Indian Overseas Bank Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

8,488.96

8,172.39

7,848.79

7,385.55

7,633.59

7,111.72

6,850.67

Income On Investments

1,912.03

1,905.71

1,871.82

1,828.80

1,816.03

1,808.39

1,753.77

Interest On Balances With Rbi Other Inter Bank Funds

134.62

56.19

56.87

47.65

42.38

46.51

42.02

Interest / Discount On Advances / Bills

6,442.31

6,127.94

5,855.99

5,509.10

5,257.81

5,039.06

5,054.88

Others

0.00

82.55

64.11

0.00

517.37

217.76

0.00

Other Income

1,290.91

1,499.19

1,365.45

1,480.92

1,581.10

1,297.53

1,633.47

Total Income

9,779.87

9,671.58

9,214.24

8,866.47

9,214.69

8,409.25

8,484.14

Interest Expended

5,019.25

4,873.85

4,789.65

4,639.30

4,510.64

4,322.78

4,313.43

Net Interest Income

3,469.71

3,298.54

3,059.14

2,746.25

3,122.95

2,788.94

2,537.24

Total Expenditure (Excl Depreciation)

2,095.57

2,194.63

2,024.56

1,869.22

2,086.13

1,820.46

2,042.49

Employee Cost

1,005.89

1,344.40

1,172.01

1,166.48

1,131.99

1,069.05

1,340.92

Other Operating Expenses

1,089.68

850.23

852.55

702.74

954.14

751.41

701.57

Operating Profit Before Provisions and Contingencies

2,665.05

2,603.10

2,400.03

2,357.95

2,617.92

2,266.01

2,128.22

Exceptional Items

0.00

Provisions and contingencies

1,005.96

1,235.65

672.45

844.05

1,063.46

1,028.64

1,146.33

Profit Before Tax

1,659.09

1,367.45

1,727.58

1,513.90

1,554.46

1,237.37

981.89

Tax

153.64

2.33

501.16

402.86

503.39

363.71

204.73

Profit After Tax

1,505.45

1,365.12

1,226.42

1,111.04

1,051.07

873.66

777.16

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,505.45

1,365.12

1,226.42

1,111.04

1,051.07

873.66

777.16

Face Value

10.0

Reserves

14,824.85

9,489.99

0.00

9,489.99

0.00

Earnings per share (EPS)

0.78

0.71

0.64

0.58

0.55

0.46

0.41

Diluted Earnings per share

0.78

0.71

0.64

0.58

0.56

0.46

0.42

Operating Profit Margin (Excl OI)

63.46%

58.03%

65.64%

63.26%

58.74%

59.94%

53.45%

Gross Profit Margin

19.54%

16.73%

22.01%

20.5%

20.36%

17.4%

14.33%

PAT Margin

17.73%

16.7%

15.63%

15.04%

13.77%

12.28%

11.34%

Net Interest Margin

3.25%

3.32%

3.21%

3.04%

3.58%

3.33%

3.08%

Return on Assets

0.0%

CASA (%)

40.99%

40.85%

40.52%

43.78%

43.65%

43.37%

42.44%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

19.78%

16.3%

17.94%

18.28%

19.04%

16.97%

17.45%

Capital Adequacy Ratio (Tier 1)

16.94%

13.99%

15.53%

15.78%

16.44%

14.33%

14.75%

Provision Coverage Ratio (%)

97.5%

97.49%

97.48%

97.47%

97.3%

97.07%

97.06%

Amount of Gross NPAs

4,409.66

4,529.89

5,078.27

5,178.46

5,347.72

6,070.51

6,249.07

Amount of Net NPAs

637.77

707.92

776.39

816.38

911.86

975.91

1,059.25

% of Net NPAs

0.21%

0.24%

0.28%

0.32%

0.37%

0.42%

0.47%

% of Gross NPAs

1.42%

1.54%

1.83%

1.97%

2.14%

2.55%

2.72%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

3651.0

3622.0

3567.0

3461.0

3497.0

3503.0

3501.0

Number of Branches

3494.0

3438.0

3373.0

3345.0

3335.0

3322.0

3269.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Mar 2026 is 3.87% vs 4.12% in Dec 2025

Net Profit

QoQ Growth in quarter ended Mar 2026 is 10.28% vs 11.31% in Dec 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Mar 2026 is 2.38% vs 8.46% in Dec 2025

% of Net NPAs

QoQ Growth in quarter ended Mar 2026 is -0.03% vs -0.04% in Dec 2025

% of Gross NPAs

QoQ Growth in quarter ended Mar 2026 is -0.12% vs -0.29% in Dec 2025

Compare Quarterly Results Of I O B With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

8,488.96

17,480.39

-8,991.43

-51.44%

Income On Investments

1,912.03

4,105.08

-2,193.05

-53.42%

Interest On Balances With Rbi Other Inter Bank Funds

134.62

438.17

-303.55

-69.28%

Interest / Discount On Advances / Bills

6,442.31

12,702.39

-6,260.08

-49.28%

Others

0.00

234.75

-234.75

-100.0%

Other Income

1,290.91

2,499.68

-1,208.77

-48.36%

Total Income

9,779.87

19,980.07

-10,200.20

-51.05%

Interest Expended

5,019.25

10,370.88

-5,351.63

-51.6%

Net Interest Income

3,469.71

7,109.51

-3,639.80

-51.2%

Total Expenditure (Excl Depreciation)

2,095.57

4,323.46

-2,227.89

-51.53%

Employee Cost

1,005.89

2,711.65

-1,705.76

-62.9%

Other Operating Expenses

1,089.68

1,611.81

-522.13

-32.39%

Operating Profit Before Provisions and Contingencies

2,665.05

5,285.73

-2,620.68

-49.58%

Exceptional Items

0.00

Provisions and contingencies

1,005.96

1,225.76

-219.80

-17.93%

Profit Before Tax

1,659.09

4,059.97

-2,400.88

-59.14%

Tax

153.64

956.84

-803.20

-83.94%

Profit After Tax

1,505.45

3,103.13

-1,597.68

-51.49%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,505.45

3,103.13

-1,597.68

-51.49%

Face Value

10.00

0.00

Reserves

14,824.85

69,876.76

-55,051.91

-78.78%

Earnings per share (EPS)

0.78

23.04

-22.26

-96.61%

Diluted Earnings per share

0.78

23.04

-22.26

-96.61%

Operating Profit Margin (Excl OI)

63.46%

68.25%

0.00

-4.79%

Gross Profit Margin

19.54%

23.23%

0.00

-3.69%

PAT Margin

17.73%

17.75%

0.00

-0.02%

Net Interest Margin

3.25%

3.35%

-0.10

-0.10%

Return on Assets

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%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

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%

Quarterly - Interest Earned

Interest Earned 8488.96 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 3.87% vs 4.12% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 11.21% vs 15.16% in Mar 2025

Quarterly - Net Profit

Net Profit 1,505.45 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 10.28% vs 11.31% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 43.23% vs 30.07% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 2,665.05 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 2.38% vs 8.46% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 1.80% vs 33.49% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.21%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.03% vs -0.04% in Dec 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 1.42%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.12% vs -0.29% in Dec 2025

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