Indian Overseas Bank (IOB) — Net Asset Quality Index
Indian Overseas Bank (IOB) has a Net Asset Quality Index of 8.0% as of December 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of Rs4.48 Trillion minus total liabilities of Rs4.12 Trillion yields net assets of Rs356.79 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Check Indian Overseas Bank asset resilience ratio to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
Indian Overseas Bank Net Asset Quality Index Over Time (2005–2025)
This chart shows how Indian Overseas Bank's Net Asset Quality Index has evolved across 21 annual periods from 2005 to 2025. As of December 2025, the index stands at 8.0%, representing net assets of Rs356.79 Billion against total assets of Rs4.48 Trillion INR. See IOB current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for Indian Overseas Bank (2005–2025)
The table below presents the year-by-year Net Asset Quality Index for Indian Overseas Bank from 2005 to 2025, covering 21 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see IOB stock market capitalisation.
| Year | Quality Index | Net Assets (INR) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 8.2% | Rs322.33 Billion | Rs3.95 Trillion | Rs3.62 Trillion | ▲ +0.3 pp |
| 2024 | 7.8% | Rs275.61 Billion | Rs3.52 Trillion | Rs3.24 Trillion | ▼ -0.1 pp |
| 2023 | 7.9% | Rs248.76 Billion | Rs3.13 Trillion | Rs2.89 Trillion | ▲ +0.4 pp |
| 2022 | 7.6% | Rs225.98 Billion | Rs2.99 Trillion | Rs2.76 Trillion | ▲ +1.3 pp |
| 2021 | 6.2% | Rs170.99 Billion | Rs2.74 Trillion | Rs2.57 Trillion | ▲ +0.0 pp |
| 2020 | 6.2% | Rs161.55 Billion | Rs2.61 Trillion | Rs2.45 Trillion | ▼ -0.3 pp |
| 2019 | 6.5% | Rs163.60 Billion | Rs2.50 Trillion | Rs2.34 Trillion | ▲ +1.2 pp |
| 2018 | 5.4% | Rs132.74 Billion | Rs2.48 Trillion | Rs2.35 Trillion | ▲ +0.7 pp |
| 2017 | 4.7% | Rs137.45 Billion | Rs2.94 Trillion | Rs2.80 Trillion | ▼ -1.0 pp |
| 2016 | 5.7% | Rs156.66 Billion | Rs2.74 Trillion | Rs2.59 Trillion | ▲ +0.2 pp |
| 2015 | 5.5% | Rs156.41 Billion | Rs2.86 Trillion | Rs2.70 Trillion | ▼ -0.4 pp |
| 2014 | 5.9% | Rs161.70 Billion | Rs2.75 Trillion | Rs2.59 Trillion | ▲ +0.4 pp |
| 2013 | 5.5% | Rs134.57 Billion | Rs2.45 Trillion | Rs2.31 Trillion | ▲ +0.1 pp |
| 2012 | 5.4% | Rs119.28 Billion | Rs2.20 Trillion | Rs2.08 Trillion | ▲ +0.2 pp |
| 2011 | 5.2% | Rs93.25 Billion | Rs1.79 Trillion | Rs1.69 Trillion | ▼ -0.5 pp |
| 2010 | 5.7% | Rs75.25 Billion | Rs1.31 Trillion | Rs1.24 Trillion | ▼ -0.2 pp |
| 2009 | 5.9% | Rs71.51 Billion | Rs1.21 Trillion | Rs1.14 Trillion | ▲ +1.1 pp |
| 2008 | 4.8% | Rs48.66 Billion | Rs1.02 Trillion | Rs969.72 Billion | ▼ -0.1 pp |
| 2007 | 4.9% | Rs39.90 Billion | Rs822.57 Billion | Rs782.66 Billion | ▼ -0.5 pp |
| 2006 | 5.4% | Rs31.77 Billion | Rs593.58 Billion | Rs561.80 Billion | ▲ +0.3 pp |
| 2005 | 5.1% | Rs25.75 Billion | Rs508.15 Billion | Rs482.40 Billion | — |