IOB Financial Statements

IOB (IOB) reported revenue of ₹377.43B in FY2026 with net income of ₹52.08B. Total assets stood at ₹4,727.95B and free cash flow was ₹41.34B.

IOB Income Statement

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FY 2025 – FY 2026

Item	Chart	2025	2026
Op. Income Operating Income		281.44B	318.96B
Other Income		56.07B	58.47B
Total Income		337.50B	377.43B
Interest Exp. Interest Expenditure		172.44B	193.22B
Op. Expense Operating Expense		77.56B	81.84B
Provisions Provisions & Contingencies		53.54B	48.18B
Net Income		33.35B	52.08B
Dil. Shares Diluted Shares		18.99B	19.26B
Diluted EPS		1.76	2.70

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 2025 – FY 2026

Item	Chart	2025	2026
Cash		181.16B	166.06B
Loans & adv. Loans & advances		2,455.55B	3,066.22B
Investments		1,105.88B	1,192.85B
Total assets		3,947.08B	4,727.95B
Borrowings		422.28B	516.03B
Deposits		3,119.39B	3,681.91B
Total liabilities		3,624.75B	4,358.05B
Total equity		322.33B	369.91B
Total liab. & eq. Total liabilities & equity		3,947.08B	4,727.95B

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 2025 – FY 2026

Item	Chart	2025	2026
Net Income		33.96B	64.78B
Operating CF Cash flow Operating Activities		28.40B	47.80B
Capex Investments in PPE		-6.03B	-6.46B
Investing CF Cash flow Investing Activities		-5.79B	-6.39B
Dividend Paid		0	0
Financing CF Cash flow Financing Activities		1.44B	-1.38B
Cash (start) Cash at beginning of period		188.15B	212.20B
Cash (end) Cash at end of period		212.20B	252.23B
FCF Free Cash Flow		22.36B	41.34B

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-2026