of INR except Per Share FY 2015 FY 2016 FY 2017 FY 2018
12 Months Ending 03/31/2015 03/31/2016 03/31/2017 03/31/2018
1 Year Growth
Revenue 4.92 -0.12 -11.34 -6.19
Operating Income — -537.72 -17.93 -84.37
Net Income to Common — -537.72 -17.93 -84.37
EPS Diluted — -439.67 20.54 -47.34
EPS Diluted before XO — -439.67 20.54 -47.34
EPS Diluted before Abnormal — -439.24 20.52 -47.30
Dividend per Share — — — —

Fixed Assets -3.74 30.45 -6.61 -5.27

Total Assets 3.90 -3.92 -9.94 0.32
Employees 7.51 -0.32 -6.41 -6.27
Short-Term Debt -12.14 -3.84 -93.56 -3.45
Total Debt -25.45 49.09 -38.48 -41.21
Total Equity -3.27 0.16 -12.26 -3.42
Capital -16.62 26.50 -28.90 -24.16
Book Value per Share -3.27 -11.45 -50.06 -51.53

Cash From Operations — — — -162.71

Capital Expenditures -25.11 654.04 -88.66 -17.89
Net Change In Cash 57.05 — — 240.09

5 Year Growth
Revenue 18.02 14.34 3.37 -0.89
Dividend per Share -100.00 -100.00 -100.00 -100.00

Fixed Assets 8.09 14.24 11.86 9.39

Total Assets 16.86 8.95 2.39 0.27
Employees 3.63 4.44 1.72 -0.24
Short-Term Debt 72.21 70.65 -38.69 -21.28
Total Debt 13.58 6.30 -7.22 -16.29
Total Equity 15.76 10.93 2.88 -0.27
Total Capital 5 Year Growth 14.55 7.86 -3.41 -9.17
Book Value per Share -1.72 -5.74 -17.85 -28.54

Net Change In Cash — — — —

Sequential Growth
Revenue 4.92 -0.12 -11.34 -6.19
Operating Income -175.50 — — —
Net Income to Common -175.50 — — —
EPS Diluted -160.83 — — —
EPS Diluted before XO -160.83 — — —
EPS Diluted before Abnormal -161.01 — — —
Dividend per Share -100.00 — — —

Fixed Assets -3.74 30.45 -6.61 -5.27

Total Assets 3.90 -3.92 -9.94 0.32
Employees 7.51 -0.32 -6.41 -6.27
Short-Term Debt -12.14 -3.84 -93.56 -3.45
Total Debt -25.45 49.09 -38.48 -41.21
Total Equity -3.27 0.16 -12.26 -3.42
Capital -16.62 26.50 -28.90 -24.16
Book Value per Share -3.27 -11.45 -50.06 -51.53

Capital Expenditures -25.11 654.04 -88.66 -17.89

Net Change In Cash 57.05 -145.03 — 240.09
Source: Bloomberg Right click to show data transparency (not supported for all values)
 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
03/31/2019 03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024

0.81 -4.91 8.47 -3.92 8.70 26.39

40.66 -128.13 — 113.95 32.29 45.43
40.66 -128.13 — 105.57 23.09 26.70
70.62 -16.98 — 80.39 20.99 25.78
70.62 -16.98 — 80.39 20.99 25.78
70.09 -14.89 — 82.95 20.36 26.69
— — — — — —

15.33 -6.28 -6.67 15.32 10.24 0.79

0.82 4.29 5.09 9.36 4.60 12.26
-5.66 -5.59 -5.23 -5.13 -1.42 -2.62
-9.11 -0.12 20.46 6.30 16.84 -0.86
-31.91 -10.86 -27.42 -12.92 473.33 44.29
23.25 -1.25 4.89 37.06 7.11 10.80
-0.22 -4.04 -3.83 26.88 72.25 26.37
-34.06 -45.08 9.44 18.51 3.24 10.80

— — 84.11 — 539.43 -48.31

628.05 -84.78 -48.34 -15.64 935.64 -37.28
30.84 — — -11.12 — 87.56

-2.55 -4.45 -2.86 -1.29 1.66 6.37

-100.00 — — — — —

5.08 4.52 -2.25 1.96 5.10 2.31

-1.88 -1.81 -0.03 3.93 4.80 7.07
-2.37 -4.88 -5.83 -5.58 -4.62 -4.01
-45.57 -44.16 -41.59 2.34 6.31 8.18
-22.83 -20.02 -30.74 -25.76 17.07 36.05
0.23 0.65 1.58 11.06 13.39 11.00
-10.71 -8.17 -13.07 -2.39 15.01 20.58
-32.83 -40.02 -37.42 -25.62 -13.48 -4.01

2.99 — — 43.62 — —

0.81 -4.91 8.47 -3.92 8.70 26.39

— — — 113.95 32.29 45.43
 — — — 105.57 23.09 26.70
— — — 80.39 20.99 25.78
— — — 80.39 20.99 25.78
— — — 82.95 20.36 26.69
— — — — — —

15.33 -6.28 -6.67 15.32 10.24 0.79

0.82 4.29 5.09 9.36 4.60 12.26
-5.66 -5.59 -5.23 -5.13 -1.42 -2.62
-9.11 -0.12 20.46 6.30 16.84 -0.86
-31.91 -10.86 -27.42 -12.92 473.33 44.29
23.25 -1.25 4.89 37.06 7.11 10.80
-0.22 -4.04 -3.83 26.88 72.25 26.37
-34.06 -45.08 9.44 18.51 3.24 10.80

628.05 -84.78 -48.34 -15.64 935.64 -37.28

30.84 -257.16 — -11.12 -370.24 —
orted for all values)
Indian Overseas Bank (IOB IN) - Liquidity
In Millions of INR except Per Share FY 2015 FY 2016 FY 2017 FY 2018
12 Months Ending 03/31/2015 03/31/2016 03/31/2017 03/31/2018

Long-Term Debt/Equity 52.11 111.64 117.12 69.52

Long-Term Debt/Capital 24.06 40.82 52.84 39.94
Long-Term Debt/Total Assets 2.85 6.37 6.51 3.72

Total Debt/Equity 116.57 173.52 121.66 74.06

Total Debt/Capital 53.83 63.44 54.89 42.55
Total Debt/Total Assets 6.38 9.91 6.77 3.96

CFO/Total Liabilities -4.63 1.34 -0.65 -1.71

CFO/CapEx -75.33 2.78 -10.75 -34.39
Common Equity/Total Assets 5.48 5.71 5.56 5.35

Source: Bloomberg Right click to show data transparency (not supported for all values)
 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
03/31/2019 03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024

37.57 33.55 21.67 13.22 83.63 110.25

26.66 24.50 17.26 11.37 44.74 51.71
2.46 2.08 1.34 1.02 6.64 8.64

40.92 36.94 25.56 16.24 86.92 113.20

29.04 26.97 20.36 13.97 46.50 53.10
2.68 2.29 1.58 1.26 6.90 8.87

1.28 -6.12 -0.93 1.26 7.70 3.54

3.51 -116.02 -35.70 61.79 38.15 31.44
6.54 6.20 6.18 7.75 7.94 7.83

orted for all values)

Indian Overseas Bank (IOB IN) - Yield Analysis
In Millions of INR except Per Share FY 2015 FY 2016 FY 2017 FY 2018
12 Months Ending 03/31/2015 03/31/2016 03/31/2017 03/31/2018
T12 Cash Flows to Equity
+ Cash From Operations -125,008.3 34,768.7 -15,244.7 -40,048.8
+ Capital Expenditures -1,659.4 -12,512.8 -1,418.4 -1,164.6
Market Capitalization 52,317.0 42,269.2 65,418.5 85,343.9

Dividends Paid -722.6 0.0 0.0 0.0

Net Share Repurchases -8,145.8 5,719.2 18,129.4 57,940.0
0.0 — 0.0 0.0
0.0 98,009.0 0.0 0.0
Other Financing Activities 10,000.0 -8,500.0 3,700.0 0.0
T12 Cash to Suppliers of Capital 1,131.5 95,228.1 21,829.4 57,940.0
Market Capitalization 52,317.0 42,269.2 65,418.5 85,343.9
T12 Shareholder Yield -2.16 -225.29 -33.37 -67.89

- Dividends Paid -722.6 0.0 0.0 0.0

- Net Share Repurchases -8,145.8 5,719.2 18,129.4 57,940.0
T12 Cash to Shareholders 8,868.5 -5,719.2 -18,129.4 -57,940.0
Market Capitalization 52,317.0 42,269.2 65,418.5 85,343.9
T12 Shareholder Yield, Ex Debt 16.95 -13.53 -27.71 -67.89

- Dividends Paid -722.6 0.0 0.0 0.0

- Net Share Repurchases -8,145.8 5,719.2 18,129.4 57,940.0
- Net ST Debt Repayments 0.0 — 0.0 0.0
- Net LT Debt Repayments 0.0 98,009.0 0.0 0.0
- Other Financing Activities 10,000.0 -8,500.0 3,700.0 0.0
T12 Cash to Suppliers of Capital 1,131.5 95,228.1 21,829.4 57,940.0
Source: Bloomberg Right click to show data transparency (not supported for all values)
 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
03/31/2019 03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024

29,795.3 -149,702.5 -23,793.4 34,744.4 222,164.8 114,835.9

-8,478.8 -1,290.3 -666.6 -562.3 -5,823.6 -3,652.6
132,096.8 115,880.8 252,046.4 330,662.6 424,359.2 1,133,199.5

0.0 0.0 0.0 0.0 0.0 0.0

62,234.7 821,700.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
0.0 -6,000.0 -19,670.0 6,650.0 2,000.0 -3,000.0
0.0 -739,530.0 41,000.0 0.0 0.0 0.0
62,234.7 76,170.0 21,330.0 6,650.0 2,000.0 -3,000.0
132,096.8 115,880.8 252,046.4 330,662.6 424,359.2 1,133,199.5
-47.11 -65.73 -8.46 -2.01 -0.47 0.26

0.0 0.0 0.0 0.0 0.0 0.0

62,234.7 821,700.0 0.0 0.0 0.0 0.0
-62,234.7 -821,700.0 0.0 0.0 0.0 0.0
132,096.8 115,880.8 252,046.4 330,662.6 424,359.2 1,133,199.5
-47.11 -709.09 0.00 0.00 0.00 0.00

0.0 0.0 0.0 0.0 0.0 0.0

62,234.7 821,700.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
0.0 -6,000.0 -19,670.0 6,650.0 2,000.0 -3,000.0
0.0 -739,530.0 41,000.0 0.0 0.0 0.0
62,234.7 76,170.0 21,330.0 6,650.0 2,000.0 -3,000.0
orted for all values)
Indian Overseas Bank (IOB IN) - DuPont Analysis
In Millions of INR except Per Share FY 2015 FY 2016 FY 2017 FY 2018
12 Months Ending 03/31/2015 03/31/2016 03/31/2017 03/31/2018
Tax Burden
Net Inc to Comn/Pre-Tax Profit % 100.00 100.00 100.00 100.00
Adjustment Factor
Normlzd Net Inc/Net Inc to Cmn — — — —
Operating Margin
EBIT/Revenue % -6.04 -36.62 -39.90 -68.37
Asset Turnover
Revenue/Avg Assets 0.09 0.09 0.09 0.09
Leverage Ratio
Avg Assets/Avg Equity 17.62 17.89 17.74 18.33

Adjusted Return on Equity -2.86 -18.51 -23.24 -46.64

5 Year Average Adj ROE 5.65 -0.60 -7.22 -17.44

Payout Ratio — — — —
Sustainable Growth Rate — — — —
Source: Bloomberg Right click to show data transparency (not supported for all values)
 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
03/31/2019 03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024

100.00 100.00 100.00 96.08 89.40 77.88

— — 1.00 1.00 1.00 1.00

-39.41 -98.44 7.26 15.85 19.01 22.07

0.09 0.08 0.08 0.08 0.08 0.09

16.80 15.71 16.16 14.28 12.75 12.69

-25.70 -52.48 5.02 8.51 8.74 10.16

-23.39 -33.31 -28.61 -22.26 -11.18 -4.01

— — 0.00 0.00 0.00 0.00
— — 5.02 8.51 8.75 10.17
orted for all values)
Indian Overseas Bank (IOB IN) - Overview
In Millions of INR except Per Share FY 2015 FY 2016 FY 2017 FY 2018
12 Months Ending 03/31/2015 03/31/2016 03/31/2017 03/31/2018
ESG Financial Materiality Scores

ESG Disclosure Scores

Environmental
Air Quality

Climate Change
Emissions Reduction Initiatives No No No No
Transition Plan Claim No No No No
Climate Change Policy No No No No
Climate Change Opportunities Discussed No No No No
Risks of Climate Change Discussed No No No No
GHG Scope 1 — — — —
GHG Scope 2 Location-Based — — — —

Energy
Energy Efficiency Policy No No No Yes
Total Energy Consumption — — — —
Renewable Energy Use — — — —
Electricity Used — — — —

Materials & Waste

Waste Reduction Policy No No No No

Supply Chain
Environmental Supply Chain Management No No No No

Water
Water Policy No No No No
Total Water Withdrawal — — — —
Total Water Discharged — — — —
Water Consumption — — — —

Ecological & Biodiversity Impacts

Biodiversity Policy No No No No
Adopts TNFD Recommendations No No No No
Zero Deforestation Policy No No No No
Board Level Oversight of Biodiversity No No No No
Executive Level Oversight of Biodiversity No No No No
Social
Community & Customers
Human Rights Policy No No Yes Yes
Policy Against Child Labor No No No No
Quality Assurance and Recall Policy No No No No
Consumer Data Protection Policy No No No No
Community Spending 2.7 3.0 0.0 0.0
Number of Customer Complaints 8,369.00 15,236.00 27,357.00 101,815.00

Diversity
Equal Opportunity Policy No No No No
Gender Pay Gap Breakout No No No No
Pct Women in Workforce 29.95 31.70 32.65 33.47
Pct Minorities in Workforce 48.27 26.72 26.80 19.95
Pct Disabled in Workforce 1.74 1.78 1.83 1.89
80%+ Workforce Gender Pay Gap Waterfall — — — —

Ethics & Compliance

Business Ethics Policy Yes Yes No No
Anti-Bribery Ethics Policy No No Yes Yes

Health & Safety

Health and Safety Policy No No No No

Human Capital
Training Policy Yes Yes Yes Yes
Fair Remuneration Policy No No No No
Number of Employees - CSR 31,947.00 31,846.00 29,806.00 27,936.00
Number of Contractors — — — —
Employee Turnover Pct — — — —
Pct Employees Unionized — — — —
Company Discloses Employee Engagement No No No No

Supply Chain
Social Supply Chain Management No No No No

Governance
Audit Risk & Oversight
Size of Audit Committee 6.00 5.00 6.00 5.00
Number of Independent Directors on Audit 1.00 — — —
Audit Committee Meetings 11.00 10.00 10.00 12.00
Audit Committee Meeting Attendance Perce — 87.50 83.33 83.33

Board Composition
Company Conducts Board Evaluations No No No No
Board Size 12.00 12.00 9.00 11.00
Number of Executives / Company Managers 3.00 3.00 3.00 3.00
Number of Non Executive Directors on Boar 9.00 9.00 7.00 8.00
Number of Board Meetings for the Year 16.00 14.00 15.00 12.00
Board Meeting Attendance Pct 92.06 89.28 86.75 91.50

Compensation
Company Has Executive Share Ownership G No No No No
Director Share Ownership Guidelines No No No No
Size of Compensation Committee 2.00 0.00 — —
Num of Independent Directors on Compensa 0.00 — — —
Number of Compensation Committee Meeti 2.00 0.00 0.00 0.00
Compensation Committee Meeting Attenda 100.00 — — —

Diversity
Number of Female Executives 0.00 0.00 0.00 0.00
Number of Women on Board 1.00 1.00 1.00 1.00
Age of the Youngest Director 43.00 44.00 51.00 50.00
Age of the Oldest Director 58.00 59.00 63.00 68.00

Independence
Number of Independent Directors 4.00 — — —

Nominations & Governance Oversight

Size of Nomination Committee 2.00 3.00 3.00 3.00
Num of Independent Directors on Nominati 0.00 0.00 — —
Number of Nomination Committee Meetings 2.00 0.00 1.00 1.00
Nomination Committee Meeting Attendance 100.00 — 100.00 100.00

Sustainability Governance
Verification Type No No No No
Employee CSR Training No No No No

Tenure
Board Duration (Years) — — — —

Source: Bloomberg Right click to show data transparency (not supported for all values)
 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
03/31/2019 03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024

No No No No No No
No No No No No No
No No No No No No
No No No No No No
No No No No No No
— — — 1.9 2.0 6.4
— — — 42.4 44.5 35.9

Yes Yes Yes Yes Yes Yes

— — — 66.3 69.9 75.2
— — — 0.9 1.1 —
— — — 59.3 62.2 50.2

No No No No No No

No No No No No No

No No No No No No
— — — 22.0 21.7 2,005.1
— — — — — 1,604.1
— — — 22.0 21.7 2,005.1

No No No No No No
No No No No No No
No No No No No No
No No No No No No
No No No No No No
 Yes Yes Yes Yes Yes Yes
No No No No No No
No No No No No No
No No No No No No
0.0 0.0 0.0 0.6 10.4 55.8
153,316.00 166,745.00 151,084.00 169,599.00 198,307.00 257,420.00

No No No No No No
No No No No Yes Yes
34.09 34.66 35.29 35.90 36.00 36.26
26.90 27.00 27.02 26.95 26.95 27.05
1.89 1.93 2.20 2.21 22.00 2.28
— — — — 5.22 6.38

Yes No Yes Yes Yes Yes

Yes Yes Yes Yes Yes Yes

No No No No No No

Yes Yes Yes Yes Yes Yes

No No No No No No
26,354.00 24,857.00 23,579.00 22,369.00 22,052.00 21,475.00
— — — — 0.00 0.00
— — — 1.19 0.97 0.89
— — — 95.66 94.53 95.25
No No No No No No

No No No No No No

5.00 4.00 5.00 5.00 4.00 4.00

— — — — — —
13.00 10.00 14.00 19.00 9.00 8.00
71.66 80.00 100.00 91.08 79.06 96.87
 No No No No Yes Yes
9.00 6.00 6.00 9.00 9.00 10.00
3.00 2.00 4.00 4.00 3.00 3.00
6.00 4.00 4.00 6.00 6.00 7.00
13.00 12.00 10.00 13.00 11.00 12.00
83.07 85.00 94.64 91.39 89.58 90.82

No No No No No No
No No No No No No
— — — 5.00 4.00 5.00
— — — — — —
0.00 — 0.00 0.00 1.00 0.00
— — — — 100.00 —

0.00 0.00 1.00 1.00 1.00 0.00

1.00 1.00 2.00 2.00 2.00 1.00
51.00 52.00 53.00 54.00 47.00 —
65.00 59.00 58.00 66.00 67.00 —

— — — 3.00 4.00 4.00

3.00 — — 5.00 4.00 5.00

— — — — — —
0.00 0.00 0.00 0.00 1.00 0.00
— — — — 100.00 —

No No No No No No
No No No No No No

— 5.00 — — — —

orted for all values)

Indian Overseas Bank (IOB IN) - ESG Ratios
In Millions of INR except Per Share FY 2015 FY 2016 FY 2017 FY 2018
12 Months Ending 03/31/2015 03/31/2016 03/31/2017 03/31/2018
Disclosure Scores
Greenhouse Gases
GHG Intensity per Sales — — — —
GHG Scope 1 Intensity per Sales — — — —
GHG Scope 2 Intensity per Sales — — — —
GHG/CO2 Intensity / Net Fixed Assets — — — —
GHG Intensity per Energy — — — —
GHG Intensity per Employee — — — —
GHG Intensity per Assets — — — —

Carbon Dioxide

Energy
Energy Intensity per Sales — — — —
Energy Intensity per Employee — — — —
Energy Intensity per Assets — — — —

Water
Water Intensity per Sales — — — —
Water Intensity per Energy — — — —
Water Intensity per Employee — — — —
Water Intensity per Assets — — — —
Water Usage Efficiency Rate — — — —

Waste

Other Environmental

Social
Community Spend % PTP — — — —
Community Spend%Equity 0.00 0.00 0.00 0.00
Actual Net Income per Employee -142,212.13 -909,793.22 -1,146,325.77 -2,254,972.26
Actual Cash Flow per Employee -3,912,990.01 1,091,777.21 -511,465.38 -1,433,590.46
Actual Personnel Expenses per Employee 829,354.21 1,064,622.09 1,021,494.67 1,071,787.30

Governance
Percentage of Non-Executive Directors on 75.00 75.00 77.78 72.73
Pct Independent Directors 33.33 — — —
% Women on Board 8.33 8.33 11.11 9.09
Percentage of Female Executives 0.00 0.00 0.00 0.00
Board of Directors Age Range 15.00 15.00 12.00 18.00
Board Average Age 53.33 54.33 56.22 57.27
Board Meeting Attendance Pct 92.06 89.28 86.75 91.50
Independent Directors Board Meeting Atte 89.65 — — —
Pct of Independent Directors on Audit Comm 16.67 — — —
Audit Committee Meeting Attendance Perce — 87.50 83.33 83.33
Pct of Ind Directors on Compensation Comm 0.00 — — —
Compensation Committee Meeting Attenda 100.00 — — —
Pct of Ind Directors on Nomination Committ 0.00 0.00 — —
Source: Bloomberg Right click to show data transparency (not supported for all values)
 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
03/31/2019 03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024

— — — 0.20 0.20 0.14

— — — 0.01 0.01 0.02
— — — 0.20 0.19 0.12
— — — 1.31 1.25 1.13
— — — 667.68 666.26 563.93
— — — 1.98 2.11 1.97
— — — 0.01 0.01 0.01

— — — 0.31 0.30 0.25

— — — 2.96 3.17 3.50
— — — 0.02 0.02 0.02

— — — 0.10 0.09 6.74

— — — 331.74 310.58 26,680.17
— — — 0.98 0.98 93.37
— — — 0.01 0.01 0.57
— — — — — 20.00

— — 0.00 0.00 0.04 0.16

0.00 0.00 0.00 0.00 0.00 0.02
-1,418,335.36 -3,427,412.98 352,631.66 764,126.51 954,103.75 1,241,285.26
1,130,579.49 -6,016,983.12 -1,009,091.18 1,553,238.28 ### 5,347,423.52
1,004,344.01 1,302,540.51 1,570,373.81 1,559,700.43 1,860,314.71 2,860,664.91

66.67 66.67 66.67 66.67 66.67 70.00

— — — 33.33 44.44 40.00
11.11 16.67 33.33 22.22 22.22 10.00
0.00 0.00 25.00 25.00 33.33 0.00
 14.00 7.00 5.00 12.00 20.00 —
56.33 55.50 56.50 58.00 58.44 —
83.07 85.00 94.64 91.39 89.58 90.82
— — — — — —
— — — — — —
71.66 80.00 100.00 91.08 79.06 96.87
— — — — — —
— — — — 100.00 —
— — — — — —
orted for all values)
Indian Overseas Bank (IOB IN) - Common Size
In Millions of INR except Per Share FY 2015 FY 2016 FY 2017 FY 2018
12 Months Ending 03/31/2015 03/31/2016 03/31/2017 03/31/2018
Total Assets 2,856,369.8 2,744,367.6 2,471,674.9 2,479,680.3
Total Assets
+ Cash & Cash Equivalents 4.4 5.1 4.7 4.7
+ Interbanking Assets 4.3 3.0 4.7 6.0
+ Other Interbank Assets 4.3 3.0 4.7 6.0
+ ST And LT Investments 28.5 28.9 28.9 27.6
+ Other Investments 28.5 28.9 28.9 27.6
+ Total Loans 61.9 62.2 62.6 60.4
- Reserve for Loan Losses 1.8 3.6 5.7 7.0
+ Net Loans 60.1 58.6 56.8 53.4
+ Net Fixed Assets 0.9 1.2 1.2 1.2
+ Property, Plant & Equip 0.9 1.2 1.2 1.2
+ Total Intangible Assets 0.0 0.0 0.0 0.0
+ Goodwill 0.0 0.0 0.0 0.0
+ Other Intangible Assets 0.0 0.0 0.0 0.0
+ Investments in Associates — — 0.1 0.1
+ Customer Acceptances & Liab 0.0 0.0 0.0 0.0
+ Other Assets 1.8 3.2 3.6 7.0
Total Assets 100.0 100.0 100.0 100.0

Liabilities & Shareholders' Equity

+ Demand Deposits 5.1 4.4 5.3 5.2
+ Interest Bearing Deposits 81.0 77.4 80.2 82.2
+ Saving Deposits 16.5 19.1 25.6 26.9
+ Time Deposits 64.5 58.3 54.6 55.3
+ Other Deposits 0.0 0.0 0.0 0.0
+ Total Deposits 86.1 81.8 85.5 87.4
+ ST Borrowings & Repos 3.5 3.5 0.3 0.2
+ ST Lease Liabilities 0.0 0.0 0.0 0.0
+ ST Finance Leases 0.0 0.0 0.0 0.0
+ ST Borrowings 3.5 3.5 0.3 0.2
+ LT Debt 2.9 6.4 6.5 3.7
+ LT Lease Liabilities 0.0 0.0 0.0 0.0
+ LT Finance Leases 0.0 0.0 0.0 0.0
+ LT Borrowings 2.9 6.4 6.5 3.7
+ Pension Liabilities 0.0 — — —
+ Pensions 0.0 — — —
+ Other Post-Ret Benefits 0.0 — — —
+ Other Liabilities 2.0 2.6 2.2 3.2
Total Liabilities 94.5 94.3 94.4 94.6
 + Preferred Equity and Hybrid Capital 0.0 0.0 0.0 0.0
+ Share Capital & APIC 0.4 0.7 1.0 3.6
+ Common Stock 0.4 0.7 1.0 2.0
+ Additional Paid in Capital — — — 1.6
- Treasury Stock 0.0 0.0 0.0 0.0
+ Retained Earnings 0.9 1.1 -1.6 -1.4
+ Other Equity 4.1 3.9 6.2 3.1
Equity before Minority Interest 5.5 5.7 5.6 5.4
+ Minority/Non Controlling Interest 0.0 0.0 0.0 0.0
Total Equity 5.5 5.7 5.6 5.4
Total Liabilities & Equity 100.0 100.0 100.0 100.0

Reference Items
Accounting Standard IN GAAP IN GAAP IN GAAP IN GAAP
Shares Outstanding 0.0 0.1 0.1 0.2
Number of Treasury Shares 0.0 0.0 0.0 0.0
Pension Obligations 0.0 0.0 0.0 0.0
Future Minimum Operating Lease Obligation 0.0 0.0 0.0 0.0
Total Capital Leases 0.0 0.0 0.0 0.0
Percent Of Foreign Ownership 0.0 0.0 0.0 0.0
Number Of Shareholders 247,720.0 252,049.0 254,396.0 255,541.0
Options Granted During Period 0.0 0.0 0.0 —
Options Outstanding at Period End 0.0 0.0 0.0 —
Book Value per Share 0.0 0.0 0.0 0.0
Tier 1 Capital Ratio 0.0 0.0 0.0 0.0
Net Debt -2.3 1.8 -2.6 -6.7
Tangible Common Equity Ratio 0.0 0.0 0.0 0.0
Tangible Common Equity to Risk-Weighted 0.0 0.0 0.0 0.0
Total Risk-Based Capital Ratio 0.0 0.0 0.0 0.0
Real Estate Loans — — — 9.7
Earning Assets 94.7 94.0 96.2 94.1
Non-Performing Assets 5.2 10.9 14.2 15.4
Off-Balance Sheet Commitments 29.3 27.6 27.6 27.3
Number of Employees 31,947.0 31,846.0 29,806.0 27,936.0
Source: Bloomberg Right click to show data transparency (not supported for all values)
 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
03/31/2019 03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024
2,500,083.6 2,607,268.3 2,740,103.5 2,996,564.1 3,134,499.0 3,518,693.2

4.1 1.2 4.4 5.6 5.5 4.8

8.2 8.0 6.8 6.8 1.2 0.5
8.2 8.0 6.8 6.8 1.2 0.5
26.7 30.4 34.8 32.7 29.9 28.2
26.7 30.4 34.8 32.7 29.9 28.2
60.5 51.5 50.8 48.1 56.8 60.6
7.5 5.0 4.2 — — —
53.0 46.5 46.6 48.1 56.8 60.6
1.3 1.2 1.1 1.1 1.2 1.1
1.3 1.2 1.1 1.1 1.2 1.1
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
0.1 0.1 0.1 0.1 0.0 0.0
0.0 0.0 0.0 — — 0.0
6.5 12.6 6.2 5.6 5.5 4.8
100.0 100.0 100.0 100.0 100.0 100.0

5.8 5.4 5.9 5.8 5.3 6.5

83.2 80.1 81.8 81.7 77.9 74.8
28.3 29.0 31.4 32.2 31.1 29.2
54.9 51.1 50.4 49.5 46.8 45.6
0.0 0.0 0.0 0.0 0.0 0.0
89.0 85.5 87.7 87.5 83.3 81.3
0.2 0.2 0.2 0.2 0.3 0.2
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
0.2 0.2 0.2 0.2 0.3 0.2
2.5 2.1 1.3 1.0 6.6 8.6
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
2.5 2.1 1.3 1.0 6.6 8.6
— — — 0.0 0.0 0.0
— — — 0.0 0.0 0.0
— — — 0.0 0.0 0.0
1.8 6.0 4.5 3.5 1.9 2.0
93.5 93.8 93.8 92.2 92.1 92.2
 0.0 0.0 0.0 0.0 0.0 0.0
6.1 9.0 8.5 9.2 8.8 7.8
3.7 6.3 6.0 6.4 6.0 5.4
2.4 2.7 2.5 2.9 2.7 2.4
0.0 0.0 0.0 0.0 0.0 0.0
-2.9 -6.2 -5.8 -4.8 -3.9 -2.8
3.4 3.4 3.5 3.3 3.1 2.8
6.5 6.2 6.2 7.8 7.9 7.8
0.0 0.0 0.0 0.0 0.0 0.0
6.5 6.2 6.2 7.8 7.9 7.8
100.0 100.0 100.0 100.0 100.0 100.0

IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP

0.4 0.6 0.6 0.6 0.6 0.5
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
271,947.0 279,955.0 378,616.0 473,902.0 510,161.0 1,023,203.0
— — — — — —
— — — — — —
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
-9.7 -6.9 -9.7 -11.1 0.3 3.5
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
9.8 9.7 8.3 — — —
95.4 89.9 92.3 87.6 87.9 89.4
13.4 7.6 6.0 — — 1.9
22.7 27.2 24.9 32.7 62.6 55.6
26,354.0 24,880.0 23,579.0 22,369.0 22,052.0 21,475.0
orted for all values)