INDIAN OVERSEAS BAN

Banking Data in Cr.

2018-19 2019-20
Total Deposits 11794000 12886643
Growth rate 9.26%

Total Advances 8746000 9676183

Growth rate 10.64%

Credit Deposit ratio 74.16% 75.09%

Indian Overseas Bank in Cr.

2018-19 2019-20
Total Deposits 243711 261274
Growth rate 7.21%

Total Advances 216038 223088

Growth rate 3.26%

Credit Deposit ratio 61.10% 59.59%

Market Share
2018-19 2019-20
Total Deposits 2.07% 2.03%
Total Advances 2.47% 2.31%

Indian Overseas Bank (IOB) has experienced a gradual decline in market sha
year 2018-19 to 2022-23. In terms of total deposits, the bank's market shar
the proportion of funds held compared to the overall banking sector. A sim
share has declined from 2.47% to 2.03%, reflecting a diminishing share of t
may indicate challenges in attracting and retaining deposits and loans, poss
conditions, or the need for strategic initiatives to enhance the bank's positi
to this trend will be crucial for Indian Overseas Bank to formulate effective

Credit Deposit ratio Comparitive Analysis

Year Bank of IOB Industry (All Banks)

2018-19 61.1% 74.16%
2019-20 59.6% 75.09%
2020-21 54.4% 73.72%
2021-22 53.2% 69.36%
2022-23 55.0% 71.05%

Total Deposits Comparitive Analysis

Year Bank of IOB Industry (All Banks)

2018-19 243711 11794000
2019-20 261274 12886643
2020-21 272302 13975095
2021-22 256890 15580325
2022-23 254324 17182709

Total Advances Comparitive Analysis

Year Bank of IOB Industry (All Banks)

2018-19 216038 8746000
2019-20 223088 9676183
2020-21 238642 10301914
2021-22 242827 10806381
2022-23 247770 12208009

Bank of IOB Branches

The Bank has 3,220 domestic Branches as on 31st March 2023
Category 2022-2023 2022, comprising of 906 Rural Branches (28.13%), 961 Semi U
(20.34%) and 698 Metropolitan Branches (21.68%).
Rural 906
The Bank also has 49 Regional Offices, 2 Extension Counters, 1
Semi-Urban 961 Nodal Audit Offices. During the year under review (FY 2022-2
Urban 655 Digital Banking Units & One Regional Office.
Metro 698

CRR & SLR Analysis

2018 2019
SLR 19.00% 18.00%
CRR 4% 4%
 INDIAN OVERSEAS BANK

Banking Data in Cr.

2020-21 2021-22 2022-23
13975095 15580325 17182709
8.45% 11.49% 10.28%

10301914 10806381 12208009

6.47% 4.90% 12.97%

73.72% 69.36% 71.05% Indian Overseas Bank (IOB) experienced a fluctuating

7.21%, 4.22%, and then a decline of -5.66% in 2020-2
2022-23. Total advances, on the other hand, displayed
ranging from 3.26% to 6.97%.

Despite a dip in deposits, IOB maintained a healthy cr

Indian Overseas Bank in Cr. deployment and a balanced approach to lending. The
2020-21 2021-22 2022-23 contributing to a sustained credit-deposit ratio increa
272302 256890 254324
4.22% -5.66% -1.00%

238642 242827 247770

6.97% 1.75% 2.04%

54.42% 53.15% 55.02%

Market Share
2020-21 2021-22 2022-23
1.95% 1.65% 1.48%
2.32% 2.25% 2.03%

Bank (IOB) has experienced a gradual decline in market share for both total deposits and total advances from the fiscal
2022-23. In terms of total deposits, the bank's market share has decreased from 2.07% to 1.48%, signaling a reduction in
funds held compared to the overall banking sector. A similar trend is observed in total advances, where IOB's market
d from 2.47% to 2.03%, reflecting a diminishing share of the credit market. The decline in market share over this period
lenges in attracting and retaining deposits and loans, possibly stemming from intensified competition, economic
e need for strategic initiatives to enhance the bank's position in the financial landscape. Analyzing the factors contributing
be crucial for Indian Overseas Bank to formulate effective strategies and regain market share in the coming years.
mparitive Analysis Over the five-year period, Indian Overseas Bank (IOB) has maintained
a consistent proportion of total deposits compared to the industry,
with a gradual decline from 2.07% in 2018-19 to 1.48% in 2022-23.
Deposits as a % of Total Deposits Similarly, in terms of total advances as a percentage of total industry
2.07% advances, IOB displayed a consistent trend, decreasing from 2.47% in
2.03% 2018-19 to 2.03% in 2022-23. The bank's comparative analysis
1.95% indicates a relative stability in its market position, albeit with a slight
reduction in both deposit and advance shares over the years. These
1.65% trends suggest the need for strategic initiatives to enhance IOB's
1.48% competitive position in the industry.

omparitive Analysis

Advances as a % of Total Deposits

2.47%
2.31%
2.32%
2.25%
2.03%

Bank has 3,220 domestic Branches as on 31st March 2023 as against 3,214 Branches as on 31st March
2, comprising of 906 Rural Branches (28.13%), 961 Semi Urban Branches (29.84%), 655 Urban Branches
.34%) and 698 Metropolitan Branches (21.68%).
Bank also has 49 Regional Offices, 2 Extension Counters, 1 Satellite Office, 3 City Back Offices and 6
dal Audit Offices. During the year under review (FY 2022-23), the Bank has opened 4 Rural Branches, 2
ital Banking Units & One Regional Office.

Over the five-year period from 2018 to 2022, Indian O

CRR & SLR Analysis Reserve Ratio (CRR) of 4% and Statutory Liquidity Rati
2020 2021 2022 unwavering CRR at 4% suggests a stable reserve requ
17.50% 18.00% 18.00% deposits with the central bank, providing a buffer aga
17.50% to 19.00%, signifies IOB's adherence to regula
4% 4% 4% liquid form, typically government securities.
OB) experienced a fluctuating trend in total deposits, showing growth rates of
a decline of -5.66% in 2020-21, with a subsequent marginal decrease of -1.00% in
, on the other hand, displayed consistent growth, with positive growth rates
.97%.

, IOB maintained a healthy credit-deposit ratio, showcasing efficient capital

ced approach to lending. The bank's strategic focus on advancing loans is evident,
ed credit-deposit ratio increase from 61.10% to 55.02%.

the fiscal
eduction in
s market
this period
mic
contributing
ears.
 (IOB) has maintained
ed to the industry,
1.48% in 2022-23.
age of total industry
easing from 2.47% in
rative analysis
n, albeit with a slight
er the years. These
o enhance IOB's

d from 2018 to 2022, Indian Overseas Bank (IOB) has maintained a consistent Cash
4% and Statutory Liquidity Ratio (SLR) within a narrow range of 17.50% to 19.00%. The
uggests a stable reserve requirement, ensuring the bank holds a proportion of its
al bank, providing a buffer against liquidity shortages. Concurrently, the SLR, ranging from
fies IOB's adherence to regulatory norms by holding a certain percentage of assets in
vernment securities.