Indian Overseas Bank (IOB) - Net Assets

Latest as of December 2025: Rs356.79 Billion INR ≈ $3.86 Billion USD

Based on the latest financial reports, Indian Overseas Bank (IOB) has net assets worth Rs356.79 Billion INR (≈ $3.86 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs4.48 Trillion ≈ $48.40 Billion USD) and total liabilities (Rs4.12 Trillion ≈ $44.54 Billion USD). 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. Check Indian Overseas Bank liquidity resilience to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric	Value
Current Net Assets	Rs356.79 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. Also explore Indian Overseas Bank asset portfolio for the complete picture of this company's asset base.

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. For live valuation and market cap data, see market value of Indian Overseas Bank.

Year	Net Assets	Change
2025-03-31	Rs322.33 Billion ≈ $3.49 Billion	+16.95%
2024-03-31	Rs275.61 Billion ≈ $2.98 Billion	+10.80%
2023-03-31	Rs248.76 Billion ≈ $2.69 Billion	+10.08%
2022-03-31	Rs225.98 Billion ≈ $2.44 Billion	+32.16%
2021-03-31	Rs170.99 Billion ≈ $1.85 Billion	+5.84%
2020-03-31	Rs161.55 Billion ≈ $1.75 Billion	-1.25%
2019-03-31	Rs163.60 Billion ≈ $1.77 Billion	+23.25%
2018-03-31	Rs132.74 Billion ≈ $1.44 Billion	-3.42%
2017-03-31	Rs137.45 Billion ≈ $1.49 Billion	-12.26%
2016-03-31	Rs156.66 Billion ≈ $1.69 Billion	+0.16%
2015-03-31	Rs156.41 Billion ≈ $1.69 Billion	-3.27%
2014-03-31	Rs161.70 Billion ≈ $1.75 Billion	+20.16%
2013-03-31	Rs134.57 Billion ≈ $1.46 Billion	+12.82%
2012-03-31	Rs119.28 Billion ≈ $1.29 Billion	+27.91%
2011-03-31	Rs93.25 Billion ≈ $1.01 Billion	+23.93%
2010-03-31	Rs75.25 Billion ≈ $813.76 Million	+5.22%
2009-03-31	Rs71.51 Billion ≈ $773.35 Million	+46.96%
2008-03-31	Rs48.66 Billion ≈ $526.24 Million	+21.94%
2007-03-31	Rs39.90 Billion ≈ $431.54 Million	+25.58%
2006-03-31	Rs31.77 Billion ≈ $343.63 Million	+23.39%
2005-03-31	Rs25.75 Billion ≈ $278.50 Million	--

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	Rs192.57 Billion	59.74%
Other Comprehensive Income	Rs171.94 Billion	53.34%
Other Components	Rs83.21 Billion	25.81%
Total Equity	Rs322.33 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
Dundee Precious Metals Inc TO:DPM	$7.29 Billion
Founder Technology Group Co Ltd SHG:600601	$7.30 Billion
Applied Digital Corporation NASDAQ:APLD	$7.31 Billion
BARRY CALLEBA. ADR 1/100 F:BCLM	$7.31 Billion
Cirrus Logic Inc NASDAQ:CRUS	$7.29 Billion
Bid Corporation Ltd JSE:BID	$7.28 Billion
LKQ Corporation NASDAQ:LKQ	$7.28 Billion
99 Speed Mart Retail Holdings Berhad KLSE:5326	$7.28 Billion

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	Rs33.96 Billion	+10.53%
Other Comprehensive Income	Rs26.19 Billion	+8.12%
Other Changes	Rs-13.42 Billion	-4.16%
Total Change	Rs-	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: 2.06x
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 22.37x to 2.06x 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	Rs1.56	Rs35.00	x
2006-03-31	Rs1.93	Rs35.00	x
2007-03-31	Rs2.42	Rs35.00	x
2008-03-31	Rs2.96	Rs35.00	x
2009-03-31	Rs4.34	Rs35.00	x
2010-03-31	Rs4.57	Rs35.00	x
2011-03-31	Rs5.67	Rs35.00	x
2012-03-31	Rs7.25	Rs35.00	x
2013-03-31	Rs8.18	Rs35.00	x
2014-03-31	Rs9.82	Rs35.00	x
2015-03-31	Rs9.50	Rs35.00	x
2016-03-31	Rs107.38	Rs35.00	x
2017-03-31	Rs63.50	Rs35.00	x
2018-03-31	Rs49.00	Rs35.00	x
2019-03-31	Rs29.88	Rs35.00	x
2020-03-31	Rs15.13	Rs35.00	x
2021-03-31	Rs10.39	Rs35.00	x
2022-03-31	Rs11.95	Rs35.00	x
2023-03-31	Rs13.16	Rs35.00	x
2024-03-31	Rs14.58	Rs35.00	x
2025-03-31	Rs16.99	Rs35.00	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	Rs3.94 Billion
2006	24.65%	15.83%	0.08x	18.68x	Rs4.66 Billion
2007	25.27%	16.22%	0.08x	20.61x	Rs6.09 Billion
2008	24.71%	13.70%	0.09x	20.93x	Rs7.16 Billion
2009	18.54%	11.80%	0.09x	16.93x	Rs6.11 Billion
2010	9.40%	6.21%	0.09x	17.42x	Rs-454.97 Million
2011	11.50%	8.05%	0.07x	19.17x	Rs1.40 Billion
2012	8.80%	5.37%	0.09x	18.41x	Rs-1.43 Billion
2013	4.22%	2.50%	0.09x	18.18x	Rs-7.79 Billion
2014	3.72%	2.42%	0.09x	17.00x	Rs-10.15 Billion
2015	-2.90%	-1.74%	0.09x	18.26x	Rs-20.18 Billion
2016	-18.49%	-11.12%	0.09x	17.52x	Rs-44.64 Billion
2017	-24.86%	-14.80%	0.08x	21.39x	Rs-47.91 Billion
2018	-47.46%	-30.24%	0.08x	18.68x	Rs-76.27 Billion
2019	-22.85%	-17.74%	0.08x	15.28x	Rs-53.74 Billion
2020	-52.78%	-42.06%	0.08x	16.14x	Rs-101.43 Billion
2021	4.44%	3.38%	0.08x	16.04x	Rs-9.52 Billion
2022	7.56%	7.90%	0.07x	13.23x	Rs-5.51 Billion
2023	8.46%	8.94%	0.08x	12.60x	Rs-3.84 Billion
2024	9.67%	8.97%	0.08x	12.77x	Rs-904.85 Million
2025	10.53%	10.06%	0.09x	12.25x	Rs1.72 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: $108,245,704,600
Average return on equity (ROE) among peers: 6.74%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Indian Overseas Bank (IOB)	Rs356.79 Billion	25.29%	11.54x	$7.29 Billion
AU Small Finance Bank Limited (AUBANK)	$62.75 Billion	18.66%	7.22x	$8.21 Billion
Bandhan Bank Limited (BANDHANBNK)	$216.10 Billion	10.32%	7.23x	$3.48 Billion
Bank of Baroda (BANKBARODA)	$133.71 Billion	17.83%	16.32x	$14.73 Billion
Bank of India (BANKINDIA)	$245.44 Billion	28.81%	17.60x	$6.89 Billion
Canara Bank (CANBK)	$254.09 Billion	11.69%	15.50x	$13.21 Billion
Capital Small Finance Bank Limited (CAPITALSFB)	$1.15 Billion	11.96%	16.87x	$136.92 Million
Central Bank of India (CENTRALBK)	$110.28 Billion	11.92%	18.04x	$3.57 Billion
CSB Bank Limited (CSBBANK)	$8.88 Billion	-5.98%	16.74x	$699.76 Million
City Union Bank Limited (CUB)	$48.41 Billion	14.11%	8.35x	$2.17 Billion
DCB Bank Limited (DCBBANK)	$1.64 Billion	-51.93%	21.79x	$649.92 Million

About Indian Overseas Bank

NSE:IOB India Banks - Regional

Market Cap

$7.29 Billion

Rs673.98 Billion INR

Market Cap Rank

#2782 Global

#119 in India

Share Price

Rs35.00

Change (1 day)

-0.48%

52-Week Range

Rs31.38 - Rs42.06

All Time High

Rs79.65