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INDIAN OVERSEAS BANK
Sector : Banks


BSE  10.65   0.65   (6.5%)   BSE Code : 532388   NSE Code : IOB

PREV. CLOSE
10.0
OPEN PRICE
10.55
CLOSE PRICE
10.65
VOLUME
427790
TODAY's LOW
10.54
TODAY's HIGH
10.71




Important Levels
Pivot Points - 10.63
Resistance 1 10.73
Resistance 2 10.8
Support 1 10.56
Support 2 10.46

Price History

Price History
Date Open High Low Close Gain / Loss % Volume
12/08/2020 10.55 10.71 10.54 10.65 6.5 427790
11/08/2020 10.4 10.45 10.31 10.35 3.5 204741
10/08/2020 10.44 10.51 10.33 10.36 3.6 316070
05/08/2020 10.25 10.55 10.24 10.41 4.1 491062
04/08/2020 10.4 10.4 10.26 10.32 3.2 346867
03/08/2020 10.34 10.4 10.24 10.32 3.2 155501
31/07/2020 10.65 10.65 10.24 10.33 3.3 132700
30/07/2020 10.9 10.95 10.4 10.49 4.9 458666
29/07/2020 10.45 10.95 10.35 10.66 6.6 389103
27/07/2020 10.8 10.95 10.34 10.37 3.7 321375

Peer Comparison

Name   Current Price 5 Days Old 10 Days Old 15 Days Old 20 Days Old
AXIS BANK LTD. Price 450.95 428.9 431.65 433.8 439.5
Gain / Loss % 0.66 5.14 4.47 3.95 2.61
BANK OF BARODA Price 48.6 46.55 46.7 48.65 51.55
Gain / Loss % 3.4 4.4 4.07 -0.1 -5.72
BANK OF INDIA Price 49.05 48.85 45.95 47.05 49.3
Gain / Loss % 2.19 0.41 6.75 4.25 -0.51
BANK OF MAHARASHTRA Price 12.14 11.93 11.72 10.74 11.57
Gain / Loss % 10.36 1.76 3.58 13.04 4.93
CANARA BANK Price 102.15 104.45 99.65 103.0 104.55
Gain / Loss % 1.14 -2.2 2.51 -0.83 -2.3
CENTRAL BANK OF INDIA Price 18.2 17.55 16.85 16.85 17.45
Gain / Loss % 1.11 3.7 8.01 8.01 4.3
CITY UNION BANK LTD. Price 117.95 117.0 122.55 123.95 132.2
Gain / Loss % -0.88 0.81 -3.75 -4.84 -10.78
DEVELOPMENT CREDIT BANK LTD. Price 83.15 80.65 78.45 81.55 83.1
Gain / Loss % 1.4 3.1 5.99 1.96 0.06
Dhanlaxmi Bank Limited Price 13.09 12.41 12.77 13.24 13.84
Gain / Loss % 19 5.48 2.51 -1.13 -5.42
FEDERAL BANK LTD. Price 54.0 52.3 56.0 53.65 54.2
Gain / Loss % 0 3.25 -3.57 0.65 -0.37
HDFC BANK LTD. Price 1063.75 1041.4 1079.05 1132.8 1105.35
Gain / Loss % -0.3 2.15 -1.42 -6.1 -3.76
ICICI BANK LTD. Price 366.8 351.05 358.5 362.85 360.35
Gain / Loss % -0.05 4.49 2.32 1.09 1.79
IDBI BANK LTD. Price 39.95 38.55 36.9 40.0 43.35
Gain / Loss % 2.44 3.63 8.27 -0.12 -7.84
INDIAN BANK Price 64.2 58.25 56.75 61.55 63.9
Gain / Loss % 0.31 10.21 13.13 4.31 0.47
INDIAN OVERSEAS BANK Price 10.65 10.32 10.37 10.5 10.76
Gain / Loss % 6.5 3.2 2.7 1.43 -1.02
INDUSIND BANK LTD. Price 520.5 492.6 506.4 528.5 539.15
Gain / Loss % -0.1 5.66 2.78 -1.51 -3.46
JAMMU & KASHMIR BANK LTD. Price 17.6 16.05 16.05 17.15 18.85
Gain / Loss % 3.53 9.66 9.66 2.62 -6.63
KARNATAKA BANK LTD. Price 42.7 42.05 43.1 45.4 47.1
Gain / Loss % 1.67 1.55 -0.93 -5.95 -9.34
KARUR VYSYA BANK LTD. Price 35.0 32.15 30.35 31.45 34.8
Gain / Loss % 0 8.86 15.32 11.29 0.57
KOTAK MAHINDRA BANK LTD. Price 1335.4 1323.95 1322.45 1318.6 1349.5
Gain / Loss % -2.1 0.86 0.98 1.27 -1.04
LAKSHMI VILAS BANK LTD. Price 21.0 18.85 19.4 21.35 22.35
Gain / Loss % 0 11.41 8.25 -1.64 -6.04
PUNJAB & SIND BANK Price 13.36 13.36 13.45 13.05 13.95
Gain / Loss % 2.77 0 -0.67 2.38 -4.23
PUNJAB NATIONAL BANK Price 33.8 32.6 32.35 34.5 35.05
Gain / Loss % 5.62 3.68 4.48 -2.03 -3.57
SOUTH INDIAN BANK LTD. Price 7.34 6.81 6.97 7.54 8.02
Gain / Loss % 4.86 7.78 5.31 -2.65 -8.48
STATE BANK OF INDIA Price 203.35 191.65 187.15 190.65 195.65
Gain / Loss % 4.28 6.1 8.66 6.66 3.94
UCO BANK Price 13.92 13.94 13.17 13.6 13.93
Gain / Loss % 7.08 -0.14 5.69 2.35 -0.07
UNION BANK OF INDIA Price 30.85 29.1 29.55 31.0 32.05
Gain / Loss % 2.83 6.01 4.4 -0.48 -3.74
YES BANK LTD. Price 16.35 12.22 12.3 19.45 25.5
Gain / Loss % 9 33.8 32.93 -15.94 -35.88

Technical Indicators

Simple Moving Average
5 Days 10.42
10 Days 10.43
15 Days 10.55
25 Days 10.59
30 Days 10.83
Exponential Moving Average
5 Days 10.47
10 Days 10.47
12 Days 10.49
20 Days 10.51

MACD
12 Day EMA 10.49
26 Day EMA 10.47
MACD 0.01
Signal Line 0.06
Other Technical Indicators
Non - Smoothed RSI 98.84
Smoothed RSI 95.65
ROC -2.47
William %R -69.17
Upper Bollinger Band 11
Lower Bollinger Band 10.01
Middle Bollinger Band 10.5

Technical Analysis
Over Bought by RSI? Yes
Over Sold by RSI? No
Over Bought by ROC? No
Over Sold by ROC? No
Over Bought by W%R? No
Over Sold by W%R? No

CandleStick Chart

Financials

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

DISCLAIMER
Copyright 2018 -- All Rights Reserved. Stock trading involves high risk. The predictions made herein do not constitute an offer to sell or solicitation to buy any of the securities mentioned. No representations shall be entertained that the predictions made herein will be profitable or otherwise. Readers using the information contained herein are solely responsible for their actions. The information is based on our personal assessment / judgement and we shall not be liable for any losses and damages.