Indian Overseas Bank

BSE: 532388 | NSE: IOB

Quarterly Results (Consolidated Figures in Rs. Crores)

Sep 2022Dec 2022Mar 2023Jun 2023
Sep 2023Dec 2023Mar 2024Jun 2024
Sep 2024Dec 2024Mar 2025Jun 2025
Sep 2025
ParametersJun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
Revenue4,4354,7185,0565,1925,4245,8216,1766,6296,5356,8517,1127,6347,386
Interest2,6812,7642,7842,9163,1023,4753,7783,8664,0944,3134,3234,5114,639
Expenses1,9512,5822,6622,8202,6182,8272,5814,0472,7363,1892,8493,1502,713
Financing Profit-197-629-390-544-296-481-183-1,284-295-652-60-2733
Financing Margin %-4%-13%-8%-10%-5%-8%-3%-19%-5%-10%-1%-0%0%
Other Income5931,1359501,4308031,1141,2622,4771,0331,6331,2981,5811,481
Depreciation0000000000000
Profit before tax3965065608865076331,0791,1937389821,2371,5541,514
Tax %1%1%1%27%1%1%33%32%14%21%29%32%27%
Net Profit3925015556505006257238086337778741,0511,111
EPS in Rs0.210.270.290.340.260.330.380.430.330.410.460.550.58
Gross NPA %9.12%8.53%8.19%7.44%7.13%4.74%3.90%3.10%2.89%2.72%2.55%2.14%1.97%
Net NPA %2.43%2.56%2.43%1.83%1.44%0.68%0.62%0.57%0.51%0.47%0.42%0.37%0.32%

Profit & Loss (Consolidated Figures in Rs. Crores)

ParametersMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue22,68423,93823,51719,71917,91517,63117,40616,96616,73019,40024,05028,13128,982
Interest17,10718,55418,13514,52912,44812,35212,10311,06710,41911,14514,22017,24117,786
Expenses6,7627,26211,44311,72817,57315,14216,70610,3609,2639,75611,73711,52911,901
Financing Profit-1,185-1,878-6,060-6,539-12,106-9,863-11,404-4,461-2,952-1,501-1,908-639-705
Financing Margin %-5%-8%-26%-33%-68%-56%-66%-26%-18%-8%-8%-2%-2%
Other Income2,1692,1392,5283,3733,7464,2063,3605,5594,9034,1095,6565,5455,993
Depreciation1411491962152723043012581722603363940
Profit before tax843111-3,728-3,381-8,632-5,961-8,3448401,7792,3483,4134,5125,288
Tax %29%508%-22%1%-27%-37%2%1%4%11%22%26%
Net Profit602-454-2,897-3,417-6,299-3,738-8,5278311,7102,0992,6563,3353,813
EPS in Rs4.87-3.68-16.03-13.92-12.88-4.09-5.190.510.901.111.401.732.00
Dividend Payout %25%0%0%0%0%0%0%0%0%0%0%0%

Balance Sheet (Consolidated Figures in Rs. Crores)

ParametersMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital1,2351,2351,8072,4554,8919,14216,43716,43718,90218,90218,90219,257
Reserves14,93514,40613,85911,2908,3837,218-2825084,0986,3619,04013,284
Deposits234,578253,451224,514211,343216,832222,534222,952240,288262,159260,883285,905311,939
Borrowing17,90310,83027,18316,0989,2286,1465,4203,6723,07120,80430,38742,228
Other Liabilities6,2475,7157,0735,9838,6344,96816,20013,10611,1476,7847,7998,308
Total Liabilities274,899285,637274,437247,167247,968250,008260,727274,010299,377313,734352,034395,015
Fixed Assets2,5672,4623,2183,0022,8383,3213,1242,9183,3653,7103,7254,581
CWIP37455253561631001474
Investments70,23779,29879,19071,65468,64666,93279,41695,49498,17994,17099,632111,045
Other Assets202,057203,832191,977172,459176,429179,739178,183175,597197,833215,854248,662279,315
Total Assets274,899285,637274,437247,167247,968250,008260,727274,010299,377313,734352,034395,015

Shareholding Pattern

ParametersSep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
Promoters96.38%96.38%96.38%96.38%96.38%96.38%96.38%96.38%96.38%96.38%94.61%94.61%
FIIs0.08%0.10%0.14%0.09%0.15%0.03%0.05%0.05%0.04%0.02%0.22%0.08%
DIIs1.34%1.36%1.35%1.33%1.33%1.29%1.29%1.30%1.30%1.30%2.59%2.37%
Public2.19%2.16%2.11%2.20%2.13%2.28%2.28%2.27%2.29%2.30%2.58%2.94%
No. of Shareholders4,71,3565,11,6425,09,5995,10,3876,68,1777,27,34810,06,1859,96,5689,77,5929,77,9179,77,86310,08,128

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