Indian Overseas Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest Income on Loans	307,117	281,436	240,657	194,070	167,358	169,756
Interest Paid on Deposits	188,132	172,445	142,265	111,463	104,195	110,695
Net Interest Income	122,283	108,992	98,392	82,607	63,164	59,061
Net Interest Income Growth (YoY)	16.01%	10.77%	19.11%	30.78%	6.95%	11.38%
Gain (Loss) on Sale of Assets	17.96	17.96	22.14	15.84	12.01	14.92
Gain (Loss) on Sale of Investments	5,243	5,243	10,229	-644.6	7,421	18,202
Other Non-Interest Income	54,612	50,805	46,402	41,793	41,620	36,639
Total Non-Interest Income	59,873	56,067	56,653	41,164	49,053	54,856
Non-Interest Income Growth (YoY)	-7.36%	-1.03%	37.63%	-16.08%	-10.58%	65.91%
Revenues Before Loan Losses	182,156	165,058	155,045	123,771	112,217	113,917
Provision for Loan Losses	38,164	41,771	33,514	35,939	39,839	50,561
Revenue	143,993	123,288	121,531	87,833	72,378	63,356
Revenue Growth (YoY)	9.73%	1.44%	38.37%	21.35%	14.24%	-
Salaries and Employee Benefits	48,150	46,692	61,433	41,024	34,889	37,059
Occupancy Expenses	10,015	10,015	9,051	7,809	6,414	6,962
Selling, General & Administrative	1,820	1,820	1,621	1,508	1,513	1,512
Other Non-Interest Expense	21,775	19,035	15,200	13,958	11,774	10,157
Total Non-Interest Expense	80,352	77,563	87,305	64,298	54,590	55,690
EBT Excluding Unusual Items	63,640	45,725	34,226	23,534	17,788	7,666
Pretax Income	63,640	45,725	34,226	23,534	17,788	7,666
Income Tax Expense	14,098	11,770	7,569	2,495	695.2	82.4
Net Income	49,543	33,955	26,657	21,040	17,093	7,584
Net Income to Common	49,543	33,955	26,657	21,040	17,093	7,584
Net Income Growth	59.10%	27.38%	26.70%	23.09%	125.39%	-
Basic Shares Outstanding	19,917	18,991	18,902	18,902	18,902	16,437
Diluted Shares Outstanding	19,917	18,991	18,902	18,902	18,902	16,437
Shares Change (YoY)	-	0.47%	-	-	15.00%	53.97%
EPS (Basic)	2.49	1.79	1.41	1.11	0.90	0.46
EPS (Diluted)	2.49	1.79	1.41	1.11	0.90	0.46
EPS Growth	-	26.79%	26.70%	23.09%	96.00%	-
Effective Tax Rate	22.15%	25.74%	22.12%	10.60%	3.91%	1.07%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.