Indian Overseas Bank Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest Income on Loans	239,353	281,436	240,657	194,070	167,358
Interest Income on Investments	79,603	-	-	-	-
Total Interest Income	318,957	281,436	240,657	194,070	167,358
Interest Paid on Deposits	193,220	172,445	142,265	111,463	104,195
Net Interest Income	125,736	108,992	98,392	82,607	63,164
Net Interest Income Growth (YoY)	15.36%	10.77%	19.11%	30.78%	6.95%
Gain (Loss) on Sale of Assets	20.2	17.96	22.14	15.84	12.01
Gain (Loss) on Sale of Investments	137.9	5,243	10,229	-644.6	7,421
Other Non-Interest Income	56,207	50,805	46,402	41,793	41,620
Total Non-Interest Income	56,365	56,067	56,653	41,164	49,053
Non-Interest Income Growth (YoY)	0.53%	-1.03%	37.63%	-16.08%	-10.58%
Revenues Before Loan Losses	182,101	165,058	155,045	123,771	112,217
Provision for Loan Losses	37,581	41,771	33,514	35,939	39,839
Revenue	144,520	123,288	121,531	87,833	72,378
Revenue Growth (YoY)	17.22%	1.44%	38.37%	21.35%	14.24%
Salaries and Employee Benefits	46,888	46,692	61,433	41,024	34,889
Occupancy Expenses	-	10,015	9,051	7,809	6,414
Selling, General & Administrative	-	1,820	1,621	1,508	1,513
Other Non-Interest Expense	34,952	19,035	15,200	13,958	11,774
Total Non-Interest Expense	79,736	77,563	87,305	64,298	54,590
EBT Excluding Unusual Items	64,785	45,725	34,226	23,534	17,788
Pretax Income	64,785	45,725	34,226	23,534	17,788
Income Tax Expense	10,600	11,770	7,569	2,495	695.2
Net Income	54,185	33,955	26,657	21,040	17,093
Net Income to Common	54,185	33,955	26,657	21,040	17,093
Net Income Growth	59.58%	27.38%	26.70%	23.09%	125.39%
Basic Shares Outstanding	19,283	18,991	18,902	18,902	18,902
Diluted Shares Outstanding	19,283	18,991	18,902	18,902	18,902
Shares Change (YoY)	1.54%	0.47%	-	-	15.00%
EPS (Basic)	2.81	1.79	1.41	1.11	0.90
EPS (Diluted)	2.81	1.79	1.41	1.11	0.90
EPS Growth	57.16%	26.79%	26.70%	23.09%	96.00%
Effective Tax Rate	16.36%	25.74%	22.12%	10.60%	3.91%