IOB2019-10-012019-12-31in-bse-fin:OneOperatingExpenses01Member IOB2019-10-012019-12-31in-bse-fin:FourOperatingExpenses01Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentRevenue01Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentRevenue02Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentRevenue03Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentRevenue04Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentRevenue05Member IOB2019-10-012019-12-31in-bse-fin:FourReportableSegmentRevenue01Member IOB2019-10-012019-12-31in-bse-fin:FourReportableSegmentRevenue02Member IOB2019-10-012019-12-31in-bse-fin:FourReportableSegmentRevenue03Member IOB2019-10-012019-12-31in-bse-fin:FourReportableSegmentRevenue04Member IOB2019-10-012019-12-31in-bse-fin:FourReportableSegmentRevenue05Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentResults01Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentResults02Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentResults03Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentResults04Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentResults05Member IOB2019-10-012019-12-31in-bse-fin:FourReportableSegmentResults01Member IOB2019-10-012019-12-31in-bse-fin:FourReportableSegmentResults02Member IOB2019-10-012019-12-31in-bse-fin:FourReportableSegmentResults03Member IOB2019-10-012019-12-31in-bse-fin:FourReportableSegmentResults04Member IOB2019-10-012019-12-31in-bse-fin:FourReportableSegmentResults05Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentAssets01Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentAssets02Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentAssets03Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentAssets04Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentAssets05Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentLiabilities01Member IOB2019-12-31in-bse-fin:OneReportableSegmentLiabilities01Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentLiabilities02Member IOB2019-12-31in-bse-fin:OneReportableSegmentLiabilities02Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentLiabilities03Member IOB2019-12-31in-bse-fin:OneReportableSegmentLiabilities03Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentLiabilities04Member IOB2019-12-31in-bse-fin:OneReportableSegmentLiabilities04Member IOB2019-10-012019-12-31in-bse-fin:OneReportableSegmentLiabilities05Member IOB2019-12-31in-bse-fin:OneReportableSegmentLiabilities05Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares IOB Indian Overseas Bank 2019-04-01 2020-03-31 INR Third quarter Not applicable 2019-12-31 Unaudited Standalone 28676500000.00 13461600000.00 1380900000.00 0.00 43519000000.00 8460400000.00 51979400000.00 30731900000.00 8885000000.00 4739100000.00 13624100000.00 44356000000.00 7623400000.00 66639400000.00 0.00 -59016000000.00 1738900000.00 -60754900000.00 0.00 -60754900000.00 -60754900000.00 9456000.00 10.00 0.9456 0.0353 0.00 -5.83 -5.83 -5.83 -5.83 237338600000.00 70870900000.00 0.1712 0.0581 -0.0807 1.The fin results have been reviewed by the Audit Committee of the Board and approved by the Board of Directors in the meeting held on Feb 10, 2020. The results have been subjected to limited review by the Statutory Central Auditors of the Bank in line with the guidelines issued by the RBI and as per the requirements of SEBI LODR Reg, 2015. n2.The financial results have been prepared following the same accounting policies and practices as those followed in the Annual Financial Statements for the year ended Mar 31, 2019. n3.The working results for the Qtr / 9 months period Dec 31, 2019 have been arrived at after considering provn for NPAs, Std Assets, Unhedged Foreign Currency Exposure, Deprn on Investments & Non Performing Investments. n4.In accordance with RBI circular dt July 1, 2015, banks are required to make Qly Pillar 3 disclosures including Leverage Ratio and Liquidity Coverage Ratio under Basel III Framework. The disclosures are not subjected to verification by the Statutory Central Auditors of the Bank. n5.Based on the available fin statements and the declaration from borrowers, the Bank has estimated the liability towards Unhedged Foreign Currency Exposure to their constituents in terms of RBI circular dated January 15, 2014 and holds a provision of Rs.11.08 crores as on Dec 31, 2019. n6.During the qtr ended 30th Sep 2019, Bank has received Rs.3857 crores from GoI towards preferential allotment of equity shares. On 28 Nov 2019, Bank has allotted 344,37,50,000 shares of face value of Rs.10/- each at an issue price of Rs.11.20 per share with a premium of Rs.1.20 per share. n7.GoI has sanctioned capital of Rs.4360 crores on 26 Dec 2019 and the Bank has received the same on January 3, 2020, which is pending for allottment as on date. Approval of shareholders for issue of shares to GoI on preferential basis is being obtained through Postal Ballot and the same ends on 26th Feb 2020. Pending receipt of Capital of Rs.4360 crores as on Dec 2019 the same has not been considered for the purposes of CRAR position as on 31 Dec 2019. However in the opinion of the Management after infusion of Capital the CRAR would be as follows and the same has not been reviewed and certified by Statutory Auditors. nAfter Infusion of Rs.4360 Crore as Captial:tCET It7.88% CRARt10.43% n8.Bank is in the process of reassessing various components of deferred tax asset/liabilities and necessary adjustments if any will be recognised at the year end. n9. Bank continues to recognize the taxes on income for the qtr and nine months period ended Dec 2019 as per earlier provn of Tax Laws. n10.The Bank has during the Qtr ended Dec 2019, made a provn of Rs.186 crore towards revision of wages due with effect from Nov 2017 and cumulative provn as on Dec 2019 stood at Rs.224.64 crore. n11. Investor complaints from Oct 1, 2019 to Dec 31, 2019 is as under: Pending Complaints at the beginning of the Qtr - 1 Complaints received during the Qtr- 3 Complaints redressed during the Qtr - 4, Closing balance at the end of the Qtr - 0 n12. The provn coverage ratio of the Bank as on Dec 31, 2019 is 86.20% n13. In line with RBI Circular dt April1, 2019 the Banks are required to disclose divergence from prudential norms on income recognition, assets classification and provisioning and the details of divergence reported by RBI. The impact of above divergence has been duly accounted for in the qtr ended Dec 2019. n14. The figures for the qtr ended 31st Dec 2019 are the balancing figures between reviewed figures in respect of the 9 months ended 31st Dec 2019 and the published year to date figures upto 30th Sep 2019. n15. Previous period/year figures have been regrouped/reclassified/rearranged wherever necessary 2019-12-31 Unaudited Standalone 86649600000.00 38094900000.00 4894900000.00 0.00 129639400000.00 22644800000.00 152284200000.00 91928800000.00 23662600000.00 13327700000.00 36990300000.00 128919100000.00 23365100000.00 108178000000.00 0.00 -84812900000.00 1899200000.00 -86712100000.00 0.00 -86712100000.00 -86712100000.00 9456000.00 10.00 0.9456 0.0353 0.00 -5.83 -5.83 -5.83 -5.83 237338600000.00 70870900000.00 0.1712 0.0581 -0.0807 Other Operating Expenses 4739100000.00 Other Operating Expenses 13327700000.00 Corporate / Wholesale Banking 48025800000.00 Other Banking Operation 3408900000.00 Retail Banking 17087800000.00 Treasury Operations 16433200000.00 Unallocated 9000000.00 Corporate / Wholesale Banking 16948300000.00 Other Banking Operation 1501100000.00 Retail Banking 52917500000.00 Treasury Operations 47860300000.00 Unallocated 71700000.00 51979400000.00 152284200000.00 51979400000.00 152284200000.00 Corporate / Wholesale Banking -2244200000.00 Other Banking Operation 2684500000.00 Retail Banking 4244000000.00 Treasury Operations 1907900000.00 Unallocated 5300000.00 Corporate / Wholesale Banking 292000000.00 Other Banking Operation 1174200000.00 Retail Banking 15299500000.00 Treasury Operations 7562300000.00 Unallocated 63000000.00 7623400000.00 23365100000.00 7623400000.00 23365100000.00 Corporate / Wholesale Banking 765055400000.00 Other Banking Operation 3453700000.00 Retail Banking 700510200000.00 Treasury Operations 876215400000.00 Unallocated 94071600000.00 2439306300000.00 Corporate / Wholesale Banking 758629200000.00 Other Banking Operation 121000000.00 Retail Banking 697276500000.00 Treasury Operations 866220100000.00 Unallocated 399300000.00 2322646100000.00 1. Segment expenses and liabilities have been apportioned on the basis of average segment assets wherever direct allocation is not possible. n2. Figure of the previous years/current year/ quaters have been regrouped/ reclassified/ rearranged wherever considered necessary to correspond with the current year/ quarters classification / presentation.