Indian Overseas Bank: Revival Plan

Indian Overseas Bank: Revival Plan
Case Code: BSTR502
Case Length: 16 Pages
Period: 1955-2015
Pub Date: 2016
Teaching Note: Available
Price: Rs.400
Organization: Indian Overseas Bank
Industry: Banking
Countries: India
Themes: --
Turnaround of Indian Railways: A Tough Road Ahead?
Abstract Case Intro 1 Case Intro 2 Excerpts


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.


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



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

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