Indian Overseas Bank: Revival Plan




Case Details Case Introduction 1 Case Introduction 2 Case Excerpts

ABSTRACT

In late 2015, India’s central banking institution, the Reserve Bank of India (RBI), took Prompt Corrective Action (PCA) against state-run Indian Overseas Bank (IOB). Three operational parameters had brought IOB on RBI’s radar; Capital to risk weighted assets ratio (CRAR), also called the Capital Adequacy Ratio (CAR) %; Net Non Performing Assets (NPA); and Return on Assets (RoA). Under the new CEO, IOB is looking for a turnaround even as losses mount.

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Issues

The case is structured to achieve the following teaching objectives:

  • To learn critical ratios to measure performance of banks.
  • NPA’s and other factors ailing the Indian banking Industry.
  • Action plan by RBI and the government to revive the Industry.
Contents
INTRODUCTION
BACKDROP: THE STORY OF INDIAN PUBLIC SECTOR BANKS
IOB – A BRIEF HISTORY
THE RISE AND FALL
IOB’S WAR ROOM
EXHIBITS

Keywords

Banking Industry, Non Performing Assets, Capital Adequacy Ratio, Return on Assets, Indian Overseas Bank, Reserve Bank of India, Project Indradhanush

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