Performance Analysis
For Quarter / Year Ended,
31st March 2025.
02.05.2025
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INDEX
VISION | ---------- | 3 | |
PERFORMANCE HIGHLIGHTS | ---------- | 4 | |
FINANCIAL PERFORMANCE | ---------- | 6 | |
BUSINESS PERFORMANCE | ---------- | 14 | |
NPA MANAGEMENT | ---------- | 22 | |
CAPITAL ADEQUACY | ---------- | 25 | |
FINANCIAL INCLUSION | ---------- | 27 | |
DIGITAL INITIATIVES | ---------- | 32 | |
CUSTOMER TOUCH POINT | ---------- | 41 | |
SHARE HOLDING PATTERN | ---------- | 44 | |
ASSETS & LIABILITIES | ---------- | 45 | |
ESG INITIATIVES | ---------- | 46 | |
ACCOLADES & AWARDS | ……….. | 53 |
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Performance Analysis Q4/FY 24-25
Indian Overseas"Bank
Good people to grow with
Shri M Ct M Chidambaram Chettyar
IOB Founder Chairman
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PERFORMANCE HIGHLIGHTS
BUSINESS GROWTH
(Rs. In Crores)
Parameters | FY 2023-24 | FY 2024-25 | Y-O-Y ( %) | ||
BUSINESS GROWTH | CASA | 125508 | 136161 | 8.49% | |
CASA% | 43.90% | 43.65% | (25 bps) | ||
Total Deposits | 285905 | 311939 | 9.11% | ||
Home Loan | 27621 | 31168 | 12.84% | ||
Jewel Loan | 47732 | 69188 | 44.95% | ||
Advances | 219018 | 250019 | 14.15% | ||
Business | 504923 | 561958 | 11.30% | ||
PROFITABILITY
Parameters | FY 2023-24 | FY 2024-25 | Y-o-Y ( %) | ||
Profitablity | Net Interest Income | 9829 | 10890 | 10.80% | |
Net Interest Margin | 3.28% | 3.25% | (3 bps) | ||
Operating Expenses | 8722 | 7747 | -11.17% | ||
Operating Profit | 6764 | 8688 | 28.44% | ||
Net Profit | 2656 | 3335 | 25.25% | ||
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Performance Analysis Q4/FY 24-25
PERFORMANCE HIGHLIGHTS
ASSET QUALITY
(Rs. In Crores)
Parameters | FY 2023-24 | FY 2024-25 | Y-o-Y (%) | ||
ASSET QUALITY | Gross NPA | 6794 | 5348 | -21.29% | |
Net NPA | 1217 | 912 | -25.06% | ||
GNPA% | 3.10% | 2.14% | (96 bps) | ||
NNPA% | 0.57% | 0.37% | (20 bps) | ||
STRENGTHENING FINANCIAL INDICATORS
STRENGTHENING FINANCIAL INDICATORS | Parameters | FY 2023-24 | FY 2024-25 | Y-o-Y ( %) | |
PCR | 96.85% | 97.30% | 44 bps | ||
CRAR | 17.28% | 19.74% | 246 bps | ||
ROA | 0.81% | 0.92% | 11 bps | ||
ROE | 16.24% | 16.28% | 4 bps |
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Performance Analysis Q4/FY 24-25