Indian Overseas Bank (IOB) — Financial Flexibility Index
Indian Overseas Bank (IOB) has a Financial Flexibility Index of -0.06x as of September 2025. Free cash flow of Rs-238.66 Billion (operating CF Rs-243.43 Billion minus capex Rs4.77 Billion) represents 0% of total liabilities (Rs3.98 Trillion). Also explore Indian Overseas Bank net asset momentum to track the company's year-over-year net asset growth rate.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Indian Overseas Bank Financial Flexibility Index (2005–2025)
Historical Financial Flexibility Index trend for Indian Overseas Bank across 21 annual periods. Check IOB strategic asset allocation to assess the company's strategic physical and investment asset allocation.
Annual Financial Flexibility Index for Indian Overseas Bank (2005–2025)
Year-by-year free cash flow to debt coverage for Indian Overseas Bank. For the full company profile including market capitalisation, see IOB market cap overview.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | -0.06x | Rs-223.75 Billion | Rs-229.78 Billion | Rs3.62 Trillion | ▼ -2556.1% |
| 2024 | 0.00x | Rs-7.54 Billion | Rs-11.19 Billion | Rs3.24 Trillion | ▲ +95.5% |
| 2023 | -0.05x | Rs-150.01 Billion | Rs-155.84 Billion | Rs2.89 Trillion | ▲ +11.7% |
| 2022 | -0.06x | Rs-162.66 Billion | Rs-163.22 Billion | Rs2.76 Trillion | ▼ -401.5% |
| 2021 | 0.02x | Rs50.17 Billion | Rs49.51 Billion | Rs2.57 Trillion | ▲ +134.3% |
| 2020 | -0.06x | Rs-138.93 Billion | Rs-140.23 Billion | Rs2.45 Trillion | ▼ -21499.7% |
| 2019 | 0.00x | Rs620.24 Million | Rs-7.86 Billion | Rs2.34 Trillion | ▲ +103.7% |
| 2018 | -0.01x | Rs-16.72 Billion | Rs-17.93 Billion | Rs2.35 Trillion | ▼ -449.8% |
| 2017 | 0.00x | Rs-3.63 Billion | Rs-5.05 Billion | Rs2.80 Trillion | ▼ -11.6% |
| 2016 | 0.00x | Rs-3.00 Billion | Rs-15.52 Billion | Rs2.59 Trillion | ▼ -105.1% |
| 2015 | 0.02x | Rs61.07 Billion | Rs59.41 Billion | Rs2.70 Trillion | ▲ +67.2% |
| 2014 | 0.01x | Rs35.00 Billion | Rs32.78 Billion | Rs2.59 Trillion | ▲ +936.9% |
| 2013 | 0.00x | Rs-3.74 Billion | Rs-6.07 Billion | Rs2.31 Trillion | ▼ -108.6% |
| 2012 | 0.02x | Rs39.12 Billion | Rs36.93 Billion | Rs2.08 Trillion | ▲ +3709.5% |
| 2011 | 0.00x | Rs837.77 Million | Rs-270.77 Million | Rs1.69 Trillion | ▲ +105.8% |
| 2010 | -0.01x | Rs-10.57 Billion | Rs-12.10 Billion | Rs1.24 Trillion | ▼ -305.1% |
| 2009 | 0.00x | Rs4.75 Billion | Rs2.43 Billion | Rs1.14 Trillion | ▼ -81.8% |
| 2008 | 0.02x | Rs22.18 Billion | Rs20.86 Billion | Rs969.72 Billion | ▼ -61.8% |
| 2007 | 0.06x | Rs46.89 Billion | Rs45.16 Billion | Rs782.66 Billion | ▲ +279.5% |
| 2006 | -0.03x | Rs-18.75 Billion | Rs-19.55 Billion | Rs561.80 Billion | ▼ -445.2% |
| 2005 | -0.01x | Rs-2.95 Billion | Rs-4.00 Billion | Rs482.40 Billion | — |