Indian Overseas Bank · NSE:IOB
Indian Overseas Bank — Non-Deal Roadshow (March 2026)
48 slides from Indian Overseas Bank's roadshow presentation, Mar 16, 2026
Slide 1: Exchange cover letter on non-deal roadshows
Ref No. IRC/307/2025-26 16.03.2026 The General Manager, The Vice President, Department of Corporate Services, National Stock Exchange Ltd., BSE Limited, Exchange Plaza, C-1 Block G, Floor 1, P.J. Towers, Dalal Street, Bandra-Kurla Complex, Bandra (E), Mumbai 400 001 Mumbai – 400 051 BSE SCRIP CODE:
Slide 2: Indian Overseas Bank – Corporate Presentation
Indian Overseas Bank – Corporate Presentation March 2026
Slide 3: Table of Contents
Table of Contents 1 Indian Overseas Bank Overview 3–5 2 Core Drivers of Sustainable Growth 6 – 19 3 Eminent Leadership 20 – 23 4 Digital and ESG Initiatives 24 – 28 5 Financial Statements 29 – 32 6 Key Growth Strategies 33 – 34 7 Awards & Accolades 35 – 37 8 Summary 38 – 40 9 Appendix 41 – 45 10 Dis
Slide 4: Indian Overseas Bank Overview
Indian Overseas Bank 01 Overview 3 Indian Overseas Bank – Corporate Presentation
Slide 5: Overview of the Bank
Overview of the Bank Overview Financial Snapshot Global Global Global ▪ Indian Overseas Bank (“IOB” or “Bank”) was Business: Deposits: founded on February 10, 1937 by Shri. M. Ct. Advances: ₹ 6,44,276 Crs ₹ 3,49,302 Crs M. Chidambaram Chettyar, and is presently as on as on ₹ 2,94,974 Crs as on Dec 3
Slide 6: PAN India Customer Touchpoints
PAN India Customer Touchpoints Branches ATM/CR 3,236 3,335 3,322 3,438 3,622 3,220 3,506 3,477 3,497 3,503 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 Business Correspondents Dec’25 Branches 11,959 Metro, 21% Rural, 27% 10,135 729 941 9,041 6,379 Semi Urban, 31% Urban, 21%
Slide 7: Core Drivers of Sustainable Growth
Core Drivers of Sustainable 02 Growth 6 Indian Overseas Bank – Corporate Presentation
Slide 8: Core Drivers of Sustainable Growth
Core Drivers of Sustainable Growth 1 Growing Global Business 2 Healthy Liability/Deposits Profile 3 Healthy Loan Book Growth 4 Investment Portfolio 5 Robust Asset Quality 6 Improved Credit Rating & Capital Adequacy 7 Financial Performance 7 Indian Overseas Bank – Corporate Presentation
Slide 9: Growing Global Business
Growing Global Business Global Business Global Deposit (INR crores) (INR crores) 6,44,276 3,49,302 5,61,958 5,42,753 3,11,939 3,05,121 5,04,923 2,85,905 4,49,892 2,60,883 FY23 FY24 FY25 9M FY25 9M FY26 FY23 FY24 FY25 9M FY25 9M FY26 Global Advances Business Portfolio Share Dec’25 (INR crores) 2,94,9
Slide 10: Healthy Liability/Deposits Profile
Healthy Liability/Deposits Profile Domestic Deposit Profile CASA (%) (INR crores) 43.90% 24,801 43.74% 43.65% 43.37% 13,925 16,249 25,927 14,314 28,126 27,499 40.85% 11,928 22,919 16,670 1,16,749 1,08,035 1,04,839 1,02,589 97,443 1,55,846 1,50,563 1,75,145 1,30,303 1,41,219 FY23 FY24 FY25 Dec-24 Dec
Slide 11: Healthy Loan Book Growth (1/2)
Healthy Loan Book Growth (1/2) Advance Mix Summation of Domestic Advances Domestic Advances Mix as on Mar’23 (INR crores) Corporate & Others, Retail, 24.41% 51,137 30.19% 51,882 50,635 48,599 54,995 44,310 43,124 52,425 41,552 92,996 34,856 74,545 69,139 55,636 43,988 83,838 48,514 62,764 58,611 42,
Slide 12: Healthy Loan Book Growth (2/2)
Healthy Loan Book Growth (2/2) Segmental Advances Growth Key Retail Areas Mix Agriculture Advance (INR crores) (INR crores) 18,624 92,996 3,224 2,300 15,959 24,560 74,545 15,545 69,139 13,178 10,326 7,362 55,636 12,233 6,735 43,988 5,311 5,131 4,491 3,751 31,168 30,573 33,919 24,116 27,621 FY 23 FY
Slide 13: Investment Portfolio (1/1)
Investment Portfolio (1/1) Domestic Investment Portfolio 1,12,229 1,07,020 1,04,939 96,752 92,134 27,495 26,319 24,933 27,455 27,675 80,701 80,006 84,734 64,459 69,297 FY23 FY24 FY25 DEC 24 DEC 25 SLR Non SLR Appreciation in Domestic Investment Portfolio is underpinned by a strategic alignment with
Slide 14: Robust Asset Quality (1/2)
Robust Asset Quality (1/2) Gross NPA Net NPA (INR crores) (INR crores) 15,000 14,072 8.0% 7.44% 6.0% 10,000 6,794 6,071 4.0% 3,266 5,348 4,530 5,000 1.83% 1,217 976 3.10% 2.0% 912 2.14% 2.55% 708 1.54% 0.57% - 0.0% 0.37% 0.42% 0.24% FY23 FY24 FY25 Dec-24 Dec-25 FY23 FY24 FY25 Dec-24 Dec-25 GNPA GNPA
Slide 15: Robust Asset Quality (2/2)
Robust Asset Quality (2/2) SMA (5 Cr & above) as % of Gross Advances (Dec’25) 0.5% 0.5% 900900 0.5% 824 0.5% 745 800800 0.44% 678 0.4% 0.4% 700700 0.4% 459 0.4% 539 600600 533 596 0.3% 477 0.3% 500500 0.3% 486 0.3% 0.25% 0.25% 454 400400 0.2% 0.22% 0.2% 300300 0.2% 0.18% 0.18%0.2% 0.1% 0.1% 200200 0
Slide 16: Improved Credit Rating & Capital Adequacy (1/2)
Improved Credit Rating & Capital Adequacy (1/2) Long-term Issuer Rating Tier-II Bond Sr No Rating Agency Latest Rating Action Rating Rating Agency Rating Rating Action Rating affirmed Rating affirmed Outlook revised to Outlook revised to 1 India Ratings AA/Positive India Ratings AA/Positive Positive
Slide 17: Improved Credit Rating & Capital Adequacy (2/2)
Improved Credit Rating & Capital Adequacy (2/2) CRAR Capital (%) (INR crores) 19.74 33,384 33,040 17.28 16.97 16.30 16.10 24,875 4,412 26,772 4,672 2.61 20,925 2.80 4,170 2.64 2.30 4,035 3.22 4,189 28,972 28,368 17.13 22,601 12.88 14.47 14.33 13.99 20,840 16,736 FY23 FY24 FY25 DEC 24 DEC 25 FY23 FY2
Slide 18: Financial Performance (1/3)
Financial Performance (1/3) Net Interest Income Operating Profit Net Profit (INR crores) (INR crores) (INR crores) 3,703 10,890 3,335 9,829 9,104 8,688 2,656 8,256 7,768 7,361 2,284 6,764 2,099 5,942 6,070 FY23 FY24 FY25 DEC 24 DEC 25 FY23 FY24 FY25 DEC 24 DEC 25 FY23 FY24 FY25 DEC 24 DEC 25 Return
Slide 19: Financial Performance (2/3)
Financial Performance (2/3) Staff Cost to Income Ratio Other Cost to Income Ratio Business Per Employee (INR crores) 9.9% 31 20.7% 27 26 17.4% 24 13.9% 14.5% 9.2% 20 13.3% 8.7% 8.7% 8.7% FY23 FY24 FY25 DEC 24 DEC 25 FY23 FY24 FY25 DEC 24 DEC 25 FY23 FY24 FY25 DEC 24 DEC 25 Net Profit Per Employee Bu
Slide 20: Financial Performance (3/3)
Financial Performance (3/3) Yield on Advances Yield on Investment Yield on Funds 9.0% 6.8% 6.9% 8.4% 8.2% 8.2% 8.0% 8.9% 6.7% 8.8% 8.8% 6.9% 6.4% 5.8% 7.8% FY23 FY24 FY25 DEC 24 DEC 25 FY23 FY24 FY25 DEC 24 DEC 25 FY23 FY24 FY25 DEC 24 DEC 25 Cost of Deposits Cost of Funds Net Interest Margin (NIM)
Slide 21: Eminent Leadership
03 Eminent Leadership 20 Indian Overseas Bank – Corporate Presentation
Slide 22: Eminent Leadership (1/3)
Eminent Leadership (1/3) Shri Srinivasan Sridhar Shri Ajay Kumar Srivastava Non-Executive Chairman Managing Director & CEO ▪ Financial services expert with over 30 years of experience ▪ A banker with over 36 years of experience in the Banking gained internationally and in India industry ▪ Previously
Slide 23: Eminent Leadership (2/3)
Eminent Leadership (2/3) Shri Joydeep Dutta Roy Ms. Neelam Agrawal Executive Director Govt. Nominee Director ▪ Banking career spanning over 29 years ▪ An officer of 2008 batch of Indian Revenue Service ▪ Has held multiple positions in Bank of Baroda across ▪ Wide experience of over 10 years of handl
Slide 24: Eminent Leadership (3/3)
Eminent Leadership (3/3) Shri B. Chandra Reddy Shri Deepak Sharma Part-Time Non-Official Director Part-Time Non-Official Director ▪ Shri B. Chandra Reddy has been re-nominated as Director of Indian Overseas Bank on April 11, 2025. ▪ Shri Deepak Sharma has been re-nominated as Director of Indian Over
Slide 25: Digital and ESG Initiatives
04 Digital and ESG Initiatives 24 Indian Overseas Bank – Corporate Presentation
Slide 26: Technology & Digital Initiatives (1/2)
Technology & Digital Initiatives (1/2) Customer Centricity Digital Innovation Prioritizing the overall customer experience by tailoring services to meet Pioneer in multiple digital initiatives with commitment towards transforming user customer needs and preferences experience Aadhaar Face Authentica
Slide 27: Technology & Digital Initiatives (2/2)
Technology & Digital Initiatives (2/2) Operational Efficiency Value Delivery Enhancing operational efficiency powered through blend of digital centric Digital initiatives have resulted in multifaceted value addition in accomplishing process re- engineering and digital solutions bank’s business visio
Slide 28: Impact of Digital Infrastructure
Impact of Digital Infrastructure Mobile Banking Users Retail Internet Banking Users Corporate Internet Banking Users (In lakhs) (In lakhs) (In lakhs) 35.8 2.7 117.9 32.2 31.0 2.2 102.2 91.7 27.2 1.9 22.8 1.7 68.9 1.4 49.2 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 Mar-23 M
Slide 29: ESG Initiatives
ESG Initiatives NVIRONMENTAL OCIAL OVERNANCE IOB Vehicle Loan for Various IOB Credit Scheme Robust Governance E-Bike/Car for Women mechanism and Oversight IOB Tejas for Renewable Solar Financial Literacy Centers Energy Equipment and also Effective Monitoring (SNEHA) Credit Facility to Windmills Sign
Slide 30: Financial Statements
05 Financial Statements 29 Indian Overseas Bank – Corporate Presentation
Slide 31: Standalone Income Statement
Standalone Income Statement (INR crores) 9M FY2025 9M FY2026 Particulars FY23 FY24 FY25 Dec 24 Dec 25 Interest Income 19,401 24,050 28,131 20,497 23,407 Other Income 4,108 5,656 5,545 3,964 4,346 Total Income 23,509 29,706 33,676 24,461 27,752 Interest Expenses 11,145 14,221 17,241 12,730 14,303 Ope
Slide 32: Standalone Balance Sheet
Standalone Balance Sheet (INR crores) 9M FY2025 9M FY2026 Particulars FY23 FY24 FY25 Dec 24 Dec 25 Capital & Liabilities Capital 18,902 18,902 19,256 18,902 19,256 Reserves & Surplus 6,361 9,040 13,284 10,358 16,997 Deposits 2,60,883 2,85,905 3,11,939 3,05,121 3,49,302 Borrowings 20,804 30,387 42,22
Slide 33: Standalone Cash Flow Statement
Standalone Cash Flow Statement (INR crores) Particulars FY23 FY24 FY25 HY1-26 Cash Flow from Operating Activities Net Profit / (Loss) After Tax 2,099 2,656 3,335 2,337 Add: Provision for Tax 249 757 1,177 904 Net Profit / (Loss) before Tax 2,348 3,413 4,511 3,241 Adjustments for: Amortisation of HTM
Slide 34: Key Growth Strategies
06 Key Growth Strategies 33 Indian Overseas Bank – Corporate Presentation
Slide 35: Growth Strategies
Growth Strategies Continued Focus on ▪ Creating an organizational culture of Excellence through Quality Business growth and productivity Improving Overall improvements. Operating Performance ▪ Optimizing operational efficiencies through technology enhancements and process streamlining. ▪ To ensure s
Slide 36: Awards & Accolades
07 Awards & Accolades 35 Indian Overseas Bank – Corporate Presentation
Slide 37: Awards and Accolades
Awards and Accolades ▪ IOB has been recognized as the winner in then ▪ IOB honoured with the SKOCH Award 2025. Special Initiative Citation category in the EASE 7.0 ▪ IOB has been ranked First among PSBs for effective Reforms. Grievance Redressal in CPGRAMS complaints based ▪ IOB received First Prize
Slide 38: Awards and Accolades
Awards and Accolades Top Achiever in Points Earned – Awards by Indian Banking Association in Shikhar Conquest Campaign for PSB Alliance DSB FY 2021 FY 2019 FY 2016 ▪ Award for Best RSETI in the country received by ▪ Bankers Excellence Award from Rotary Bank’s RSETI Tanjore International USA. ▪ Agric
Slide 39: Summary
08 Summary 38 Indian Overseas Bank – Corporate Presentation
Slide 40: Summary
Summary 1 Established Industry Presence ▪ Strong brand recall in South India and 90 years long operating history. ▪ Pan India presence with International operations in four countries – Hongkong, Singapore, Sri Lanka and Bangkok. ▪ Extensive branch network comprising of over 19,000 Customer touch-poi
Slide 41: Summary
Summary 2 Existing Solid Business Franchise ▪ Robust profitability metrics as the Bank has recorded NII, Operating Profit and Net Profit of INR 9,104 crore, INR 7,361 crore and INR 3,703 crore, respectively in 9M FY 2026. ▪ Bank demonstrated good return ratios of ROE, ROA and NIM of 19.88%, 1.20% an
Slide 42: Appendix
09 Appendix 41 Indian Overseas Bank – Corporate Presentation
Slide 43: Shareholding and Stock Performance of the Bank
Shareholding and Stock Performance of the Bank Shareholding Pattern as on 31.12.2025 Share Price Performance 4.75% IOB Share Price Performance – Last 3 Years 2.81% 90 80 MP 13-03-2026 : INR 32.64/- 70 60 50 40 30 20 10 92.44% 0 Govt of India Individual Institution* Institutions* Shareholding % Insur
Slide 44: Improving Asset Quality (1/3)
Improving Asset Quality (1/3) Movement in NPA (INR crores) Sr Particulars FY23 FY24 FY25 DEC 24 DEC 25 No 1 Opening Gross NPAs 15,299 14,072 6,794 6,249 5,078 a Cash Recovery 1,254 1,111 791 170 144 b Upgradation 1,023 577 305 76 46 c Write off 3,412 7,214 3,883 219 601 d Sale to ARCs 11 24 95 0 47
Slide 45: Improving Asset Quality (2/3)
Improving Asset Quality (2/3) Segment NPA (INR crores) Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 Segmental NPAs ADV NPA Ratio % ADV NPA Ratio % ADV NPA Ratio % ADV NPA Ratio % ADV NPA Ratio % Retail 42,400 1,802 4.3% 48,514 824 1.7% 62,764 754 1.20% 58,611 978 1.67% 83,838 651 0.78% Agri 43,988 2,974 6.8%
Slide 46: Improving Asset Quality (3/3)
Improving Asset Quality (3/3) Sector-wise Slippages (INR crores) 4,030 3,412 2,331 1,516 1,357 1,132 890 812 845 651 585 626 509 436 372 333 303 363 244 61 136 97 130 10 49 FY23 FY24 FY25 9M FY25 9M FY26 Retail Agriculture MSME Corporate & Others Total 45 Indian Overseas Bank – Corporate Presentatio
Slide 47: Disclaimer
10 Disclaimer 46 Indian Overseas Bank – Corporate Presentation
Slide 48: Disclaimer
Disclaimer This presentation has been prepared solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. Certain forward-looking statements in these slides involve a number of risks, uncertainties and other facto
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