I O B

When is the next results date for I O B?

No Upcoming Board Meetings

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.

Are Indian Overseas Bank latest results good or bad?

Indian Overseas Bank's latest results show strong growth with a net profit increase of 57.81% and improved asset quality, but the stock has underperformed, declining 33.32% over the past year and trading at a high valuation compared to peers. Overall, while the financial performance is positive, the stock's outlook remains concerning.

The latest results for Indian Overseas Bank (IOB) indicate a mixed performance. On one hand, the bank reported a net profit of ₹1,226.42 crores for Q3 FY26, which represents a significant year-on-year increase of 57.81%. Additionally, net interest income rose by 20.57% to ₹3,059.14 crores, and the gross non-performing asset (NPA) ratio improved to 1.83%, down from 2.72% a year ago. These figures suggest strong operational performance and improvements in asset quality.<BR><BR>However, despite these positive financial metrics, the bank's stock has been underperforming significantly. Over the past year, IOB's shares have declined by 33.32%, contrasting sharply with the broader Public Sector Bank index, which gained 33.21%. The stock is currently trading at a premium valuation, with a price-to-earnings ratio of 16.02x, which is nearly double that of its peers, despite delivering lower returns on equity.<BR><BR>In summary, while the financial results show strong growth and improving asset quality, the stock's performance and valuation concerns present a more negative outlook. Investors may want to consider these factors carefully.

Should I buy, sell or hold Indian Overseas Bank?

Why is Indian Overseas Bank falling/rising?

As of 16-Mar, the stock price of Indian Overseas Bank is currently Rs. 32.27, down 1.13% and reaching a new 52-week low. Despite strong lending practices and consistent profit growth, the stock has underperformed significantly, with a year-to-date decline of 10.73% and a yearly drop of 22.50%.

As of 16-Mar, the stock price of Indian Overseas Bank is falling, currently at Rs. 32.27, reflecting a decrease of Rs. 0.37 or 1.13%. This decline is part of a broader trend, as the stock has been losing value for the last two days, resulting in a total drop of 4.81% during this period. Additionally, the stock has hit a new 52-week low of Rs. 31.58 today.<BR><BR>The performance of Indian Overseas Bank has also underperformed compared to the sector, with a performance lag of 1.15%. Furthermore, the stock is trading below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating a bearish trend.<BR><BR>In terms of market performance, over the past month, the stock has decreased by 8.06%, while the benchmark Sensex has fallen by 9.34%. Year-to-date, Indian Overseas Bank's stock is down 10.73%, which is slightly better than the Sensex's decline of 11.40%. However, the stock's performance over the past year shows a significant drop of 22.50%, contrasting sharply with the Sensex's gain of 2.27%.<BR><BR>Despite these negative indicators, there are some positive aspects, such as strong lending practices and a low Gross NPA ratio of 1.54%. The company has also reported consistent profit growth, with a 52.72% CAGR in net profits over the long term. However, these strengths have not translated into stock price appreciation recently, as evidenced by the current downward trend.

Which are the latest news on I O B?