IOB2021-07-012021-09-30in-bse-fin:OneOperatingExpenses01Member IOB2021-07-012021-09-30in-bse-fin:FourOperatingExpenses01Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentRevenue01Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentRevenue02Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentRevenue03Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentRevenue04Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentRevenue05Member IOB2021-07-012021-09-30in-bse-fin:FourReportableSegmentRevenue01Member IOB2021-07-012021-09-30in-bse-fin:FourReportableSegmentRevenue02Member IOB2021-07-012021-09-30in-bse-fin:FourReportableSegmentRevenue03Member IOB2021-07-012021-09-30in-bse-fin:FourReportableSegmentRevenue04Member IOB2021-07-012021-09-30in-bse-fin:FourReportableSegmentRevenue05Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentResults01Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentResults02Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentResults03Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentResults04Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentResults05Member IOB2021-07-012021-09-30in-bse-fin:FourReportableSegmentResults01Member IOB2021-07-012021-09-30in-bse-fin:FourReportableSegmentResults02Member IOB2021-07-012021-09-30in-bse-fin:FourReportableSegmentResults03Member IOB2021-07-012021-09-30in-bse-fin:FourReportableSegmentResults04Member IOB2021-07-012021-09-30in-bse-fin:FourReportableSegmentResults05Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentAssets01Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentAssets02Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentAssets03Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentAssets04Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentAssets05Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentLiabilities01Member IOB2021-09-30in-bse-fin:OneReportableSegmentLiabilities01Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentLiabilities02Member IOB2021-09-30in-bse-fin:OneReportableSegmentLiabilities02Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentLiabilities03Member IOB2021-09-30in-bse-fin:OneReportableSegmentLiabilities03Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentLiabilities04Member IOB2021-09-30in-bse-fin:OneReportableSegmentLiabilities04Member IOB2021-07-012021-09-30in-bse-fin:OneReportableSegmentLiabilities05Member IOB2021-09-30in-bse-fin:OneReportableSegmentLiabilities05Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares IOB Indian Overseas Bank 2021-04-01 2022-03-31 INR Half yearly true Cash Flow Indirect Not applicable 2021-09-30 Unaudited Standalone 26169300000.00 14013800000.00 574000000.00 1787800000.00 42544900000.00 11210700000.00 53755600000.00 26215500000.00 8471200000.00 4875500000.00 13346700000.00 39562200000.00 14193400000.00 10363700000.00 0.00 3829700000.00 65600000.00 3764100000.00 0.00 3764100000.00 3764100000.00 189024100000.00 10.00 0.9638 0.1284 0.00 0.20 0.20 0.20 0.20 156656900000.00 37412100000.00 0.1066 0.0277 0.0053 1. 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 27.10.2021. 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. 2. The financial results for the quarter ended September 30, 2021, as reported above, have been drawn from the financial statements prepared in accordance with Accounting Standard (AS-25) on Interim Financial Reporting and have been prepared following the same accounting policies and practices as those followed in the annual financial statements for the year ended March 31, 2021. 3. The above financial results have been arrived at after considering provision for loan losses, restructured assets, standard assets, stressed sector accounts, 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, judicial pronouncement and applicable accounting standards and laws. Provision for employee benefits pertaining to Pension, Gratuity and Leave Encashment and other benefits has been made on estimation. 4. In line with RBI circular DBR. No.BP.BC1/21.06.201/2015-16 dated July 1, 2015 regarding Pillar 3 disclosures including Leverage Ratio and Liquidity Coverage Ratio under Basel III framework, the said disclosures are made available in Bank website http://www.iob.in/investor_cell.aspx. These disclosures are not subjected to review/audit by the Statutory Central Auditors of the Bank. 5. Based 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 Rs.13.17 crore provision as on September 30, 2021. 6. In view of the continuing uncertainties prevailing in the Global and Indian economy consequent to the COVID-19 pandemic, the extent of impact on the Bank's operations and financial position remain uncertain and would depend on several factors including actions taken to mitigate its impact and other regulatory measures. Despite these prevalent conditions, in the opinion of Management, there would not be significant impact on Bank's financial results and ongoing concern assumptions. 7. 2021-09-30 Unaudited Standalone 52203500000.00 28040300000.00 1145000000.00 1787800000.00 83176600000.00 22129300000.00 105305900000.00 51881600000.00 17864800000.00 9347500000.00 27212300000.00 79093900000.00 26212000000.00 19043700000.00 0.00 7168300000.00 137800000.00 7030500000.00 0.00 7030500000.00 7030500000.00 189024100000.00 10.00 0.9638 0.1284 0.00 0.39 0.39 0.39 0.39 156656900000.00 37412100000.00 0.1066 0.0277 0.0049 Other Operating Expenses 4875500000.00 Other Operating Expenses 9347500000.00 Corporate Wholesale Banking 16855200000.00 Other Banking Operations 1133200000.00 Retail Banking 16508700000.00 Treasury Operations 17656600000.00 Unallocated 1601900000.00 Corporate Wholesale Banking 31196900000.00 Other Banking Operations 1882000000.00 Retail Banking 33387400000.00 Treasury Operations 37236400000.00 Unallocated 1603200000.00 53755600000.00 105305900000.00 0.00 0.00 53755600000.00 105305900000.00 Corporate Wholesale Banking 4385500000.00 Other Banking Operations 807200000.00 Retail Banking 3670400000.00 Treasury Operations 3729100000.00 Unallocated 1601200000.00 Corporate Wholesale Banking 6364200000.00 Other Banking Operations 1256300000.00 Retail Banking 7570800000.00 Treasury Operations 9419000000.00 Unallocated 1601700000.00 14193400000.00 26212000000.00 0.00 0.00 10363700000.00 19043700000.00 3829700000.00 7168300000.00 Corporate Wholesale Banking 775734900000.00 Other Banking Operations 2481000000.00 Retail Banking 877854400000.00 Treasury Operations 1067384100000.00 Unallocated 99634700000.00 2823089100000.00 0.00 0.00 2823089100000.00 Corporate Wholesale Banking 746937200000.00 Other Banking Operations 1348900000.00 Retail Banking 848100800000.00 Treasury Operations 1010758900000.00 Unallocated 416500000.00 2607562300000.00 0.00 0.00 2607562300000.00 1. Segment expenses and liabilities have been apportinoned on the basis of average segment assets, wherever direct allocation is not possible. 2. Figures of the previous years / current year / quarters have been regrouped / reclassified / rearranged wherever considered necessary to correspond with the current year / quarters classification / presentation. 774557000.00 -664571000.00 18900299000.00 0.00 0.00 0.00 1537224000.00 0.00 0.00 0.00 20547509000.00 106021863000.00 -90688654000.00 9632162000.00 -2016996000.00 -15404203000.00 0.00 7544172000.00 28091681000.00 35259981000.00 0.00 0.00 0.00 1801601000.00 0.00 33458380000.00 0.00 0.00 33458380000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 26229000.00 601471000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -575242000.00 0.00 0.00 -575242000.00 41000000000.00 0.00 0.00 0.00 0.00 0.00 798461000.00 0.00 -41000000000.00 -798461000.00 0.00 0.00 -798461000.00 32084677000.00 0.00 32084677000.00 307763370000.00 339848047000.00