Indian Overseas Bank · NSE:IOB
Indian Overseas Bank — Q1 FY2027 Earnings Presentation
49 slides from Indian Overseas Bank's earnings presentation, Jul 20, 2026
Slide 1: Performance Analysis For Quarter Ended 30th June 2026
Performance Analysis For Quarter Ended 30TH June 2026 (20.07.2026)
Slide 2: Table of Content
Table of Content PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE 03 05 BUSINESS PERFORMANCE NPA MANAGEMENT 13 20 CAPITAL ADEQUACY FINANCIAL INCLUSION 23 25 CUSTOMER TOUCH POINT SHARE HOLDING PATTERN 26 27 ASSETS & LIABILITIES DIGITAL INITIATIVES 28 34 ESG INITIATIVES ACCOLADES & AWARDS 42 45 2
Slide 3: Performance Highlights: Profitability and Business Growth
PERFORMANCE HIGHLIGHTS (Rs. In Crores) PROFITABILITY Quarter Ended Y-o-Y ( %) Parameters Jun-25 Jun-26 Net Interest Income 2746 3688 34.30% PROFITABILITY Non Interest Income 1481 2160 45.87% Operating Income 4227 5848 38.35% Operating Profit 2358 2693 14.21% Net Profit 1111 1659 49.32% BUSINESS GROW
Slide 4: Strengthening Financial Indicators and Asset Quality
PERFORMANCE HIGHLIGHTS (Rs. In Crores) STRENGTHENING FINANCIAL INDICATORS Quarter Ended FINANCIAL INDICATORS Parameters Y-o-Y ( %) STRENGTHENING Jun-25 Jun-26 NIM (DOMESTIC) 3.17% 3.48% 31 bps NIM (GLOBAL) 3.04% 3.37% 33 bps ROA 1.14% 1.41% 27 bps ROE 19.00% 22.69% 369 bps CRAR 18.28% 19.36% 108 bps
Slide 5: Financial Performance
FINANCIAL PERFORMANCE (Rs. In Crores) Quarter Ending Growth % Particulars Q-o-Q Y-o-Y June 26 June 26 Jun-25 Mar-26 Jun-26 Over Over Mar 26 June 25 Interest Income 7386 8489 8778 3.40% 18.85% Interest Expenses 4639 5019 5090 1.41% 9.72% Net Interest Income 2746 3470 3688 6.28% 34.30% Non Interest In
Slide 6: Total Income
TOTAL INCOME (Rs. In Crores) Quarter Ending Growth % Q-o-Q Y-o-Y Particulars June 26 June 26 Jun-25 Mar-26 Jun-26 Over Over Mar 26 June 25 Interest on Loans 5509 6442 6662 3.42% 20.93% Interest on Investment 1829 1912 1978 3.45% 8.15% Other Interest Income 48 135 138 2.22% 187.50% Total Interest Inc
Slide 7: Fee Based Income
FEE BASED INCOME (Rs. In Crores) Quarter Ending Growth % Q-o-Q Y-o-Y Particulars June 26 June 26 Jun-25 Mar-26 Jun-26 Over Over Mar 26 June 25 A. Exchange & Commission 121 172 90 -47.67% -25.62% B. Income from Non Fund 60 68 83 22.06% 38.33% Based Business C. Processing charges 109 124 177 42.74% 62
Slide 8: Total Expenses
TOTAL EXPENSES (Rs. In Crores) Quarter Ending Growth % Particulars Q-o-Q Y-o-Y June 26 June 26 Jun-25 Mar-26 Jun-26 Over Over Mar 26 June 25 Interest on Deposits 4006 4287 4336 1.14% 8.24% Interest on Borrowings 633 733 754 2.86% 19.12% Total Interest Expenses 4639 5019 5090 1.41% 9.72% Staff Expens
Slide 9: Profit Parameter
PROFIT PARAMETER (Rs. In Crores) Quarter Ending Growth % Q-o-Q Y-o-Y Particulars June 26 June 26 Jun-25 Mar-26 Jun-26 Over Over Mar 26 June 25 Operating Profit 2358 2665 2693 1.05% 14.21% Provisions 844 1006 834 -17.10% -1.18% of which NPA Provisions A.) NPA Provisions 178 225 106 -52.89% -40.45% B.
Slide 10: Performance Ratios
PERFORMANCE RATIOS NET INTEREST MARGIN % (DOMESTIC) NET INTEREST MARGIN % (GLOBAL) 3.48 3.32 3.37 3.42 3.21 3.25 3.35 3.35 3.04 3.17 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 RETURN ON ASSETS RETURN ON EQUITY 1.32 1.41 22.69 21.94 1.28 20.98 1.20 19.95 1.14 19.00 JUN 25 S
Slide 11: Performance Ratios
PERFORMANCE RATIOS COST OF DEPOSITS(%) COST OF FUNDS(%) 5.10 5.22 5.05 5.16 5.07 4.92 4.79 4.90 4.70 4.85 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 YIELD ON ADVANCES % (DOMESTIC) YIELD ON ADVANCES % (GLOBAL) 8.94 9.19 8.92 9.18 8.83 9.03 8.97 8.80 8.71 8.89 JUN 25 SEP 25
Slide 12: Performance Ratios
PERFORMANCE RATIOS YIELD ON INVESTMENT % YIELD ON FUNDS(%) 6.75 8.19 8.19 6.79 8.15 6.69 6.67 6.62 7.93 8.00 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 COST TO INCOME CREDIT COST 53.95 0.44 45.76 45.74 44.22 44.02 0.29 0.30 0.18 0.14 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 JUN
Slide 13: Business Performance-Global
BUSINESS PERFORMANCE-GLOBAL (Rs. In Crores) Q-o-Q variation Y-o-Y variation Particulars Jun-25 Mar-26 Jun-26 Amount % Amount % CASA 144837 150936 154415 3479 2.30% 9578 6.61% Savings Bank 107718 124565 127262 2697 2.17% 19544 18.14% Retail Term Deposits 161371 183601 186882 3281 1.79% 25511 15.81% T
Slide 14: Advances
ADVANCES (Rs. In Crores) Q-o-Q variation Y-o-Y variation Parameters Jun-25 Mar-26 Jun-26 Amount % Amount % Retail 70803 91086 96637 5551 6.09% 25834 36.49% Agri 76548 103821 112403 8582 8.27% 35855 46.84% MSME 45246 50107 52554 2447 4.88% 7308 16.15% Total (RAM) 192597 245014 261594 16580 6.77% 6899
Slide 15: Retail Advances
RETAIL ADVANCES (Rs. In Crores) % Share to Total Retail Advances Y-O-Y 36.49% Domestic Retail GROWTH% Period Domestic Advances Advances Advances 96637 91086 83838 Jun-25 244048 70803 29.01% 70803 78765 Sep-25 260416 78765 30.25% Dec-25 278605 83838 30.09% Mar-26 294405 91086 30.94% Jun-26 305999 966
Slide 16: Agriculture Advances
AGRICULTURE ADVANCES (Rs. In Crores) Domestic % Share to Domestic Period Agri Advances Advances Advances Jun-25 244048 76548 31.37% Sep-25 260416 83023 31.88% Dec-25 278605 92996 33.38% Mar-26 294405 103821 35.26% Jun-26 305999 112403 36.73% Y-O-Y Agri Advances GROWTH% 46.84% 112403 103821 92996 830
Slide 17: MSME Advances
MSME ADVANCES (Rs. In Crores) % Share to Domestic Period Domestic Advances MSME Advances Advances Jun-25 244048 45246 18.54% Sep-25 260416 48494 18.62% Dec-25 278605 50635 18.17% Mar-26 294405 50107 17.02% Jun-26 305999 52554 17.17% Y-O-Y Y-O-Y MSME Advances GROWTH% 16.15% CORE MSME GROWTH% 25.38% 5
Slide 18: Investment
INVESTMENT (Rs. In Crores) Parameters Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Domestic Investments 110176 112477 112229 115730 118617 SLR 83109 85240 84734 88552 91550 Non SLR 27067 27236 27495 27178 27067 Held to Maturity 90730 90128 88364 93019 95456 Available for Sale 15415 18030 19313 18449 20037 Hel
Slide 19: Valuations
VALUATIONS Particulars Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 * Return on Equity (%) 19.00 19.95 20.98 21.94 22.69 * Basic & Diluted Earning per Share 0.58 0.64 0.71 0.78 0.86 * Price Earning Ratio 67.21 61.78 50.89 40.23 39.64 Book value per share (in Rs) 12.41 13.13 13.90 14.60 15.79 Price/Book value
Slide 20: NPA Management
NPA MANAGEMENT (Rs. In Crores) Details Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 i) Opening Gross NPAs 5348 5178 5078 4530 4410 a. Cash Recoveries 180 212 144 254 106 b. Upgradation 31 94 46 39 35 c. Write-Offs 238 108 601 242 174 d. Sale to ARCs 0 32 47 64 0 ii) Total Reductions (a+b+c+d+e) 449 446 838 60
Slide 21: NPA Management
NPA MANAGEMENT GNPA(%) NNPA(%) 1.97% 1.83% 0.32% 1.54% 1.42% 0.28% 1.33% 0.24% 0.21% 0.18% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 PCR(%) SLIPPAGE RATIO 97.47% 97.48% 97.49% 97.50% 97.67% 0.13% 84.24% 84.71% 84.37% 86.29% 0.11% 0.11% 85.54% 0.10% 0.06% Jun-25 Sep-25 Dec
Slide 22: Sector-wise Credit Deployment & NPA
SECTOR-WISE CREDIT DEPLOYMENT & NPA (Rs. In Crores) Jun-25 Mar-26 Jun-26 Segmental NPAs ADV NPA Ratio % ADV NPA Ratio % ADV NPA Ratio % Retail 70803 822 1.16% 91086 529 0.58% 96637 511 0.53% Agri 76548 1603 2.09% 103821 1147 1.10% 112403 1095 0.97% MSME 45246 1185 2.62% 50107 1209 2.41% 52554 1176 2
Slide 23: Capital Adequacy
CAPITAL ADEQUACY (Rs. In Crores) Particulars Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Market Risk RWA 2898 2781 2773 2185 1907 Operational Risk RWA 22587 22587 22587 22587 26365 Credit Risk RWA 153666 158915 177382 173159 185441 Total RWA (A) 179152 184284 202743 197932 213713 CET 1 28278 28625 28368 3352
Slide 24: Movement of CRAR & RWAs
MOVEMENT OF CRAR & RWAs CRAR 19.78% 18.28% 17.94% 19.36% 16.30% JUN - 2 5 SE P - 2 5 DEC - 2 5 MA R- 2 6 JUN - 2 6 CREDIT RWA TO ADVANCE RATIO TOTAL RWA TO ADVANCE RATIO 60.13% 58.56% 57.17% 57.57% 68.73% 68.27% 66.30% 55.78% 63.76% 66.34% JUN - 2 5 SE P- 2 5 DEC - 2 5 MA R- 2 6 JUN - 2 6 JUN - 2 5
Slide 25: Financial Inclusion
FINANCIAL INCLUSION PMJDY Account (Number in Lakhs) PMJDY Account Balance(in Crs) 96.25 4200 94.57 93.37 91.55 3991 89.63 3867 3879 3887 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 PMJDY Account (Number in Lakhs) PMJDY Account Balance PMJDY Zero balance Accounts Jansuraksha
Slide 26: Customer Touch Point
CUSTOMER TOUCH POINT Presence Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Domestic 3345 3373 3438 3494 3522 Branches Overseas 4 4 4 4 4 Branches ATM/CR 3461 3567 3622 3651 3691 BC 10872 11467 11959 12187 13401 JUNE-26 DOMESTIC BRANCHES Rural, 959, 27% Metro, 740, 21% Semi Urban, 1103, Urban, 720, 21% 31% 26
Slide 27: Share Holding Pattern as on 30.06.2026
SHARE HOLDING PATTERN AS ON 30.06.2026 Category of Shareholder % share Government of India 92.44% Government FI/Banks 0.33% of India, 92.44% Foreign Portfolio Investor 0.47% (Corporate) Mutual Funds 0.24% Insurance Companies 3.72% Bodies Corporate 0.07% Individual 2.40% ESOP/ESOS/ESPS 0.19% NRI 0.06
Slide 28: Assets & Liabilities
ASSETS & LIABILITIES (Rs. In Lakhs) Balance Sheet as at 30.06.2026 LIABILITIES Standalone Consolidated Particulars 30.06.2026 30.06.2025 30.06.2026 30.06.2025 Capital 1925659 1925659 1925659 1925659 Reserves and Surplus 2015660 1452128 1968898 1388010 Deposits 37619275 33079216 37619275 33079216 Bor
Slide 29: 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 30: 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 31: 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 32: 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 33: Digital Outreach
DIGITAL OUTREACH ATM/CDM INTERNET BANKING REGISTERED USERS (NO OF OUTLETS) (IN LAKHS) 40.57 3691 39.57 3651 3622 38.50 3567 37.11 3461 35.77 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 MOBILE BANKING REGISTERED USERS UPI REGISTERED USERS (IN LAKHS) (IN LAKHS) 166.62 137.65
Slide 34: Technology & Digital Initiatives
TECHNOLOGY & DIGITAL INITIATIVES Self-Service & Mobile-First Digital Solutions Robotic Automation & AI/ML Leveraging Digital Public Infrastructure 34
Slide 35: Customer Centric Innovations
CUSTOMER CENTRIC INNOVATIONS IOB Digital Fixed Deposit VCIP IOB BUDDY (FD) – NTB Customers • Instant digital account opening through hassle-free process by dedicated bank • Intelligent Customer assistant • 100% Digital FD Opening – No Officials Chatbot Branch Visit Required • Secure authentication u
Slide 36: Customer Centric Innovations
CUSTOMER CENTRIC INNOVATIONS IOB Digital Hub DEH Revamped QR Based Feedback (digital.iob.bank.in) Internet Banking • One stop digital platform for all • Instant Customer Feedback • Revamped Internet Banking banking needs through QR scan at • Bill Desk, PayU, BBPS, IOB Pay • Instant access to anytime
Slide 37: Customer Centric Innovations
CUSTOMER CENTRIC INNOVATIONS IOB Online Re-KYC IOB Akshara PIN (Smart Video Based life certificate (Digital KYC Update) & Secure PIN Generation) • Update KYC online without • One stop digital platform for all • Submit Life Certificate from visiting branch banking needs home via Video Life Certificat
Slide 38: Customer Centric Innovations
CUSTOMER CENTRIC INNOVATIONS WhatsApp Banking Mobile Banking RBIH – ULI • Secure real time channel for • 40 lac+ retail users • Unified Lending Interface accessing key banking services • Amongst top 2 PSBs in number • ~15000 enrollments daily via Mobile • ~3.5 daily logins of loan disbursement via U
Slide 39: Employee Centric Innovations
EMPLOYEE CENTRIC INNOVATIONS IOB Gold Nest Geo location based IOB Lawyer’s Diary lead generation • End-to-end digital Jewel Loan • Location-based business lead • Mobile app for Bank’s Panel processing for faster identification. Lawyers disbursement and reduced TAT. • Near real-time business • Real t
Slide 40: Employee Centric Innovations
EMPLOYEE CENTRIC INNOVATIONS Tab Banking KYC Smart Scanner CRM Mobile App • Any Time Any Where service • 20+ Service requests like • QR Based interface to scan KYC delivery Issue/Activate/Block Debit Card, Documents • 30+ services with Savings Credit/Debit freeze account, ,Current Account and 3-in-1
Slide 41: Employee Centric Innovations
EMPLOYEE CENTRIC INNOVATIONS Loan Origination System Robotic Process Automation • 90+ schemes across RAM • Enhance operational efficiency, segment accuracy, and minimize manual • Efficient credit underwriting & intervention. quick credit delivery across • Automated complaint Retail, Agri, MSME Custo
Slide 42: ESG Initiatives: Environmental (E)
ESG INITIATIVES ENVIRONMENTAL (E) Financing IOB Renewable Solar Energy Projects Loans Digital IOB Green Banking Deposit IOB Harit IOB ECO Subhagruha Savings Account Focuses on reducing environmental impact and promoting sustainability. 42
Slide 43: ESG Initiatives: Social (S)
ESG INITIATIVES SOCIAL (S) The Sakthi Financial IOB Chidambaram Literacy Centers Chettiar Memorial (Sneha) Trust Friendly Various IOB Work Credit Scheme Environment for Women Focuses on customers, employees, and society. 43
Slide 44: ESG Initiatives: Governance (G)
ESG INITIATIVES GOVERNANCE (G) Effective Customer Right Monitoring Policy Effective Complying Customer with all Complaints Guidelines & Resolutions Regulations Focuses on ethical management, transparency, and compliance. 44
Slide 45: Accolades & Awards
ACCOLADES & AWARDS Skoch Award for our innovative project "Compliance Apexion" Proud moment for our bank as we've been honored with the prestigious Skoch Award for our innovative project "Compliance Apexion"! Our MD and CEO Shri Ajay Kumar Srivastava unveiled the same in the presence of EDs Shri Joy
Slide 46: Products & Services
= ‘balance. é savings. Just as a tree stands, strong with deep roots, ay 10B Non- cauable Deposit ‘Secure attractive returns with a deposit built for long-term growth 66 |OB) SB Msx Maximize Every Banking Moment. Enjoy greater privileges, added protection and seamless '% 0.05% ROI concession on Pers
Slide 47: Products & Services
A special vehicle loan designed to put women in the driver's seat. ay Planning to Expand Healthcare Services,with ), 10B's Hospital & Equipment [B_Novpper loan limit For large healthcare ambitions. EB coliaterar-Free Funding support under CGTMSE (where eligible) G@ Repayment tenure OF up to15 years
Slide 48: 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 49: Thank You
Thank You 49
Indian Overseas Bank — Q1 FY2027 Earnings Presentation on 6ix