Balance Sheet
(Rs. in Crores)
Particulars
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
Mar-15
|
Liabilities
|
Share Capital
|
16436.99
|
9141.65
|
4890.77
|
2454.73
|
1235.35
|
Reserves & Surplus
|
-282.01
|
7218.23
|
8383.21
|
9124.38
|
12699.14
|
Net Worth
|
16154.98
|
16359.88
|
13273.98
|
13744.55
|
15641.02
|
Secured Loans
|
5419.73
|
6146.04
|
9228.08
|
16097.67
|
18232.41
|
Unsecured Loans
|
222951.88
|
222534.08
|
216831.81
|
211342.63
|
246048.72
|
TOTAL LIABILITIES
|
244526.59
|
245039.99
|
239333.87
|
241184.85
|
279922.15
|
Assets
|
Gross Block
|
3123.86
|
3321.35
|
2893.43
|
3001.54
|
2462.07
|
(-) Acc. Depreciation
|
0
|
0
|
0
|
0
|
0
|
Net Block
|
3123.86
|
3321.35
|
2893.43
|
836.1
|
755.54
|
Capital Work in Progress.
|
3.48
|
15.55
|
0
|
52.79
|
45
|
Investments
|
79416.08
|
66932.27
|
68645.94
|
71549.19
|
81310.35
|
Inventories
|
0
|
0
|
0
|
0
|
0
|
Sundry Debtors
|
0
|
0
|
0
|
0
|
0
|
Cash And Bank
|
24060.66
|
30891.5
|
26544.99
|
23223.03
|
24898.55
|
Loans And Advances
|
154122.75
|
148847.68
|
149883.75
|
149340.93
|
176921.03
|
Total Current Assets
|
178183.41
|
179739.18
|
176428.74
|
172563.96
|
201819.57
|
Current Liabilities
|
16200.24
|
4968.36
|
8634.24
|
5982.64
|
5714.83
|
Provisions
|
0
|
0
|
0
|
0
|
0
|
Total Current Liabilities
|
16200.24
|
4968.36
|
8634.24
|
5982.64
|
5714.83
|
NET CURRENT ASSETS
|
161983.16
|
174770.82
|
167794.5
|
166581.32
|
196104.74
|
Misc. Expenses
|
0
|
0
|
0
|
0
|
0
|
TOTAL ASSETS
|
244526.59
|
245039.99
|
239333.87
|
241184.85
|
279922.15
|
|
Profit and Loss
(Rs. in Crores)
Particulars
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
Mar-16
|
INCOME:
|
Sales Turnover
|
17406.11
|
17631.26
|
17915.21
|
19718.60
|
23517.29
|
Excise Duty
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
NET SALES
|
17406.11
|
17631.26
|
17915.21
|
19718.60
|
23517.29
|
Other Income
|
3359.6789
|
4206.3209
|
0.00
|
0.00
|
0.00
|
TOTAL INCOME
|
20765.79
|
21837.58
|
21661.65
|
23091.23
|
26045.55
|
EXPENDITURE:
|
Manufacturing Expenses
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
Material Consumed
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
Personal Expenses
|
3240.72
|
2646.85
|
2994.15
|
3044.67
|
3390.40
|
Selling Expenses
|
.98
|
.91
|
0.60
|
1.92
|
0.00
|
Administrative Expenses
|
13464.69
|
12493.99
|
2317.71
|
1650.56
|
1438.62
|
Expenses Capitalised
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
Provisions Made
|
11878.16
|
10994.41
|
12260.79
|
6565.65
|
6613.56
|
TOTAL EXPENDITURE
|
28584.55
|
26136.16
|
17573.25
|
11262.80
|
11442.58
|
Operating Profit
|
-11403.55
|
-9862.62
|
155.11
|
492.43
|
553.68
|
EBITDA
|
15937.57
|
17690.24
|
16349.19
|
18394.09
|
21216.54
|
Depreciation
|
300.61
|
304.24
|
272.47
|
214.86
|
196.48
|
Other Write-offs
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
EBIT
|
15636.96
|
17386.00
|
16076.72
|
18179.22
|
21020.06
|
Interest
|
12103.28
|
12352.13
|
12447.64
|
14529.02
|
18134.60
|
EBT
|
-8344.48
|
-5960.54
|
-8631.71
|
11613.57
|
-3728.11
|
Taxes
|
182.92
|
-2222.66
|
-2332.21
|
501.29
|
-830.78
|
Profit and Loss for the Year
|
-8527.40
|
-3737.88
|
-6299.50
|
11112.28
|
-2897.33
|
Non Recurring Items
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
Other Non Cash Adjustments
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
Other Adjustments
|
.00
|
.00
|
0.00
|
-14529.02
|
0.00
|
REPORTED PAT
|
-8527.40
|
-3737.88
|
-6299.50
|
-3416.74
|
-2897.33
|
KEY ITEMS
|
Preference Dividend
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
Equity Dividend
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
Equity Dividend (%)
|
.00
|
.00
|
0.00
|
0.00
|
0.00
|
Shares in Issue (Lakhs)
|
164369.88
|
91416.48
|
48907.70
|
24547.29
|
18072.66
|
EPS - Annualised (Rs)
|
-5.187933458
|
-4.088847
|
-12.88
|
-13.92
|
-16.03
|
|
Quarterly
(Rs. in Crores)
Particulars
|
2020-09
|
2020-06
|
2020-03
|
2019-12
|
2019-09
|
INCOME:
|
Net Sales Turnover
|
4362.54
|
4301.84
|
4442.17
|
4351.9
|
4275.65
|
Other Income
|
1068.04
|
931.79
|
1041.89
|
846.04
|
748.35
|
TOTAL INCOME
|
5430.58
|
5233.63
|
5484.06
|
5197.94
|
5024
|
EXPENDITURE:
|
Stock Adjustments
|
0
|
0
|
0
|
0
|
0
|
Raw Material Consumed
|
0
|
0
|
0
|
0
|
0
|
Power and Fuel
|
0
|
0
|
0
|
0
|
0
|
Employee Expenses
|
803.19
|
883.98
|
874.46
|
888.5
|
741.81
|
Administration and Selling Expenses
|
0
|
0
|
0
|
0
|
0
|
Research and Development Expenses
|
0
|
0
|
0
|
0
|
0
|
Expenses Capitalised
|
0
|
0
|
0
|
0
|
0
|
Other Expenses
|
479.93
|
365.98
|
555.34
|
473.91
|
464.42
|
Provisions Made
|
1192.55
|
969.52
|
1060.38
|
6663.94
|
2996.04
|
TOTAL EXPENSES
|
2475.67
|
2219.48
|
2490.18
|
8026.35
|
4202.27
|
Operating Profit
|
1886.87
|
2082.36
|
1951.99
|
-3674.45
|
73.38
|
EBITDA
|
2954.91
|
3014.15
|
2993.88
|
-2828.41
|
821.73
|
Depreciation
|
0
|
0
|
0
|
0
|
0
|
EBIT
|
4147.46
|
3983.67
|
4054.26
|
3835.53
|
3817.77
|
Interest
|
2801.24
|
2889.52
|
2910.4
|
3073.19
|
3071.76
|
EBT
|
1346.22
|
1094.15
|
1143.86
|
762.34
|
746.01
|
Taxes
|
5.53
|
3.94
|
-7
|
173.89
|
3.61
|
Profit and Loss for the Year
|
1340.69
|
1090.21
|
1150.86
|
588.45
|
742.4
|
Extraordinary Items
|
0
|
0
|
0
|
0
|
0
|
Prior Year Adjustment
|
0
|
0
|
0
|
0
|
0
|
Other Adjustments
|
-1192.55
|
-969.52
|
-1060.38
|
-6663.94
|
-2996.04
|
REPORTED PAT
|
148.14
|
120.69
|
143.79
|
-6075.49
|
-2253.64
|
KEY ITEMS:
|
Reserves Written Back
|
0
|
0
|
0
|
0
|
0
|
Equity capital
|
16436.99
|
16436.99
|
16436.99
|
12585.4
|
9141.65
|
Reserves and Surplus
|
0
|
0
|
0
|
0
|
0
|
Equity Dividend Rate
|
0
|
0
|
0
|
0
|
0
|
Agg. Non-Promoter Shares(lacks)
|
0
|
0
|
0
|
0
|
0
|
Agg. Non-Promoter Holding (%)
|
0
|
0
|
0
|
0
|
0
|
Government Share
|
95.84
|
95.84
|
95.84
|
94.56
|
92.52
|
Capital Adequacy Ratio
|
0
|
0
|
0
|
0
|
0
|
EPS (Rs.)
|
0
|
0
|
0
|
0
|
0
|
|
Key Ratios
Key Financial ratios of INDIAN OVERSEAS BANK
|
Mar-20
|
Mar-19
|
Mar-18
|
Mar-17
|
Mar-16
|
Key Stats
|
Earnings Per Share
|
-5.19
|
-4.09
|
-12.88
|
-13.92
|
-16.03
|
Profitability Ratios
|
Operating Profit Margin(%)
|
-65.51
|
-55.94
|
0.87
|
2.5
|
2.35
|
Profit Before Interest And Tax Margin(%)
|
89.84
|
98.61
|
89.74
|
92.19
|
89.38
|
Net Profit Margin(%)
|
-48.99
|
-21.2
|
-35.16
|
-17.33
|
-12.32
|
Return On Capital Employed(%)
|
-3.73
|
-1.56
|
-2.73
|
4.72
|
-1.06
|
Return On Net Worth(%)
|
-52.78
|
-22.85
|
-47.46
|
-24.86
|
-18.52
|
Return on Assets(%)
|
-3.49
|
-1.53
|
-2.63
|
-1.42
|
-1.04
|
Tax Rate(%)
|
-2.19
|
37.29
|
27.02
|
4.32
|
22.28
|
Liquidity And Solvency Ratios
|
Current Ratio
|
11
|
36.18
|
20.43
|
28.84
|
35.32
|
Quick Ratio
|
11
|
36.18
|
20.43
|
28.84
|
35.32
|
Debt Equity Ratio
|
14.14
|
13.98
|
17.03
|
16.55
|
16.9
|
Liquidity And Solvency Ratios
|
Interest Coverage Ratio
|
1.29
|
1.41
|
1.29
|
1.25
|
1.16
|
Management Efficiency Ratios
|
Inventory Turnover Ratio
|
?
|
?
|
?
|
?
|
?
|
Total Assets Turnover Ratio
|
0.07
|
0.07
|
0.07
|
0.08
|
0.08
|
Margin Ratios
|
Core EBITDA Margin(%)
|
76.75
|
81.01
|
75.48
|
79.66
|
81.46
|
EBIT Margin(%)
|
75.3
|
79.62
|
74.22
|
78.73
|
80.7
|
PAT Margin(%)
|
-48.99
|
-21.2
|
-35.16
|
-17.33
|
-12.32
|
|