Indian Overseas Bank

I O B Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Indian Overseas Bank

₹ 34.8 1.04%
22 Jan 1:39 p.m.
iob.in BSE: 532388 NSE: IOB
About

Indian Overseas Bank was founded in 1937 by Chidambaram Chettyar. It was one of the 14 major banks that were nationalized in 1969. [1]

Key Points

Revenue Mix Q1 FY25
Corporate/Wholesale banking: 38%
Retail banking: 36%
Treasury: 24%
Other: 2% [1]

Website BSE NSE
  • Market Cap ₹ 67,032 Cr.
  • Current Price ₹ 34.8
  • High / Low ₹ 52.4 / 33.0
  • Stock P/E 13.6
  • Book Value ₹ 18.5
  • Dividend Yield 0.00 %
  • ROCE 5.97 %
  • ROE 11.4 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company's working capital requirements have reduced from 195 days to 113 days

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 10.2% over last 3 years.
  • Contingent liabilities of Rs.1,76,039 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Public Sector Bank

Part of BSE 500 BSE 200 BSE Dollex 200 BSE PSU Nifty 500

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
5,057 5,195 5,427 5,825 6,180 6,634 6,539 6,854 7,116 7,635 7,387 7,851 8,172
Interest 2,784 2,917 3,102 3,477 3,780 3,868 4,096 4,315 4,324 4,510 4,639 4,790 4,874
2,664 2,822 2,621 2,829 2,583 4,049 2,738 3,191 2,852 3,152 2,714 2,698 3,430
Financing Profit -391 -544 -296 -481 -183 -1,283 -295 -652 -60 -27 34 364 -132
Financing Margin % -8% -10% -5% -8% -3% -19% -5% -10% -1% -0% 0% 5% -2%
951 1,436 807 1,117 1,263 2,479 1,033 1,634 1,298 1,581 1,480 1,365 1,499
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 560 891 511 636 1,080 1,196 739 982 1,238 1,554 1,515 1,729 1,367
Tax % 1% 26% 1% 1% 33% 32% 14% 21% 29% 32% 27% 29% 0%
555 656 504 627 724 810 649 780 875 1,092 1,178 1,259 1,427
EPS in Rs 0.29 0.35 0.27 0.33 0.38 0.43 0.34 0.41 0.46 0.57 0.61 0.65 0.74
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2002 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
3,171 16,976 16,736 19,407 24,066 28,144 31,046
Interest 2,203 11,069 10,419 11,146 14,226 17,244 18,813
1,273 10,367 9,270 9,763 11,746 11,538 11,994
Financing Profit -305 -4,461 -2,954 -1,503 -1,906 -639 239
Financing Margin % -10% -26% -18% -8% -8% -2% 1%
536 5,486 4,905 4,116 5,665 5,607 5,926
Depreciation 0 258 173 260 336 395 0
Profit before tax 231 767 1,779 2,353 3,423 4,573 6,165
Tax % 0% 1% 4% 11% 22% 26%
231 758 1,709 2,104 2,666 3,396 4,956
EPS in Rs 0.46 0.90 1.11 1.41 1.76 2.57
Dividend Payout % 23% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 19%
TTM: 14%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 26%
TTM: 59%
Stock Price CAGR
10 Years: 3%
5 Years: 26%
3 Years: 4%
1 Year: -31%
Return on Equity
10 Years: %
5 Years: %
3 Years: 10%
Last Year: 11%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2002 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 445 16,647 18,902 18,902 18,902 19,257 19,257
Reserves 654 452 3,695 5,974 8,659 12,977 14,975
Deposits 31,808 240,353 262,214 260,974 286,121 311,939 339,066
Borrowing 180 3,672 3,071 20,804 30,387 42,228 46,433
2,389 13,106 11,148 6,785 7,799 8,308 12,152
Total Liabilities 35,477 274,229 299,030 313,438 351,869 394,708 431,883
387 2,918 3,366 3,711 3,726 4,581 4,989
CWIP 0 1 0 0 14 74 0
Investments 15,015 95,485 97,641 93,643 99,194 110,588 115,953
20,075 175,825 198,023 216,085 248,935 279,465 310,941
Total Assets 35,477 274,229 299,030 313,438 351,869 394,708 431,883

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2002 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
4,949 5,539 -13,655 -1,119 2,840
-46 -49 -560 -359 -579
1,813 479 -1,916 -528 144
Net Cash Flow 6,716 5,969 -16,130 -2,006 2,405

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2002 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 9% 9% 10% 11%

Shareholding Pattern

Numbers in percentages

2 Recently
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
96.38% 96.38% 96.38% 96.38% 96.38% 96.38% 96.38% 96.38% 94.61% 94.61% 94.61% 92.44%
0.14% 0.09% 0.15% 0.03% 0.05% 0.05% 0.04% 0.02% 0.22% 0.08% 0.31% 0.35%
1.35% 1.33% 1.33% 1.29% 1.29% 1.30% 1.30% 1.30% 2.59% 2.37% 2.30% 4.26%
2.11% 2.20% 2.13% 2.28% 2.28% 2.27% 2.29% 2.30% 2.58% 2.94% 2.78% 2.93%
No. of Shareholders 5,09,5995,10,3876,68,1777,27,34810,06,1859,96,5689,77,5929,77,9179,77,86310,08,1289,88,5519,81,829

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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