Indian Overseas Bank : Investor Presentation Q4 FY 2024-25

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[{"type":"text","content":"\n \n \n Performance Analysis\n \n \n For Quarter / Year Ended,\n \n \n 31st March 2025.\n \n \n 02.05.2025\n \n \n \n 1\n INDEX\n \n VISION\n \n \n ----------\n \n \n 3\n \n \n PERFORMANCE HIGHLIGHTS\n \n \n ----------\n \n \n 4\n \n \n FINANCIAL PERFORMANCE\n \n \n ----------\n \n \n 6\n \n \n BUSINESS PERFORMANCE\n \n \n ----------\n \n \n 14\n \n \n NPA MANAGEMENT\n \n \n ----------\n \n \n 22\n \n \n CAPITAL ADEQUACY\n \n \n ----------\n \n \n 25\n \n \n FINANCIAL INCLUSION\n \n \n ----------\n \n \n 27\n \n \n DIGITAL INITIATIVES\n \n \n ----------\n \n \n 32\n \n \n CUSTOMER TOUCH POINT\n \n \n ----------\n \n \n 41\n \n \n SHARE HOLDING PATTERN\n \n \n ----------\n \n \n 44\n \n \n ASSETS & LIABILITIES\n \n \n ----------\n \n \n 45\n \n \n ESG INITIATIVES\n \n \n ----------\n \n \n 46\n \n \n ACCOLADES & AWARDS\n \n \n ………..\n \n \n 53\n \n 2\n Performance Analysis Q4/FY 24-25\n Indian Overseas\"Bank\n Good people to grow with\n Shri M Ct M Chidambaram Chettyar\n \n \n IOB Founder Chairman\n \n \n 3\n PERFORMANCE HIGHLIGHTS\n BUSINESS GROWTH\n \n (Rs. In Crores)\n \n \n \n Parameters\n \n \n \n FY 2023-24\n \n \n \n FY 2024-25\n \n \n \n Y-O-Y ( %)\n \n \n \n BUSINESS GROWTH\n \n \n CASA\n \n \n 125508\n \n \n 136161\n \n \n 8.49%\n \n \n CASA%\n \n \n 43.90%\n \n \n 43.65%\n \n \n (25 bps)\n \n \n Total Deposits\n \n \n 285905\n \n \n 311939\n \n \n 9.11%\n \n \n Home Loan\n \n \n 27621\n \n \n 31168\n \n \n 12.84%\n \n \n Jewel Loan\n \n \n 47732\n \n \n 69188\n \n \n 44.95%\n \n \n Advances\n \n \n 219018\n \n \n 250019\n \n \n 14.15%\n \n \n Business\n \n \n 504923\n \n \n 561958\n \n \n 11.30%\n \n PROFITABILITY\n \n Parameters\n \n \n FY 2023-24\n \n \n FY 2024-25\n \n \n Y-o-Y ( %)\n \n \n \n Profitablity\n \n \n Net Interest Income\n \n \n 9829\n \n \n 10890\n \n \n 10.80%\n \n \n Net Interest Margin\n \n \n 3.28%\n \n \n 3.25%\n \n \n (3 bps)\n \n \n Operating Expenses\n \n \n 8722\n \n \n 7747\n \n \n -11.17%\n \n \n Operating Profit\n \n \n 6764\n \n \n 8688\n \n \n 28.44%\n \n \n Net Profit\n \n \n 2656\n \n \n 3335\n \n \n 25.25%\n \n 4\n Performance Analysis Q4/FY 24-25\n PERFORMANCE HIGHLIGHTS\n ASSET QUALITY\n \n (Rs. In Crores)\n \n \n Parameters\n \n \n FY 2023-24\n \n \n FY 2024-25\n \n \n Y-o-Y (%)\n \n \n \n ASSET QUALITY\n \n \n Gross NPA\n \n \n 6794\n \n \n 5348\n \n \n -21.29%\n \n \n Net...

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