Home > Annual Financials > INDIAN OVERSEAS BANK

INDIAN OVERSEAS BANK Financial Statement Analysis
[BOM: 532388|NSE : IOB]

The Net Interest Income of INDIAN OVERSEAS BANK have increased by 19.11% YoY .
The Earnings Per Share (EPS) of INDIAN OVERSEAS BANK has increased by 24.82 % YoY.
NET INTEREST INCOME
NET INTEREST MARGIN
PROFIT AFTER TAX
EPS
ROCE

INDIAN OVERSEAS BANK Last 5 Annual Financial Results
[BOM: 532388|NSE : IOB]

ConsolidatedMar2025
Mar2024
Mar2023
Mar2022
Mar2021
Interest Earned ₹24,066 Cr₹19,407 Cr₹16,736 Cr₹16,976 Cr₹0.35 Cr
Other Income ₹5,665 Cr₹4,116 Cr₹4,905 Cr₹5,486 Cr₹0.05 Cr
Interest Expended ₹14,227 Cr₹11,146 Cr₹10,419 Cr₹11,069 Cr₹0.23 Cr
Operating Expenses ₹8,731 Cr₹6,430 Cr₹5,459 Cr₹5,569 Cr₹0.10 Cr
Profit Before Tax ₹2,666 Cr₹2,582 Cr₹1,779 Cr₹767 Cr₹0.04 Cr
Profit After Tax ₹2,666 Cr₹2,104 Cr₹1,709 Cr₹758 Cr₹0.04 Cr
Consolidated Net Profit ₹2,666 Cr₹2,104 Cr₹1,709 Cr₹758 Cr₹0.04 Cr
Earnings Per Share (Rs)₹1.76₹1.41₹1.11₹0.90₹0.46
NIM2.892.972.822.272.32
ROE(%)12.6511.3510.039.909.36
ROCE(%)8.508.268.958.529.99
Advances Growth15.1119.8023.4412.93634.98
Net NPAs (funded) to Net Advances (%)0.000.000.000.000.00

Key Financials

Market Cap : ₹ 75,312.6 Cr
Revenue (TTM) : ₹ 28,992.1 Cr
Net Profit(TTM) : ₹ 3,858.5 Cr
EPS (TTM) : ₹ 2.0
P/E (TTM) : 19.5

Industry Peers & Returns1W1M1Y
INDIAN OVERSEAS BANK -1.2% 6.3% -38.2%
STATE BANK OF INDIA -2% 3.1% -7.3%
PUNJAB NATIONAL BANK -5% 5.2% -3.4%
BANK OF BARODA -3.8% 2.4% -2.8%
UNION BANK OF INDIA -3.6% -0% 5.3%
CANARA BANK -7.7% 0.2% -0.8%
INDIAN BANK -2.1% 1.7% 13.2%
UCO BANK -2.8% 8.3% -42.4%
BANK OF INDIA -4.1% -1% -5.1%


INDIAN OVERSEAS BANK Net Interest Income
[BOM: 532388|NSE : IOB]

Y-o-Y

19.11 %

5 Yr CAGR

1,585.19 %

Years Net Interest Income % Change
Mar2025 ₹9,839 Cr
19.11
Mar2024 ₹8,261 Cr
30.78
Mar2023 ₹6,316 Cr
6.95
Mar2022 ₹5,906 Cr
4,840,967.21
Mar2021 ₹0.12 Cr -

INDIAN OVERSEAS BANK Net Interest Margin (NIM)
[BOM: 532388|NSE : IOB]

Net Interest Margins
Y-o-Y

-2.69 %

5 Yr CAGR

5.65 %

Years Net Interest Margin% % Change
Mar2025 2.89%
-2.69
Mar2024 2.97%
5.32
Mar2023 2.82%
24.23
Mar2022 2.27%
-2.16
Mar2021 2.32% -

INDIAN OVERSEAS BANK Profit After Tax
[BOM: 532388|NSE : IOB]

Y-o-Y

26.70 %

5 Yr CAGR

1,487.23 %

Years Profit After Tax % Change
Mar2025 ₹2,666 Cr
26.70
Mar2024 ₹2,104 Cr
23.09
Mar2023 ₹1,709 Cr
125.39
Mar2022 ₹758 Cr
1,805,497.62
Mar2021 ₹0.04 Cr -

PAT Margins
Y-o-Y

6.36 %

5 Yr CAGR

-5.82 %

Years PAT Margin(%) % Change
Mar2025 27.09 %
6.36
Mar2024 25.47 %
-5.88
Mar2023 27.06 %
110.75
Mar2022 12.84 %
-62.71
Mar2021 34.43 % -

INDIAN OVERSEAS BANK Earnings Per Share (EPS)
[BOM: 532388|NSE : IOB]

Y-o-Y

24.82 %

5 Yr CAGR

39.86 %

Years EPS % Change
Mar2025 ₹1.76
24.82
Mar2024 ₹1.41
27.03
Mar2023 ₹1.11
23.33
Mar2022 ₹0.90
95.65
Mar2021 ₹0.46 -

INDIAN OVERSEAS BANK Return on Capital Employed (ROCE)
[BOM: 532388|NSE : IOB]

Y-o-Y

2.91 %

5 Yr CAGR

-3.96 %

Years ROCE % Change
Mar2025 8.5%
2.91
Mar2024 8.26%
-7.71
Mar2023 8.95%
5.05
Mar2022 8.52%
-14.71
Mar2021 9.99% -

INDIAN OVERSEAS BANK Share Price vs Sensex

Current Share Price : ₹39.1
Current MarketCap: ₹ 75,312.6 Cr
Updated EOD on :Jul 23,2025

Share Price Returns(%) 1 Week 1 Month 1 Year
INDIAN OVERSEAS BANK

-1.2%

6.3%

-38.2%

SENSEX

0.1%

1%

2.6%

INDIAN OVERSEAS BANK related INDICES

BSE Indices1W1M1Y
BSE ALLCAP 6.4% 8.9% 7.5%
BSE LARGEMIDCAP 4.5% 7.2% 8.3%
BSE FINANCIAL SERVICES 0.6% 2.6% 12.5%
BSE LARGECAP -0.1% 1.3% 1.5%
BSE 100 LARGECAP TMC INDEX -0.1% 1.3% 1.4%
NSE Indices1W1M1Y
NIFTY 500 -0.2% 1.9% 2.5%
NIFTY TOTAL MARKET -0.2% 2% 2.6%
NIFTY500 MULTICAP 50:25:25 -0.3% 2.5% 3.4%
NIFTY500 LARGEMIDSMALL EQUAL-CAP WEIGHTED INDEX -0.4% 2.9% 3.9%
NIFTY 500 EQUAL WEIGHT -0.4% 3.9% 2.8%

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FAQ about INDIAN OVERSEAS BANK Financials


How the annual revenues of INDIAN OVERSEAS BANK have changed ?

The Net Interest Income of INDIAN OVERSEAS BANK have increased by 19.11% YoY .

How the Earnings per Share (EPS) of INDIAN OVERSEAS BANK have changed?

The Earnings Per Share (EPS) of INDIAN OVERSEAS BANK has increased by 24.82 % YoY .