Indian Overseas Bank · NSE:IOB

Indian Overseas Bank — Q3 2021-22 Earnings Presentation

40 slides from Indian Overseas Bank's earnings presentation, Feb 2, 2022

  1. Slide 1: Indian Overseas Bank Performance Analysis Q3/9M 2021-22

    इण्डियन ओवरसीज़ बैंक Indian Overseas Bank PERFORMANCE ANALYSIS Q3/9M 2021-22 02.02.2022

  2. Slide 2: Index

    INDEX PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES Performance Analysis Q3/9M 2021-22

  3. Slide 3: Performance Highlights

    PERFORMANCE HIGHLIGHTS Performance Analysis Q3/9M 2021-22

  4. Slide 4: Performance Highlights Q3 2021-22

    PERFORMANCE HIGHLIGHTS Q3 2021-22 Rs in Crore Dec-20 Sep-21 Dec-21 Y-o-Y(%) Q-o-Q (%) ROBUST RETAIL CASA 95830 106806 105105 9.68 -1.59 BUSINESS GROWTH CASA % 40.93% 42.57% 42.53% 160 bps (4 bps) Retail Term Dep 124862 130151 131524 5.34 1.05 Home Loan 16770 18665 19414 15.77 4.01 Jewel Loan 25135 2

  5. Slide 5: Performance Highlights Q3 2021-22: Asset Quality

    PERFORMANCE HIGHLIGHTS Q3 2021-22 Rs in Crore Dec-20 Sep-21 Dec-21 Y-o-Y(%) Q-o-Q (%) ASSET QUALITY IMPROVING Gross NPA 16753 15666 15427 -7.92 -1.52 Net NPA 3905 3741 3587 -8.14 -4.12 GNPA% 12.19% 10.66% 10.40% (179 bps) (26 bps) NNPA% 3.13% 2.77% 2.63% (50 bps) (14 bps) Dec-20 Sep-21 Dec-21 Y-o-Y(

  6. Slide 6: Financial Performance

    FINANCIAL PERFORMANCE Performance Analysis Q3/9M 2021-22

  7. Slide 7: Financials - At a Glance

    FINANCIALS- AT A GLANCE Rs. in Crore Quarter Ended 9 Months Growth% Q3 21-22 Q3 21-22 9M FY 21-22 Particulars Over Over Q3 20-21 Q2 21-22 Q3 21-22 9M FY20-21 9M FY21-22 Over Q2 21-22 Q3 20-21 9M FY 20-21 (Q-o-Q) (Y-o-Y) Interest Income 4244 4254 4198 12908 12515 -1.33% -1.08% -3.04% Interest Expense

  8. Slide 8: Total Income

    TOTAL INCOME Rs. in Crore Quarter Ended 9 Months Growth% Q3 21-22 Q3 21-22 9M FY 21-22 Particulars Over Over Q3 20-21 Q2 21-22 Q3 21-22 9M FY20-21 9M FY21-22 Over Q2 21-22 Q3 20-21 9M FY 20-21 (Q-o-Q) (Y-o-Y) Interest on Loans 2759 2617 2752 8388 7983 5.16% -0.25% -4.83% Interest on Investment 1413

  9. Slide 9: Total Expenses

    TOTAL EXPENSES Rs. in Crore Quarter Ended 9 Months Growth% Q3 21-22 Q3 21-22 Particulars 9M FY 21-22 Over Over Q3 20-21 Q2 21-22 Q3 21-22 9M FY20-21 9M FY21-22 Over Q2 21-22 Q3 20-21 9M FY 20-21 (Q-o-Q) (Y-o-Y) Interest on Deposits 2627 2568 2573 8098 7661 0.19% -2.06% -5.40% Interest on Borrowings

  10. Slide 10: Provisions & Profit

    PROVISIONS & PROFIT Rs. in Crore Quarter Ended 9 Months Growth% Q3 21-22 Q3 21-22 9M FY 21-22 Particulars Over Over Q3 20-21 Q2 21-22 Q3 21-22 9M FY20-21 9M FY21-22 Over Q2 21-22 Q3 20-21 9M FY 20-21 (Q-o-Q) (Y-o-Y) Operating Profit 1731 1419 1527 4172 4149 7.61% -11.76% -0.54% Provisions 1518 1043

  11. Slide 11: Performance Ratios - Quarterly

    PERFORMANCE RATIOS- QUARTERLY Cost of Deposits(%) Cost of Funds(%) 4.65 4.59 4.46 4.45 4.27 4.26 4.26 4.26 4.14 4.22 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Yield on Investment(%) Yield on Advances(%) 6.66 8.10 6.26 5.96 5.82 5.80 7.57 7.52 7.36 7.04 Dec-20 Mar-21 Jun-2

  12. Slide 12: Performance Ratios - Quarterly

    PERFORMANCE RATIOS- QUARTERLY Yield on Funds(%) Net Interest Margin(%) 6.83 2.45 2.51 2.34 2.40 2.22 6.54 6.43 6.42 6.36 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Return on Assets(%) Cost to Income (%) 0.62 0.50 0.53 53.57 0.46 49.58 48.46 0.31 44.62 43.50 Dec-20 Mar-21 J

  13. Slide 13: Valuations

    VALUATIONS Particulars Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 *Return on Equity (%) 13.62 21.33 14.57 13.22 15.37 *Basic & Diluted Earning per Share 0.13 0.21 0.19 0.20 0.24 *Price Earning Ratio 82.62 75.19 147.90 114.25 84.71 Book value per share (in Rs) 3.87 4.11 4.11 6.13 6.37 Price/Book value (in Rs

  14. Slide 14: Business Performance

    BUSINESS PERFORMANCE Performance Analysis Q3/9M 2021-22

  15. Slide 15: Business Performance - Global

    BUSINESS PERFORMANCE- GLOBAL Rs. in Crore Particulars Dec-20 Sep-21 Dec-21 Q-o-Q(%) Y-o-Y(%) CASA 95830 106806 105105 -1.59% 9.68% a)Retail Term Deposits 124862 130151 131524 1.05% 5.34% b)Bulk Deposits 10096 10903 7166 -34.27% -29.02% c)Overseas Term Deposits 3328 3031 3324 9.67% -0.12% Term Deposi

  16. Slide 16: Deposits Composition

    DEPOSITS COMPOSITION Rs. in Crore Q-o-Q variation Y-o-Y variation Parameters Dec-20 Sep-21 Dec-21 Amount % Amount % Domestic-Deposits Savings Bank 80024 87866 88253 387 0.44% 8229 10.28% Current Account 14808 17578 15135 -2443 -13.90% 327 2.21% CASA 94832 105444 103388 -2056 -1.95% 8556 9.02% Term D

  17. Slide 17: Risk Spread - Assets

    RISK SPREAD- ASSETS Rs. in Crore Q-o-Q variation Y-o-Y variation Parameters Dec-20 Sep-21 Dec-21 Amount % Amount % Retail 36185 34833 35501 668 1.92% -684 -1.89% Agri 32428 36589 36874 285 0.78% 4447 13.71% MSME 30191 26620 27437 817 3.07% -2755 -9.12% Corporate/others 30085 38465 37259 -1205 -3.13%

  18. Slide 18: Retail Advances Performance

    Rs. in Crore RETAIL ADVANCES PERFORMANCE % Share to Education, Domestic Retail Home, Period Domestic 11.54% Advances Advances 54.69% Advances Dec-20 128889 36185 28.07% Others, Vehicle, 21.84% Sep-21 136507 34833 25.52% 9.49% Dec-21 137072 35501 25.90% Personal, 2.45% RETAIL BREAK UP: Dec-21 Retail

  19. Slide 19: Agriculture Advance Performance

    AGRICULTURE ADVANCE PERFORMANCE Rs. in Crore Agri % Share to Domestic Agri Advance Period Domestic Advances Advances (Including Advances RIDF & IBPC) Dec-20 128889 32428 25.16% 33760 Sep-21 136507 36589 26.80% 37822 Dec-21 137072 36874 26.90% 38014 Performance Analysis Q3/9M 2021-22 Page 19

  20. Slide 20: Agri Advances – Priority Sector

    AGRI ADVANCES – PRIORITY SECTOR Rs. in Crore Target Achievement Financial Year ANBC (18% of ANBC) Amount % 2018-19 (Avg of 4 Qtrs) 146878 26438 31045 21.14% 2019-20 (Avg of 4 Qtrs) 153880 27698 30047 19.53% 2020-21 (Avg of 4 Qtrs) 159442 28699 32334 20.28% Jun-21 157524 28354 35660 22.64% Sep-21 143

  21. Slide 21: MSME

    MSME Rs in Crore % Share to Domestic MSME Period Domestic Advances Advances Advances Dec-20 128889 30191 23.42% Sep-21 136507 26620 19.50% Dec-21 137072 27437 20.02% SHARE OF MSME ADVANCES AS ON 31.12.2021 Category Dec-20 Sep-21 Dec-21 Small, 22.98% Micro 17832 16624 17228 Small 7464 6136 6306 Micro

  22. Slide 22: Investments

    INVESTMENTS Rs. in Crore Global Investments 98412 96480 97073 95306 86684 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Parameters Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Domestic Investments 83001 94686 92580 91211 93145 SLR 55562 63421 61669 60288 84777 Non SLR 27439 31265 30911 30923 8368 Held to Maturity 64408

  23. Slide 23: NPA Management

    NPA MANAGEMENT Performance Analysis Q3/9M 2021-22

  24. Slide 24: NPA Management

    NPA MANAGEMENT Rs. in Crore Details Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 i) Opening Gross NPAs 17660 16753 16323 15952 15666 a. Cash Recov eries 248 490 412 325 269 b. Upgradation 157 166 356 282 152 c. Write-Offs 252 2524 793 1155 1119 d. Sale to ARCs 255 168 23 28 0 e. Other Reductions 21 0 31 8 0 i

  25. Slide 25: Segmental NPAs

    SEGMENTAL NPAS Rs. in Crore Dec-20 Sep-21 Dec-21 Segmental NPAs NPA Ratio % NPA Ratio % NPA Ratio % Retail 707 2.15 1495 4.29 1398 3.94 Agri 2029 6.26 2577 7.04 2816 7.64 MSME 3477 11.52 3283 12.33 3148 11.47 Corporate 8907 26.69 6480 16.85 6235 16.73 Overseas 1633 19.03 1831 17.55 1830 16.27 Total

  26. Slide 26: Movement of NPA

    MOVEMENT OF NPA GNPA NNPA 12.19% 3.58% 11.69% 11.48% 3.13% 3.15% 2.77% 10.66% 2.63% 10.40% Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 PCR 91.91% 90.34% 91.56% 92.00% 92.33% 76.69% 74.94% 76.00% 76.62% 71.96% Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 PCR (including techwrite off)

  27. Slide 27: Capital Adequacy

    CAPITAL ADEQUACY Performance Analysis Q3/9M 2021-22

  28. Slide 28: Capital Conservation

    CAPITAL CONSERVATION Rs. in Crore Particulars Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Market Risk RWA 12072 13884 12325 11687 12153 Operational Risk RWA 10477 10477 13402 13402 13402 Credit Risk RWA 83594 87644 87376 87827 86579 Total RWA (A) 106143 112005 113104 112917 112134 CET 1 9361 14462 14662 1450

  29. Slide 29: Movement of CRAR & RWAs

    MOVEMENT OF CRAR & RWAS CRAR 15.32% 15.48% 15.41% 15.41% 11.49% Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Total RWA to Advance Ratio Credit RWA to Advance Ratio 81.40% 62.78% 62.89% 80.23% 60.81% 59.77% 77.21% 76.83% 58.37% 75.97% Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Perfor

  30. Slide 30: Financial Inclusion

    FINANCIAL INCLUSION Performance Analysis Q3/9M 2021-22

  31. Slide 31: Financial Inclusion

    FINANCIAL INCLUSION PMJDY Account PMJDY Account Balance (No in Lakhs) (Rs in Cr) 1831 53.17 53.06 1746 1735 52.77 1624 52.32 Dec-20 Mar-21 Sep-21 Dec-21 Dec-20 Mar-21 Sep-21 Dec-21 PMJDY Zero balance Accounts Jan Suraksha Schemes (No in Lakhs ) (No in Lakhs) 5.33 PMJJBY PMSBY APY 32.03 33.49 34.14 3

  32. Slide 32: Digital Initiatives

    DIGITAL INITIATIVES Performance Analysis Q3/9M 2021-22 Page 32

  33. Slide 33: Digital Outreach

    DIGITAL OUTREACH As on No of Users 31.12.2021 Mobile Banking Registered users (In Lakhs) 49.72 Customer Internet Banking Registered users (In Lakhs) 22.06 Touch Points UPI Registered Users (In Lakhs) 50.39 ATMs/CDMs (No of outlet) 3270 Pass Book Kiosk (No of outlet) 2109 Bank on Wheels 15 ADC CHANNE

  34. Slide 34: Awards & Accolades

    AWARDS & ACCOLADES Shri. Rupinder Pal Singh, Roll No: 48785, Senior Manager, Anna Nagar Branch, had Bank Cricket Team with the Top Management after coming made all IOBians and all the Runners-up in the Tamilnadu Cricket Association 2nd division Indians proud by playing for league. With this performa

  35. Slide 35: Customer Touch Points

    CUSTOMER TOUCH POINTS Domestic Presence Dec-20 Sep-21 Dec-21 Branches 3219 3216 3214 ATM 3129 3224 3270 BC 2739 2739 2709 DEC-21 BRANCHES DEC-21 ATM Rural, 760, Metro, 740, Rural, 902, Metro, 23% 23% 28% 698, 22% Semi Urban, 737, Urban, Semi Urban, 22% 653, 20% Urban, 1033, 32% 961, 30% Performance

  36. Slide 36: Global Footprints

    GLOBAL FOOTPRINTS Overseas Singapore Hong Kong Colombo Bangkok Branches JV Malaysia Subsidiary Remittance Singapore- Serengoon Road Centre STRATEGIC INVESTMENTS–JOINT VENTURE  Indian Overseas Bank (35%) has a Joint Venture Bank in Malaysia with Bank of Baroda(40%) and Union Bank of India (25%), nam

  37. Slide 37: Share Holding Pattern Dec-2021

    SHARE HOLDING PATTERN DEC-2021 Category of Shareholder %share Government of India 96.38% FI/Banks 1.25% Foreign Portfolio Investor Government of India, 0.07% 96.38% (Corporate) Mutual Funds 0.03% Insurance Companies 0.02% Individual 1.62% ESOP/ESOS/ESPS 0.36% Bodies Corporate 0.16% Institution, NRI

  38. Slide 38: Strategic Investments – Joint Venture

    STRATEGIC INVESTMENTS – JOINT VENTURE IOB entered into Non Life Insurance Business with Universal Sompo General Insurance (USGI) Company Limited with equity participation of 18% along with the other Banks and Institutions SHAREHOLDING % Shareholding Name of Entity Investment 12.81% % 18.06% 6.00% In

  39. Slide 39: 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”, “contemplate”, “seek to”, “fut

  40. Slide 40: Thank You

    Thank You visit us @ https://www.iob.in Performance Analysis Q3/9M 2021-22

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