Indian Overseas Bank (IOB) investor relations material

Executive summary

• Achieved strong year-over-year growth in business and profitability for FY 2025-26, with significant improvements in asset quality and capital adequacy.

• Audited standalone and consolidated financial results for the quarter and year ended March 31, 2026 were approved, with unmodified audit opinions from statutory auditors.

• Focused on digital transformation, financial inclusion, and customer-centric innovations, earning multiple industry accolades.

• Promoter shareholding reduced to 92.44% after an Offer for Sale, increasing public shareholding to 7.56%.

Financial highlights

• Standalone net profit for FY26 was ₹5,20,803 lakhs, up 56.16% year-over-year; consolidated net profit was ₹5,41,846 lakhs.

• Net interest income increased 15.46% year-over-year to ₹12,574 crore.

• Total deposits grew 18.03% year-over-year to ₹3,68,191 crore; advances up 24.16% to ₹3,10,423 crore.

• Operating profit improved 15.40% year-over-year to ₹10,026 crore.

• Total standalone income for FY26 rose to ₹37,53,215 lakhs from ₹33,67,608 lakhs year-over-year.

Outlook and guidance

• Emphasis on expanding digital banking, financial inclusion, and sustainable growth.

• Continued focus on asset quality and capital strength to support future growth.

• The bank holds forward-looking provisions of ₹1,75,000 lakhs for expected credit loss and ₹89,005.60 lakhs for COVID-19 and natural calamity-affected accounts.