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Indian Overseas Bank
Indian Overseas Bank (IOB) investor relations material
Indian Overseas Bank Corporate presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Corporate presentation summary16 Mar, 2026
Established industry presence
Over 90 years of operations with strong brand recall, especially in South India, and international presence in four countries.
Extensive network with 3,438 branches, 3,622 ATMs, and 11,959 business correspondents serving diverse regions.
92.44% government ownership as of December 2025.
Core drivers of sustainable growth
Global business grew to ₹6,44,276 crore, with deposits at ₹3,49,302 crore and advances at ₹2,94,974 crore as of Dec 2025.
CASA ratio at 40.85%, among the top PSU banks.
RAM segment (Retail, Agriculture, MSME) forms 82% of domestic advances, enhancing portfolio granularity.
Asset quality improved: GNPA at 1.54%, NNPA at 0.24%, PCR at 97.49%.
Robust capital adequacy at 16.30% for 9M FY26.
Financial performance
Net interest income for 9M FY26 at ₹9,104 crore; net profit at ₹3,703 crore.
Return on equity at 19.88%, return on assets at 1.20%, and NIM at 3.2% for 9M FY26.
Cost-to-income ratio improved to 45.27% in Dec 2025.
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Latest events from Indian Overseas Bank
- Net profit up 56%, asset quality and capital ratios improved, advances and retail led growth.IOB
Q3 25/2614 Jan 2026 - Net profit up 20.89% YoY, strong retail/agri growth, improved asset quality, and robust capital ratios.IOBQ3 24/2510 Jan 2026
- Net profit up 25.56% YoY, asset quality improved, and major capital raising plans approved.IOBQ4 24/257 Jan 2026
- Q2 FY26 net profit up 57.8% year-on-year, with strong advances and asset quality gains.IOBQ2 25/2616 Oct 2025
- Net profit and asset quality improved YoY, with strong provision coverage and no regulatory penalties.IOBQ1 24/251 Sep 2025
- Net profit and income grew, asset quality improved, and all regulatory covenants were met.IOBQ2 24/251 Sep 2025
- Net profit soared 75.57% year-over-year, with robust growth, improved asset quality, and high capital adequacy.IOBQ1 24/251 Sep 2025
Next Indian Overseas Bank earnings date
Q4 25/2611 May, 2026
Indian Overseas Bank
Next Indian Overseas Bank earnings date
Q4 25/2611 May, 2026
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