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I O B

  • Market Cap: Mid Cap
  • Industry: Public Sector Bank
  • ISIN: INE565A01014
  • NSEID: IOB
  • BSEID: 532388
  • View on NSE | View on BSE
INR
35.16
-0.02 (-0.06%)
BSENSE

May 07

BSE+NSE Vol: 52.7 lacs

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stock-recommendationAnnual Results
Results Snapshot
Figures in Cr
Standalone Annual Results
Mar'26
Mar'25
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Interest Earned
31,895.68
28,131.01
24,049.73
19,400.33
16,729.87
16,965.53
17,406.11
Income On Investments
7,518.35
7,037.88
5,945.77
5,848.63
5,674.59
5,711.68
5,207.95
Interest On Balances With Rbi Other Inter Bank Funds
295.33
175.88
228.74
401.01
230.49
304.50
624.54
Interest / Discount On Advances / Bills
23,935.34
20,182.13
17,575.61
13,150.69
10,665.17
10,834.35
11,512.55
Others
146.66
735.12
299.61
0.00
159.62
115.00
61.07
Other Income
5,636.47
5,545.07
5,656.26
4,108.75
4,903.02
5,559.02
3,359.68
Total Income
37,532.15
33,676.08
29,705.99
23,509.08
21,632.89
22,524.55
20,765.79
Interest Expended
19,322.04
17,240.80
14,220.32
11,145.44
10,418.73
11,067.03
12,103.28
Net Interest Income
12,573.64
10,890.21
9,829.41
8,254.89
6,311.14
5,898.50
5,302.83
Total Expenditure (Excl Depreciation)
8,183.98
7,747.27
8,721.91
6,421.46
5,451.25
5,561.72
5,128.83
Employee Cost
4,688.77
4,666.40
6,139.89
4,099.05
3,485.77
3,702.78
3,240.72
Other Operating Expenses
3,495.21
3,080.87
2,582.02
2,322.41
1,965.48
1,858.94
1,888.11
Operating Profit Before Provisions and Contingencies
10,026.13
8,688.01
6,763.76
5,942.18
5,762.91
5,895.80
3,480.37
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
3,758.10
4,176.29
3,351.23
3,593.93
3,983.85
5,056.09
11,878.16
Profit Before Tax
6,268.03
4,511.72
3,412.53
2,348.25
1,779.06
839.71
-8,344.48
Tax
1,060.00
1,177.01
756.92
249.46
69.52
8.24
182.92
Profit After Tax
5,208.03
3,334.71
2,655.61
2,098.79
1,709.54
831.47
-8,527.40
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
53.31
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
5,208.03
3,334.71
2,655.61
2,098.79
1,709.54
831.47
-8,580.71
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
14,824.85
9,489.99
6,317.25
3,607.38
1,348.42
-1,712.64
-2,613.38
Earnings per share (EPS)
2.7
1.73
1.4
1.11
0.9
0.51
-5.19
Diluted Earnings per share
2.7
1.76
1.4
1.15
0.92
0.51
-8.04
Operating Profit Margin (Excl OI)
62.56%
57.61%
49.8%
48.38%
43.6%
37.42%
2.29%
Gross Profit Margin
19.65%
16.04%
14.19%
12.1%
10.63%
4.95%
-47.94%
PAT Margin
16.33%
11.85%
11.04%
10.82%
10.22%
4.9%
-48.99%
Net Interest Margin
3.21%
3.25%
3.28%
2.93%
2.41%
2.39%
2.03%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
40.99%
43.65%
43.9%
43.74%
43.44%
42.52%
40.26%
CASA Amount
0.00
0.00
1,25,508.00
1,14,113.00
1,13,877.00
1,02,165.00
89,750.00
Capital Adequacy Ratio (Total)
19.78%
19.04%
17.28%
16.1%
13.83%
15.32%
10.72%
Capital Adequacy Ratio (Tier 1)
16.94%
16.44%
14.47%
12.88%
10.71%
12.91%
8.21%
Provision Coverage Ratio (%)
97.5%
97.3%
96.85%
92.63%
91.66%
90.34%
86.94%
Amount of Gross NPAs
4,409.66
5,347.72
6,794.43
14,071.55
15,298.62
16,323.18
19,912.70
Amount of Net NPAs
637.77
911.86
1,216.86
3,266.01
3,824.62
4,577.59
6,602.80
% of Net NPAs
0.21%
0.37%
0.57%
1.83%
2.65%
3.58%
5.44%
% of Gross NPAs
1.42%
2.14%
3.1%
7.44%
9.82%
11.69%
14.78%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
3651.0
3497.0
3506.0
3477.0
3355.0
3145.0
3032.0
Number of Branches
3494.0
3335.0
3236.0
3220.0
3214.0
3217.0
3270.0
Annual Analysis Highlights
stock-summary

Interest Earned

YoY Growth in year ended Mar 2026 is 13.38% vs 16.97% in Mar 2025

stock-summary

Net Profit

YoY Growth in year ended Mar 2026 is 56.18% vs 25.57% in Mar 2025

stock-summary

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is 15.40% vs 28.45% in Mar 2025

stock-summary

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.16% vs -0.20% in Mar 2025

stock-summary

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -0.72% vs -0.96% in Mar 2025

Compare Annual Results Of I O B With
Markets Mojo
Figures in Cr
Standalone Annual Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
31,895.68
67,450.71
-35,555.03
-52.71%
Income On Investments
7,518.35
16,068.25
-8,549.90
-53.21%
Interest On Balances With Rbi Other Inter Bank Funds
295.33
1,648.78
-1,353.45
-82.09%
Interest / Discount On Advances / Bills
23,935.34
48,853.54
-24,918.20
-51.01%
Others
146.66
880.14
-733.48
-83.34%
Other Income
5,636.47
9,990.58
-4,354.11
-43.58%
Total Income
37,532.15
77,441.29
-39,909.14
-51.53%
Interest Expended
19,322.04
40,535.79
-21,213.75
-52.33%
Net Interest Income
12,573.64
26,914.92
-14,341.28
-53.28%
Total Expenditure (Excl Depreciation)
8,183.98
16,989.40
-8,805.42
-51.83%
Employee Cost
4,688.77
10,760.29
-6,071.52
-56.43%
Other Operating Expenses
3,495.21
6,229.11
-2,733.90
-43.89%
Operating Profit Before Provisions and Contingencies
10,026.13
19,916.10
-9,889.97
-49.66%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
3,758.10
3,512.38
245.72
7.0%
Profit Before Tax
6,268.03
16,403.72
-10,135.69
-61.79%
Tax
1,060.00
4,248.07
-3,188.07
-75.05%
Profit After Tax
5,208.03
12,155.65
-6,947.62
-57.16%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
5,208.03
12,155.65
-6,947.62
-57.16%
Face Value
10.00
10.00
0.00
Reserves
14,824.85
69,876.76
-55,051.91
-78.78%
Earnings per share (EPS)
2.70
90.25
-87.55
-97.01%
Diluted Earnings per share
2.70
90.24
-87.54
-97.01%
Operating Profit Margin (Excl OI)
62.56%
69.60%
0.00
-7.04%
Gross Profit Margin
19.65%
24.32%
0.00
-4.67%
PAT Margin
16.33%
18.02%
0.00
-1.69%
Net Interest Margin
3.21%
3.36%
-0.15
-0.15%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
40.99%
39.67%
1.32
1.32%
CASA Amount
0.00
3,13,548.00
-3,13,548.00
-100.0%
Capital Adequacy Ratio (Total)
19.78%
17.93%
1.85
1.85%
Capital Adequacy Ratio (Tier 1)
16.94%
16.40%
0.54
0.54%
Provision Coverage Ratio (%)
97.50%
98.28%
-0.78
-0.78%
Amount of Gross NPAs
4,409.66
13,190.02
-8,780.36
-66.57%
Amount of Net NPAs
637.77
964.88
-327.11
-33.9%
% of Net NPAs
0.21%
0.15%
0.06
0.06%
% of Gross NPAs
1.42%
1.98%
-0.56
-0.56%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
3,651.00
5,657.00
-2,006.00
-35.46%
Number of Branches
3,494.00
6,001.00
-2,507.00
-41.78%
Annual - Interest Earned
Interest Earned 31895.68 Cr
in Mar 2026

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2026 is 13.38% vs 16.97% in Mar 2025

Annual - Net Profit
Net Profit 5,208.03 Cr
in Mar 2026

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2026 is 56.18% vs 25.57% in Mar 2025

Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 10,026.13 Cr
in Mar 2026

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2026 is 15.40% vs 28.45% in Mar 2025

Annual - % of Net NPAs
% of Net NPAs 0.21%
in Mar 2026

Figures in %
stock-summary

YoY Growth in year ended Mar 2026 is -0.16% vs -0.20% in Mar 2025

Annual - % of Gross NPAs
% of Gross NPAs 1.42%
in Mar 2026

Figures in %
stock-summary

YoY Growth in year ended Mar 2026 is -0.72% vs -0.96% in Mar 2025

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