Indian Overseas Bank was founded in 1937 by Chidambaram Chettyar. It was one of the 14 major banks that were nationalized in 1969.[1]
Revenue Mix Q1 FY25Corporate/Wholesale banking: 38%Retail banking: 36%Treasury: 24%Other: 2%[1]
| S.No. | Name | Current Price (Rs.) | Price to Earning | Market Capitalization (Rs.Cr.) | Dividend yield (%) | Net Profit latest quarter (Rs.Cr.) | YOY Quarterly profit growth (%) | Sales latest quarter (Rs.Cr.) | YOY Quarterly sales growth (%) | Return on capital employed (%) | Sales (Rs.Cr.) | OPM (%) | Profit after tax (Rs.Cr.) | Profit after tax latest quarter (Rs.Cr.) | Price to book value | Return on assets (%) | Debt to equity |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | SBI | 1007.15 | 11.83 | 929798.54 | 1.58 | 21860.59 | -4.25 | 128040.50 | 5.78 | 6.47 | 505419.84 | 46.36 | 78596.36 | 18941.27 | 1.63 | 1.15 | 11.08 |
| 2. | Bank of Baroda | 308.25 | 8.28 | 159328.89 | 2.71 | 5180.63 | -4.14 | 33318.24 | 4.44 | 6.29 | 131574.32 | 63.64 | 19236.14 | 5133.56 | 1.00 | 1.18 | 10.53 |
| 3. | Punjab Natl.Bank | 125.68 | 8.48 | 144408.78 | 2.31 | 5120.59 | 8.72 | 32512.76 | 6.78 | 6.32 | 129502.98 | 73.64 | 17035.45 | 5125.28 | 1.02 | 1.07 | 12.22 |
| 4. | Canara Bank | 152.96 | 7.25 | 138771.73 | 2.62 | 4896.43 | 15.81 | 32071.97 | 6.26 | 6.79 | 125841.25 | 60.85 | 19140.98 | 4850.03 | 1.20 | 1.08 | 14.05 |
| 5. | Union Bank (I) | 166.33 | 6.87 | 127038.75 | 2.86 | 4425.95 | -6.84 | 26664.81 | -0.82 | 6.72 | 109143.51 | 67.32 | 18488.14 | 4425.95 | 1.01 | 1.24 | 10.38 |
| 6. | Indian Bank | 864.60 | 9.88 | 116444.99 | 1.88 | 3108.63 | 11.01 | 16628.28 | 8.19 | 6.38 | 64543.17 | 68.72 | 11785.54 | 3107.97 | 1.51 | 1.35 | 10.65 |
| 7. | I O B | 36.61 | 16.53 | 70459.92 | 0.00 | 1226.42 | 57.81 | 7848.79 | 14.57 | 5.95 | 29979.65 | 61.94 | 4262.19 | 1226.42 | 2.02 | 0.89 | 11.07 |
| – | Median: 12 Co. | 138.59 | 8.38 | 93452.46 | 2.09 | 2842.11 | 9.87 | 17574.88 | 6.68 | 6.23 | 69163.76 | 64.02 | 10902.75 | 2842.33 | 1.17 | 1.08 | 10.97 |
Standalone figures in ₹ crores
| Dec 2022 | Dec 2023 | Dec 2024 | Jun 2023 | Jun 2024 | Jun 2025 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | – | – | – | – | – | – | – | – | – | – | – | – | – |
Expenses | 2,662 | 2,581 | 2,849 | 2,618 | 2,736 | 2,713 | 2,820 | 4,047 | 3,150 | 2,582 | 2,827 | 3,189 | 2,697 |
Operating Profit | – | – | – | – | – | – | – | – | – | – | – | – | – |
Other Income | 950 | 1,262 | 1,298 | 803 | 1,033 | 1,481 | 1,430 | 2,477 | 1,581 | 1,135 | 1,114 | 1,633 | 1,365 |
Profit before tax | 560 | 1,079 | 1,237 | 507 | 738 | 1,514 | 886 | 1,193 | 1,554 | 506 | 633 | 982 | 1,728 |
Tax % | 1% | 33% | 29% | 1% | 14% | 27% | 27% | 32% | 32% | 1% | 1% | 21% | 29% |
Net Profit | 555 | 723 | 874 | 500 | 633 | 1,111 | 650 | 808 | 1,051 | 501 | 625 | 777 | 1,226 |
EPS in Rs | 0.29 | 0.38 | 0.46 | 0.26 | 0.33 | 0.58 | 0.34 | 0.43 | 0.55 | 0.27 | 0.33 | 0.41 | 0.64 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | – | – | – | – | – | – | – | – | – | – | – | – | – |
Expenses | 6,762 | 7,262 | 11,443 | 11,728 | 17,573 | 15,142 | 16,706 | 10,360 | 9,263 | 9,756 | 11,737 | 11,529 | 11,409 |
Operating Profit | – | – | – | – | – | – | – | – | – | – | – | – | – |
Other Income | 2,169 | 2,139 | 2,528 | 3,373 | 3,746 | 4,206 | 3,360 | 5,559 | 4,903 | 4,109 | 5,656 | 5,545 | 5,725 |
Interest | 17,107 | 18,554 | 18,135 | 14,529 | 12,448 | 12,352 | 12,103 | 11,067 | 10,419 | 11,145 | 14,220 | 17,241 | 18,262 |
Depreciation | 141 | 149 | 196 | 215 | 272 | 304 | 301 | 258 | 172 | 260 | 336 | 394 | 0 |
Profit before tax | 843 | 111 | -3,728 | -3,381 | -8,632 | -5,961 | -8,344 | 840 | 1,779 | 2,348 | 3,413 | 4,512 | 6,033 |
Net Profit | 602 | -454 | -2,897 | -3,417 | -6,299 | -3,738 | -8,527 | 831 | 1,710 | 2,099 | 2,656 | 3,335 | 4,262 |
EPS in Rs | 4.87 | -3.68 | -16.03 | -13.92 | -12.88 | -4.09 | -5.19 | 0.51 | 0.90 | 1.11 | 1.40 | 1.73 | 2.23 |
Dividend Payout % | 25% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | – |
Standalone figures in ₹ crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 1,235 | 1,235 | 1,807 | 2,455 | 4,891 | 9,142 | 16,437 | 16,437 | 18,902 | 18,902 | 18,902 | 19,257 | 19,257 |
Reserves | 14,935 | 14,406 | 13,859 | 11,290 | 8,383 | 7,218 | -282 | 508 | 4,098 | 6,361 | 9,040 | 13,284 | 15,579 |
Borrowings | – | – | – | – | – | – | – | – | – | – | – | – | – |
Other Liabilities | 6,247 | 5,715 | 7,073 | 5,983 | 8,634 | 4,968 | 16,200 | 13,106 | 11,147 | 6,784 | 7,799 | 8,308 | 12,152 |
Total Liabilities | 274,899 | 285,637 | 274,437 | 247,167 | 247,968 | 250,008 | 260,727 | 274,010 | 299,377 | 313,734 | 352,034 | 395,015 | 432,487 |
Fixed Assets | 2,567 | 2,462 | 3,218 | 3,002 | 2,838 | 3,321 | 3,124 | 2,918 | 3,365 | 3,710 | 3,725 | 4,581 | 4,989 |
Gross Block | 3,948.88 | 4,082.00 | 5,091.41 | 5,175.95 | 5,247.98 | 5,995.29 | 6,047.36 | 6,086.71 | 6,693.79 | 7,275.20 | 7,531.83 | 8,680.59 | – |
Accumulated Depreciation | 1,381.79 | 1,619.93 | 1,873.12 | 2,174.41 | 2,410.27 | 2,673.94 | 2,923.50 | 3,169.05 | 3,329.00 | 3,565.31 | 3,806.55 | 4,100.01 | – |
CWIP | 37 | 45 | 52 | 53 | 56 | 16 | 3 | 1 | 0 | 0 | 14 | 74 | 0 |
Investments | 70,237 | 79,298 | 79,190 | 71,654 | 68,646 | 66,932 | 79,416 | 95,494 | 98,179 | 94,170 | 99,632 | 111,045 | 116,784 |
Other Assets | 202,057 | 203,832 | 191,977 | 172,459 | 176,429 | 179,739 | 178,183 | 175,597 | 197,833 | 215,854 | 248,662 | 279,315 | 310,714 |
Total Assets | 274,899 | 285,637 | 274,437 | 247,167 | 247,968 | 250,008 | 260,727 | 274,010 | 299,377 | 313,734 | 352,034 | 395,015 | 432,487 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operating Activity | 3,278 | 5,941 | -3,091 | -505 | -1,999 | -786 | -14,023 | 4,949 | 5,566 | -15,595 | -1,165 | 2,963 |
Cash from Investing Activity | -227 | -164 | -254 | -135 | -110 | -647 | -85 | -46 | -48 | -559 | -359 | -565 |
Cash from Financing Activity | 699 | 113 | 692 | 1,617 | 5,430 | 5,780 | 7,277 | 1,813 | 479 | -12 | -528 | 118 |
Net Cash Flow | 3,750 | 5,890 | -2,652 | 977 | 3,322 | 4,347 | -6,831 | 6,716 | 5,997 | -16,166 | -2,052 | 2,516 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | – | – | – | – | – | – | – | – | – | – | – | – |
Inventory Days | – | – | – | – | – | – | – | – | – | – | – | – |
Days Payable | – | – | – | – | – | – | – | – | – | – | – | – |
Cash Conversion Cycle | – | – | – | – | – | – | – | – | – | – | – | – |
Working Capital Days | – | – | – | – | – | – | – | – | – | – | – | – |
ROCE % | – | – | – | – | – | – | – | – | – | – | – | – |
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