Indian Overseas Bank : Presentation to Analysts December 2022

visit us @ https://www.iob.in	Investor Presentation - Q3 FY23
Indian Overseas Bank

INDEX

Vision Mission Statement.

Performance Highlights

Financial Performance

Business Performance

NPA Management

……………………………………………………………..

Capital Adequacy

……………………………………………………………..

Financial Inclusion

……………………………………………………………..

Digital Initiatives

Customer Touch Point

Share Holding Patterns & JVs

Asset Liability -An Overview

ESG Initiatives

03

4-5

6-13

14-18

19-21

22-23

24

25-26

27-28

29-30

31

32-35

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Vision Mission Statement 2021-2026

VISION

"To emerge as the preferred Bank connecting Generations

with high standards of ethics and governance".

CORE VALUES

• • Integrity and Transparency
• Innovation and collaboration
• • Sustainability

MISSION

"To provide best Banking solutions through

digital and physical experience

for customer delight with skilled manpower".

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PERFORMANCE HIGHLIGHTS Q3 FY 2022-23

Rs. in crores

	Parameters	Quarter Ended			Growth
	Dec-21	Sep-22		Dec-22		Q-o-Q(%)	Y-o-Y(%)
GROWTH	CASA	105105	111924		114591		2.38%		9.03%
CASA%	42.53%	42.76%		44.50%		174 bps		197 bps
	Total Deposits	247119	261728		257480		-1.62%		4.19%
BUSINESS	Home Loan	19414	22458		23065		2.71%		18.81%
Jewel Loan	29850	35128		35705		1.64%		19.61%
	Advances	148316	172713		175050		1.35%		18.02%
	Business	395435	434441		432530		-0.44%		9.38%

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PERFORMANCE HIGHLIGHTS Q3 FY 2022-23

Rs. in crores

	Parameters	Dec-21	Sep-22	Dec-22		Q-o-Q(%)	Y-o-Y(%)
ASSET QUALITY	Gross NPA	15427	14726	14333		-2.67%	-7.09%
Net NPA	3587	4149	4000		-3.58%	11.51%
	GNPA%	10.40%	8.53%	8.19%		(34bps)	(221bps)
	NNPA%	2.63%	2.56%	2.43%		(13 bps)	(20 bps)
STRENGTHENING FINANCIAL INDICATORS	Parameters	Dec-21	Sep-22	Dec-22		Q-o-Q(%)	Y-o-Y(%)
PCR	92.33%	90.94%	91.34%		40 bps	-99 bps
	CRAR	15.41%	15.14%	15.16%		2 bps	-25 bps
	ROA	0.62%	0.65%	0.73%		8 bps	11 bps
	ROE	15.37%	15.70%	16.43%		73 bps	106 bps

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