Indian Overseas Bank
NSE: IOB · Public Sector Bank
Snapshot
Unlock Indian Overseas Bank's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Indian Overseas Bank is a public sector bank providing a comprehensive range of banking products and services, including retail, corporate, and agricultural banking. It operates an extensive network of branches and ATMs across India, supplemented by a strategic international presence in select Asian markets.
Business Model
The bank generates revenue primarily through net interest income earned on loans and advances, alongside fee-based income from merchant banking, payment services, and insurance distribution. It mobilises capital through diverse deposit products, including savings, current, and term deposits.
- Domestic Branches:3,214
- ATMs:3,355
- Overseas Branches:4
Growth Outlook
Growth is expected to be driven by the expansion of digital banking services and the deepening of credit penetration in the MSME and agricultural sectors. The bank continues to focus on optimising its branch network and enhancing its retail loan portfolio.
Key Risks
- Asset Quality Risk. The bank faces potential volatility in its loan portfolio due to exposure to corporate and agricultural sectors, which may lead to higher non-performing assets.
- Regulatory and Compliance Risk. As a public sector entity, the bank is subject to stringent regulatory oversight and policy changes by the Reserve Bank of India that may impact operational flexibility.
- Interest Rate Risk. Fluctuations in interest rates can compress net interest margins and affect the valuation of the bank's investment portfolio.
- Cybersecurity Risk. Increasing reliance on digital and internet banking services exposes the institution to potential data breaches and cyber-attacks.
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Key Metrics
NET PROFIT
₹5,758 Cr
TTM · consolidated
EPS
₹3.06
TTM · consolidated
P/E
11.0x
Q1 FY27 · consolidated
Peers · Public Sector Bank
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Indian Overseas BankIOB | ₹64,606 Cr | 10.96 | — | — | — | 15.2% | — | -11.6% |
Bank of MaharashtraMAHABANK | ₹66,109 Cr | 8.77 | — | 17.4% | — | 22.4% | — | +65.2% |
Bank of IndiaBANKINDIA | ₹66,014 Cr | 5.60 | — | 7.9% | — | 12.7% | — | +29.3% |
UCO BankUCOBANK | ₹31,073 Cr | 11.06 | — | 9.0% | — | 8.7% | — | -12.7% |
Central Bank of IndiaCENTRALBK | ₹28,132 Cr | 6.17 | — | — | — | 11.5% | — | -12.0% |
Punjab & Sind BankPSB | ₹16,483 Cr | 11.91 | — | 8.1% | — | 8.1% | — | -18.1% |
Financials
Indian Overseas Bank
NSE: IOB · Public Sector Bank
Snapshot
Unlock Indian Overseas Bank's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Indian Overseas Bank is a public sector bank providing a comprehensive range of banking products and services, including retail, corporate, and agricultural banking. It operates an extensive network of branches and ATMs across India, supplemented by a strategic international presence in select Asian markets.
Business Model
The bank generates revenue primarily through net interest income earned on loans and advances, alongside fee-based income from merchant banking, payment services, and insurance distribution. It mobilises capital through diverse deposit products, including savings, current, and term deposits.
- Domestic Branches:3,214
- ATMs:3,355
- Overseas Branches:4
Growth Outlook
Growth is expected to be driven by the expansion of digital banking services and the deepening of credit penetration in the MSME and agricultural sectors. The bank continues to focus on optimising its branch network and enhancing its retail loan portfolio.
Key Risks
- Asset Quality Risk. The bank faces potential volatility in its loan portfolio due to exposure to corporate and agricultural sectors, which may lead to higher non-performing assets.
- Regulatory and Compliance Risk. As a public sector entity, the bank is subject to stringent regulatory oversight and policy changes by the Reserve Bank of India that may impact operational flexibility.
- Interest Rate Risk. Fluctuations in interest rates can compress net interest margins and affect the valuation of the bank's investment portfolio.
- Cybersecurity Risk. Increasing reliance on digital and internet banking services exposes the institution to potential data breaches and cyber-attacks.
Start your research today
Unlock AI insights, financials, peers and live data on Indian Overseas Bank and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹5,758 Cr
TTM · consolidated
EPS
₹3.06
TTM · consolidated
P/E
11.0x
Q1 FY27 · consolidated
Peers · Public Sector Bank
As of