Indian Overseas Bank Balance Sheet Health
Financial Health criteria checks 4/6
Indian Overseas Bank has total assets of ₹3,518.7B and total equity of ₹275.6B. Total deposits are ₹2,861.2B, and total loans are ₹2,133.3B earning a Net Interest Margin of 3.3%. It has insufficient allowance for bad loans, which are currently at 3.2% of total loans. Cash and short-term investments are ₹31.7B.
Key information
12.8x
Asset to equity ratio
3.3%
Net interest margin
Total deposits | ₹2.86t |
Loan to deposit ratio | Appropriate |
Bad loans | 3.2% |
Allowance for bad loans | n/a |
Current ratio | Low |
Cash & equivalents | ₹31.73b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: IOB's Assets to Equity ratio (12.8x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if IOB has a sufficient allowance for bad loans.
Low Risk Liabilities: 88% of IOB's liabilities are made up of primarily low risk sources of funding.
Loan Level: IOB has an appropriate level of Loans to Assets ratio (61%).
Low Risk Deposits: IOB's Loans to Deposits ratio (75%) is appropriate.
Level of Bad Loans: IOB has a high level of bad loans (3.2%).