Indian Overseas Bank Complete Financial Statements

IOB • Review detailed financials to uncover trends, confirm thesis & journal trades
5 Years of Data
2025 - 2021

Complete Financial Data Export

Export complete financial statements for Indian Overseas Bank (IOB). Downloads include all available records across all periods. For market performance, see the IOB stock price today .

Profitability Ratios

Net Profit Margin 13.66% 2025 data
EBITDA Margin 18.76% 2025 data
Operating Margin 66.00% 2025 data
Return on Assets 0.32% 2025 data
Return on Equity 3.91% 2025 data

Balance Sheet Ratios

Current Ratio 0.09 2025 data
Debt to Equity 12.25 2025 data
Equity Ratio 8.17% 2025 data
Asset Turnover 0.02 2025 data

Year-over-Year Growth Analysis

Comparing Sept 2024 vs Sept 2025
Revenue Growth
+8.6%
Year-over-Year
Net Profit Growth
+61.4%
Year-over-Year
EBITDA Growth
+76.1%
Year-over-Year
Expense Growth
-15.4%
Year-over-Year
Assets Growth
+12.2%
Year-over-Year
Equity Growth
+17.0%
Year-over-Year
Liabilities Growth
+12.2%
Year-over-Year
Operating Cash Flow Growth
+353.8%
Year-over-Year
Investing Cash Flow Growth
-61.3%
Year-over-Year
Financing Cash Flow Growth
+127.3%
Year-over-Year

Income Statement

Periods ₹ Crores
Particulars Sept 2025 Mar 2025 Jun 2025 Sept 2024 Mar 2024 Jun 2024 Dec 2024 Sept 2023 Mar 2023 Jun 2023 Dec 2023 Sept 2022 Mar 2022 Jun 2022 Dec 2022 Sept 2021 Jun 2021 Dec 2021
Revenue 9,216 9,216 8,868 8,488 9,113 7,572 8,415 6,942 6,631 6,234 7,443 5,854 5,721 5,031 6,008 5,093 5,160 5,319
Expenses 2,698 3,152 2,714 3,191 4,049 2,738 2,852 2,829 2,822 2,621 2,583 2,585 2,516 1,953 2,664 2,088 2,257 2,234
EBITDA 1,729 1,554 1,515 982 1,196 739 1,239 636 891 511 1,080 505 600 397 560 383 337 459
Operating Profit Margin % 66.00% 59.00% 63.00% 53.00% 39.00% 58.00% 60.00% 51.00% 46.00% 52.00% 58.00% 45.00% 40.00% 56.00% 47.00% 51.00% 44.00% 47.00%
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Interest 4,790 4,510 4,639 4,315 3,868 4,096 4,324 3,477 2,917 3,102 3,780 2,764 2,605 2,681 2,784 2,622 2,567 2,626
Profit Before Tax 1,729 1,554 1,515 982 1,196 739 1,239 636 891 511 1,080 505 600 397 560 383 337 459
Tax 470 462 336 202 386 90 364 8 236 7 356 5 48 4 5 7 7 8
Net Profit 1,259 1,092 1,178 780 810 649 875 627 656 504 724 500 552 393 555 377 330 451
Earnings Per Share (₹) 0.65 0.58 0.61 0.41 0.43 0.34 0.46 0.33 0.35 0.27 0.38 0.26 0.29 0.21 0.29 0.20 0.17 0.24

Related Pages for Indian Overseas Bank

Additional stock information and data for IOB

IOB market capitalization
IOB FII DII holdings
IOB yearly price range
Indian Overseas Bank dividend payments
IOB fundamental valuation
Indian Overseas Bank share price performance
IOB intrinsic value

Balance Sheet

Years Annual Data ₹ Crores
Particulars 2025 2024 2023 2022 2021
ASSETS
Total Assets 394,708 351,869 313,438 299,030 274,229
Current Assets 33,910 35,605 38,017 53,770 48,084
Fixed Assets 4,581 3,726 3,711 3,366 2,918
Capital Work in Progress 74 15 0 0 1
Investments 110,588 99,194 93,643 97,641 95,485
Other Assets 279,465 248,935 216,085 198,023 175,826
LIABILITIES
Total Liabilities 394,708 351,869 313,438 299,030 274,229
Current Liabilities 386,400 344,070 306,653 287,882 261,123
Non-Current Liabilities
SHAREHOLDERS' EQUITY
Total Equity 32,233 27,561 24,876 22,598 17,099
Share Capital 19,257 18,902 18,902 18,902 16,647
Reserves & Surplus 12,977 8,659 5,974 3,695 452

Cash Flow Statement

Periods ₹ Crores
Particulars March 2025 March 2024 March 2023 March 2022 March 2021
Operating Activities 2,840 -1,119 -13,655 5,539 4,949
Investing Activities -579 -359 -560 -49 -46
Financing Activities 144 -528 -1,916 479 1,813
Net Cash Flow 2,405 -2,006 -16,130 5,969 6,716