Indian Overseas Bank · NSE:IOB
Indian Overseas Bank — Q4 FY2026 Earnings Presentation
55 slides from Indian Overseas Bank's earnings presentation, Apr 30, 2026
Slide 1: Performance Analysis
Performance Analysis For Quarter / Year Ended 31st March 2026 (29.04.2026) 1
Slide 2: Table of Content
Table of Content About Vision Performance Financial Business NPA Bank Highlights Performance Performance Management 03 04 05-06 07-14 15-21 22-24 Capital Financial Customer Share Assets Performance Adequacy Inclusion Touch Holding & in Last 5 Points Pattern Liabilities years 25-26 27 28 29 30 31-34
Slide 3: About Bank
About Bank 58% of branches Strong Brand Bank is serve Rural & IOB sponsors a Name in SLBC Semi-Urban Regional Rural South India convenor areas, driving Bank especially in in the state deeper Odisha Gramya the State of of Financial Bank Tamil Nadu Tamil Nadu Inclusion in Odisha. 3
Slide 4: Vision
Vision Vision To emerge as the preferred bank connecting generations with high standards of ethics Core Value and governance. • Integrity and transparency • Innovation and collaboration • Sustainability Mission To provide best banking solutions through digital and physical experience for customer de
Slide 5: Performance Highlights: Business Growth and Profitability
PERFORMANCE HIGHLIGHTS (Rs. In Crores) BUSINESS GROWTH Parameters FY 2024-25 FY 2025-26 Y-O-Y ( %) CASA 136161 150936 10.85% CASA% 43.65% 40.99% (266 bps) BUSINESS GROWTH Retail Term Deposits 155846 183601 17.81% Total Deposits 311939 368191 18.03% Advances 250019 310423 24.16% Business 561958 67861
Slide 6: Performance Highlights: Asset Quality and Financial Indicators
PERFORMANCE HIGHLIGHTS (Rs. In Crores) ASSET QUALITY Parameters FY 2024-25 FY 2025-26 Y-o-Y (%) ASSET QUALITY Gross NPA 5348 4410 -17.54% Net NPA 912 638 -30.04% GNPA% 2.14% 1.42% (72 bps) NNPA% 0.37% 0.21% (16 bps) STRENGTHENING FINANCIAL INDICATORS Parameters FY 2024-25 FY 2025-26 Y-o-Y ( %) PCR 9
Slide 7: Financial Performance
FINANCIAL PERFORMANCE (Rs. In Crores) Quarter Ending YEAR ENDING Growth % Q-o-Q Y-o-Y Particulars FY FY Mar 26 Mar 26 Y-o-Y Mar-25 Dec-25 Mar-26 24-25 25-26 Over Over (12 M) Dec 25 Mar 25 Interest Income 7634 8172 8489 28131 31896 3.88% 11.20% 13.38% Interest Expenses 4511 4874 5019 17241 19322 2.97
Slide 8: Total Income
TOTAL INCOME (Rs. In Crores) Quarter Ending YEAR ENDING Growth % Q-o-Q Y-o-Y Particulars FY FY Mar 26 Mar 26 Y-o-Y Mar-25 Dec-25 Mar-26 24-25 25-26 Over Over (12 M) Dec 25 Mar 25 Interest on Loans 5775 6210 6442 20182 24082 3.74% 11.55% 15.13% Interest on Investment 1816 1906 1912 7038 7518 0.31% 5.
Slide 9: Fee Based Income
FEE BASED INCOME (Rs. In Crores) Quarter Ending YEAR ENDING Growth % Q-o-Q Y-o-Y Particulars FY FY Mar 26 Mar 26 Y-o-Y Mar-25 Dec-25 Mar-26 24-25 25-26 Over Over (12 M) Dec 25 Mar 25 A. Exchange & Commission 207 69 172 571 478 149.28% -16.91% -16.29% B. Income from Non-Fund 45 59 68 181 259 15.25% 5
Slide 10: Total Expenses
TOTAL EXPENSES (Rs. In Crores) Quarter Ending YEAR ENDING Growth % Particulars Q-o-Q Y-o-Y FY FY Mar 26 Mar 26 Y-o-Y Mar-25 Dec-25 Mar-26 24-25 25-26 Over Over (12 M) Dec 25 Mar 25 Interest on Deposits 3895 4167 4287 15008 16577 2.88% 10.06% 10.45% Interest on Borrowings 616 707 733 2232 2745 3.68%
Slide 11: Profit Parameter
PROFIT PARAMETER (Rs. In Crores) Quarter Ending YEAR ENDING Growth % Q-o-Q Y-o-Y Particulars FY FY Mar 26 Mar 26 Y-o-Y Mar-25 Dec-25 Mar-26 24-25 25-26 Over Over (12 M) Dec 25 Mar 25 Operating Profit 2618 2603 2665 8688 10026 2.38% 1.80% 15.40% Total Provisions 1064 1236 1006 4176 3758 -18.61% -5.45
Slide 12: Performance Ratios
PERFORMANCE RATIOS COST OF DEPOSITS(%) COST OF FUNDS(%) 5.17 5.10 5.29 5.05 5.22 5.16 4.92 5.07 4.79 4.90 FY 24-25 FY 25-26 FY 24-25 FY 25-26 5.08 4.97 5.24 5.09 MAR 25 JUN 25 SEP 25 DEC 25 MAR 26 MAR 25 JUN 25 SEP 25 DEC 25 MAR 26 YIELD ON ADVANCES % (DOMESTIC) YIELD ON ADVANCES % (GLOBAL) 8.92 8.9
Slide 13: Performance Ratios
PERFORMANCE RATIOS YIELD ON FUNDS(%) RETURN ON ASSETS 8.69 1.28 1.32 1.20 8.15 8.19 8.19 1.12 1.14 7.93 FY 24-25 FY 25-26 FY 24-25 FY 25-26 8.36 8.10 0.92 1.23 MAR 25 JUN 25 SEP 25 DEC 25 MAR 26 MAR 25 JUN 25 SEP 25 DEC 25 MAR 26 YIELD ON INVESTMENT % COST TO INCOME 6.77 6.75 44.35 44.22 45.76 45.74
Slide 14: Performance Ratios
PERFORMANCE RATIOS NET INTEREST MARGIN % (DOMESTIC) 3.42 3.35 3.42 3.17 3.33 FY 2024-25 JUN 25 (Q) SEP 25 (Q) DEC 25 (Q) FY 2025-26 NET INTEREST MARGIN % (GLOBAL) 3.25 3.32 3.21 3.21 3.04 FY 2024-25 JUN 25 (Q) SEP 25 (Q) DEC 25 (Q) FY 2025-26 14
Slide 15: Business Performance-Global
BUSINESS PERFORMANCE-GLOBAL (Rs. In Crores) Q-o-Q variation Y-o-Y variation Particulars Mar-25 Dec-25 Mar-26 Amount % Amount % CASA 136161 142676 150936 8260 5.79% 14775 10.85% Retail Term Deposits 155846 175145 183601 8456 4.83% 27755 17.81% Term Deposits 175777 206627 217256 10629 5.14% 41479 23.6
Slide 16: Deposits and Advances Composition
DEPOSITS AND ADVANCES COMPOSITION DOMESTIC DEPOSITS COMPOSITION MAR 26 Savings Bank 34% Retail Term Dep 53% Current Deposits 7% Bulk Dep 6% % SHARE OF DOMESTIC ADVANCE- MAR 26 POPULATION CATEGORY WISE DISTRIBUTION OF DEPOSITS: MAR 26 Rural Corporate/Others Retail 12% 17% 31% Semi-Urban 18% Metro 49%
Slide 17: Advances
ADVANCES (Rs. In Crores) Q-o-Q variation Y-o-Y variation Parameters Mar-25 Dec-25 Mar-26 Amount % Amount % Retail 62764 83838 91086 7248 8.65% 28322 45.12% Agri 74545 92996 103821 10825 11.64% 29276 39.27% MSME 44310 50635 50107 -528 -1.04% 5797 13.08% Corporate/others 51882 51137 49390 -1747 -3.42%
Slide 18: Retail Advances
RETAIL ADVANCES (Rs. In Crores) % Share to Y-O-Y Domestic Retail Total Retail Advances 45.12% Period Domestic GROWTH% Advances Advances Advances 91086 78765 83838 Mar-25 233501 62764 26.88% 70803 62764 Jun-25 244048 70803 29.01% Sep-25 260416 78765 30.25% Dec-25 278605 83838 30.09% Mar-26 294405 910
Slide 19: Agriculture Advances
AGRICULTURE ADVANCES (Rs. In Crores) % Share to Domestic Period Domestic Advances Agri Advances Advances Mar-25 233501 74545 31.92% Jun-25 244048 76548 31.37% Sep-25 260416 83023 31.88% Dec-25 278605 92996 33.38% Mar-26 294405 103821 35.26% Y-O-Y Agri Advances GROWTH% 39.27% 103821 92996 83023 74545
Slide 20: MSME Advances
MSME ADVANCES (Rs. In Crores) % Share to Domestic Period Domestic Advances MSME Advances Advances Mar-25 233501 44310 18.98% Jun-25 244048 45246 18.54% Sep-25 260416 48494 18.62% Dec-25 278605 50635 18.17% Mar-26 294405 50107 17.02% Y-O-Y Y-O-Y MSME Advances GROWTH% 13.08% CORE MSME Advances GROWTH%
Slide 21: Investment
INVESTMENT (Rs. In Crores) Parameters Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Domestic Investments 107020 110176 112477 112229 115730 SLR 80701 83109 85240 84734 88552 Non SLR 26319 27067 27236 27495 27178 Held to Maturity 88785 90730 90128 88364 93019 Available for Sale 15787 15415 18030 19313 18449 Hel
Slide 22: NPA Management
NPA MANAGEMENT (Rs. In Crores) Details Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 FY 23-24 FY 24-25 i) Opening Gross NPAs 6071 5348 5178 5078 4530 6794 5348 a. Cash Recoveries 263 180 212 144 254 791 790 b. Upgradation 75 31 94 46 39 305 210 c. Write-Offs 3043 238 108 601 242 3883 1190 d. Sale to ARCs 95 0
Slide 23: NPA Management
NPA MANAGEMENT GNPA(%) NNPA(%) 2.14% 1.97% 1.83% 1.54% 1.42% 0.37% 0.32% 0.28% 0.24% 0.21% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 PCR(%) SLIPPAGE RATIO 1.19% 97.30% 97.47% 97.48% 97.49% 97.50% 82.95% 84.24% 84.71% 85.54% 84.37% 0.10% 0.11% 0.11% 0.13% Mar-25 Jun-25 Sep
Slide 24: Sector-wise Credit Deployment & NPA
SECTOR-WISE CREDIT DEPLOYMENT & NPA (Rs. In Crores) Mar-25 Dec-25 Mar-26 Segmental NPAs ADV NPA Ratio % ADV NPA Ratio % ADV NPA Ratio % Retail 62764 754 1.20% 83838 651 0.78% 91086 529 0.58% Agri 74545 1673 2.24% 92996 1228 1.32% 103821 1147 1.10% MSME 44310 1314 2.97% 50635 1140 2.25% 50107 1209 2.
Slide 25: Capital Adequacy
CAPITAL ADEQUACY (Rs. In Crores) Particulars Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Market Risk RWA 2168 2898 2781 2773 2185 Operational Risk RWA 19183 22587 22587 22587 22587 Credit Risk RWA 148316 153666 158915 177382 173159 Total RWA (A) 169667 179152 184284 202743 197932 CET 1 27897 28278 28625 2836
Slide 26: Movement of CRAR & RWAs
MOVEMENT OF CRAR & RWAs CRAR 19.04% 18.28% 17.94% 19.78% 16.30% MAR-25 JUN-25 SEP-25 DEC-25 MAR-26 CREDIT RWA TO ADVANCE RATIO TOTAL RWA TO ADVANCE RATIO 59.32% 60.13% 58.56% 68.73% 57.17% 67.86% 68.27% 66.30% 55.78% 63.76% MA R- 2 5 JUN - 2 5 SE P - 2 5 DEC - 2 5 MA R - 2 6 MA R- 2 5 JUN - 2 5 SE P
Slide 27: Financial Inclusion
FINANCIAL INCLUSION PMJDY Account (Number in Lakhs) PMJDY Account Balance(in Crs) 94.57 3991 93.37 91.55 89.63 3879 3887 3867 87.84 3835 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 PMJDY Account (Number in Lakhs) PMJDY Account Balance PMJDY Zero balance Accounts No in Lakhs
Slide 28: Customer Touch Point Pan India
CUSTOMER TOUCH POINT PAN INDIA Category Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Domestic 3335 3345 3373 3438 3494 Branches Overseas Branches 4 4 4 4 4 ATM/CR 3497 3461 3567 3622 3651 BC 10135 10872 11467 11959 12187 MAR-26 DOMESTICBRANCHES Rural, 956, 27% Metro, 737, 21% Semi Urban, Urban, 717, 21% 1084,
Slide 29: Share Holding Pattern as on 31.03.2026
SHARE HOLDING PATTERN AS ON 31.03.2026 Category of Shareholder % share Government of India 92.44% Government of India, FI/Banks 0.34% 92.44% Foreign Portfolio Investor (Corporate) 0.43% Mutual Funds 0.22% Insurance Companies 3.72% Bodies Corporate 0.11% Individual 2.41% ESOP/ESOS/ESPS 0.19% Institut
Slide 30: Assets & Liabilities
ASSETS & LIABILITIES (Rs. In Lakhs) Balance Sheet as at 31.03.2026 LIABILITIES Standalone Consolidated Particulars 31.03.2026 31.03.2025 31.03.2026 31.03.2025 Capital 1925659 1925659 1925659 1925659 Reserves and Surplus 1825874 1328433 1773408 1297676 Deposits 36819125 31120418 36819125 31120418 Bor
Slide 31: CASA & Deposits Growth in Last 5 Years
CASA & Deposits Growth in last 5 years (Rs. In Crores) CASA (Rs. in Cr) RETAIL TERM DEPOSITS (Rs. in Cr) 183601 150936 136161 125508 155846 113877 114113 137234 141219 130303 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 TERM DEPOSITS (Rs. in Cr) TOTAL DEPOSITS (Rs. in Cr) 21
Slide 32: Advances Growth in Last 5 Years
Advances Growth in last 5 years (Rs. In Crores) RETAIL ADVANCES AGRI ADVANCES 91086 103821 62764 74545 48514 55636 42400 43988 36961 38577 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MSME ADVANCES TOTAL ADVANCES 310423 50107 44310 41552 250019 34856 219018 29494 189009 1558
Slide 33: Retail Segment Loans Growth in Last 5 Years
Retail Segment Loans growth in last 5 years (Rs. In Crores) Home Loans Vehicle Loans 34948 6984 31168 27621 5311 24116 4491 20483 3492 3751 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 Personal Loans Total Retail Portfolio 3353 91086 2714 2083 62764 1537 48514 42400 1095 369
Slide 34: Decreasing NPA Levels & Increase in PCR over 5 Years
Decreasing NPA Levels & Increase in PCR over 5 years (Rs. In Crores) GROSS NPA (Rs. in Cr) GROSS NPA % NET NPA (Rs. in Cr) 3825 15299 14072 3266 9.82% 7.44% 6794 1217 5348 3.10% 912 4410 2.14% 1.42% 638 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25
Slide 35: Digital Outreach
DIGITAL OUTREACH ATM/CDM INTERNET BANKING REGISTERED USERS (NO OF OUTLETS) (IN LAKHS) 3651 39.57 3622 38.50 3567 37.11 3497 35.77 3461 34.18 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 MOBILE BANKING REGISTERED USERS UPI REGISTERED USERS (IN LAKHS) (IN LAKHS) 157.62 129.58
Slide 36: Technology & Digital Initiatives
Technology & Digital Initiatives Self-Service & Mobile-First Digital Solutions Robotic Automation & AI/ML Leveraging Digital Public Infrastructure 36
Slide 37: Technology & Digital Initiatives: Customer Centric Innovations
Technology & Digital Initiatives Customer Centric Innovations IOB Digital Fixed Deposit IOB Digital Hub VCIP (FD) – NTB Customers (digital.iob.bank.in) • Instant digital account opening through • 100% Digital FD Opening – No Branch hassle-free process by dedicated bank • One stop digital platform fo
Slide 38: Technology & Digital Initiatives: Customer Centric Innovations
Technology & Digital Initiatives Customer Centric Innovations Video Based life certificate IOB Online Re-KYC IOB Digital Hub (Digital KYC Update) (digital.iob.bank.in) • Submit Life Certificate from home via • Create PIN using meaningful Tamil or • Update KYC online without visiting branch Video Lif
Slide 39: Technology & Digital Initiatives: Customer Centric Innovations
Technology & Digital Initiatives Customer Centric Innovations WhatsApp Banking Mobile Banking RBIH – ULI • Secure real time channel for accessing • Unified Lending Interface • 35 lac+ retail users key banking services via Mobile • Amongst top 2 PSBs in number of • ~15000 enrollments daily • Fast, se
Slide 40: Technology & Digital Initiatives: Employee Centric Innovations
Technology & Digital Initiatives Employee Centric Innovations Tab Banking KYC Smart Scanner Mobile App CRM • Any Time Any Where service delivery • 20+ Service requests like • QR Based interface to scan KYC • 30+ services with Savings ,Current Issue/Activate/Block Debit Card, Documents Account and 3-
Slide 41: Technology & Digital Initiatives: Employee Centric Innovations
Technology & Digital Initiatives Employee Centric Innovations Loan Origination System Robotic Process Automation IOB Lawyer’s Diary • 90+ schemes across RAM segment • Mobile app for Bank’s Panel Lawyers • Enhance operational efficiency, • Efficient credit underwriting & quick • Real time updates on
Slide 42: ESG Highlights
ESG HIGHLIGHTS 42
Slide 43: ESG Initiatives
ESG INITIATIVES IOB Harit Subhagruha IOB ECO Savings Account IOB Green Deposit 43
Slide 44: ESG Initiatives
ESG INITIATIVES IOB Surya & HL Surya IOB Tejas IOB e-Vehicle 44
Slide 45: ESG Initiatives
ESG INITIATIVES Various IOB Credit Scheme for Women The Sakthi - IOB Chidambaram Chettiar Memorial Trust Financial Literacy Centers (Sneha) Friendly Work Environment 45
Slide 46: ESG Initiatives
ESG INITIATIVES Complying with all Guidelines & Regulations Effective Monitoring Customer Right Policy Effective Customer Complaints Resolutions 46
Slide 47: Accolades & Awards
ACCOLADES & AWARDS Our MD & CEO Shri Ajay Kumar Srivastava receiving the prestigious "Rajbhasha Kirti First Prize" for the FY 2024-25 from the Hon'ble Home Minister Shri Amit Shah ji. 47
Slide 48: Accolades & Awards
ACCOLADES & AWARDS • IOB has been awarded the Best Performer among Public Sector Banks in grievance redressal by the Department of Financial Services(DFS). • Our MD&CEO, Shri. Ajay Kumar Srivastava, received the prestigious award from DFS Secretary, Shri. M. Nagaraju. 48
Slide 49: Accolades & Awards
ACCOLADES & AWARDS At IBA’s 21st Annual Banking Technology Conference & Citations 2024–25, held on 9th January 2026 at Trident, Nariman Point, Mumbai, our Bank was honored with four prestigious recognitions, reaffirming our commitment to technology-led banking and inclusive growth. • Our Achievement
Slide 50: Accolades & Awards
IOB recognised as best performed bank (FY 2024-25) in SHG Linkage IOB recognised as best performed bank (FY 2024-25) in SHG Linkage
Slide 51: Social Media Presence
Social Media Presence @IOBIndia @IOBIndia @indian-overseas-bank 15,12,616 6,02,472 53,142 7,57,668 88,152 32,312 @IOBIndia.in @IOBIndia @IOBIndia 51
Slide 52: Products & Services
PRODUCTS & SERVICES 6108 © im BARR Smmarryy i Top- pated jun a fix Top-up anytime. 4 natant? Withdraw your way. 10B Sakhi Aloan solution helping women take charge of their Finances and future. &10B © ey Introducing sn stan LINE WHEN you CAN BOOK YOUR Want to transfer METRO TICKET ONLINE! Meateyansta
Slide 53: Products & Services
Banking that | moves with you! 108 Connect Mobile Banking App 108 Whats App Banking 108 internet Bonking 108 Digital Hub 108 Credit Cards
Slide 54: Disclaimer
DISCLAIMER Except for the historical information contained herein, statements in this release which contain words or phrases such as "will", "aim" "will likely result", "would", "believe", "may", "expect",', "will continue ", "anticipate", "estimate" "intend", "plan", "contemplate" "seek to" "future
Slide 55: Thank You
Thank You www.iob.bank.in @IOBIndia 1800 890 4445 | 1800 425 4445 +91 96777 11234 55
Indian Overseas Bank — Q4 FY2026 Earnings Presentation on 6ix