INTEGRATED FILING — BANKING



General information about company

Scrip code 532388
NSE Symbol IOB
MSEI Symbol NOTLISTED
ISIN INE565A01014
Name of bank Indian Overseas Bank
Class of security Equity
Date of start of financial year 01-Apr-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 02-May-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 24-Apr-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Consolidated
Whether results are audited or unaudited Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 02-May-2025   12:00:00
End date and time of board meeting 02-May-2025   13:45:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 52578100000 201827900000
Income on investments 18163800000 70424100000
Interest on balances with reserve bank of India and other inter bank funds 432500000 1833100000
Others 5173700000 7351300000
Total interest earned 76348100000 281436400000
2 Other income 16227900000 56066700000
3 Total income 92576000000 337503100000
Expenses
4 Interest expenses 45104200000 172444800000
5 Operating expenses
(i) Employees cost 11320900000 46691700000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Opertaing Expenses 9555300000 30870900000
Total other operating Expenses 9555300000 30870900000
Total Operating Expenses 20876200000 77562600000
6 Total expenditure excluding provisions and contingencies 65980400000 250007400000
7 Operating profit before provision and contingencies 26595600000 87495700000
8 Provisions other than tax and contingencies 10642200000 41770500000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 15953400000 45725200000
11 Provision for Tax 5034000000 11770100000
12 Net profit (loss) from ordinary activities after tax 10919400000 33955100000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 10919400000 33955100000
15 Share of profit (loss) of associates 0 0
16 Profit (loss) of minority interest 0 0
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 10919400000 33955100000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 192565900000 192565900000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 91586000000
20 Analytical ratios
(i) Percentage of share held by government of India 94.61 94.61
(ii) Capital adequacy ratio
CET 1 ratio 17.13 17.13
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 0.58 0.58
Diluted earnings per share before extraordinary items 0.58 0.58
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 0.58 1.79
Diluted earnings per share after extraordinary items 0.58 1.79
(iv) NPA Ratios
Amount of gross non-performing assets 53477200000 53477200000
Amount of net non-performing assets 9118600000 9118600000
% of gross NPAs 2.14 2.14
% of net NPAs 0.37 0.37
Return on assets 1.12 0.92
21 Disclosure of notes on financial results by banks


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Consolidated
1 Capital and liabilities
Capital 192565900000
Reserves and surplus 129767600000
Deposits 3119388200000
Borrowings 422276600000
Other liabilities and provisions 83081300000
Total Capital Liabilities 3947079600000
2 ASSETS
Cash and Balances with Reserve Bank of India 181158700000
Balances with Banks and money at call and short notice 31037600000
Investments 1105879700000
Advances 2455551700000
Fixed Assets 46548200000
Other Assets 126903700000
Total Assets 3947079600000
Disclosure of notes on assets and liabilities


Text Block
Textual Information(1)


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 22895700000 79914300000
2 Corporate/Wholesale Banking 24549900000 100674800000
3 Retail Banking 38894500000 143138700000
4 Other Banking Operations 1053700000 6406000000
5 Unallocated 5182200000 7369300000
Total Segment Revenue 92576000000 337503100000
Less: Inter segment revenue
Income from operations 92576000000 337503100000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 4395400000 8247700000
2 Corporate/Wholesale Banking 3987900000 17518900000
3 Retail Banking 12795100000 50991400000
4 Other Banking Operations 236600000 3375500000
5 Unallocated 5180600000 7362200000
Total Profit before tax 26595600000 87495700000
i. Finance cost 10642200000 41770600000
ii. Other Unallocable Expenditure net off Unallocable income
Profit before tax 15953400000 45725100000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 1197126000000 1197126000000
2 Corporate/Wholesale Banking 1129295100000 1129295100000
3 Retail Banking 1558092100000 1558092100000
4 Other Banking Operations 742300000 742300000
5 Unallocated 61824100000 61824100000
Total Segment Assets 3947079600000 3947079600000
Un-allocable Assets 0 0
Net Segment Assets 3947079600000 3947079600000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 1197126000000 1197126000000
2 Corporate/Wholesale Banking 1129295100000 1129295100000
3 Retail Banking 1558092100000 1558092100000
4 Other Banking Operations 742300000 742300000
5 Unallocated 61824100000 61824100000
Total Segment Liabilities 3947079600000 3947079600000
Un-allocable Liabilities 0 0
Net Segment Liabilities 3947079600000 3947079600000
Disclosure of notes on segments




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Consolidated
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 1924600000
Adjustments for depreciation and amortisation expense 3829300000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 35852800000
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 0
Other adjustments for which cash effects are investing or financing cash flow 6263400000
Other adjustments to reconcile profit (loss) 0
Other adjustments for non-cash items 0
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 47870100000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 258173400000
Adjustments for decrease (increase) in trade receivables -330502500000
Adjustments for decrease (increase) in other current assets -106189300000
Adjustments for increase (decrease) in trade payables 118405000000
Adjustments for increase (decrease) in other current liabilities -24667100000
Adjustments for provisions 0
Total adjustments for working capital -84780500000
Total adjustments for reconcile profit (loss) -36910400000
Net cash flows from (used in) operations 8814800000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) -19580600000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items 28395400000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 28395400000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 243600000
Purchase of tangible assets 6032800000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items -5789200000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -5789200000
5 Cash flows from used in financing activities
Proceeds from issuing shares 14327800000
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 0
Repayments of borrowings 0
Dividends paid 0
Interest paid 3273100000
Income taxes paid (refund) 0
Other inflows (outflows) of cash -9613600000
Net cash flows from (used in) financing activities before extraordinary items 1441100000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities 1441100000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 24047300000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents 24047300000
Cash and cash equivalents cash flow statement at beginning of period 188149000000
Cash and cash equivalents cash flow statement at end of period 212196300000


Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 M/s R Devendra Kumar & Associates Yes 31-May-2025
2 M/s TEJ RAJ & PAL Yes 31-Jan-2027
3 M/s Laxmi Tripti & Associates Yes 31-May-2025
4 M/s Sanjeev Omprakash Garg & CO Yes 31-Jul-2025


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date