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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Indian Overseas Bank
Indian Overseas Bank (IOB) investor relations material
Indian Overseas Bank Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary26 Oct, 2026
Executive summary
Q2 FY27 net profit rose 55.95% YoY to ₹1,91,242 lakh; total deposits grew 20.16% and advances 24.35% YoY.
GNPA ratio fell to 1.19% and NNPA ratio to 0.16%; CRAR was 18.60% at September 2026.
Board approved reviewed unaudited standalone and consolidated Q2 and H1 results; statutory auditors issued unmodified limited-review conclusions.
Consolidated net profit was ₹1,96,267 lakh for Q2 and ₹3,67,896 lakh for H1.
Financial highlights
Q2 net interest income was ₹3,867 crore, up 26.41% YoY; operating profit before provisions and contingencies was ₹3,01,649 lakh vs ₹2,40,003 lakh YoY.
Standalone Q2 total income was ₹10,42,788 lakh vs ₹9,21,424 lakh YoY; H1 total income was ₹21,36,568 lakh vs ₹18,08,071 lakh.
H1 FY27 net profit was ₹3,57,166 lakh vs ₹2,33,700 lakh; NII was ₹7,555 crore vs ₹5,805 crore.
Q2 non-interest income was ₹1,227 crore, down 43.19% QoQ and 10.11% YoY; fee-based income was ₹543 crore, down 61.71% QoQ.
Q2 operating expenses were ₹2,077 crore, down 34.17% QoQ; total provisions were ₹950 crore, up 13.91% QoQ.
Segment performance
Global deposits were ₹4,07,428 crore, up 8.30% QoQ and 20.16% YoY; advances were ₹3,45,650 crore, up 7.30% QoQ and 24.35% YoY.
RAM advances were ₹2,82,855 crore, up 34.51% YoY and 81.83% of advances; corporate and other advances were ₹62,795 crore, down 7.22% YoY.
Retail advances grew 33.77% YoY to ₹1,05,364 crore; agriculture advances rose 47.31% to ₹1,22,305 crore and MSME advances rose 13.80% to ₹55,186 crore.
Global CASA was ₹1,65,862 crore, up 20.73% YoY; CASA share was 40.71% and global CD ratio was 84.84%.
H1 standalone revenue: Retail ₹10,04,845 lakh, Corporate/Wholesale ₹5,95,236 lakh and Treasury ₹5,03,881 lakh.
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Latest events from Indian Overseas Bank
- Operating profit improved, but rising NPAs and provisions drove another annual loss.IOB
Q4 16/17 - Profit rose 80.7%, net NPA ratio fell, and a Rs.100 crore equity issue was proposed.IOBQ4 02/03
- Record FY04 profit growth and falling NPAs, tempered by material audit uncertainties.IOBQ4 03/04
- Net profit topped ₹1,000 crore as business growth and the Bharat Overseas Bank takeover reshaped the year.IOBQ4 06/07
- Q4 returned to profit, but FY15’s ₹454 crore loss reflected heavy NPA provisions.IOBQ4 14/15
- Record operating profit and lower losses, but asset quality remained strained.IOBQ4 18/19
- Business grew, but provisions and squeezed spreads cut FY99 net profit to Rs.55.34 crore.IOBQ4 98/99
- Profit more than doubled as capital strengthened and net NPA ratio improved to 7.01%.IOBQ4 00/01
- Record operating profit, stronger capital and lower net NPAs, with audit risks still material.IOBQ4 01/02
- Profit and credit growth strengthened, with capital ratios up and NPAs down.IOBQ4 04/05
Next Indian Overseas Bank earnings date
Q3 26/2713 Jan, 2027
Indian Overseas Bank
Next Indian Overseas Bank earnings date
Q3 26/2713 Jan, 2027
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