Key Financial Ratios of Indian Overseas Bank (in Rs. Cr.) |
Mar 20 |
Mar 19 |
Mar 18 |
Mar 17 |
Mar 16 |
|
Per Share Ratios |
|
|
|
|
|
|
Basic EPS (Rs.) |
-7.99 |
-6.83 |
-23.25 |
-15.78 |
-19.86 |
|
Diluted EPS (Rs.) |
-7.99 |
-6.83 |
-23.25 |
-15.78 |
-19.86 |
|
Cash EPS (Rs.) |
-5.01 |
-3.76 |
-12.32 |
-13.04 |
-14.94 |
|
Book Value [Excl. Reval Reserve]/Share (Rs.) |
9.83 |
17.90 |
27.14 |
47.17 |
73.34 |
|
Book Value [Incl. Reval Reserve]/Share (Rs.) |
9.83 |
17.90 |
27.14 |
55.99 |
86.68 |
|
Dividend/Share (Rs.) |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
Operating Revenue / Share (Rs.) |
10.59 |
19.29 |
36.63 |
80.33 |
130.13 |
|
Net Profit/Share (Rs.) |
-5.19 |
-4.09 |
-12.88 |
-13.92 |
-16.03 |
|
Per Employee Ratios |
|
|
|
|
|
|
Interest Income/ Employee (Rs.) |
7,002,499.26 |
6,690,165.14 |
6,412,947.45 |
6,615,647.49 |
7,384,693.49 |
|
Net Profit/ Employee (Rs.) |
-3,430,584.34 |
-1,418,335.36 |
-2,254,975.66 |
-1,146,325.77 |
-909,793.22 |
|
Business/ Employee (Rs.) |
138,506,371.04 |
134,754,385.22 |
125,043,180.84 |
118,030,344.56 |
121,012,029.01 |
|
Per Branch Ratios |
|
|
|
|
|
|
Interest Income/ Branch (Rs.) |
53,229,701.53 |
53,753,845.12 |
53,767,136.85 |
58,460,121.26 |
69,229,599.35 |
|
Net Profit/ Branches (Rs.) |
-26,077,686.54 |
-11,395,978.66 |
-18,906,062.42 |
-10,129,672.69 |
-8,529,077.13 |
|
Business/ Branches (Rs.) |
1,052,860,203.36 |
1,082,718,618.29 |
1,048,381,242.50 |
1,042,992,128.67 |
1,134,456,601.71 |
|
Key Performance Ratios |
|
|
|
|
|
|
ROCE (%) |
1.44 |
2.05 |
1.51 |
1.51 |
1.07 |
|
CASA (%) |
40.25 |
38.29 |
36.74 |
36.08 |
28.72 |
|
Net Profit Margin (%) |
-48.99 |
-21.20 |
-35.16 |
-17.32 |
-12.31 |
|
Operating Profit Margin (%) |
-68.29 |
-45.05 |
-56.07 |
-34.43 |
-23.07 |
|
Return on Assets (%) |
-3.27 |
-1.49 |
-2.54 |
-1.38 |
-1.05 |
|
Return on Equity / Networth (%) |
-52.78 |
-22.84 |
-47.45 |
-29.50 |
-21.85 |
|
Net Interest Margin (X) |
2.03 |
2.11 |
2.20 |
2.09 |
1.96 |
|
Cost to Income (%) |
82.77 |
60.55 |
71.61 |
51.87 |
41.49 |
|
Interest Income/Total Assets (%) |
6.67 |
7.05 |
7.22 |
7.97 |
8.56 |
|
Non-Interest Income/Total Assets (%) |
1.28 |
1.68 |
1.51 |
1.36 |
0.92 |
|
Operating Profit/Total Assets (%) |
-4.55 |
-3.17 |
-4.05 |
-2.74 |
-1.97 |
|
Operating Expenses/Total Assets (%) |
1.96 |
1.78 |
2.25 |
1.98 |
1.83 |
|
Interest Expenses/Total Assets (%) |
4.64 |
4.94 |
5.01 |
5.87 |
6.60 |
|
Valuation Ratios |
|
|
|
|
|
|
Enterprise Value (Rs. Cr) |
236,870.21 |
231,569.84 |
222,917.02 |
222,519.01 |
243,140.07 |
|
EV Per Net Sales (X) |
13.61 |
13.13 |
12.44 |
11.28 |
10.34 |
|
Price To Book Value (X) |
0.72 |
0.81 |
0.64 |
0.57 |
0.41 |
|
Price To Sales (X) |
0.67 |
0.75 |
0.47 |
0.33 |
0.23 |
|
Retention Ratios (%) |
100.00 |
100.00 |
100.00 |
100.00 |
100.00 |
|
Earnings Yield (X) |
-0.73 |
-0.28 |
-0.75 |
-0.52 |
-0.53 |
|
Source : Dion Global Solutions Limited