IOB Financial Statements

IOB (IOB) reported revenue of ₹337.50B in FY2025 with net income of ₹33.35B. Total assets stood at ₹3,947.08B and free cash flow was ₹22.36B.

IOB Income Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Op. Income Operating Income		169.66B	167.36B	194.07B	240.66B	281.44B
Other Income		55.59B	49.05B	41.16B	56.65B	56.07B
Total Income		225.25B	216.41B	235.23B	297.31B	337.50B
Interest Exp. Interest Expenditure		110.67B	104.19B	111.46B	142.27B	172.44B
Op. Expense Operating Expense		55.62B	54.59B	64.30B	87.31B	77.56B
Provisions Provisions & Contingencies		50.64B	40.53B	38.43B	41.08B	53.54B
Net Income		8.31B	17.09B	21.04B	26.66B	33.35B
Dil. Shares Diluted Shares		16.44B	18.90B	18.90B	18.90B	18.99B
Diluted EPS		0.51	0.92	1.15	1.40	1.76

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows IOB's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

IOB Balance Sheet

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Cash		121.88B	227.50B	171.50B	169.06B	181.16B
Loans & adv. Loans & advances		1,277.21B	1,442.54B	1,780.68B	2,133.30B	2,455.55B
Investments		954.94B	976.41B	936.43B	991.94B	1,105.88B
Total assets		2,740.10B	2,990.30B	3,134.50B	3,518.69B	3,947.08B
Borrowings		36.72B	30.71B	208.04B	303.87B	422.28B
Deposits		2,402.88B	2,622.14B	2,609.74B	2,861.21B	3,119.39B
Total liabilities		2,570.66B	2,764.32B	2,885.74B	3,243.08B	3,624.75B
Total equity		169.45B	225.98B	248.76B	275.61B	322.33B
Total liab. & eq. Total liabilities & equity		2,740.10B	2,990.30B	3,134.50B	3,518.69B	3,947.08B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures IOB's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

IOB Cash Flow Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Net Income		8.55B	17.09B	21.04B	26.66B	33.96B
Operating CF Cash flow Operating Activities		49.51B	55.39B	-155.84B	-11.19B	28.40B
Capex Investments in PPE		-666.57M	-562.32M	-5.82B	-3.65B	-6.03B
Investing CF Cash flow Investing Activities		-479.42M	-492.94M	-5.60B	-3.59B	-5.79B
Dividend Paid		0	0	0	0	0
Financing CF Cash flow Financing Activities		18.13B	4.79B	127.49M	-5.28B	1.44B
Cash (start) Cash at beginning of period		240.61B	309.82B	369.51B	208.21B	188.15B
Cash (end) Cash at end of period		307.76B	369.51B	208.21B	188.15B	212.20B
FCF Free Cash Flow		48.84B	54.83B	-161.66B	-14.84B	22.36B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how IOB's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2025