	C 2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	R 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Net Interest & Dividend Income	5,016	5,252	5,577	5,384	5,383	5,190	5,468	5,279	5,303	5,906	6,316	8,261	9,839	10,899	12,574
Non-Interest Revenue	1,261	1,427	1,692	1,797	1,772	2,160	2,253	2,234	1,978	3,372	2,872	2,035	1,797	2,066	2,166
Total Revenue	6,277	6,679	7,269	7,181	7,155	7,350	7,721	7,513	7,281	9,278	9,188	10,296	11,636	12,965	14,740
Total Operating Expenses	4,810	5,758	5,870	7,378	10,856	10,692	15,339	12,904	14,979	8,678	6,970	7,630	8,965	8,394	8,269
Operating Profit	1,467	921	1,399	-197	-3,701	-3,343	-7,618	-5,391	-7,698	600	2,218	2,666	2,670	4,571	6,471
Operating Margin	23.4	13.8	19.2	-2.7	-51.7	-45.5	-98.7	-71.7	-105.7	6.5	24.1	25.9	22.9	35.3	43.9
Profit before Taxes	1,298	747	843	111	-3,728	-3,381	-8,632	-5,961	-8,344	767	1,779	2,353	3,423	4,573	6,478
Income Taxes	248	180	241	566	-831	36	-2,332	-2,223	183	8	70	249	757	1,177	1,060
Profit after Tax	1,050	567	602	-454	-2,897	-3,417	-6,299	-3,738	-8,527	758	1,709	2,104	2,666	3,396	5,418
PAT Margin	16.7	8.5	8.3	-6.3	-40.5	-46.5	-81.6	-49.7	-117.1	8.2	18.6	20.4	22.9	26.2	36.8
EPS - Basic - ex Extraordinary Items	16.93	7.07	6.05	-3.68	-19.86	-15.78	-23.25	-6.83	-7.99	0.46	0.92	1.11	1.41	1.79	2.81
EPS - Diluted - ex Extraordinary Items	16.93	7.07	6.05	-3.68	-19.86	-15.78	-23.25	-6.83	-7.99	0.46	0.92	1.11	1.41	1.79	2.81
EBIT	1,467	921	1,399	-197	-3,701	-3,343	-7,618	-5,391	-7,698	600	2,218	2,666	2,670	4,571	6,471
EBITDA	1,578	1,048	1,541	-48	-3,505	-3,128	-7,346	-5,086	-7,398	858	2,391	2,926	3,007	4,966	6,992
EBITDA Margin	25.1	15.7	21.2	-0.7	-49.0	-42.6	-95.1	-67.7	-101.6	9.3	26.0	28.4	25.8	38.3	47.4

Balance Sheet

Abridged

Understanding Balance Sheet

Indian Overseas Bank balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	R 2012 Mar 31	2013 Mar 31	R 2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	R 2021 Mar 31	R 2022 Mar 31	2023 Mar 31	2024 Mar 31	R 2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR
Cash & ST Balance with Banks	14,749	13,301	13,075	16,710	16,489	18,030	13,144	12,133	9,228	17,847	36,616	20,433	17,946	19,757	23,514
Lending & LT Balance with Banks	69,092	72,207	7,138	8,960	6,220	5,582	13,662	18,758	14,833	13,136	335	388	869	1,463	1,709
Property Plant & Equipment - Net	1,744	1,847	2,604	2,507	3,270	3,054	2,893	3,337	3,127	2,919	3,366	3,711	3,740	4,655	5,075
Total Assets	2,19,637	2,44,656	2,74,899	2,85,637	2,74,437	2,47,167	2,47,968	2,50,008	2,60,727	2,74,229	2,99,030	3,13,450	3,51,869	3,94,710	4,72,795
Deposits - Total	1,78,434	2,02,135	2,27,976	2,46,049	2,24,514	2,11,343	2,16,832	2,22,534	2,22,952	2,40,353	2,62,214	2,60,974	2,86,121	3,11,204	3,68,191
Long Term Debt	47,228	46,646	24,506	13,035	13,103	11,259	4,867	4,519	3,941	3,416	2,265	15,549	4,775	10,302	13,520
Total Liabilities	2,07,709	2,31,199	2,58,728	2,69,996	2,58,771	2,33,423	2,34,694	2,33,648	2,44,572	2,57,131	2,76,432	2,88,574	3,24,308	3,62,477	4,35,805
Total Shareholders' Equity	11,928	13,457	16,170	15,641	15,666	13,745	13,274	16,360	16,155	17,099	22,598	24,876	27,561	32,233	36,991
Total Equity	11,928	13,457	16,170	15,641	15,666	13,745	13,274	16,360	16,155	17,099	22,598	24,876	27,561	32,233	36,991
Total Liabilities & Equity	2,19,637	2,44,656	2,74,899	2,85,637	2,74,437	2,47,167	2,47,968	2,50,008	2,60,727	2,74,229	2,99,030	3,13,450	3,51,869	3,94,710	4,72,795

Cash Flow

Abridged

Understanding Cash Flow Statement

Indian Overseas Bank cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	C 2018 Mar 31	2019 Mar 31	2020 Mar 31	C 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	C 2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Operating CF bef Changes in Working Cap	3,572	3,668	3,500	3,811	4,495	3,342	2,801	4,829	3,530	6,033	5,510	6,018	5,837	10,990	10,465
Working Capital - Increase/(Decrease)	-4,747	-4,561	-1,960	8,589	-16,416	5,943	1,707	-2,977	-17,766	-1,624	1,109	-39,322	-17,067	-20,319	-13,907
Net CF from Operating Activities	-1,175	-894	1,540	12,400	-11,922	9,284	4,507	1,852	-14,236	4,410	6,619	-33,304	-11,230	-9,328	-3,443
Capital Expenditures - Net	198	228	220	158	254	135	110	647	85	46	49	560	359	579	639
Net CF from Investing Activities	-225	-401	-227	-164	-254	-135	-110	-647	-85	-46	-49	-560	-359	-579	-639
Dividends Paid - Cash - Total	360	417	94	72	-	-	-	-	-	-	-	-	-	-	-
Stock - Issuance/(Retirement) - Net	1,744	1,000	1,598	-	572	1,813	5,794	6,223	82,170	-	-	-	-	-	-
Debt - LT & ST - Issuance/(Retirement) - Total	4,258	-291	933	-6,273	8,951	-11,086	-6,870	-3,082	-726	-1,748	-601	17,733	9,583	13,273	9,375
Net Cash Flow from Financing Activities	5,643	292	2,437	-6,346	9,523	-8,173	-1,076	3,141	7,491	2,352	-601	17,733	9,583	12,312	8,085
Free Cash Flow to Equity	2,885	-1,413	2,254	5,968	-3,224	-1,936	-2,472	-1,877	-15,048	2,616	5,969	-16,130	-2,006	3,366	5,293
Free Operating CF net dividend	-1,753	-1,544	1,224	12,161	-13,173	9,143	4,391	1,004	-14,365	4,345	6,563	-33,886	-11,595	-9,932	-4,089
Free Operating CF	-1,394	-1,127	1,319	12,234	-13,173	9,143	4,391	1,004	-14,365	4,345	6,563	-33,886	-11,595	-9,932	-4,089

Business Segment Analysis

FY End:

Mar 26

Indian Overseas Bank business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Retail Banking (44.8%)₹ 16,846.75 CrCorporate/Wholesale Banking (29.4%)₹ 11,036.61 CrTreasury Operations (24.2%)₹ 9,096.13 CrOther Banking Operations (1.6%)₹ 613.95 CrDigital Banking (0.0%)₹ 0.49 Cr

Assets

Retail Banking (45.7%)₹ 2,16,220.80 CrTreasury Operations (27.4%)₹ 1,29,740.04 CrCorporate/Wholesale Banking (25.8%)₹ 1,22,117.97 CrUnallocated (1.0%)₹ 4,583.90 CrOther Banking Operations (0.0%)₹ 131.61 CrDigital Banking (0.0%)₹ 0.88 Cr

Operating Income

Corporate/Wholesale Banking (38.6%)₹ 3,948.77 CrRetail Banking (38.0%)₹ 3,895.82 CrTreasury Operations (19.1%)₹ 1,951.63 CrOther Banking Operations (3.0%)₹ 305.08 CrUnallocated (1.3%)₹ 136.41 CrDigital Banking (0.0%)₹ -1.15 Cr

Regional Segment Analysis

FY End:

Mar 26

Indian Overseas Bank geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

Domestic (96.7%)₹ 36,302.05 CrInternational (3.3%)₹ 1,230.10 Cr

Assets

Domestic (95.2%)₹ 4,50,805.08 CrInternational (4.8%)₹ 22,514.77 Cr

Historical Segment Analysis

Track how Indian Overseas Bank segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Sales

Assets

Operating Income

Business

Regional

Business

We don't have enough data to show the Capex for Indian Overseas Bank.

Frequently Asked Questions

What is the revenue of Indian Overseas Bank?

The latest trailing twelve month revenue of Indian Overseas Bank is ₹ 18,210.10 Cr, reflecting a 1-year growth of 10.34% and a 3-year CAGR of 12.79%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Indian Overseas Bank?

The latest trailing twelve month net profit (PAT) of Indian Overseas Bank is ₹ 5,418.46 Cr, with a 3-year earnings CAGR of 36.16%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Indian Overseas Bank?

The trailing twelve month EBITDA of Indian Overseas Bank is approximately ₹ 6,268.03 Cr (based on an operating margin of 34.42%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Indian Overseas Bank?

The trailing twelve month Earnings Per Share (EPS) of Indian Overseas Bank is 2.81. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Indian Overseas Bank?

The debt-to-equity ratio of Indian Overseas Bank stands at 1.40. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Indian Overseas Bank?

The estimated book value per share of Indian Overseas Bank is 19.38 (derived from a P/B ratio of 1.74 and market price of ₹ 33.76), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Indian Overseas Bank?

The trailing twelve month operating cash flow of Indian Overseas Bank is ₹ -3,442.92 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Indian Overseas Bank report consolidated or standalone financials?

Indian Overseas Bank reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.