Indian Overseas Bank announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: Net Profit increased to Rs 1,051 crore for the Q4FY25 from Rs 808 crore for the Q4FY24, registering a growth of Rs 243 crore at 30.07% YoY basis. The same is increased by 20.25 % on a QoQ sequential basis. Operating Profit increased to Rs 2,618 crore for Q4FY25 from Rs 1,961 crore for Q4FY24, registering a growth of Rs 657 crore at 33.50% YoY basis. The same is increased by 15.53 % on a QoQ sequential basis. Net Interest Income (NII) increased by 13.03% to Rs 3,123 crore for Q4FY25 from Rs 2,763 crore for Q4FY24. The same is increased by 11.98 % on a QoQ sequential basis. Cost to Income Ratio improved to 44.35% for Q4FY25 as against 62.58% for Q4FY24. The same was 44.55 % for the quarter ended 31.12.2024. Return on Assets (ROA) improved to 1.12 % for Q4FY25 as against 0.94% for Q4FY24. Return on Equity (ROE) improved to19.53% for Q4FY25 as against 18.50% for Q4FY24. Net interest Margin (NIM)- Domestic improved to 3.77 % for Q4FY25 as against 3.73 % for Q4FY24. The same was 3.47 % as on 31.12.2024. Net interest Margin (NIM)- Global improved to 3.58 % for Q4FY25 as against 3.53 % for Q4FY24. The same was 3.33 % as on 31.12.2024 FY25 Financial Highlights: Net Profit increased by 25.56 % to Rs 3,335 crore for FY25 as against Rs 2,656 crore for FY24. Operating Profit has shown a growth of 28.44 % to Rs 8,688 crore for FY25 as against Rs 6,764 crore for FY24. Net Interest Income (NII) increased by 10.79 % on YoY basis to Rs 10,890 crore for FY25 as against Rs 9,829 crore for FY24. Cost to Income Ratio improved at 47.14 % for FY25 as against 56.32 % for FY24. Return on Assets (ROA) improved to 0.92 % for FY25 against 0.81 % for FY24. Return on Equity (ROE) stood at 16.28 % for FY25. Business Highlights: Total Business of the Bank, stood at Rs 5,61,958 crore as on March 31, 2025, as against Rs 5,04,923 crore, registering growth of Rs 57,035 crore (11.30%) on YoY basis. The same is increased by 3.54 % on a QoQ sequential basis. Total Deposits have increased by Rs 26,034 crore and stood at Rs 3,11,938 crore as on March 31, 2025, as compared to Rs 2,85,905 crore as at the end of March 31, 2024, registering growth of 9.11 % on YoY basis. The same is increased by 2.23 % on a QoQ sequential basis Gross Advances increased by 31,001 crore (14.15%) on YoY basis and stood at Rs 2,50,019 crore as on March 31, 2025, as against Rs 2,19,018 crore as on March 31, 2024. The same is increased by 5.21 % on a QoQ sequential basis. CASA deposits increased to Rs 1,36,161 crore from Rs 1,25,508 crore, reflecting Yo-Y growth of 8.49% basis. The same is increased by 2.89 % on a QoQ sequential basis. CASA Ratio stood at 43.65% for the quarter ended 31.03.2025. Credit to Deposit (CD) Ratio stood at 80.15% for the quarter ended 31.03.2025 Asset Quality:\ Gross Non-Performing Assets (GNPA) ratio stood at 2.14 % as on 31.03.2025 against 3.10 % as on 31.03.2024 reduced by 96 bps. The same is reduced by 41 bps on a QoQ sequential basis. Net NPA ratio stood at 0.37 % as on 31.03.2025 against 0.57 % as on 31.03.2024. reduced by 20 bps. The same is reduced by 5 bps on a QoQ sequential basis. Provision Coverage ratio improved to 97.30 % as on 31.03.2025 as against 96.85 % as on 31.03.2024. The same was 97.07 % as on 31.12.2024. Recovery: Total Recovery for the quarter ended 31.03.2025 stood at Rs 992 crore and for the year (12 months) stood at Rs 4,014 crore Recovery from the written off accounts (technical write off & set off) for the quarter ended 31.03.2025 is Rs 530 crore and for the year (12 months) stood at Rs 2,689 crore BASEL III Capital Adequacy Ratio (CRAR) stood at 19.74% as of 31.03.2025, out of which CET1 is 17.13% and Tier-II is 2.61%. Result PDF