INDIAN OVERSEAS BANK Results
Basel I Basel
INDIAN OVERSEAS BANK
PERFORMANCE HIGHLIGHTS – 30.06.2012
ADVANCES TOTAL BUSINESS NII DEPOSITS NET PROFIT
(YOY) (YOY) (Q1) (YOY) (YOY)
24.52% 23.28% 11.84% 22.30% 13.55%
1. TOTAL BUSINESS: Total business grew from ` 2,70,320 crore as on 30.06.2011 to ` 3,33,250 crore as on 30.06.2012 recording a year on year growth of 23.28%.
2. DEPOSITS: Total Deposits grew from ` 1,51,173 crore as on 30.06.2011 to ` 1,84,884 crore as on 30.06.2012 recording a year on year growth of 22.30 %.
3. ADVANCES: Gross Advances increased from ` 1,19,148 crore as on 30.06.2011 to ` 1,48,366 crore as on 30.06.2012 registering a growth of 24.52% .
4. OPERATING PROFIT: Operating Profit for the three months ended 30.06.2012 is ` 846.78 crore as against ` 802.60 crore for the corresponding quarter of last year registering a growth of 5.50%
5. NET PROFIT: Net Profit for the three months period ended 30/06/2012 is `. 233.44 Crore as against `. 205.58 Crore for the corresponding quarter of last year registering a growth of 13.55%.
6. TOTAL INCOME: Total Income for the quarter ended 30.06.2012 is at `. 5,402.85 Crore as against ` 4,331.77 crore for the corresponding quarter of last year, registering a growth of 24.73%
7. INTEREST INCOME: Interest income for the quarter ended 30.06.2012 is at `. 5,026.16 Crore as against `. 3,992.58 Crore for the corresponding quarter of last year, registering a growth of 25.89%
8. NON INTEREST INCOME: Non interest income for the quarter ended 30.06.2012 is at `. 376.69 Crore as against `. 339.19 Crore for the corresponding quarter of last year, registering a growth of 11.05%.
9. INTEREST EXPENSES: Interest Expenses for the quarter ended 30.06.2012 stood at ` 3,697.89 Crore as against ` 2,804.95 crore for the corresponding quarter of last year.
10. (A) NET INTEREST INCOME: Net interest income increased from ` 1,187.63 Crore from Q1 of 2011-12 to ` 1,328.28 crore for Q1 of 2012-13 recording a percentage growth of 11.84%.
(B) NET INTEREST MARGIN: NIM stood at 2.59% during the quarter ending 30.06.2012.
11. CAPITAL ADEQUACY RATIO (CRAR):
Tier I 7.22 7.92
Tier II 4.25 4.67
Total 11.47 12.59
Total Capital funds of the Bank stands at `. 17,549.22 crore as on 30.06.2012 as against ` 15,217 crore as on 30.06.2011.
12. BUSINESS PER EMPLOYEE: As on 30.06.2012, business per employee improved to ` 12.27 crore from ` 10.71 crore as at 30.06.2011.
13. CREDIT DEPOSIT RATIO: CD Ratio stood at 80.25% as on 30.06.2012.
14. CASA RATIO: CASA Ratio stood at 25.07% as on 30.06.2012.
15. BOOK VALUE PER SHARE: Book value per share has gone up from ` 118.71 as on 30.06.2011 to ` 125.98 as at the end of 30.06.2012.
16. EARNINGS PER SHARE (annualized): EPS for the quarter ended 30.06.2012 stood at `. 11.72 .
17. NPA Management: Gross NPA as on 30.06.2012 stood at ` 4,409.70 crore as against ` 3,291.64 crore as on 30.06.2011, with Gross NPA percentage of 2.97% and 2.76% respectively.
Net NPA as on 30.06.2012 stood at ` 2,152.09 crore as against ` 1,258.16 crore as on 30.06.2011, with Net NPA percentage of 1.48% and 1.08% respectively.
18. PROVISION COVERAGE RATIO: Provision Coverage Ratio (PCR) stood at 67.11 as on 30.06.2012.
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