INDIAN OVERSEAS BANK
Quarterly Results Analysis [Jun2025]
INDIAN OVERSEAS BANK Quarterly Results
| Consolidated | Jun2025 UnAudited |
Mar2025 UnAudited |
Dec2024 Audited |
Sep2024 UnAudited |
Jun2024 UnAudited |
Mar2024 Audited |
Dec2023 Audited |
Sep2023 UnAudited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹7,387 Cr | ₹7,635 Cr | ₹7,116 Cr | ₹6,854 Cr | ₹6,539 Cr | ₹6,634 Cr | ₹6,180 Cr | ₹5,825 Cr |
| Other Income | ₹1,480 Cr | ₹1,623 Cr | ₹1,299 Cr | ₹1,636 Cr | ₹1,033 Cr | ₹2,479 Cr | ₹1,263 Cr | ₹1,117 Cr |
| Interest Expended | ₹4,639 Cr | ₹4,510 Cr | ₹4,324 Cr | ₹4,315 Cr | ₹4,096 Cr | ₹3,868 Cr | ₹3,780 Cr | ₹3,477 Cr |
| Expenses | ₹1,870 Cr | ₹2,088 Cr | ₹1,824 Cr | ₹2,045 Cr | ₹1,800 Cr | ₹3,281 Cr | ₹1,881 Cr | ₹1,785 Cr |
| Operating Income | ₹2,359 Cr | ₹2,660 Cr | ₹2,268 Cr | ₹2,131 Cr | ₹1,677 Cr | ₹1,964 Cr | ₹1,782 Cr | ₹1,680 Cr |
| Provisions and contingencies | ₹844 Cr | ₹1,064 Cr | ₹1,029 Cr | ₹1,146 Cr | ₹938 Cr | ₹768 Cr | ₹701 Cr | ₹1,044 Cr |
| Profit Before Tax | ₹1,515 Cr | ₹1,595 Cr | ₹1,239 Cr | ₹984 Cr | ₹739 Cr | ₹1,196 Cr | ₹1,080 Cr | ₹636 Cr |
| Profit After Tax | ₹1,112 Cr | ₹1,092 Cr | ₹875 Cr | ₹780 Cr | ₹633 Cr | ₹810 Cr | ₹724 Cr | ₹627 Cr |
| % of Net NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| % of Gross NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EPS | ₹0.61 | ₹0.57 | ₹0.46 | ₹0.41 | ₹0.34 | ₹0.43 | ₹0.38 | ₹0.33 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| INDIAN OVERSEAS BANK | -2.6% | -5% | -44.4% |
| STATE BANK OF INDIA | -1.7% | -2.2% | -8.4% |
| PUNJAB NATIONAL BANK | -2.3% | -4.4% | -13.9% |
| BANK OF BARODA | -2.9% | -3.1% | -5.3% |
| UNION BANK OF INDIA | -9.9% | -15.5% | -3% |
| CANARA BANK | -4.7% | -6.3% | -5% |
| INDIAN BANK | -5.8% | -5.4% | 7.4% |
| UCO BANK | -2.4% | -8.5% | -47.3% |
| BANK OF INDIA | -0.2% | -5.6% | -10.4% |
INDIAN OVERSEAS BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | -12.04 % |
| Y-o-Y | 12.47 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| Jun2025 | ₹2,748 Cr | -12.04 | |
| Mar2025 | ₹3,124 Cr | 11.91 | |
| Dec2024 | ₹2,792 Cr | 9.95 | |
| Sep2024 | ₹2,539 Cr | 3.93 | |
| Jun2024 | ₹2,443 Cr | -11.65 | |
| Mar2024 | ₹2,766 Cr | 15.23 | |
| Dec2023 | ₹2,400 Cr | 2.21 | |
| Sep2023 | ₹2,348 Cr | - | |
INDIAN OVERSEAS BANK Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | -11.32 % |
| Y-o-Y | 40.69 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| Jun2025 | ₹2,359 Cr | -11.32 | |
| Mar2025 | ₹2,660 Cr | 17.28 | |
| Dec2024 | ₹2,268 Cr | 6.43 | |
| Sep2024 | ₹2,131 Cr | 27.09 | |
| Jun2024 | ₹1,677 Cr | -14.62 | |
| Mar2024 | ₹1,964 Cr | 10.21 | |
| Dec2023 | ₹1,782 Cr | 6.06 | |
| Sep2023 | ₹1,680 Cr | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | 0.82 % |
| Y-o-Y | 25.08 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Jun2025 | 85.82% | 0.82 | |
| Mar2025 | 85.12% | 4.80 | |
| Dec2024 | 81.22% | -3.19 | |
| Sep2024 | 83.9% | 22.29 | |
| Jun2024 | 68.61% | -3.35 | |
| Mar2024 | 70.99% | -4.36 | |
| Dec2023 | 74.23% | 3.77 | |
| Sep2023 | 71.53% | - | |
INDIAN OVERSEAS BANK Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | 1.81 % |
| Y-o-Y | 75.50 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| Jun2025 | ₹1,112 Cr | 1.81 | |
| Mar2025 | ₹1,092 Cr | 24.75 | |
| Dec2024 | ₹875 Cr | 12.27 | |
| Sep2024 | ₹780 Cr | 23.08 | |
| Jun2024 | ₹633 Cr | -21.84 | |
| Mar2024 | ₹810 Cr | 11.91 | |
| Dec2023 | ₹724 Cr | 15.46 | |
| Sep2023 | ₹627 Cr | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | 5.24 % |
| Y-o-Y | 55.31 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Jun2025 | 15.05 % | 5.24 | |
| Mar2025 | 14.3 % | 16.26 | |
| Dec2024 | 12.3 % | 8.18 | |
| Sep2024 | 11.37 % | 17.34 | |
| Jun2024 | 9.69 % | -20.70 | |
| Mar2024 | 12.22 % | 4.27 | |
| Dec2023 | 11.72 % | 8.82 | |
| Sep2023 | 10.77 % | - | |
INDIAN OVERSEAS BANK Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | 7.02 % |
| Y-o-Y | 79.41 % |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Jun2025 | ₹0.61 | 7.02 | |
| Mar2025 | ₹0.57 | 23.91 | |
| Dec2024 | ₹0.46 | 12.20 | |
| Sep2024 | ₹0.41 | 20.59 | |
| Jun2024 | ₹0.34 | -20.93 | |
| Mar2024 | ₹0.43 | 13.16 | |
| Dec2023 | ₹0.38 | 15.15 | |
| Sep2023 | ₹0.33 | - | |
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