Indian Overseas Bank Key Ratios

Efficiency Ratios

Metric	Mar 2003	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cost Income Ratio	54.41%	48.89%	48.65%	51.95%	56.31%	46.99%
Core Cost Income Ratio	54.41%	58.18%	52.09%	51.68%	60.29%	48.53%
Operating Costs to Assets	2.30%	2.03%	1.83%	2.05%	2.48%	1.97%

Metric	Mar 2003	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
ROE	31.61%	9.36%	9.90%	10.03%	11.35%	12.65%
ROCE	168.97%	9.99%	8.52%	8.95%	11.13%	10.28%
ROA	1.09%	0.48%	0.60%	0.69%	0.80%	0.91%