Indian Overseas Bank Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Mar'24

Interest Earned

7,848.79

7,385.55

7,633.59

7,111.72

6,850.67

6,535.03

6,628.89

Income On Investments

1,871.82

1,828.80

1,816.03

1,808.39

1,753.77

1,659.70

1,539.46

Interest On Balances With Rbi Other Inter Bank Funds

56.87

47.65

42.38

46.51

42.02

44.96

29.89

Interest / Discount On Advances / Bills

5,855.99

5,509.10

5,257.81

5,039.06

5,054.88

4,830.37

4,759.93

Others

64.11

0.00

517.37

217.76

0.00

299.61

Other Income

1,365.45

1,480.92

1,581.10

1,297.53

1,633.47

1,032.97

2,477.37

Total Income

9,214.24

8,866.47

9,214.69

8,409.25

8,484.14

7,568.00

9,106.26

Interest Expended

4,789.65

4,639.30

4,510.64

4,322.78

4,313.43

4,093.96

3,865.81

Net Interest Income

3,059.14

2,746.25

3,122.95

2,788.94

2,537.24

2,441.07

2,763.08

Total Expenditure (Excl Depreciation)

2,024.56

1,869.22

2,086.13

1,820.46

2,042.49

1,798.18

3,279.34

Employee Cost

1,172.01

1,166.48

1,131.99

1,069.05

1,340.92

1,124.44

2,517.01

Other Operating Expenses

852.55

702.74

954.14

751.41

701.57

673.74

762.33

Operating Profit Before Provisions and Contingencies

2,400.03

2,357.95

2,617.92

2,266.01

2,128.22

1,675.86

1,961.11

Exceptional Items

0.00

Provisions and contingencies

672.45

844.05

1,063.46

1,028.64

1,146.33

937.87

767.66

Profit Before Tax

1,727.58

1,513.90

1,554.46

1,237.37

981.89

737.99

1,193.45

Tax

501.16

402.86

503.39

363.71

204.73

105.18

385.35

Profit After Tax

1,226.42

1,111.04

1,051.07

873.66

777.16

632.81

808.10

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,226.42

1,111.04

1,051.07

873.66

777.16

632.81

808.10

Face Value

10.0

Reserves

0.00

6,317.25

0.00

6,317.25

Earnings per share (EPS)

0.64

0.58

0.55

0.46

0.41

0.33

0.43

Diluted Earnings per share

0.64

0.58

0.56

0.46

0.42

0.33

0.43

Operating Profit Margin (Excl OI)

65.64%

63.26%

58.74%

59.94%

53.45%

58.13%

38.95%

Gross Profit Margin

22.01%

20.5%

20.36%

17.4%

14.33%

11.29%

18.0%

PAT Margin

15.63%

15.04%

13.77%

12.28%

11.34%

9.68%

12.19%

Net Interest Margin

3.21%

3.04%

3.58%

3.33%

3.08%

3.06%

3.53%

Return on Assets

0.0%

CASA (%)

40.52%

43.78%

43.65%

43.37%

42.44%

42.17%

43.9%

CASA Amount

0.00

1,25,508.00

Capital Adequacy Ratio (Total)

17.94%

18.28%

19.74%

16.97%

17.45%

17.82%

17.28%

Capital Adequacy Ratio (Tier 1)

15.53%

15.78%

17.13%

14.33%

14.75%

14.99%

14.47%

Provision Coverage Ratio (%)

97.48%

97.47%

97.3%

97.07%

97.06%

96.96%

96.85%

Amount of Gross NPAs

5,078.27

5,178.46

5,347.72

6,070.51

6,249.07

6,648.71

6,794.43

Amount of Net NPAs

776.39

816.38

911.86

975.91

1,059.25

1,153.51

1,216.86

% of Net NPAs

0.28%

0.32%

0.37%

0.42%

0.47%

0.51%

0.57%

% of Gross NPAs

1.83%

1.97%

2.14%

2.55%

2.72%

2.89%

3.1%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

3567.0

3461.0

3497.0

3503.0

3501.0

3505.0

3506.0

Number of Branches

3373.0

3345.0

3335.0

3322.0

3269.0

3250.0

3236.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Sep 2025 is 6.27% vs -3.25% in Jun 2025

Net Profit

QoQ Growth in quarter ended Sep 2025 is 10.38% vs 5.71% in Jun 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is 1.78% vs -9.93% in Jun 2025

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is -0.04% vs -0.05% in Jun 2025

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is -0.14% vs -0.17% in Jun 2025

Compare Quarterly Results Of I O B With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

7,848.79

16,589.94

-8,741.15

-52.69%

Income On Investments

1,871.82

4,016.38

-2,144.56

-53.4%

Interest On Balances With Rbi Other Inter Bank Funds

56.87

427.11

-370.24

-86.68%

Interest / Discount On Advances / Bills

5,855.99

11,964.37

-6,108.38

-51.05%

Others

64.11

182.08

-117.97

-64.79%

Other Income

1,365.45

2,486.63

-1,121.18

-45.09%

Total Income

9,214.24

19,076.57

-9,862.33

-51.7%

Interest Expended

4,789.65

10,038.98

-5,249.33

-52.29%

Net Interest Income

3,059.14

6,550.96

-3,491.82

-53.3%

Total Expenditure (Excl Depreciation)

2,024.56

4,201.08

-2,176.52

-51.81%

Employee Cost

1,172.01

2,651.18

-1,479.17

-55.79%

Other Operating Expenses

852.55

1,549.90

-697.35

-44.99%

Operating Profit Before Provisions and Contingencies

2,400.03

4,836.51

-2,436.48

-50.38%

Exceptional Items

0.00

Provisions and contingencies

672.45

738.60

-66.15

-8.96%

Profit Before Tax

1,727.58

4,097.91

-2,370.33

-57.84%

Tax

501.16

1,079.69

-578.53

-53.58%

Profit After Tax

1,226.42

3,018.22

-1,791.80

-59.37%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,226.42

3,018.22

-1,791.80

-59.37%

Face Value

10.00

0.00

Reserves

0.00

60,762.20

-60,762.20

-100.0%

Earnings per share (EPS)

0.64

22.41

-21.77

-97.14%

Diluted Earnings per share

0.64

22.41

-21.77

-97.14%

Operating Profit Margin (Excl OI)

65.64%

70.22%

0.00

-4.58%

Gross Profit Margin

22.01%

24.70%

0.00

-2.69%

PAT Margin

15.63%

18.19%

0.00

-2.56%

Net Interest Margin

3.21%

3.34%

-0.13

-0.13%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

40.52%

38.87%

1.65

1.65%

CASA Amount

0.00

2,88,842.00

-2,88,842.00

-100.0%

Capital Adequacy Ratio (Total)

17.94%

17.31%

0.63

0.63%

Capital Adequacy Ratio (Tier 1)

15.53%

15.27%

0.26

0.26%

Provision Coverage Ratio (%)

97.48%

98.28%

-0.80

-0.80%

Amount of Gross NPAs

5,078.27

16,134.66

-11,056.39

-68.53%

Amount of Net NPAs

776.39

982.98

-206.59

-21.02%

% of Net NPAs

0.28%

0.16%

0.12

0.12%

% of Gross NPAs

1.83%

2.60%

-0.77

-0.77%

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

3,567.00

5,565.00

-1,998.00

-35.9%

Number of Branches

3,373.00

5,955.00

-2,582.00

-43.36%

Quarterly - Interest Earned

Interest Earned 7848.79 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 6.27% vs -3.25% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 14.57% vs 17.69% in Sep 2024

Quarterly - Net Profit

Net Profit 1,226.42 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 10.38% vs 5.71% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 57.81% vs 24.43% in Sep 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 2,400.03 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 1.78% vs -9.93% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 12.77% vs 26.90% in Sep 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.28%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.04% vs -0.05% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -0.19% vs -0.21% in Sep 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 1.83%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.14% vs -0.17% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -0.89% vs -2.02% in Sep 2024