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INDIAN OVERSEAS BANK
Sector : Banks


BSE  10.41   0.41   (4.1%)   BSE Code : 532388   NSE Code : IOB

PREV. CLOSE
10.0
OPEN PRICE
10.25
CLOSE PRICE
10.41
VOLUME
491062
TODAY's LOW
10.24
TODAY's HIGH
10.55




Important Levels
Pivot Points - 10.4
Resistance 1 10.56
Resistance 2 10.71
Support 1 10.25
Support 2 10.09

Price History

Price History
Date Open High Low Close Gain / Loss % Volume
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
24/07/2020 10.55 10.9 10.55 10.68 6.8 543782
23/07/2020 10.92 11.04 10.68 10.84 8.4 590214
22/07/2020 11.57 11.57 10.8 10.92 -0.73 2127520

Peer Comparison

Name   Current Price 5 Days Old 10 Days Old 15 Days Old 20 Days Old
AXIS BANK LTD. Price 434.85 425.8 479.05 418.0 447.3
Gain / Loss % 1.6 2.13 -9.23 4.03 -2.78
BANK OF BARODA Price 46.4 46.0 48.7 49.05 50.75
Gain / Loss % 0.87 0.87 -4.72 -5.4 -8.57
BANK OF INDIA Price 48.3 46.4 48.5 46.7 49.55
Gain / Loss % 0.62 4.09 -0.41 3.43 -2.52
BANK OF MAHARASHTRA Price 11.88 12.11 11.62 10.95 10.91
Gain / Loss % 8 -1.9 2.24 8.49 8.89
CANARA BANK Price 103.15 99.3 102.05 100.75 104.4
Gain / Loss % -0.82 3.88 1.08 2.38 -1.2
CENTRAL BANK OF INDIA Price 17.5 18.5 17.85 16.65 17.45
Gain / Loss % 2.94 -5.41 -1.96 5.11 0.29
CITY UNION BANK LTD. Price 116.2 122.75 124.35 124.85 130.85
Gain / Loss % -0.68 -5.34 -6.55 -6.93 -11.2
DEVELOPMENT CREDIT BANK LTD. Price 81.8 77.9 81.4 79.85 87.3
Gain / Loss % 2.25 5.01 0.49 2.44 -6.3
Dhanlaxmi Bank Limited Price 12.29 12.67 12.98 13.05 13.74
Gain / Loss % 2.42 -3 -5.32 -5.82 -10.55
FEDERAL BANK LTD. Price 52.35 54.15 56.65 51.1 55.9
Gain / Loss % 0.67 -3.32 -7.59 2.45 -6.35
HDFC BANK LTD. Price 1027.85 1050.45 1126.4 1059.2 1105.0
Gain / Loss % -1.26 -2.15 -8.75 -2.96 -6.98
ICICI BANK LTD. Price 352.2 345.05 381.1 345.6 375.7
Gain / Loss % 0.34 2.07 -7.58 1.91 -6.25
IDBI BANK LTD. Price 38.95 40.55 38.8 39.15 50.45
Gain / Loss % 2.5 -3.95 0.39 -0.51 -22.79
INDIAN BANK Price 58.15 58.25 61.05 61.0 65.1
Gain / Loss % 0.26 -0.17 -4.75 -4.67 -10.68
INDIAN OVERSEAS BANK Price 10.41 10.49 10.92 10.27 10.62
Gain / Loss % 4.1 -0.76 -4.67 1.36 -1.98
INDUSIND BANK LTD. Price 492.85 519.85 513.45 510.85 526.2
Gain / Loss % 0.17 -5.19 -4.01 -3.52 -6.34
JAMMU & KASHMIR BANK LTD. Price 16.05 15.95 16.7 17.3 18.25
Gain / Loss % 0.31 0.63 -3.89 -7.23 -12.05
KARNATAKA BANK LTD. Price 42.05 42.15 45.55 45.45 44.4
Gain / Loss % 0.12 -0.24 -7.68 -7.48 -5.29
KARUR VYSYA BANK LTD. Price 32.95 34.4 31.45 32.65 34.6
Gain / Loss % 2.97 -4.22 4.77 0.92 -4.77
KOTAK MAHINDRA BANK LTD. Price 1333.85 1388.05 1341.8 1298.35 1368.35
Gain / Loss % 0.82 -3.9 -0.59 2.73 -2.52
LAKSHMI VILAS BANK LTD. Price 19.15 20.7 20.4 22.6 23.75
Gain / Loss % 6.39 -7.49 -6.13 -15.27 -19.37
PUNJAB & SIND BANK Price 13.35 13.55 14.1 13.1 13.95
Gain / Loss % 2.69 -1.48 -5.32 1.91 -4.3
PUNJAB NATIONAL BANK Price 32.6 31.75 34.25 33.6 36.75
Gain / Loss % 1.87 2.68 -4.82 -2.98 -11.29
SOUTH INDIAN BANK LTD. Price 6.95 6.94 7.36 7.56 8.04
Gain / Loss % 15.83 0.14 -5.57 -8.07 -13.56
STATE BANK OF INDIA Price 191.5 186.55 192.0 186.1 188.55
Gain / Loss % 0.26 2.65 -0.26 2.9 1.56
UCO BANK Price 13.85 14.18 14.14 13.31 13.94
Gain / Loss % 6.54 -2.33 -2.05 4.06 -0.65
UNION BANK OF INDIA Price 29.35 29.25 30.8 30.4 32.1
Gain / Loss % 1.21 0.34 -4.71 -3.45 -8.57
YES BANK LTD. Price 12.83 11.95 18.25 20.95 25.75
Gain / Loss % 6.92 7.36 -29.7 -38.76 -50.17

Technical Indicators

Simple Moving Average
5 Days 10.37
10 Days 10.53
15 Days 10.49
25 Days 10.75
30 Days 10.82
Exponential Moving Average
5 Days 10.4
10 Days 10.47
12 Days 10.5
20 Days 10.53

MACD
12 Day EMA 10.5
26 Day EMA 10.48
MACD 0.02
Signal Line 0.11
Other Technical Indicators
Non - Smoothed RSI 98.72
Smoothed RSI 95.65
ROC 2.06
William %R -72.96
Upper Bollinger Band 11.16
Lower Bollinger Band 9.99
Middle Bollinger Band 10.57

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-18 Mar-17 Mar-15 Mar-14 Mar-13
Liabilities
Share Capital 4890.77 2454.73 1235.35 1235.35 924.1
Reserves & Surplus 8383.21 9124.38 12699.14 14934.82 12533.26
Net Worth 13273.98 13744.55 15641.02 16170.17 13457.36
Secured Loans 9228.08 16097.67 18232.41 24456.04 23322.86
Unsecured Loans 216831.81 211342.63 246048.72 227976.09 202135.35
TOTAL LIABILITIES 239333.87 241184.85 279922.15 268602.29 238915.56
Assets
Gross Block 2893.43 3001.54 2462.07 2567.1 1847.04
(-) Acc. Depreciation 0 0 0 0 0
Net Block 2893.43 836.1 755.54 2567.1 1847.04
Capital Work in Progress. 0 52.79 45 37.28 0
Investments 68645.94 71549.19 81310.35 70236.8 61417.35
Inventories 0 0 0 0 0
Sundry Debtors 0 0 0 0 0
Cash And Bank 26544.99 23223.03 24898.55 19008.78 15258.42
Loans And Advances 149883.75 149340.93 176921.03 183054.89 166133.23
Total Current Assets 176428.74 172563.96 201819.57 202063.66 181391.65
Current Liabilities 8634.24 5982.64 5714.83 6302.55 5740.47
Provisions 0 0 0 0 0
Total Current Liabilities 8634.24 5982.64 5714.83 6302.55 5740.47
NET CURRENT ASSETS 167794.5 166581.32 196104.74 195761.12 175651.18
Misc. Expenses 0 0 0 0 0
TOTAL ASSETS 239333.87 241184.85 279922.15 268602.29 238915.56

Profit and Loss

(Rs. in Crores)

Particulars Mar-18 Mar-17 Mar-16 Mar-15 Mar-14
INCOME:
Sales Turnover 17915.21 19718.60 23517.29 23938.33 22683.73
Excise Duty 0.00 0.00 0.00 0.00 0.00
NET SALES 17915.21 19718.60 23517.29 23938.33 22683.73
Other Income 0.00 0.00 0.00 0.00 0.00
TOTAL INCOME 21661.65 23091.23 26045.55 26076.93 24853.08
EXPENDITURE:
Manufacturing Expenses 0.00 0.00 0.00 0.00 0.00
Material Consumed 0.00 0.00 0.00 0.00 0.00
Personal Expenses 2994.15 3044.67 3390.40 2649.54 2362.61
Selling Expenses 0.60 1.92 0.00 0.00 0.00
Administrative Expenses 2317.71 1650.56 1438.62 1401.67 1244.99
Expenses Capitalised 0.00 0.00 0.00 0.00 0.00
Provisions Made 12260.79 6565.65 6613.56 3210.91 3154.20
TOTAL EXPENDITURE 17573.25 11262.80 11442.58 7262.12 6761.80
Operating Profit 155.11 492.43 553.68 1332.75 1969.22
EBITDA 16349.19 18394.09 21216.54 3471.34 4138.56
Depreciation 272.47 214.86 196.48 149.00 141.32
Other Write-offs 0.00 0.00 0.00 0.00 0.00
EBIT 16076.72 18179.22 21020.06 3322.34 3997.24
Interest 12447.64 14529.02 18134.60 18554.38 17106.92
EBT -8631.71 11613.57 -3728.11 111.43 843.04
Taxes -2332.21 501.29 -830.78 565.76 241.30
Profit and Loss for the Year -6299.50 11112.28 -2897.33 -454.33 601.74
Non Recurring Items 0.00 0.00 0.00 0.00 0.00
Other Non Cash Adjustments 0.00 0.00 0.00 0.00 0.00
Other Adjustments 0.00 -14529.02 0.00 0.00 0.00
REPORTED PAT -6299.50 -3416.74 -2897.33 -454.33 601.74
KEY ITEMS
Preference Dividend 0.00 0.00 0.00 0.00 0.00
Equity Dividend 0.00 0.00 0.00 0.00 128.30
Equity Dividend (%) 0.00 0.00 0.00 0.00 10.38
Shares in Issue (Lakhs) 48907.70 24547.29 18072.66 12353.48 12353.48
EPS - Annualised (Rs) -12.88 -13.92 -16.03 -3.68 4.87

Quarterly

(Rs. in Crores)

Particulars 2019-12 2019-09 2019-06 2019-03 2018-12
INCOME:
Net Sales Turnover 4351.9 4275.65 4336.39 4556.5 4542.42
Other Income 846.04 748.35 670.09 917.42 1146.17
TOTAL INCOME 5197.94 5024 5006.48 5473.92 5688.59
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 888.5 741.81 735.95 705.51 651.96
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 473.91 464.42 394.44 559.42 411.78
Provisions Made 6663.94 2996.04 1157.82 4501.92 2075.28
TOTAL EXPENSES 8026.35 4202.27 2288.21 5766.85 3139.02
Operating Profit -3674.45 73.38 2048.18 -1210.35 1403.4
EBITDA -2828.41 821.73 2718.27 -292.93 2549.57
Depreciation 0 0 0 0 0
EBIT 3835.53 3817.77 3876.09 4208.99 4624.85
Interest 3073.19 3071.76 3047.93 3077.49 3158.71
EBT 762.34 746.01 828.16 1131.5 1466.14
Taxes 173.89 3.61 12.42 -1385.26 -263.12
Profit and Loss for the Year 588.45 742.4 815.74 2516.76 1729.26
Extraordinary Items 0 0 0 0 0
Prior Year Adjustment 0 0 0 0 0
Other Adjustments -6663.94 -2996.04 -1157.82 -4501.92 -2075.28
REPORTED PAT -6075.49 -2253.64 -342.08 -1985.16 -346.02
KEY ITEMS:
Reserves Written Back 0 0 0 0 0
Equity capital 12585.4 9141.65 9141.65 9141.65 6263.78
Reserves and Surplus 0 0 0 4733.24 6279.96
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 94.56 92.52 92.52 92.52 91.99
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-18 Mar-17 Mar-16 Mar-15 Mar-14
Key Stats
Earnings Per Share -12.88 -13.92 -16.03 -3.68 4.87
Profitability Ratios
Operating Profit Margin(%) 0.87 2.5 2.35 5.57 8.68
Profit Before Interest And Tax Margin(%) 89.74 92.19 89.38 13.88 17.62
Net Profit Margin(%) -35.16 -17.33 -12.32 -1.9 2.65
Return On Capital Employed(%) -2.73 4.72 -1.06 -0.17 0.26
Return On Net Worth(%) -47.46 -24.86 -18.52 -2.81 4.47
Return on Assets(%) -2.63 -1.42 -1.04 -0.17 0.25
Tax Rate(%) 27.02 4.32 22.28 507.73 28.62
Liquidity And Solvency Ratios
Current Ratio 20.43 28.84 35.32 32.06 31.6
Quick Ratio 20.43 28.84 35.32 32.06 31.6
Debt Equity Ratio 17.03 16.55 16.9 15.61 16.75
Liquidity And Solvency Ratios
Interest Coverage Ratio 1.29 1.25 1.16 0.18 0.23
Management Efficiency Ratios
Inventory Turnover Ratio ? ? ? ? ?
Total Assets Turnover Ratio 0.07 0.08 0.08 0.09 0.09
Margin Ratios
Core EBITDA Margin(%) 75.48 79.66 81.46 13.31 16.65
EBIT Margin(%) 74.22 78.73 80.7 12.74 16.08
PAT Margin(%) -35.16 -17.33 -12.32 -1.9 2.65

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.