Indian Overseas Bank (NSE:IOB)

Indian Overseas Bank Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Net Income	44,045	33,955	26,657	21,040	17,093	7,584
Depreciation & Amortization	4,390	3,945	3,364	2,604	1,726	2,580
Gain (Loss) on Sale of Assets	-165.96	-17.96	-22.14	-15.84	-12.01	-14.92
Gain (Loss) on Sale of Investments	498.18	576.58	-676.36	7,058	4,784	-683.79
Provision for Credit Losses	38,295	44,106	26,034	24,706	36,578	51,149
Change in Other Net Operating Assets	-406,806	-342,954	-323,315	-189,467	-220,177	-187,411
Other Operating Activities	37,918	30,611	5,290	9,929	-3,210	2,922
Operating Cash Flow	-281,826	-229,778	-262,668	-124,145	-163,218	-123,876
Capital Expenditures	-9,335	-6,033	-3,653	-5,824	-562.32	-647.33
Sale of Property, Plant and Equipment	219.87	243.57	59.68	227.28	69.38	187.15
Other Investing Activities	0.1	-0	-	-	0	-
Investing Cash Flow	-9,115	-5,789	-3,593	-5,596	-492.94	-460.19
Long-Term Debt Issued	-	14,328	-	10,000	6,650	-
Long-Term Debt Repaid	-	-	-3,000	-8,000	-	-19,670
Net Debt Issued (Repaid)	14,328	14,328	-3,000	2,000	6,650	-19,670
Net Increase (Decrease) in Deposit Accounts	289,763	258,173	251,479	-12,402	218,610	173,364
Other Financing Activities	-8,953	-12,887	-2,277	-21,161	-1,860	37,798
Financing Cash Flow	295,138	259,614	246,202	-31,563	223,399	191,493
Net Cash Flow	5,160	24,047	-20,059	-161,304	59,688	67,157
Free Cash Flow	-291,161	-235,811	-266,321	-129,969	-163,781	-124,523
Free Cash Flow Margin	-209.44%	-191.27%	-219.14%	-147.97%	-226.29%	-196.54%
Free Cash Flow Per Share	-15.17	-12.42	-14.09	-6.88	-8.66	-7.58
Cash Interest Paid	3,273	3,273	2,277	21,161	1,860	3,202
Cash Income Tax Paid	-	-19,581	5,830	3,360	7,481	1,219

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