Indian Overseas Bank · NSE:IOB

Indian Overseas Bank — Q4 FY2023 Earnings Presentation

43 slides from Indian Overseas Bank's earnings presentation, May 14, 2023

1. Slide 1: Performance Analysis Q4-FY23

   IOB Savingss & Deposit PERFORMANCE IOB Agri Loans 87 IOB Housing Loans ANALYSIS IOB YEARS OF EXCELLANCE Q4-FY23 DIGITAL IOB BANKING Lockers UNITS 12-05-2023 IOB MSME

2. Slide 2: Vision at Glance: Vision, Core Value, Mission

   VISION AT GLANCE VISION PERFORMANCE VISION HIGHLIGHTS "TO EMERGE AS THE PREFERRED BANK CONNECTING FINANCIAL PERFORMANCE GENERATIONS WITH HIGH STANDARDS OF ETHICS AND GOVERNANCE" BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY CORE VALUE FINANCIAL INCLUSION INTEGRITY AND TRANSPARENCY INNOVATION

3. Slide 3: Performance Highlights

   PERFORMANCE HIGHLIGHTS VISION BUSSINESS GROWTH PERFORMANCE (Rs. in Crores) HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION PROFITIABLITY DIGITAL INITIATIVES (Rs. in Crores) CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIA

4. Slide 4: Performance Highlights: Asset Quality and Financial Indicators

   PERFORMANCE HIGHLIGHTS VISION ASSET QUALITY (Rs. in Crores) PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL STRENGTHENING INCLUSION FINANCIAL INDICATORS (Rs. in Crores) DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LI

5. Slide 5: Financial at Glance

   FINANCIAL AT GLANCE VISION PERFORMANCE (Rs. in Crores) HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT 22.76% SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS

6. Slide 6: Total Income

   TOTAL INCOME VISION PERFORMANCE (Rs. in Crores) HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q4-FY23 5

7. Slide 7: Fee Based Income

   FEE BASED INCOME VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q4-FY23 6

8. Slide 8: Total Expenses

   TOTAL EXPENSES VISION PERFORMANCE HIGHLIGHTS (Rs. in Crores) FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q4-FY23 7

9. Slide 9: Net Profit

   NET PROFIT (Rs. in Crores) VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE 1614 16.60% NPA MANAGEMENT CAPITAL ADEQUACY Q-o-Q Y-o-Y FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE

10. Slide 10: Performance Ratios - Quarterly

    PERFORMANCE RATIOS -QUATERLY VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE FY 21-22 FY 22-23 BUSINESS PERFORMANCE FY 21-22 FY 22-23 4.22 4.13 4.19 4.18 NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT FY 21-22 FY 22-23 SHARE HOLDING FY 21-22 FY 22-23

11. Slide 11: Performance Ratios - Quarterly

    PERFORMANCE RATIOS -QUATERLY VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE FY 21-22 FY 22-23 BUSINESS 0.59 0.68 FY 21-22 FY 22-23 PERFORMANCE 6.39 6.90 NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING FY 21-22 FY 22-23 FY 21-22 FY 22-23

12. Slide 12: RAM Performance

    RAM PERFORMANCE VISION (Rs. in Crores) PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q4-FY23 11

13. Slide 13: Business Performance - Global

    BUSINESS PERFORMANCE- GLOBAL VISION PERFORMANCE (Rs. in Crores) HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYS

14. Slide 14: Deposit Composition

    DEPOSIT COMPOSITION (Rs. in Crores) VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q4-FY2

15. Slide 15: Business Composition

    BUSINESS COMPOSITION VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES 4% CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q4-FY23 14

16. Slide 16: Advances

    ADVANCES VISION (Rs. in Crores) (Rs. in Crores) PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN PERFORMANCE ANALYSIS BRANCHES Q

17. Slide 17: Agriculture

    AGRICULTURE VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q4-FY23 16

18. Slide 18: MSME

    MSME (Rs. in Crores) VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY MSME BREAKUP MAR 23 FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q

19. Slide 19: Investment

    INVESTMENT (Rs in Crores) VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCES PERFORMANCE ANALYSIS Q4-FY23 18

20. Slide 20: Valuations

    VALUATIONS VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCES PERFORMANCE ANALYSIS Q4-FY23 19

21. Slide 21: NPA Management

    NPA MANAGEMENT VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q4-FY23 20

22. Slide 22: NPA Management

    NPA MANAGEMENT VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q4-FY23 21

23. Slide 23: Sector-wise Credit Deployment & NPA

    SECTOR-WISE CREDIT DEPLOYMENT & NPA VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q4-FY2

24. Slide 24: Capital Adequacy

    CAPITAL ADEQUACY VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCES PERFORMANCE ANALYSIS Q4-FY23 23

25. Slide 25: Movement of CRAR & RWAs

    MOVEMENT OF CRAR & RWAs VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCES PERFORMANCE ANALYSIS Q4-FY23 24

26. Slide 26: Financial Inclusion

    FINANCIAL INCLUSION VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q4-FY23 25

27. Slide 27: Digital Initiatives

    DIGITAL INITIATIVES VISION Internet Banking PERFORMANCE Anytime Anywhere Banking with a wide range of Banking functionalities HIGHLIGHTS FINANCIAL PERFORMANCE Mobile Banking Mobile App which offers major banking functions at ease BUSINESS PERFORMANCE NPA MANAGEMENT IMPS 24*7 instant fund transfer to

28. Slide 28: IOB Mobile Banking App

    IOB MOBILE BANKING APP VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q4-FY23 27

29. Slide 29: FASTAG

    FASTAG VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q4-FY23 28

30. Slide 30: Digital Initiatives

    DIGITAL INITIATIVES CROSS BORDER ELECTRONIC VISION REMITTANCE THROUGH BANK GAURANTEE BHIM IOB UPI PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG I

31. Slide 31: Online Account Opening through V-KYC

    DIGITAL INITIATIVES VISION ONLINE ACCOUNT OPENING THROUGH V-KYC PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY SCAN TO OPEN NOW ESG INITIATIVES FOREIG

32. Slide 32: Various Loans Apply Digitally

    DIGITAL INITIATIVES VARIOUS LOANS APPLY DIGITALLY VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING APPLY ONLINE PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES

33. Slide 33: Digital Outreach

    DIGITAL OUTREACH VISION PERFORMANCE HIGHLIGHTS 3477 FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q4-FY23 32

34. Slide 34: Customer Touch Point Pan India

    CUSTOMER TOUCH POINT CUSTOMER TOUCH POINT VISION PAN INDIA AS ON 31.03.2023 PERFORMANCE HIGHLIGHTS DBU FINANCIAL SOLAN PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES DBU THANJAVUR CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG

35. Slide 35: Share Holding Pattern

    SHARE HOLDING PATTERN VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q4-FY23 34

36. Slide 36: Strategic Investments and Joint Venture

    STRATEGIC INVESTMENTS JOINT VENTURE VISION IOB entered into Non Life Insurance Business with Universal Sompo General Insurance (USGI) Company Limited with equity PERFORMANCE participation of 18% along with the other Banks and Institutions HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MAN

37. Slide 37: Asset & Liability

    ASSET & LIABILITY VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSET LIABILITY ESG INITIATIVES FOREIGN BRANCHES PERFORMANCE ANALYSIS Q4-FY23 36

38. Slide 38: ESG Initiatives: Environmental

    ESG INITIATIVES VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE ENVIRONMENTAL SOCIAL GOVERNANCE BUSINESS PERFORMANCE IOB VEHICLE LOAN FOR E BIKE/CAR NPA MANAGEMENT ENVIRONMENTAL CAPITAL ADEQUACY IOB SURYA FOR RENEWAL SOLAR FINANCIAL ENERGY EQUIPMENT INCLUSION DIGITAL INITIATIVES CREDIT FACILITY

39. Slide 39: ESG Initiatives: Social

    ESG INITIATIVES VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE ENVIRONMENTAL SOCIAL GOVERNANCE BUSINESS PERFORMANCE THE SAKTHI- IOB CHIDAMBARAM NPA CHETTIAR MEMORIAL MANAGEMENT SOCIAL TRUST CAPITAL ADEQUACY VARIOUS IOB CREDIT SCHEME FOR FINANCIAL WOMEN INCLUSION DIGITAL INITIATIVES FRIENDLY WOR

40. Slide 40: ESG Initiatives: Governance

    ESG INITIATIVES VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE ENVIRONMENTAL SOCIAL GOVERNANCE BUSINESS PERFORMANCE EFFECTIVE NPA GOVERNANCE MONITORING MANAGEMENT CAPITAL ADEQUACY COMPLYING WITH ALL GUIDELINES FINANCIAL &REGULATIONS INCLUSION DIGITAL INITIATIVES EFFECTIVE CUSTOMER CUSTOMER COMP

41. Slide 41: Foreign Reach: Overseas Footprint

    OVERSEAS FOOTPOINT FOREIGN REACH VISION PERFORMANCE HIGHLIGHTS HONG KONG FINANCIAL BRANCH PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL SINGAPORE ADEQUACY BRANCH FINANCIAL INCLUSION DIGITAL INITIATIVES COLOMBO BRANCH CUSTOMER TOUCH POINT SHARE HOLDING PATTERN BANGKOK ASSET LIABILITY BRANCH

42. Slide 42: Disclaimer

    DISCLAIMER Except for the historical information contained herein, statements in this release which contain words or phrases such as "will", "aim" "will likely result", "would", "believe", "may", "expect",', "will continue ", "anticipate", "estimate" "intend", "plan", "cóntemolate" "seek to" "future

43. Slide 43: Thank You

    THANK YOU We express our heartfelt gratitude to all our stakeholders for their support & trust and solicit their continued patronage to make our beloved Bank grow exponentially in the coming years Please provide your valuable feedback @investor.iobnet.co.in visit us @ https://www.iob.in Follow us on

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