IOB2020-07-012020-09-30in-bse-fin:OneOperatingExpenses01Member IOB2020-07-012020-09-30in-bse-fin:FourOperatingExpenses01Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentRevenue01Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentRevenue02Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentRevenue03Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentRevenue04Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentRevenue05Member IOB2020-07-012020-09-30in-bse-fin:FourReportableSegmentRevenue01Member IOB2020-07-012020-09-30in-bse-fin:FourReportableSegmentRevenue02Member IOB2020-07-012020-09-30in-bse-fin:FourReportableSegmentRevenue03Member IOB2020-07-012020-09-30in-bse-fin:FourReportableSegmentRevenue04Member IOB2020-07-012020-09-30in-bse-fin:FourReportableSegmentRevenue05Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentResults01Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentResults02Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentResults03Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentResults04Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentResults05Member IOB2020-07-012020-09-30in-bse-fin:FourReportableSegmentResults01Member IOB2020-07-012020-09-30in-bse-fin:FourReportableSegmentResults02Member IOB2020-07-012020-09-30in-bse-fin:FourReportableSegmentResults03Member IOB2020-07-012020-09-30in-bse-fin:FourReportableSegmentResults04Member IOB2020-07-012020-09-30in-bse-fin:FourReportableSegmentResults05Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentAssets01Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentAssets02Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentAssets03Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentAssets04Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentAssets05Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentLiabilities01Member IOB2020-09-30in-bse-fin:OneReportableSegmentLiabilities01Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentLiabilities02Member IOB2020-09-30in-bse-fin:OneReportableSegmentLiabilities02Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentLiabilities03Member IOB2020-09-30in-bse-fin:OneReportableSegmentLiabilities03Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentLiabilities04Member IOB2020-09-30in-bse-fin:OneReportableSegmentLiabilities04Member IOB2020-07-012020-09-30in-bse-fin:OneReportableSegmentLiabilities05Member IOB2020-09-30in-bse-fin:OneReportableSegmentLiabilities05Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares IOB Indian Overseas Bank 2020-04-01 2021-03-31 INR Half yearly true Cash Flow Indirect Not applicable 2020-09-30 Unaudited Standalone 28472800000.00 14371300000.00 781300000.00 0.00 43625400000.00 10680400000.00 54305800000.00 28012400000.00 8031900000.00 4799300000.00 12831200000.00 40843600000.00 13462200000.00 11925500000.00 0.00 1536700000.00 55300000.00 1481400000.00 0.00 1481400000.00 1481400000.00 164369900000.00 10.00 0.9584 0.0836 0.00 0.09 0.09 0.09 0.09 176596300000.00 52906000000.00 0.1304 0.043 0.002 The above Standalone Unaudited Financial results have been reviewed by the Audit Committee of the Board and approved by the Board of Directors in their respective meetings held on November 6, 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 Reserve Bank of India and as per the requirements of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 as amended. nThe above financial results have been arrived at after considering provision for loan losses, restructured assets, standard assets, stressed sector accounts, employees' estimated wage revision, income tax, depreciation on investments and fixed assets, provision for employees' benefits and other necessary provisions on the basis of prudential norms and directions issued by RBI. Provision for employee benefits pertaining to Pension, Gratuity and Leave Encashment and other benefits has been made on the basis of actuarial valuation. n The above standalone unaudited financial results have been prepared following the same accounting policies and practices as those followed in the annual financial statements for the year ended March 31, 2020. nIn accordance with RBI circular DBR.No.BP.BC.1/21.06.201/2015-16 dated July 1, 2015, banks are required to make Quarterly Pillar 3 disclosures including Leverage Ratio and Liquidity Coverage Ratio under Basel III Framework. The disclosures are being made available on bank website at the following link http://www.iob.in/investor_cell.aspx. The disclosures are not subjected to verification by the Statutory Central Auditors of the Bank. nBased on the available financial 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 DBOD.NO.BP.BC.85/21.06.200/2013-14 dated January 15, 2014 and holds a provision of Rs.11.08 crores as on September 30, 2020. 2020-09-30 Unaudited Standalone 56288100000.00 28594700000.00 1761000000.00 0.00 86643800000.00 19998300000.00 106642100000.00 56907600000.00 16871700000.00 8459100000.00 25330800000.00 82238400000.00 24403700000.00 21620700000.00 0.00 2783000000.00 94700000.00 2688300000.00 0.00 2688300000.00 2688300000.00 164369900000.00 10.00 0.9584 0.0836 0.00 0.16 0.16 0.16 0.16 176596300000.00 52906000000.00 0.1304 0.043 0.0018 Other Operating Expenses 4799300000.00 Other Operating Expenses 8459100000.00 Corporate / Wholesale Banking 13707300000.00 Other Banking Operations 878300000.00 Retail Banking 19225900000.00 Treasury Operations 20491800000.00 Unallocated 2500000.00 Corporate / Wholesale Banking 27126400000.00 Other Banking Operations 1549800000.00 Retail Banking 35890200000.00 Treasury Operations 42072000000.00 Unallocated 3700000.00 54305800000.00 106642100000.00 54305800000.00 106642100000.00 Corporate / Wholesale Banking -569200000.00 Other Banking Operations 846900000.00 Retail Banking 6895700000.00 Treasury Operations 6288000000.00 Unallocated 800000.00 Corporate / Wholesale Banking -2013600000.00 Other Banking Operations 1306100000.00 Retail Banking 11036400000.00 Treasury Operations 14075500000.00 Unallocated -700000.00 13462200000.00 24403700000.00 11925500000.00 21620700000.00 1536700000.00 2783000000.00 Corporate / Wholesale Banking 710639800000.00 Other Banking Operations 4617400000.00 Retail Banking 743312600000.00 Treasury Operations 1020068000000.00 Unallocated 96713500000.00 2575351300000.00 Corporate / Wholesale Banking 695348900000.00 Other Banking Operations 3363000000.00 Retail Banking 730041800000.00 Treasury Operations 982114600000.00 Unallocated 389000000.00 2411257300000.00 The amount mentioned under point No.2 SEGMENT RESULT i. Finance Cost is amount of Provisions and Contigencies for the period. n nSegment expenses and liabilities have been apportioned on the basis of average segment assets, wherever direct allocation is not possible. n nFigures of the previous years / current year / quarters have been recouped / reclassified / rearranged wherever considered necessary to correspond with the current year / quarter classification / presentation. 1654400000.00 1568500000.00 21020200000.00 0.00 0.00 0.00 0.00 0.00 -95600000.00 0.00 24147500000.00 -155647100000.00 0.00 148960000000.00 0.00 -42335000000.00 0.00 -49022100000.00 -24874600000.00 -22091600000.00 0.00 0.00 0.00 119900000.00 0.00 -22211500000.00 0.00 0.00 -22211500000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4400000.00 339400000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -335000000.00 0.00 0.00 -335000000.00 0.00 0.00 0.00 0.00 0.00 0.00 340400000.00 0.00 0.00 -340400000.00 0.00 0.00 -340400000.00 -22886900000.00 0.00 -22886900000.00 240606500000.00 217719600000.00