Indian Overseas Bank Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

8,777.57

8,488.96

8,172.39

7,848.79

7,385.55

7,633.59

7,111.72

Income On Investments

1,977.51

1,912.03

1,905.71

1,871.82

1,828.80

1,816.03

1,808.39

Interest On Balances With Rbi Other Inter Bank Funds

137.70

134.62

56.19

56.87

47.65

42.38

46.51

Interest / Discount On Advances / Bills

6,662.36

6,442.31

6,127.94

5,855.99

5,509.10

5,257.81

5,039.06

Others

0.00

82.55

64.11

0.00

517.37

217.76

Other Income

2,160.23

1,290.91

1,499.19

1,365.45

1,480.92

1,581.10

1,297.53

Total Income

10,937.80

9,779.87

9,671.58

9,214.24

8,866.47

9,214.69

8,409.25

Interest Expended

5,089.95

5,019.25

4,873.85

4,789.65

4,639.30

4,510.64

4,322.78

Net Interest Income

3,687.62

3,469.71

3,298.54

3,059.14

2,746.25

3,122.95

2,788.94

Total Expenditure (Excl Depreciation)

3,154.75

2,095.57

2,194.63

2,024.56

1,869.22

2,086.13

1,820.46

Employee Cost

2,104.45

1,005.89

1,344.40

1,172.01

1,166.48

1,131.99

1,069.05

Other Operating Expenses

1,050.30

1,089.68

850.23

852.55

702.74

954.14

751.41

Operating Profit Before Provisions and Contingencies

2,693.10

2,665.05

2,603.10

2,400.03

2,357.95

2,617.92

2,266.01

Exceptional Items

0.00

Provisions and contingencies

834.03

1,005.96

1,235.65

672.45

844.05

1,063.46

1,028.64

Profit Before Tax

1,859.07

1,659.09

1,367.45

1,727.58

1,513.90

1,554.46

1,237.37

Tax

199.83

153.64

2.33

501.16

402.86

503.39

363.71

Profit After Tax

1,659.24

1,505.45

1,365.12

1,226.42

1,111.04

1,051.07

873.66

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,659.24

1,505.45

1,365.12

1,226.42

1,111.04

1,051.07

873.66

Face Value

10.0

Reserves

14,824.85

9,489.99

0.00

9,489.99

0.00

Earnings per share (EPS)

0.86

0.78

0.71

0.64

0.58

0.55

0.46

Diluted Earnings per share

0.86

0.78

0.71

0.64

0.58

0.56

0.46

Operating Profit Margin (Excl OI)

54.56%

63.46%

58.03%

65.64%

63.26%

58.74%

59.94%

Gross Profit Margin

21.18%

19.54%

16.73%

22.01%

20.5%

20.36%

17.4%

PAT Margin

18.9%

17.73%

16.7%

15.63%

15.04%

13.77%

12.28%

Net Interest Margin

3.37%

3.25%

3.32%

3.21%

3.04%

3.58%

3.33%

Return on Assets

0.0%

CASA (%)

41.05%

40.99%

40.85%

40.52%

43.78%

43.65%

43.37%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

19.36%

19.78%

16.3%

17.94%

18.28%

19.04%

16.97%

Capital Adequacy Ratio (Tier 1)

16.88%

16.94%

13.99%

15.53%

15.78%

16.44%

14.33%

Provision Coverage Ratio (%)

97.67%

97.5%

97.49%

97.48%

97.47%

97.3%

97.07%

Amount of Gross NPAs

4,292.26

4,409.66

4,529.89

5,078.27

5,178.46

5,347.72

6,070.51

Amount of Net NPAs

588.42

637.77

707.92

776.39

816.38

911.86

975.91

% of Net NPAs

0.18%

0.21%

0.24%

0.28%

0.32%

0.37%

0.42%

% of Gross NPAs

1.33%

1.42%

1.54%

1.83%

1.97%

2.14%

2.55%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

3691.0

3651.0

3622.0

3567.0

3461.0

3497.0

3503.0

Number of Branches

3522.0

3494.0

3438.0

3373.0

3345.0

3335.0

3322.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Jun 2026 is 3.4% vs 3.87% in Mar 2026

Net Profit

QoQ Growth in quarter ended Jun 2026 is 10.22% vs 10.28% in Mar 2026

Operating Profit (PBDIT)

QoQ Growth in quarter ended Jun 2026 is 1.05% vs 2.38% in Mar 2026

% of Net NPAs

QoQ Growth in quarter ended Jun 2026 is -0.03% vs -0.03% in Mar 2026

% of Gross NPAs

QoQ Growth in quarter ended Jun 2026 is -0.09% vs -0.12% in Mar 2026

Compare Quarterly Results Of I O B With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

8,777.57

18,090.16

-9,312.59

-51.48%

Income On Investments

1,977.51

4,222.47

-2,244.96

-53.17%

Interest On Balances With Rbi Other Inter Bank Funds

137.70

399.86

-262.16

-65.56%

Interest / Discount On Advances / Bills

6,662.36

13,123.41

-6,461.05

-49.23%

Others

0.00

344.42

-344.42

-100.0%

Other Income

2,160.23

2,633.46

-473.23

-17.97%

Total Income

10,937.80

20,723.62

-9,785.82

-47.22%

Interest Expended

5,089.95

10,655.40

-5,565.45

-52.23%

Net Interest Income

3,687.62

7,434.76

-3,747.14

-50.4%

Total Expenditure (Excl Depreciation)

3,154.75

4,510.93

-1,356.18

-30.06%

Employee Cost

2,104.45

3,070.58

-966.13

-31.46%

Other Operating Expenses

1,050.30

1,440.35

-390.05

-27.08%

Operating Profit Before Provisions and Contingencies

2,693.10

5,557.29

-2,864.19

-51.54%

Exceptional Items

0.00

Provisions and contingencies

834.03

1,195.72

-361.69

-30.25%

Profit Before Tax

1,859.07

4,361.57

-2,502.50

-57.38%

Tax

199.83

1,088.48

-888.65

-81.64%

Profit After Tax

1,659.24

3,273.09

-1,613.85

-49.31%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,659.24

3,273.09

-1,613.85

-49.31%

Face Value

10.00

0.00

Reserves

14,824.85

69,876.76

-55,051.91

-78.78%

Earnings per share (EPS)

0.86

24.30

-23.44

-96.46%

Diluted Earnings per share

0.86

24.30

-23.44

-96.46%

Operating Profit Margin (Excl OI)

54.56%

68.45%

0.00

-13.89%

Gross Profit Margin

21.18%

24.11%

0.00

-2.93%

PAT Margin

18.90%

18.09%

0.00

0.81%

Net Interest Margin

3.37%

3.41%

-0.04

-0.04%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

41.05%

39.73%

1.32

1.32%

CASA Amount

0.00

3,19,525.00

-3,19,525.00

-100.0%

Capital Adequacy Ratio (Total)

19.36%

17.58%

1.78

1.78%

Capital Adequacy Ratio (Tier 1)

16.88%

16.51%

0.37

0.37%

Provision Coverage Ratio (%)

97.67%

98.22%

-0.55

-0.55%

Amount of Gross NPAs

4,292.26

12,710.34

-8,418.08

-66.23%

Amount of Net NPAs

588.42

990.22

-401.80

-40.58%

% of Net NPAs

0.18%

0.15%

0.03

0.03%

% of Gross NPAs

1.33%

1.86%

-0.53

-0.53%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

3,691.00

5,676.00

-1,985.00

-34.97%

Number of Branches

3,522.00

6,003.00

-2,481.00

-41.33%

Quarterly - Interest Earned

Interest Earned 8777.57 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 3.4% vs 3.87% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 18.85% vs 13.01% in Jun 2025

Quarterly - Net Profit

Net Profit 1,659.24 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 10.22% vs 10.28% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 49.34% vs 75.57% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 2,693.10 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 1.05% vs 2.38% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 14.21% vs 40.70% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.18%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.03% vs -0.03% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.14% vs -0.19% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 1.33%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.09% vs -0.12% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.64% vs -0.92% in Jun 2025