Indian Overseas Bank Q4 Results: Net Profit Surges 30% YoY to ₹1,051 Crore

Market Performance

Indian Overseas Bank (IOB), a prominent public sector lender, announced its Q4 results for FY25. The bank's impressive financial performance reflects steady growth and improved asset quality.

• Net profit jumped 30.1% year-on-year to ₹1,051.07 crore
• On a sequential basis, profit rose 20.3% from the previous quarter
• Gross NPA improved to 2.14% from 3.10% YoY
• Net NPA also declined to 0.37% compared to 0.57% in the same quarter last year

This performance highlights IOB’s continued focus on asset quality and operational efficiency.

Main News

The Indian Overseas Bank Q4 results showed robust profitability backed by better interest earnings and reduced bad loans. The lender significantly lowered its gross and net non-performing assets (NPAs), which played a critical role in boosting its earnings.

• Gross NPA stood at ₹5,347.72 crore in Q4FY25
  • Down from ₹6,794.43 crore in Q4FY24
• Net NPA reduced to ₹911.86 crore
  • Down from ₹1,216.86 crore a year ago

This consistent improvement underlines the bank’s effective risk management and credit control measures.

Company Financials Snapshot

Revenue

• Interest earned rose 15.2% YoY to ₹7,633.59 crore
  • Up from ₹6,628.89 crore in Q4FY24

Other Income

• Other income declined 36% YoY
  • Dropped to ₹1,581.10 crore from ₹2,477.37 crore in the same quarter last year

Despite the dip in other income, core interest income strength kept the bank’s profitability intact.

Net Profits

• Net profit surged 30.1% YoY to ₹1,051.07 crore
  • Compared to ₹808.1 crore in Q4FY24
  • Also up 20.3% from Q3FY25

Company Details

Indian Overseas Bank has also laid out plans for future capital enhancement:

• Equity fundraise: ₹4,000 crore targeted in FY26
• Tier II bonds: ₹1,000 crore issuance planned

These steps aim to support the bank’s growth trajectory and strengthen its capital base.

Summary

The Indian Overseas Bank Q4 results for FY25 reflect a solid financial position marked by a sharp rise in net profit and declining NPAs. With improved interest income and a clear capital expansion strategy, the bank is on a promising path for sustained performance in the coming fiscal year.