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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
34.51
-0.13 (-0.38%)
BSENSE

Jan 21

BSE+NSE Vol: 1.04 cr

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stock-recommendationNine Monthly Results
Results Snapshot
Figures in Cr
Standalone Nine Monthly Results
Dec'25
Dec'24
Dec'23
Dec'22
Dec'21
Dec'20
Dec'19
Interest Earned
23,406.73
20,497.42
17,420.84
14,207.88
12,515.35
12,908.10
12,963.94
Income On Investments
5,606.33
5,221.86
4,406.32
4,452.80
4,210.90
4,272.77
3,809.49
Interest On Balances With Rbi Other Inter Bank Funds
160.71
133.49
198.85
236.05
167.40
244.16
489.49
Interest / Discount On Advances / Bills
17,493.03
14,924.31
12,815.67
9,519.03
7,977.43
8,391.17
8,664.96
Others
146.66
217.76
0.00
0.00
159.62
0.00
0.00
Other Income
4,345.56
3,963.97
3,178.88
2,678.78
3,499.91
3,542.65
2,264.48
Total Income
27,752.29
24,461.39
20,599.72
16,886.66
16,015.26
16,450.75
15,228.42
Interest Expended
14,302.80
12,730.17
10,354.52
8,229.11
7,813.74
8,412.80
9,192.88
Net Interest Income
9,103.93
7,767.25
7,066.32
5,978.77
4,701.61
4,495.30
3,771.06
Total Expenditure (Excl Depreciation)
6,088.41
5,661.13
5,442.56
4,597.06
3,951.88
3,866.25
3,699.03
Employee Cost
3,682.89
3,534.41
3,622.87
3,000.70
2,535.94
2,536.79
2,366.26
Other Operating Expenses
2,405.52
2,126.72
1,819.69
1,596.36
1,415.94
1,329.46
1,332.77
Operating Profit Before Provisions and Contingencies
7,361.08
6,070.09
4,802.64
4,060.49
4,249.64
4,171.70
2,336.51
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
2,752.15
3,112.84
2,583.58
2,598.13
3,070.77
3,675.64
10,817.80
Profit Before Tax
4,608.93
2,957.25
2,219.06
1,462.36
1,178.87
496.06
-8,481.29
Tax
906.35
673.62
371.57
13.66
21.71
14.36
189.92
Profit After Tax
3,702.58
2,283.63
1,847.49
1,448.70
1,157.16
481.70
-8,671.21
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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
3,702.58
2,283.63
1,847.49
1,448.70
1,157.16
481.70
-8,671.21
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Operating Profit Margin (Excl OI)
73.99%
72.38%
68.76%
67.64%
68.42%
70.05%
71.47%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
15.82%
11.14%
10.61%
10.2%
9.25%
3.73%
-66.89%
Net Interest Margin
3.32%
3.33%
3.12%
3.27%
2.4%
2.45%
1.94%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
40.85%
43.37%
43.49%
44.5%
42.53%
40.93%
39.1%
CASA Amount
0.00
0.00
1,20,914.00
1,14,591.00
1,05,105.00
95,830.00
85,571.00
Capital Adequacy Ratio (Total)
16.3%
16.97%
16.8%
15.16%
15.41%
11.49%
5.53%
Capital Adequacy Ratio (Tier 1)
13.99%
14.33%
13.95%
12.66%
12.94%
8.82%
3.53%
Provision Coverage Ratio (%)
97.49%
97.07%
96.85%
91.34%
92.33%
91.91%
86.2%
Amount of Gross NPAs
4,529.89
6,070.51
8,440.83
14,333.21
15,426.55
16,753.48
23,733.86
Amount of Net NPAs
707.92
975.91
1,302.58
4,000.35
3,586.83
3,904.92
7,087.09
% of Net NPAs
0.24%
0.42%
0.62%
2.43%
2.63%
3.13%
5.81%
% of Gross NPAs
1.54%
2.55%
3.9%
8.19%
10.4%
12.19%
17.12%
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
3622.0
3503.0
3508.0
3455.0
3270.0
3129.0
3210.0
Number of Branches
3438.0
3322.0
3226.0
3220.0
3214.0
3219.0
3270.0
Nine Monthly Analysis Highlights
stock-summary

Interest Earned

YoY Growth in nine months ended Dec 2025 is 14.19% vs 17.66% in Dec 2024

stock-summary

Net Profit

YoY Growth in nine months ended Dec 2025 is 62.14% vs 23.61% in Dec 2024

stock-summary

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is 21.27% vs 26.39% in Dec 2024

stock-summary

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is -0.18% vs -0.20% in Dec 2024

stock-summary

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is -1.01% vs -1.35% in Dec 2024

Compare Nine Monthly Results Of I O B With
Markets Mojo
Figures in Cr
Standalone Nine Monthly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
23,406.73
55,685.41
-32,278.68
-57.97%
Income On Investments
5,606.33
13,589.72
-7,983.39
-58.75%
Interest On Balances With Rbi Other Inter Bank Funds
160.71
2,301.96
-2,141.25
-93.02%
Interest / Discount On Advances / Bills
17,493.03
39,417.38
-21,924.35
-55.62%
Others
146.66
376.35
-229.69
-61.03%
Other Income
4,345.56
6,664.75
-2,319.19
-34.8%
Total Income
27,752.29
62,350.16
-34,597.87
-55.49%
Interest Expended
14,302.80
37,242.84
-22,940.04
-61.6%
Net Interest Income
9,103.93
18,442.57
-9,338.64
-50.64%
Total Expenditure (Excl Depreciation)
6,088.41
13,084.30
-6,995.89
-53.47%
Employee Cost
3,682.89
7,500.33
-3,817.44
-50.9%
Other Operating Expenses
2,405.52
5,583.97
-3,178.45
-56.92%
Operating Profit Before Provisions and Contingencies
7,361.08
12,023.02
-4,661.94
-38.78%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
2,752.15
2,113.31
638.84
30.23%
Profit Before Tax
4,608.93
9,909.71
-5,300.78
-53.49%
Tax
906.35
2,398.35
-1,492.00
-62.21%
Profit After Tax
3,702.58
7,511.36
-3,808.78
-50.71%
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
3,702.58
7,511.36
-3,808.78
-50.71%
Face Value
10.00
10.00
0.00
Reserves
0.00
0.00
0.00
PAT Margin
15.82%
13.49%
0.00
2.33%
Net Interest Margin
3.32%
2.57%
0.75
0.75%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
40.85%
37.97%
2.88
2.88%
CASA Amount
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
16.30%
17.09%
-0.79
-0.79%
Capital Adequacy Ratio (Tier 1)
13.99%
14.36%
-0.37
-0.37%
Provision Coverage Ratio (%)
97.49%
93.60%
3.89
3.89%
Amount of Gross NPAs
4,529.89
16,714.40
-12,184.51
-72.9%
Amount of Net NPAs
707.92
4,359.25
-3,651.33
-83.76%
% of Net NPAs
0.24%
0.60%
-0.36
-0.36%
% of Gross NPAs
1.54%
2.26%
-0.72
-0.72%
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
3,622.00
7,695.00
-4,073.00
-52.93%
Number of Branches
3,438.00
5,447.00
-2,009.00
-36.88%
Nine Monthly - Interest Earned
Interest Earned 23406.73 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is 14.19% vs 17.66% in Dec 2024

Nine Monthly - Net Profit
Net Profit 3,702.58 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is 62.14% vs 23.61% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 7,361.08 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is 21.27% vs 26.39% in Dec 2024

Nine Monthly - % of Net NPAs
% of Net NPAs 0.24%
in Dec 2025

Figures in %
stock-summary

YoY Growth in nine months ended Dec 2025 is -0.18% vs -0.20% in Dec 2024

Nine Monthly - % of Gross NPAs
% of Gross NPAs 1.54%
in Dec 2025

Figures in %
stock-summary

YoY Growth in nine months ended Dec 2025 is -1.01% vs -1.35% in Dec 2024

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