Indian Overseas Bank Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

8,172.39

7,848.79

7,385.55

7,633.59

7,111.72

6,850.67

6,535.03

Income On Investments

1,905.71

1,871.82

1,828.80

1,816.03

1,808.39

1,753.77

1,659.70

Interest On Balances With Rbi Other Inter Bank Funds

56.19

56.87

47.65

42.38

46.51

42.02

44.96

Interest / Discount On Advances / Bills

6,127.94

5,855.99

5,509.10

5,257.81

5,039.06

5,054.88

4,830.37

Others

82.55

64.11

0.00

517.37

217.76

0.00

Other Income

1,499.19

1,365.45

1,480.92

1,581.10

1,297.53

1,633.47

1,032.97

Total Income

9,671.58

9,214.24

8,866.47

9,214.69

8,409.25

8,484.14

7,568.00

Interest Expended

4,873.85

4,789.65

4,639.30

4,510.64

4,322.78

4,313.43

4,093.96

Net Interest Income

3,298.54

3,059.14

2,746.25

3,122.95

2,788.94

2,537.24

2,441.07

Total Expenditure (Excl Depreciation)

2,194.63

2,024.56

1,869.22

2,086.13

1,820.46

2,042.49

1,798.18

Employee Cost

1,344.40

1,172.01

1,166.48

1,131.99

1,069.05

1,340.92

1,124.44

Other Operating Expenses

850.23

852.55

702.74

954.14

751.41

701.57

673.74

Operating Profit Before Provisions and Contingencies

2,603.10

2,400.03

2,357.95

2,617.92

2,266.01

2,128.22

1,675.86

Exceptional Items

0.00

Provisions and contingencies

1,235.65

672.45

844.05

1,063.46

1,028.64

1,146.33

937.87

Profit Before Tax

1,367.45

1,727.58

1,513.90

1,554.46

1,237.37

981.89

737.99

Tax

2.33

501.16

402.86

503.39

363.71

204.73

105.18

Profit After Tax

1,365.12

1,226.42

1,111.04

1,051.07

873.66

777.16

632.81

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,365.12

1,226.42

1,111.04

1,051.07

873.66

777.16

632.81

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

0.71

0.64

0.58

0.55

0.46

0.41

0.33

Diluted Earnings per share

0.71

0.64

0.58

0.56

0.46

0.42

0.33

Operating Profit Margin (Excl OI)

58.03%

65.64%

63.26%

58.74%

59.94%

53.45%

58.13%

Gross Profit Margin

16.73%

22.01%

20.5%

20.36%

17.4%

14.33%

11.29%

PAT Margin

16.7%

15.63%

15.04%

13.77%

12.28%

11.34%

9.68%

Net Interest Margin

3.32%

3.21%

3.04%

3.58%

3.33%

3.08%

3.06%

Return on Assets

0.0%

CASA (%)

40.85%

40.52%

43.78%

43.65%

43.37%

42.44%

42.17%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

16.3%

17.94%

18.28%

19.74%

16.97%

17.45%

17.82%

Capital Adequacy Ratio (Tier 1)

13.99%

15.53%

15.78%

17.13%

14.33%

14.75%

14.99%

Provision Coverage Ratio (%)

97.49%

97.48%

97.47%

97.3%

97.07%

97.06%

96.96%

Amount of Gross NPAs

4,529.89

5,078.27

5,178.46

5,347.72

6,070.51

6,249.07

6,648.71

Amount of Net NPAs

707.92

776.39

816.38

911.86

975.91

1,059.25

1,153.51

% of Net NPAs

0.24%

0.28%

0.32%

0.37%

0.42%

0.47%

0.51%

% of Gross NPAs

1.54%

1.83%

1.97%

2.14%

2.55%

2.72%

2.89%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

3622.0

3567.0

3461.0

3497.0

3503.0

3501.0

3505.0

Number of Branches

3438.0

3373.0

3345.0

3335.0

3322.0

3269.0

3250.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 4.12% vs 6.27% in Sep 2025

Net Profit

QoQ Growth in quarter ended Dec 2025 is 11.31% vs 10.38% in Sep 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is 8.46% vs 1.78% in Sep 2025

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is -0.04% vs -0.04% in Sep 2025

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is -0.29% vs -0.14% in Sep 2025

Compare Quarterly Results Of I O B With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

8,172.39

18,927.13

-10,754.74

-56.82%

Income On Investments

1,905.71

4,435.96

-2,530.25

-57.04%

Interest On Balances With Rbi Other Inter Bank Funds

56.19

681.68

-625.49

-91.76%

Interest / Discount On Advances / Bills

6,127.94

13,680.61

-7,552.67

-55.21%

Others

82.55

128.88

-46.33

-35.95%

Other Income

1,499.19

2,278.82

-779.63

-34.21%

Total Income

9,671.58

21,205.95

-11,534.37

-54.39%

Interest Expended

4,873.85

12,466.44

-7,592.59

-60.9%

Net Interest Income

3,298.54

6,460.69

-3,162.15

-48.94%

Total Expenditure (Excl Depreciation)

2,194.63

4,546.72

-2,352.09

-51.73%

Employee Cost

1,344.40

2,651.82

-1,307.42

-49.3%

Other Operating Expenses

850.23

1,894.90

-1,044.67

-55.13%

Operating Profit Before Provisions and Contingencies

2,603.10

4,192.79

-1,589.69

-37.91%

Exceptional Items

0.00

Provisions and contingencies

1,235.65

575.99

659.66

114.53%

Profit Before Tax

1,367.45

3,616.80

-2,249.35

-62.19%

Tax

2.33

912.13

-909.80

-99.74%

Profit After Tax

1,365.12

2,704.67

-1,339.55

-49.53%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,365.12

2,704.67

-1,339.55

-49.53%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

0.71

5.94

-5.23

-88.05%

Diluted Earnings per share

0.71

5.94

-5.23

-88.05%

Operating Profit Margin (Excl OI)

58.03%

72.93%

0.00

-14.90%

Gross Profit Margin

16.73%

19.11%

0.00

-2.38%

PAT Margin

16.70%

14.29%

0.00

2.41%

Net Interest Margin

3.32%

2.57%

0.75

0.75%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

40.85%

37.97%

2.88

2.88%

CASA Amount

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%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

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%

Quarterly - Interest Earned

Interest Earned 8172.39 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 4.12% vs 6.27% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 14.91% vs 15.16% in Dec 2024

Quarterly - Net Profit

Net Profit 1,365.12 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 11.31% vs 10.38% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 56.25% vs 20.91% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 2,603.10 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 8.46% vs 1.78% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 14.88% vs 27.29% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.24%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.04% vs -0.04% in Sep 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 1.54%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.29% vs -0.14% in Sep 2025

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