)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Indian Overseas Bank (IOB) investor relations material
Indian Overseas Bank Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary16 Oct, 2025
Executive summary
Achieved record net profit of INR 1,226 crore for Q2 FY26, a 57.8% year-on-year increase, with operating profit up 12.8% and net interest income up 20.5%.
Business mix reached INR 6,17,034 crore, up 14.1% year-on-year, with advances growing 20.8% and deposits up 9.2%.
Asset quality improved, with gross NPA ratio down to 1.83% and net NPA at 0.28%.
Board approved unaudited standalone and consolidated financial results for the quarter and half-year ended September 30, 2025, with no material misstatements noted.
Added 2.1 million new customers in the last six months, with ongoing branch and digital expansion.
Financial highlights
Net profit for Q2 FY26 at INR 1,226 crore, up from INR 777 crore in Q2 FY25; H1 FY26 net profit at INR 2,33,746 lakhs.
Net interest income for Q2 FY26 was INR 3,059 crore, up 20.53% year-on-year; net interest margin improved to 3.21%.
Operating profit for the quarter at INR 2,400 crore, up 12.8% year-on-year.
Total income for H1 FY26 at INR 18,081 crore, up 8.6% year-on-year.
Fee-based income for H1 FY26 increased 51.3% year-on-year to INR 1,405 crore.
Outlook and guidance
Credit growth guidance remains at a minimum of 12%, with potential to reach 17-20% depending on market dynamics.
No plans to revise guidance upward despite strong performance; targets are considered minimums.
Transition to the new tax regime likely in Q3 or Q4 FY26.
Continued focus on digital transformation, operational efficiency, and sustainable growth.
Bank maintains high provision coverage and prudent risk management.
Clarify the 63,741.15 Lakhs Odisha Grameen Bank adjustment
Assess DTA realizability and disputed tax liability risk
Update on India International Bank (Malaysia) winding up
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Indian Overseas Bank earnings date
Q3 25/2619 Jan, 2026
Next Indian Overseas Bank earnings date
Q3 25/2619 Jan, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
Frequently asked questions
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage