Financials of Indian Overseas Bank

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Indian Overseas Bank

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +5,1925,4245,8216,1766,6296,5356,8517,1127,6347,3867,8498,1728,489
Interest2,9163,1023,4753,7783,8664,0944,3134,3234,5114,6394,7904,8745,019
Expenses +2,8202,6182,8272,5814,0472,7363,1892,8493,1502,7132,6973,4303,102
Financing Profit-544-296-481-183-1,284-295-652-60-2733362-132368
Financing Margin %-10%-5%-8%-3%-19%-5%-10%-1%-0%0%5%-2%4%
Other Income +1,4308031,1141,2622,4771,0331,6331,2981,5811,4811,3651,4991,291
Depreciation0000000000000
Profit before tax8865076331,0791,1937389821,2371,5541,5141,7281,3671,659
Tax %27%1%1%33%32%14%21%29%32%27%29%0%9%
Net Profit +6505006257238086337778741,0511,1111,2261,3651,505
EPS in Rs0.340.260.330.380.430.330.410.460.550.580.640.710.78
Gross NPA %7.44%7.13%4.74%3.90%3.10%2.89%2.72%2.55%2.14%1.97%1.83%1.54%1.42%
Net NPA %1.83%1.44%0.68%0.62%0.57%0.51%0.47%0.42%0.37%0.32%0.28%0.24%0.21%

Financials of Indian Overseas Bank

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +23,93823,51719,71917,91517,63117,40616,96616,73019,40024,05028,13131,896
Interest18,55418,13514,52912,44812,35212,10311,06710,41911,14514,22017,24119,322
Expenses +7,26211,44311,72817,57315,14216,70610,3609,2639,75611,73711,52911,942
Financing Profit-1,878-6,060-6,539-12,106-9,863-11,404-4,461-2,952-1,501-1,908-639632
Financing Margin %-8%-26%-33%-68%-56%-66%-26%-18%-8%-8%-2%2%
Other Income +2,1392,5283,3733,7464,2063,3605,5594,9034,1095,6565,5455,636
Depreciation1491962152723043012581722603363940
Profit before tax111-3,728-3,381-8,632-5,961-8,3448401,7792,3483,4134,5126,268
Tax %508%-22%1%-27%-37%2%1%4%11%22%26%17%
Net Profit +-454-2,897-3,417-6,299-3,738-8,5278311,7102,0992,6563,3355,208
EPS in Rs-3.68-16.03-13.92-12.88-4.09-5.190.510.901.111.401.732.70
Dividend Payout %0%0%0%0%0%0%0%0%0%0%0%0%

Financials of Indian Overseas Bank

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital1,2351,8072,4554,8919,14216,43716,43718,90218,90218,90219,25719,257
Reserves14,40613,85911,2908,3837,218-2825084,0986,3619,04013,28418,259
Deposits253,451224,514211,343216,832222,534222,952240,288262,159260,883285,905311,939368,191
Borrowing10,83027,18316,0989,2286,1465,4203,6723,07120,80430,38742,22851,603
Other Liabilities +5,7157,0735,9838,6344,96816,20013,10611,1476,7847,7998,30816,011
Total Liabilities285,637274,437247,167247,968250,008260,727274,010299,377313,734352,034395,015473,320
Fixed Assets +2,4623,2183,0022,8383,3213,1242,9183,3653,7103,7254,5815,075
CWIP4552535616310014740
Investments79,29879,19071,65468,64666,93279,41695,49498,17994,17099,632111,045119,810
Other Assets +203,832191,977172,459176,429179,739178,183175,597197,833215,854248,662279,315348,436
Total Assets285,637274,437247,167247,968250,008260,727274,010299,377313,734352,034395,015473,320

Financials of Indian Overseas Bank

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +5,941-3,091-505-1,999-786-14,0234,9495,566-15,595-1,1652,9635,502
Cash from Investing Activity +-164-254-135-110-647-85-46-48-559-359-565-639
Cash from Financing Activity +1136921,6175,4305,7807,2771,813479-12-528118-710
Net Cash Flow5,890-2,6529773,3224,347-6,8316,7165,997-16,166-2,0522,5164,152
Free Cash Flow5,783-3,345-640-2,108-1,433-14,1084,9035,518-16,155-1,5252,3984,863
CFO/OP36%-23%-1%-182%5%-1,933%77%85%-158%-5%6%30%

Financials of Indian Overseas Bank

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %-3%-19%-23%-47%-26%-52%5%9%9%10%11%15%