Indian Overseas Bank
Indian Overseas Bank provides various banking products and services in India and internationally. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company accepts various deposits, such as demand, savings, current, fixed, recurring, tax saver, and term deposits. Its loan products include home, vehicle, jewel, consumer durable, e… Read more
Indian Overseas Bank (IOB) - Net Assets
Latest net assets as of December 2025: ₹356.79 Billion INR
Based on the latest financial reports, Indian Overseas Bank (IOB) has net assets worth ₹356.79 Billion INR as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹4.48 Trillion) and total liabilities (₹4.12 Trillion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹356.79 Billion |
| % of Total Assets | 7.97% |
| Annual Growth Rate | 13.47% |
| 5-Year Change | 88.51% |
| 10-Year Change | 105.76% |
| Growth Volatility | 14.16 |
Indian Overseas Bank - Net Assets Trend (2005–2025)
This chart illustrates how Indian Overseas Bank's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Indian Overseas Bank (2005–2025)
The table below shows the annual net assets of Indian Overseas Bank from 2005 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹322.33 Billion | +16.95% |
| 2024-03-31 | ₹275.61 Billion | +10.80% |
| 2023-03-31 | ₹248.76 Billion | +10.08% |
| 2022-03-31 | ₹225.98 Billion | +32.16% |
| 2021-03-31 | ₹170.99 Billion | +5.84% |
| 2020-03-31 | ₹161.55 Billion | -1.25% |
| 2019-03-31 | ₹163.60 Billion | +23.25% |
| 2018-03-31 | ₹132.74 Billion | -3.42% |
| 2017-03-31 | ₹137.45 Billion | -12.26% |
| 2016-03-31 | ₹156.66 Billion | +0.16% |
| 2015-03-31 | ₹156.41 Billion | -3.27% |
| 2014-03-31 | ₹161.70 Billion | +20.16% |
| 2013-03-31 | ₹134.57 Billion | +12.82% |
| 2012-03-31 | ₹119.28 Billion | +27.91% |
| 2011-03-31 | ₹93.25 Billion | +23.93% |
| 2010-03-31 | ₹75.25 Billion | +5.22% |
| 2009-03-31 | ₹71.51 Billion | +46.96% |
| 2008-03-31 | ₹48.66 Billion | +21.94% |
| 2007-03-31 | ₹39.90 Billion | +25.58% |
| 2006-03-31 | ₹31.77 Billion | +23.39% |
| 2005-03-31 | ₹25.75 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Indian Overseas Bank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 12537853300000.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | ₹192.57 Billion | 59.74% |
| Other Comprehensive Income | ₹171.94 Billion | 53.34% |
| Other Components | ₹83.21 Billion | 25.81% |
| Total Equity | ₹322.33 Billion | 100.00% |
Indian Overseas Bank Competitors by Market Cap
The table below lists competitors of Indian Overseas Bank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Yabao Pharmaceutical Group Co Ltd
SHG:600351
|
$539.06 Million |
|
Shinkong Synthetic Fiber Corp
TW:1409
|
$539.09 Million |
|
National Healthcare Properties, Inc.
NASDAQ:NHPAP
|
$539.21 Million |
|
C.Q. Pharmaceutical Holding Co Ltd
SHE:000950
|
$539.38 Million |
|
HeNan Splendor Science & Technology Co Ltd
SHE:002296
|
$539.03 Million |
|
Tibet GaoZheng Explosive Co Ltd
SHE:002827
|
$538.95 Million |
|
KATITAS CO., Ltd.
PINK:KTITF
|
$538.93 Million |
|
INVEX Controladora S.A.B. de C.V
MX:INVEXA
|
$538.82 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Indian Overseas Bank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 275,614,491,000 to 322,333,481,000, a change of 46,718,990,000 (17.0%).
- Net income of 33,955,037,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 26,186,137,000.
- Other factors decreased equity by 13,422,184,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹33.96 Billion | +10.53% |
| Other Comprehensive Income | ₹26.19 Billion | +8.12% |
| Other Changes | ₹-13.42 Billion | -4.16% |
| Total Change | ₹- | 16.95% |
Book Value vs Market Value Analysis
This analysis compares Indian Overseas Bank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.89x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 20.50x to 1.89x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-03-31 | ₹1.56 | ₹32.07 | x |
| 2006-03-31 | ₹1.93 | ₹32.07 | x |
| 2007-03-31 | ₹2.42 | ₹32.07 | x |
| 2008-03-31 | ₹2.96 | ₹32.07 | x |
| 2009-03-31 | ₹4.34 | ₹32.07 | x |
| 2010-03-31 | ₹4.57 | ₹32.07 | x |
| 2011-03-31 | ₹5.67 | ₹32.07 | x |
| 2012-03-31 | ₹7.25 | ₹32.07 | x |
| 2013-03-31 | ₹8.18 | ₹32.07 | x |
| 2014-03-31 | ₹9.82 | ₹32.07 | x |
| 2015-03-31 | ₹9.50 | ₹32.07 | x |
| 2016-03-31 | ₹107.38 | ₹32.07 | x |
| 2017-03-31 | ₹63.50 | ₹32.07 | x |
| 2018-03-31 | ₹49.00 | ₹32.07 | x |
| 2019-03-31 | ₹29.88 | ₹32.07 | x |
| 2020-03-31 | ₹15.13 | ₹32.07 | x |
| 2021-03-31 | ₹10.39 | ₹32.07 | x |
| 2022-03-31 | ₹11.95 | ₹32.07 | x |
| 2023-03-31 | ₹13.16 | ₹32.07 | x |
| 2024-03-31 | ₹14.58 | ₹32.07 | x |
| 2025-03-31 | ₹16.99 | ₹32.07 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Indian Overseas Bank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.53%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 10.06%
- • Asset Turnover: 0.09x
- • Equity Multiplier: 12.25x
- Recent ROE (10.53%) is above the historical average (1.31%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 25.29% | 13.71% | 0.09x | 19.73x | ₹3.94 Billion |
| 2006 | 24.65% | 15.83% | 0.08x | 18.68x | ₹4.66 Billion |
| 2007 | 25.27% | 16.22% | 0.08x | 20.61x | ₹6.09 Billion |
| 2008 | 24.71% | 13.70% | 0.09x | 20.93x | ₹7.16 Billion |
| 2009 | 18.54% | 11.80% | 0.09x | 16.93x | ₹6.11 Billion |
| 2010 | 9.40% | 6.21% | 0.09x | 17.42x | ₹-454.97 Million |
| 2011 | 11.50% | 8.05% | 0.07x | 19.17x | ₹1.40 Billion |
| 2012 | 8.80% | 5.37% | 0.09x | 18.41x | ₹-1.43 Billion |
| 2013 | 4.22% | 2.50% | 0.09x | 18.18x | ₹-7.79 Billion |
| 2014 | 3.72% | 2.42% | 0.09x | 17.00x | ₹-10.15 Billion |
| 2015 | -2.90% | -1.74% | 0.09x | 18.26x | ₹-20.18 Billion |
| 2016 | -18.49% | -11.12% | 0.09x | 17.52x | ₹-44.64 Billion |
| 2017 | -24.86% | -14.80% | 0.08x | 21.39x | ₹-47.91 Billion |
| 2018 | -47.46% | -30.24% | 0.08x | 18.68x | ₹-76.27 Billion |
| 2019 | -22.85% | -17.74% | 0.08x | 15.28x | ₹-53.74 Billion |
| 2020 | -52.78% | -42.06% | 0.08x | 16.14x | ₹-101.43 Billion |
| 2021 | 4.44% | 3.38% | 0.08x | 16.04x | ₹-9.52 Billion |
| 2022 | 7.56% | 7.90% | 0.07x | 13.23x | ₹-5.51 Billion |
| 2023 | 8.46% | 8.94% | 0.08x | 12.60x | ₹-3.84 Billion |
| 2024 | 9.67% | 21.93% | 0.03x | 12.77x | ₹-904.85 Million |
| 2025 | 10.53% | 10.06% | 0.09x | 12.25x | ₹1.72 Billion |
Industry Comparison
This section compares Indian Overseas Bank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $153,914,673,384
- Average return on equity (ROE) among peers: 1.72%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Indian Overseas Bank (IOB) | ₹356.79 Billion | 25.29% | 11.54x | $539.06 Million |
| AU Small Finance Bank Limited (AUBANK) | $171.66 Billion | 12.27% | 8.20x | $5.64 Billion |
| Bandhan Bank Limited (BANDHANBNK) | $112.02 Billion | 17.42% | 4.04x | $1.95 Billion |
| Bank of Baroda (BANKBARODA) | $764.90 Billion | 1.21% | 14.69x | $6.06 Billion |
| Canara Bank (CANBK) | $351.83 Billion | 3.86% | 15.94x | $4.81 Billion |
| Capital Small Finance Bank Limited (CAPITALSFB) | $895.11 Million | 15.89% | 17.77x | $29.44 Million |
| Central Bank of India (CENTRALBK) | $110.28 Billion | 11.92% | 18.04x | $275.77 Million |
| CSB Bank Limited (CSBBANK) | $21.80 Billion | 10.02% | 9.70x | $383.55 Million |
| City Union Bank Limited (CUB) | $2.41 Billion | 19.24% | 13.52x | $1.93 Billion |
| DCB Bank Limited (DCBBANK) | $1.99 Billion | -81.69% | 22.36x | $503.70 Million |
| Dhanlaxmi Bank Limited (DHANBANK) | $1.34 Billion | 7.08% | 20.20x | $59.94 Million |