I O B

Who are in the management team of I O B?

As of March 2023, the management team of I O B includes Ajay Kumar Srivastava (Managing Director & CEO), S Srimathy and Sanjay Vinayak Mudaliyar (Executive Directors), along with several non-official and nominee directors, totaling ten members focused on governance and management.

As of March 2023, the management team of I O B includes the following members:<BR><BR>1. Annie George Mathew - Nominee (Govt)<BR>2. Ajay Kumar Srivastava - Managing Director & CEO<BR>3. Nandakumaran S - Company Secretary & Compliance Officer<BR>4. S Srimathy - Executive Director<BR>5. Deepak Sharma - Non Official Director<BR>6. Suresh Kumar Rungta - Non Official Director<BR>7. Vivek Aggarwal - Nominee (RBI)<BR>8. B Chandra Reddy - Non-official Director<BR>9. Sanjay Vinayak Mudaliyar - Executive Director<BR>10. Sanjaya Rastogi - Director (Shareholder)<BR><BR>This team comprises a mix of executive and non-executive directors, with various roles focusing on governance and management.

Has I O B declared dividend?

Yes, Indian Overseas Bank has declared a 5% dividend, amounting to 0.5 per share. However, the dividend yield is 0%, and total returns have varied significantly, with strong positive returns over longer periods despite negative returns in the short term.

Indian Overseas Bank has declared a 5% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 5%<BR>- Amount per share: 0.5<BR>- Ex-date: Jun-19-2014<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was -31.49%, with a dividend return of 0%, resulting in a total return of -31.49%.<BR><BR>In the 1-year period, the price return was -40.57%, with a dividend return of 0%, leading to a total return of -40.57%.<BR><BR>In the 2-year period, the price return was 57.04%, with a dividend return of 0%, resulting in a total return of 57.04%.<BR><BR>In the 3-year period, the price return was 127.7%, with a dividend return of 0%, leading to a total return of 127.7%.<BR><BR>In the 4-year period, the price return was 105.82%, with a dividend return of 0%, resulting in a total return of 105.82%.<BR><BR>In the 5-year period, the price return was 278.41%, with a dividend return of 0%, leading to a total return of 278.41%.<BR><BR>Overall, while Indian Overseas Bank did declare a dividend, the dividend yield remains at 0%, indicating that dividends have not contributed to total returns in recent periods. The total returns show significant variability, with strong positive returns over longer periods despite negative returns in the short term.

Who are the peers of the I O B?

The peers of I O B include St Bk of India, Bank Of Baroda, Punjab Natl.Bank, Union Bank (I), Canara Bank, Bank Of India, Bank of Maha, UCO Bank, Central Bank, and Pun. & Sind Bank. I O B has a significantly lower 1-year return of -44.47% compared to its peers, with Union Bank (I) having the highest return at -10.59%.

Peers: The peers of I O B are St Bk of India, Bank Of Baroda, Punjab Natl.Bank, Union Bank (I), Canara Bank, Bank Of India, Bank of Maha, UCO Bank, Central Bank, and Pun. & Sind Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at St Bk of India, Bank Of Baroda, Union Bank (I), Canara Bank, Bank Of India, and Bank of Maha, while Average management risk is found at Punjab Natl.Bank, I O B, UCO Bank, Central Bank, and Pun. & Sind Bank. Growth is excellent at Punjab Natl.Bank, Union Bank (I), Canara Bank, and Bank of Maha, while good growth is seen at St Bk of India, I O B, Bank Of India, and UCO Bank, and the rest have average growth. Capital structure is good at Bank Of Baroda, Union Bank (I), Canara Bank, Bank Of India, and Bank of Maha, while average capital structure is noted at St Bk of India, I O B, Punjab Natl.Bank, UCO Bank, Central Bank, and Pun. & Sind Bank.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Union Bank (I) at -10.59%, while the lowest is I O B at -44.47%, indicating that I O B's return is significantly worse than its peers. Additionally, UCO Bank, Central Bank, and Pun. & Sind Bank all have negative six-month returns.

What does I O B do?

Indian Overseas Bank (IOB) is a public sector bank established in 1937, focusing on foreign exchange and overseas banking, with a market capitalization of INR 76,179 Cr and a net profit of INR 1,051 Cr as of March 2025. For inquiries, contact them at their Chennai office or via email at investor@iobnet.co.in.

Overview:<BR>Indian Overseas Bank (IOB) is a public sector bank specializing in foreign exchange business and overseas banking, categorized as a large-cap entity.<BR><BR>History:<BR>Indian Overseas Bank was founded on February 10, 1937. The latest quarterly results reported are for March 2025, showcasing the bank's ongoing operations.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 7,633.59 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 1,051 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: INR 76,179 Cr (Large Cap)<BR><BR>Key Metrics:<BR>P/E: N/A <BR>Industry P/E: N/A <BR>Dividend Yield: 0.00% <BR>Debt-Equity: N/A <BR>ROE: N/A <BR>Price-to-Book: N/A <BR><BR>Contact Details:<BR>Address: 763 Anna Salai, Chennai Tamil Nadu: 600002 <BR>Phone: 91-44-28519491/28415702/28889392 <BR>Email: investor@iobnet.co.in / investorcom <BR>Website: http://www.iob.co.in

Who are the top shareholders of the I O B?

The top shareholders of I O B include the President of India with 94.61%, Life Insurance Corporation of India at 1.82%, and individual investors holding 2.38%. Additionally, there are 14 mutual fund schemes and 22 foreign institutional investors with minor stakes.

The top shareholders of I O B are primarily the promoters, with the President of India holding the highest stake at 94.61%. Other significant shareholders include the Life Insurance Corporation of India, which holds 1.82%, and individual investors, who collectively own 2.38%. Additionally, there are 14 mutual fund schemes and 22 foreign institutional investors (FIIs) holding minor stakes of 0.12% and 0.08%, respectively.

How big is I O B?

As of 24th July, Indian Overseas Bank has a market capitalization of 75,332.00 Cr and reported a net profit of 3,812.93 Cr over the latest four quarters, with total assets of 3,95,014.95 Cr.

As of 24th July, <BR><BR>Market Cap: Indian Overseas Bank has a market capitalization of 75,332.00 Cr, classified as Large Cap.<BR><BR>Recent Quarterly Performance: The company reported net sales of 0.00 Cr for the latest quarters, with a net profit of 3,812.93 Cr for the latest four quarters.<BR><BR>Balance Sheet Snapshot: The reporting period for the balance sheet is March 2025, with shareholder's funds amounting to 32,540.92 Cr and total assets of 3,95,014.95 Cr.

How has been the historical performance of I O B?

I O B has shown significant growth in financial performance from March 2023 to March 2025, with interest earned rising to 28,131.01 Cr, net interest income increasing to 10,890.21 Cr, and profit after tax reaching 3,334.71 Cr. Total assets also grew to 3,95,014.95 Cr, reflecting a strong recovery trajectory.

Answer:<BR>The historical performance of I O B shows a significant upward trend in various financial metrics over the years leading up to March 2025.<BR><BR>Breakdown:<BR>I O B's interest earned increased from 19,400.33 Cr in March 2023 to 28,131.01 Cr in March 2025, reflecting a robust growth trajectory. The net interest income also rose significantly, reaching 10,890.21 Cr in March 2025, up from 8,254.89 Cr in March 2023. Total income followed suit, climbing to 33,676.08 Cr in March 2025 from 23,509.08 Cr in March 2023. Despite an increase in interest expended, which reached 17,240.80 Cr in March 2025, the profit before tax improved markedly to 4,511.72 Cr, compared to 2,348.25 Cr in March 2023. Profit after tax also saw a positive trend, rising to 3,334.71 Cr in March 2025 from 2,098.79 Cr in March 2023. The bank's total assets grew to 3,95,014.95 Cr in March 2025, up from 3,13,733.99 Cr in March 2023, while total liabilities also increased to 3,95,014.94 Cr. The cash and cash equivalents improved to 21,070.00 Cr in March 2025, indicating a recovery from previous years. Overall, I O B has demonstrated a strong recovery and growth in its financial performance over the past few years.

Is I O B overvalued or undervalued?

As of October 16, 2025, I O B is considered overvalued with a PE ratio of 17.97 and a net NPA to Book Value ratio of 2.30, underperforming its peers and the market, which raises concerns about its financial metrics and asset quality.

As of 16 October 2025, the valuation grade for I O B has moved from fair to expensive. The company is currently considered overvalued based on its financial metrics. The PE ratio stands at 17.97, while the Price to Book Value is 2.27, and the PEG ratio is notably low at 0.43, indicating a potential disconnect between price and growth expectations.<BR><BR>In comparison to its peers, I O B's valuation appears less favorable; for instance, SBI has a PE ratio of 11.21 and Bank of Baroda is at 7, both of which suggest more attractive investment opportunities. Additionally, the net NPA to Book Value ratio for I O B is 2.30, which may raise concerns about asset quality relative to its peers. Over the past year, I O B has underperformed significantly with a stock return of -27.14% compared to a modest 2.41% return for the Sensex, reinforcing the notion that the stock is currently overvalued.

Is I O B technically bullish or bearish?

As of December 4, 2025, I O B's trend is neutral with mixed signals, showing a mildly bullish weekly MACD but a bearish monthly MACD, indicating a cautious outlook overall.

As of 4 December 2025, the technical trend for I O B has changed from bearish to sideways. The current stance is neutral, with mixed signals across various indicators. The weekly MACD is mildly bullish, while the monthly MACD remains bearish. The daily moving averages indicate a mildly bullish trend, but the Bollinger Bands and KST on the monthly are bearish. The Dow Theory shows a mildly bearish stance on both weekly and monthly time frames. Overall, the lack of strong bullish signals and the presence of bearish indicators suggest a cautious outlook.

When is the next results date for Indian Overseas Bank?

The next results date for Indian Overseas Bank is April 29, 2026.

The next results date for Indian Overseas Bank is scheduled for April 29, 2026.

Are Indian Overseas Bank latest results good or bad?

Indian Overseas Bank's latest Q4 FY26 results are positive, with a net profit increase of 43.23% year-on-year and a record low gross NPA ratio of 1.42%. However, despite strong operational metrics, the stock has underperformed due to valuation concerns among investors.

Indian Overseas Bank's latest results for Q4 FY26 can be considered quite positive overall. The bank reported a net profit of ₹1,505.45 crore, which reflects a substantial increase of 43.23% year-on-year. This growth is indicative of strong operational performance and effective management strategies.<BR><BR>Additionally, the net interest income rose by 11.10% year-on-year to ₹3,469.71 crore, showcasing improved profitability from core banking operations. The bank also achieved a record low gross non-performing asset (NPA) ratio of 1.42%, down from 2.14% a year ago, and net NPAs compressed to just 0.21%. These figures demonstrate a significant improvement in asset quality, which is a critical factor for banks.<BR><BR>Moreover, the return on equity (ROE) stands at a healthy 14.37%, indicating efficient use of equity capital. However, despite these strong results, the stock has underperformed in the market, raising some concerns among investors regarding valuation. The bank's current trading multiples are higher than those of many peers, which may lead to cautious sentiment in the market.<BR><BR>In summary, while the operational metrics are strong and reflect a turnaround in the bank's performance, the stock's market reaction suggests that investors are wary, primarily due to valuation concerns.

Should I buy, sell or hold Indian Overseas Bank?

Why is Indian Overseas Bank falling/rising?

As of 05-May, the stock price of Indian Overseas Bank is currently at 34.57, reflecting a decline of -0.86%. The stock has underperformed its sector and has been on a downward trend for three consecutive days, with a year-to-date drop of -4.37% despite some positive long-term fundamentals.

As of 05-May, the stock price of Indian Overseas Bank is falling, currently at 34.57, reflecting a change of -0.3 (-0.86%). The stock has underperformed its sector by -0.51% today and has been on a consecutive decline for the last three days, resulting in a total drop of -1.59% during this period. <BR><BR>In terms of recent performance, the stock has experienced a weekly decline of -1.12%, while the benchmark Sensex has increased by +0.17%. Year-to-date, the stock is down -4.37%, contrasting with the Sensex, which is down -9.63%. Over the past year, Indian Overseas Bank has seen a decline of -8.18%, while the Sensex has only fallen by -4.68%. <BR><BR>Additionally, there has been a notable decrease in investor participation, with delivery volume dropping by -16.09% compared to the five-day average. Although the stock is trading above its 20-day and 50-day moving averages, it is below its 5-day, 100-day, and 200-day moving averages, indicating a bearish trend. <BR><BR>Despite some positive long-term fundamentals, such as a low Gross NPA ratio of 1.42% and a strong CAGR growth in net profits of 44.33%, these factors have not been sufficient to counteract the recent price declines. The stock's performance today and over the past few days suggests a prevailing negative sentiment among investors.

Which are the latest news on I O B?