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PROFITABILITY
(Quarter Ended 31.03.2025 over 31.03.2024 & 31.12.2024)
IOB hits historic high: Quarterly profit Crosses Rs 1000 Cr mark registering Y-o-Y growth of 30.07 %
• Net Profit increased to ₹1,051 Crore for the Q4FY25 from ₹808 Crore for the Q4FY24, registering a growth of ₹243Crore at 30.07% Y-o-Y basis. The same is increased by 20.25% on a Q-o-Q sequential basis.
• Operating Profit increased to ₹2,618 Crore for Q4FY25 from ₹1,961 Crore for Q4FY24, registering a growth of ₹657 Croreat 33.50% Y-o-Y basis. The same is increased by 15.53 % on a Q-o-Q sequential basis.
• Net Interest Income (NII) increased by 13.03% to ₹3,123Crore for Q4FY25 from ₹2,763 Crore for Q4FY24. The same is increased by 11.98 % on a Q-o-Q sequential basis.
• Cost to Income Ratio improved to 44.35% for Q4FY25 as against 62.58% for Q4FY24. The same was 44.55 % for the quarter ended 31.12.2024.
• Return on Assets (ROA) improved to 1.12 % for Q4FY25 as against 0.94% for Q4FY24.
• Return on Equity (ROE) improved to19.53% for Q4FY25 as against 18.50% for Q4FY24.
• Net interest Margin (NIM)– Domestic improved to 3.77 % for Q4FY25 as against 3.73 % for Q4FY24. The same was 3.47 % as on 31.12.2024
• Net interest Margin (NIM)– Global improved to 3.58 % for Q4FY25 as against 3.53 % for Q4FY24. The same was 3.33 % as on 31.12.2024
PROFITABILITY
(year Ended 31.03.2025 over 31.03.2024)
• Net Profit increased by 25.56 % to ₹3,335 Crore for the year ended 31.03.2025 as against ₹2,656 crore for the year ended 31.03.2024.
• Operating Profit has shown a growth of 28.44 % to ₹8,688crore for the year ended 31.03.2025 as against ₹ 6,764 crore for the year ended 31.03.2024.
• Net Interest Income (NII) increased by 10.79 % on Y-o-Y basis to ₹ 10,890 crore for the year ended 31.03.2025 as against ₹ 9,829 crore for the year ended 31.03.2024
• Cost to Income Ratio improved at 47.14 % for the year ended 31.03.2025 as against 56.32 % for the year ended 31.03.2024.
• Return on Assets (ROA) improved to 0.92 % for the year ended 31.03.2025 against 0.81 % for the year ended 31.03.2024.
• Return on Equity (ROE) stood at 16.28 % for the year ended 31.03.2025.
BUSINESS HIGHLIGHTS
(Quarter Ended 31.03.2025 over 31.03.2024 & 31.12.2024)
• Total Business of the Bank, stood at ₹ 5,61,958 crores as on March 31, 2025, as against ₹ 5,04,923 crores, registering growth of ₹ 57,035 crores (11.30%) on YoY basis. The same is increased by 3.54 % on a Q-o-Q sequential basis
• Total Deposits have increased by ₹ 26,034 crores and stood at ₹3,11,938 crores as on March 31, 2025, as compared to ₹2,85,905 crores as at the end of March 31, 2024, registering growth of 9.11 % on YoY basis. The same is increased by 2.23% on a Q-o-Q sequential basis
• Gross Advances increased by 31,001 crores (14.15%) on YoY basis and stood at ₹ 2,50,019 crores as on March 31, 2025, as against ₹ 2,19,018 crores as on March 31, 2024. The same is increased by 5.21 % on a Q-o-Q sequential basis
• CASA deposits increased to ₹1,36,161 Crore from ₹1,25,508Crore, reflecting Y-o-Y growth of 8.49% basis. The same is increased by 2.89 % on a Q-o-Q sequential basis
• CASA Ratio stood at 43.65% for the quarter ended 31.03.2025.
• Credit to Deposit (CD) Ratio stood at 80.15% for the quarter ended 31.03.2025
ASSET QUALITY
(As on 31.03.2025)
• Gross Non-Performing Assets (GNPA) ratio stood at 2.14 % as on 31.03.2025 against 3.10 % as on 31.03.2024 reduced by 96 bps. The same is reduced by 41 bps on a Q-o-Q sequential basis.
• Net NPA ratio stood at 0.37 % as on 31.03.2025 against 0.57 % as on 31.03.2024. reduced by 20 bps. The same is reduced by 5 bps on a Q-o-Q sequential basis.
• Provision Coverage ratio improved to 97.30 % as on 31.03.2025 as against 96.85 % as on 31.03.2024. The same was 97.07 % as on 31.12.2024.
RECOVERY
• Total Recovery for the quarter ended 31.03.2025 stood at ₹992Crore and for the year (12 months) stood at ₹4,014 Crore
• Recovery from the written off accounts (technical write off & set off) for the quarter ended 31.03.2025 is ₹530 Crore and for the year (12 months) stood at ₹2,689 Crore
CAPITAL ADEQUACY
• BASEL III Capital Adequacy Ratio (CRAR) stood at 19.74% as of 31.03.2025, out of which CET1 is 17.13% and Tier-II is 2.61%.
awards, Accolades & initiatives
• Indian Overseas Bank has secured 5 prestigious Citations at the IBA Banking Technology Awards 2025 for the 2nd consecutive year.
• Indian Overseas Bank is proud to receive the Best Supporting Bank Award for Adi Dravidar Welfare, at TN Beat Expo 2025 (Jan 25-26)
• Indian Overseas Bank signed an MoU with B.S. Abdur Rahman Crescent Institute for launching a Cybersecurity Hackathon, with E&Y as the knowledge partner
• IOB introduced an ESG mascot named “Mr. Harit” to raise awareness about environmental sustainability among its stakeholders.
• IOB signs MoU with Indian Green Building Council (IGBC). Through this MOU, IOB gain access to database of projects which are green building certified and energy efficient
• IOB joins Partnership for Carbon Accounting Financials (PCAF). PCAF is a global partnership of financial institutions that collaboratively develop and implement a harmonized approach to assess and disclose greenhouse gas (GHG) emissions associated with loans and investments
branch network as on 31.03.2025
• Bank is having pan India presence with total 16,967 Touch Points, with network of 3335 branches, 3497 ATMs and 10,135 BC Points as on March 31st, 2025. Out of the total branches, Bank has 1940 (58%) branches in rural & semi-urban areas.During the year, Bank has opened 101 new branches across the country.
