Indian Overseas Bank (IOB) Corporate presentation summary

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.