Ratnakar Securities Pvt. Ltd.

INDIAN OVERSEAS BANK

NSE : IOBBSE : 532388ISIN CODE : INE565A01014Industry : Bank - PublicHouse : PSU

BSE38.17-0.04 (-0.1 %)

PREV CLOSE ( ) 38.21

OPEN PRICE ( ) 37.63

BID PRICE (QTY) 0.00 (0)

OFFER PRICE (QTY) 0.00 (0)

VOLUME 638799

TODAY'S LOW / HIGH ( )37.58 38.44

52 WK LOW / HIGH ( )33.01 62.15

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Particulars	Mar2025	Mar2024	Mar2023	Mar2022	Mar2021
SOURCES OF FUNDS:
Share Capital	192565.90	189024.12	189024.12	189024.12	166467.94
Equity - Authorised	250000.00	250000.00	250000.00	250000.00	250000.00
Equity - Issued	192565.90	189024.12	189024.12	189024.12	164369.88
Equity Paid Up	192565.90	189024.12	189024.12	189024.12	164369.88
Equity Shares Forfeited	0.00	0.00	0.00	0.00	0.00
Adjustments to Equity	0.00	0.00	0.00	0.00	2098.06
Preference Capital Paid Up	0.00	0.00	0.00	0.00	0.00
Face Value	10.00	10.00	10.00	10.00	10.00
Share Warrants & Outstandings	0.00	0.00	0.00	0.00	0.00
Total Reserves	129767.58	86590.37	59736.27	36953.39	4518.88
Securities Premium	96365.01	85579.01	85579.01	85579.01	69233.25
Capital Reserves	23667.31	23230.01	23106.66	22870.71	23173.26
Profit & Loss Account Balances	-125378.53	-144739.33	-164544.48	-180030.38	-188895.12
General Reserves	-13155.72	0.00	0.00	0.00	0.00
Other Reserves	148269.52	122520.68	115595.08	108534.05	101007.49
Reserve excluding Revaluation Reserve	96037.88	59364.02	32204.74	9457.78	-17685.71
Revaluation Reserves	33729.71	27226.35	27531.54	27495.61	22204.59
Deposits	3119388.24	2861214.82	2609735.90	2622137.64	2403527.82
Demand Deposits	281266.23	229354.70	166835.72	173897.76	162218.32
Savings Deposit	1080348.20	1025894.12	974428.01	965012.02	859584.64
Term Deposits / Fixed Deposits	1757773.80	1605966.00	1468472.17	1483227.85	1381724.86
Current Deposits	0.00	0.00	0.00	0.00	0.00
Recurring Deposits	0.00	0.00	0.00	0.00	0.00
Other Deposits	0.00	0.00	0.00	0.00	0.00
Borrowings	422276.63	303871.66	208037.72	30706.37	36715.77
Borrowings From Reserve Bank of India	19460.00	70000.00	0.00	0.00	0.00
Borrowings From Other Banks	33669.50	21186.75	0.00	0.00	0.00
Borrowings From GOI	0.00	0.00	0.00	0.00	0.00
Borrowings From Other Financial Institutions	205996.63	121219.70	154288.24	1840.00	5065.00
Borrowings in the form of Bonds / Debentures	21650.00	21650.00	24650.00	22650.00	16000.00
Borrowings in Other Form	0.00	0.00	0.00	0.00	0.00
Borrowings From Out of India	141500.50	69815.21	29099.48	6216.37	15650.77
Other Liabilities & Provisions	83081.35	77992.26	67846.64	111478.22	131062.85
Bills Payable	6285.20	8117.31	8187.93	7007.69	6592.60
Inter-office adjustment Liabilities	0.00	0.00	0.00	35559.37	22523.59
Interest Accrued	2676.51	4025.03	2799.24	414.37	402.24
Proposed Dividend	0.00	0.00	0.00	0.00	0.00
Corporate dividend tax payable	0.00	0.00	0.00	0.00	0.00
Other Liabilities & Provisions	74119.64	65849.92	56859.47	68496.79	101544.42
Total Liabilities	3947079.70	3518693.22	3134380.66	2990299.74	2742293.26
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India	181158.72	169055.37	171499.19	227496.55	121892.06
Cash with RBI	168807.22	156416.09	160251.06	215956.11	112291.80
Cash in hand & others	12351.50	12639.27	11248.13	11540.44	9600.26
Balances with banks and money at call	31037.64	19093.64	36706.50	142016.06	187932.34
Investments	1105879.69	991939.15	936425.20	976407.88	954848.85
Investments in India	1066877.52	950845.82	896378.23	935800.50	917206.11
GOI/State Govt. Securities	1015658.43	916521.37	866030.07	883086.39	855805.02
Equity Shares - Corporate	8203.36	2105.97	7307.58	9604.48	10886.40
Debentures & Bonds	30722.30	25429.43	22142.35	31061.27	34034.33
Subsidiaries and/or joint ventures/Associates	6156.47	6069.02	0.00	0.00	0.00
Units - MF/ Insurance/CP/PTC	6136.96	710.08	888.33	12038.45	16470.46
Other Investments	0.00	9.95	9.90	9.90	9.90
Investments outside India	39002.17	41093.34	40046.97	40607.38	37642.74
Government securities	36999.86	38670.19	37441.57	36608.19	32384.07
Subsidiaries and/or joint ventures abroad	0.00	0.00	0.00	0.00	1934.42
Other investments outside India	2002.31	2423.15	2605.41	3999.19	3324.25
Less: Prov for Diminution in Value of Invest.	0.00	0.00	0.00	0.00	0.00
Advances	2455551.68	2133301.32	1780676.80	1442535.57	1277414.21
Bills Purchased & Discounted	108694.07	83385.18	45698.90	29057.50	16471.88
Cash Credit, Over Draft & Loans repayable	920801.81	771567.92	773646.61	446052.35	456745.79
Term Loans	1426055.81	1278348.21	961331.30	967425.71	804196.54
Finance lease and hire purchase receivable	0.00	0.00	0.00	0.00	0.00
Advances Others	0.00	0.00	0.00	0.00	0.00
Gross block	86945.40	75458.79	72890.58	67075.33	60993.57
Premises	55007.33	45761.61	45719.60	44913.08	39734.96
Assets Given on Lease	0.00	0.00	0.00	0.00	0.00
Other Fixed Assets	31938.07	29697.19	27170.98	22162.25	21258.61
Less: Accumulated Depreciation	41139.57	38201.70	35784.07	33416.08	31815.01
Less: Impairment of Assets	0.00	0.00	0.00	0.00	0.00
Net Block	45805.83	37257.10	37106.51	33659.25	29178.56
Lease Adjustment	0.00	0.00	0.00	0.00	0.00
Capital Work in Progress	742.39	144.79	0.88	1.11	11.16
Other Assets	126903.76	167901.86	171965.58	168183.32	171016.08
Inter-office adjustment Assets	1746.83	305.14	7351.26	0.00	0.00
Interest Accrued Assets	51491.24	41538.97	36204.72	30927.86	34645.18
Tax paid in advance/TDS	23158.57	54509.31	45230.02	41309.78	34522.95
Stationery and stamps	34.91	25.19	39.41	34.37	40.66
Non-banking assets acquired	0.02	2242.75	2100.15	2100.15	2100.15
Deferred tax asset	0.00	0.00	0.00	0.00	0.00
Miscellaneous Expenditure not written off	0.00	0.00	0.00	0.00	0.00
Assets Others	50472.19	69280.51	81040.03	93811.17	99707.14
Total Assets	3947079.70	3518693.22	3134380.66	2990299.74	2742293.26
Contingent Liabilities	1594051.65	1957421.56	1961314.50	979989.02	682961.85
Claims not acknowledged as debts	59652.29	97856.29	109731.99	75537.74	57598.11
Outstanding forward exchange contracts	1297066.04	1659989.18	1656349.52	687717.48	435852.20
Guarantees given in India	147131.54	131378.68	117464.03	127048.55	116104.64
Guarantees given Outside India	1796.31	1577.87	3717.62	4145.28	4002.55
Acceptances, endorsements & other obligations	60747.46	45572.76	55302.86	58186.64	43907.93
Other Contingent liabilities	27658.03	21046.79	18748.48	27353.32	25496.41
Bills for collection	170883.35	191190.06	195478.58	172162.20	155478.91
Book Value	14.99	13.14	11.70	10.50	8.92
Adjusted Book Value	14.99	13.14	11.70	10.50	8.92

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Ratnakar Securities

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