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Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
Indian Overseas Bank
Indian Overseas Bank (IOB) investor relations material
Indian Overseas Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary14 Jan, 2026
Executive summary
Achieved record net profit of ₹1,365 crore for Q3 FY26, up 56.18% year-over-year, with 11.34% sequential growth.
Operating profit reached ₹2,603 crore, a record high, up 14.87% year-over-year.
Advances increased 24.13% year-over-year to ₹294,974 crore, and deposits rose 14.48% year-over-year.
Business mix for the nine months ended December 2025 grew 18.71% year-over-year to ₹644,276 crore.
Board approved unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025.
Financial highlights
Net profit for Q3 FY26 was ₹1,365 crore, up from ₹874 crore in Q3 FY25; nine-month net profit at ₹3,70,259 lakhs, up from ₹2,28,364 lakhs year-over-year.
Net Interest Income (NII) for Q3 FY26 was ₹3,299 crore, up 18.29% year-over-year.
Operating income reached ₹4,798 crore, up 17.43% year-over-year; non-interest income at ₹1,499 crore, up 15.49%.
Gross NPA ratio improved to 1.54% (down from 2.55% a year ago); Net NPA at 0.24%.
Capital Adequacy Ratio (Basel III) at 16.30% as of December 31, 2025.
Outlook and guidance
Credit growth expected to end FY26 at 24%-25%, among the highest in the sector.
NIM expected to be maintained in the 3.3%-3.4% range going forward.
CASA percentage to be maintained above 41%.
Recovery for FY26 expected to exceed ₹4,000 crore.
Bank maintains high provision coverage and forward-looking provisions for expected credit loss and contingencies.
Assess ECL framework provision adequacy
Quantify tax regime change impact on profit
Digital Banking segment's initial performance
Outline the strategy for government stake dilution
Elaborate on corporate loan growth strategy
Overseas NPA: What is the recovery roadmap?
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Next Indian Overseas Bank earnings date
Q4 25/2610 May, 2026
Indian Overseas Bank
Next Indian Overseas Bank earnings date
Q4 25/2610 May, 2026
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