IOB2021-10-012021-12-31in-bse-fin:OneOperatingExpenses01Member IOB2021-10-012021-12-31in-bse-fin:FourOperatingExpenses01Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentRevenue01Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentRevenue02Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentRevenue03Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentRevenue04Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentRevenue05Member IOB2021-10-012021-12-31in-bse-fin:FourReportableSegmentRevenue01Member IOB2021-10-012021-12-31in-bse-fin:FourReportableSegmentRevenue02Member IOB2021-10-012021-12-31in-bse-fin:FourReportableSegmentRevenue03Member IOB2021-10-012021-12-31in-bse-fin:FourReportableSegmentRevenue04Member IOB2021-10-012021-12-31in-bse-fin:FourReportableSegmentRevenue05Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentResults01Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentResults02Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentResults03Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentResults04Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentResults05Member IOB2021-10-012021-12-31in-bse-fin:FourReportableSegmentResults01Member IOB2021-10-012021-12-31in-bse-fin:FourReportableSegmentResults02Member IOB2021-10-012021-12-31in-bse-fin:FourReportableSegmentResults03Member IOB2021-10-012021-12-31in-bse-fin:FourReportableSegmentResults04Member IOB2021-10-012021-12-31in-bse-fin:FourReportableSegmentResults05Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentAssets01Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentAssets02Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentAssets03Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentAssets04Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentAssets05Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentLiabilities01Member IOB2021-12-31in-bse-fin:OneReportableSegmentLiabilities01Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentLiabilities02Member IOB2021-12-31in-bse-fin:OneReportableSegmentLiabilities02Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentLiabilities03Member IOB2021-12-31in-bse-fin:OneReportableSegmentLiabilities03Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentLiabilities04Member IOB2021-12-31in-bse-fin:OneReportableSegmentLiabilities04Member IOB2021-10-012021-12-31in-bse-fin:OneReportableSegmentLiabilities05Member IOB2021-12-31in-bse-fin:OneReportableSegmentLiabilities05Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares IOB Indian Overseas Bank 2021-04-01 2022-03-31 INR Third quarter Not applicable 2021-12-31 Unaudited Standalone 27379200000.00 14068700000.00 529000000.00 0.00 41976900000.00 11859300000.00 53836200000.00 26255800000.00 7494600000.00 4811900000.00 12306500000.00 38562300000.00 15273900000.00 10653500000.00 0.00 4620400000.00 79300000.00 4541100000.00 0.00 4541100000.00 4541100000.00 189024100000.00 10.00 0.9638 0.1294 0.00 0.24 0.24 0.24 0.24 154265500000.00 35868300000.00 0.104 0.0263 0.0062 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 02.02.2022. 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. 2 The financial results for the quarter and nine months ended December 31, 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 issued by ICAI and applicable laws. Other usual and necessary provisions (including for employee benefits pertaining to Pension, Gratuity and Leave Encashment and other benefits) have been made on estimation and are subject to adjustments,if any,at the year end. 4 In line with RBI circular DBR. No.BP.BC1/21.06.201/2015-16 dated July 1, 2015 on ‘Basel III Capital Adequacy’ read together with the RBI Circular DBR. No.BP. BC.80/21.06.201/2014-15 dated 31.03.2015 on ‘Prudential Guidelines on Capial Adequacy and Liquidity Standard Amendments’, 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 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.13.45 crore provision as on December 31, 2021. 6 In view of the continuing uncertainties prevailing in the Global and Indian economy consequent to the COVID-19 pandemic and its variants, 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 a significant impact on Bank's, as financial results for current nine months ended 31.12.2021 and on going concern assumptions. 7 The Bank has evaluated the options available under Section 115BAA of Income Tax Act, 1961 and opted to continue to recognize the taxes on income for the quarter ended 31.12.2021 under the old regime of the Income Tax Act, 1961. 2021-12-31 Unaudited Standalone 79582600000.00 42109000000.00 1674000000.00 1787800000.00 125153400000.00 33988700000.00 159142100000.00 78137400000.00 25359300000.00 14159400000.00 39518700000.00 117656100000.00 41486000000.00 29697300000.00 0.00 11788700000.00 217100000.00 11571600000.00 0.00 11571600000.00 11571600000.00 189024100000.00 10.00 0.9638 0.1294 0.00 0.63 0.63 0.63 0.63 154265500000.00 35868300000.00 0.104 0.0263 0.0054 Other Operating Expenses 4811900000.00 Other Operating Expenses 14159400000.00 Corporate / Wholesale Banking 16932100000.00 Other Banking Operations 1638300000.00 Retail Banking 17769200000.00 Treasury Operations 17495900000.00 Unallocated 700000.00 Corporate / Wholesale Banking 48129000000.00 Other Banking Operations 3520300000.00 Retail Banking 51156600000.00 Treasury Operations 54732300000.00 Unallocated 1603900000.00 53836200000.00 159142100000.00 0.00 0.00 53836200000.00 159142100000.00 Corporate / Wholesale Banking 4552700000.00 Other Banking Operations 1290900000.00 Retail Banking 5244400000.00 Treasury Operations 4186000000.00 Unallocated -100000.00 Corporate / Wholesale Banking 10916900000.00 Other Banking Operations 2547200000.00 Retail Banking 12815200000.00 Treasury Operations 13605100000.00 Unallocated 1601600000.00 15273900000.00 41486000000.00 0.00 0.00 10653500000.00 29697300000.00 4620400000.00 11788700000.00 Corporate / Wholesale Banking 766740800000.00 Other Banking Operations 1624100000.00 Retail Banking 854052900000.00 Treasury Operations 1067916700000.00 Unallocated 102035200000.00 2792369700000.00 0.00 0.00 2792369700000.00 Corporate / Wholesale Banking 737509900000.00 Other Banking Operations 483800000.00 Retail Banking 824338700000.00 Treasury Operations 1009491600000.00 Unallocated 340500000.00 2572164500000.00 0.00 0.00 2572164500000.00 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.