Indian Overseas Bank · NSE:IOB
Indian Overseas Bank — Investor Presentation (December 2025)
41 slides from Indian Overseas Bank's investor presentation, Nov 28, 2025
Slide 1: Indian Overseas Bank – Corporate Presentation
Indian Overseas Bank – Corporate Presentation December 2025
Slide 2: Key Investment Highlights
01 Key Investment Highlights 2 Indian Overseas Bank – Corporate Presentation
Slide 3: Overview of the Bank
Overview of the Bank Financial Snapshot (As on Sept 30, 2025) Net Interest Net Profit: NIM %: Advances: Deposits: Income: 6M FY25 3.21% ₹ 2,77,968 Crs ₹ 3,39,066 Crs 6M FY26 ₹ 2,337 Crs ₹ 5,805 Crs Global Business: Return on Assets: Return on Equity: CASA: PCR ₹ 6,17,034 Crs Q2FY26 – 1.20% Q2FY26 –
Slide 4: Strong Leadership
Strong Leadership Shri Srinivasan Sridhar Shri Ajay Kumar Srivastava Shri Joydeep Dutta Roy Shri T. Dhanaraj Non-Executive Chairman Managing Director & CEO Executive Director Executive Director Ms. Neelam Agrawal Ms. Sonali Sen Gupta Shri Sanjaya Rastogi Govt. Nominee Director RBI Nominee Director S
Slide 5: Awards and Accolades
Awards and Accolades ▪ Indian Overseas Bank has been recognized as the winner in then Special Initiative Citation category ▪ ICAI Awards for Excellence in Financial Reporting in the EASE 7.0 Reforms. under “Plaque” category for commended Annual ▪ Indian Overseas Bank has achieved No.01 ranking Repor
Slide 6: Investment Highlights
Investment Highlights A Healthy and Inclusive Growth with a Diversified Portfolio Mix B Improving Asset Quality C Strong Capital Adequacy With Improvement in Bond Ratings D Robust Financial Performance E Technology, Digital & ESG Initiatives 6 Indian Overseas Bank – Corporate Presentation
Slide 7: Healthy Portfolio Mix
Healthy Portfolio Mix Global Business Global Deposit (INR crores) (INR crores) 617,034 339,066 504,923 561,958 540,801 285,905 311,939 310,652 449,892 260,883 FY23 FY24 FY25 HY25 HY26 FY23 FY24 FY25 HY25 HY26 Global Advances Business Portfolio Share Sept’25 (INR crores) Savings 277,968 250,019 Bank,
Slide 8: Healthy Portfolio Mix (Contd.)
Healthy Portfolio Mix (Contd.) Deposit Profile CASA (%) (INR crores) 26127 43.90% 28147 43.74% 43.65% 22,919 29254 42.44% 16,670 111,260 40.52% 102,589 108,034 102,602 97,443 146,770 160,397 175,777 178,796 201,679 FY23 FY24 FY25 HY25 HY26 Term Deposits Saving Deposits Current Deposits FY23 FY24 FY2
Slide 9: Healthy Loan Book Growth
Healthy Loan Book Growth Advance Mix Domestic Advances Domestic Advances Mix as on Sept’25 (INR crores) Corporate, 19.0% 50,133 Retail, 30.0% 51,882 51,802 48,494 54,995 52,425 44,310 41,574 41,552 83,023 34,856 74,545 55,636 65,327 MSME, 19.0% 43,988 62,764 54,291 78,765 42,400 48,514 FY23 FY24 FY2
Slide 10: Healthy Loan Book Growth (Contd.)
Healthy Loan Book Growth (Contd.) Retail Advance Mix Key Retail Areas Mix Total Retail Portfolio (INR crores) (INR crores) 44,417 78,765 41,613 39,939 2,489 62,764 36,836 2,420 32,847 2,676 6,199 2,641 5,311 4,919 54,291 3,443 4,491 48,514 3,751 42,400 31,168 32,620 27,621 29,927 24,116 1,537 2,083
Slide 11: Improving Asset Quality (1/5)
Improving Asset Quality (1/5) Rated and Unrated Credit Exposure (External) Increasing percentage of ‘A’ & above rated accounts AAA AA A BBB Below BB 13% 17% 20% 20% 38% 15% 40% 40% 36% 38% 28% 25% 30% 28% 30% 15% 13% 13% 5% 5% 13% 2% 3% 10% 1% FY23 FY24 FY25 HY25 HY26 FY23 FY24 FY25 SEPT 25 Standard
Slide 12: Improving Asset Quality (2/5)
Improving Asset Quality (2/5) One-Time Restructuring (INR crores other than No. of A/c) Agriculture Corporate 242 290 299 274 244 131 86 89 50 59 41 36 5 5 4 4 Mar-23 Mar-24 Mar-25 Sep-25 Mar-23 Mar-24 Mar-25 Sep-25 No of Accounts Amount Involved No of Accounts Amount Involved MSME Total 5,117 5,364
Slide 13: Improving Asset Quality (3/5)
Improving Asset Quality (3/5) Gross NPA Net NPA (INR crores) (INR crores) 15,000 14,072 8.0% 7.4% 6.0% 10,000 6,794 6,249 3,266 5,348 4.0% 5,078 5,000 1.8% 1,217 1,059 3.1% 2.0% 912 776 2.7% 2.1% 1.8% 0.6% 0.4% 0.5% 0.3% - 0.0% FY23 FY24 FY25 HY25 HY26 FY23 FY24 FY25 HY25 HY26 GNPA GNPA % NNPA NNPA
Slide 14: Improving Asset Quality (4/5)
Improving Asset Quality (4/5) VERY SIGNIFICANT ASSET QUALITY IMPROVEMENT TRAJECTORY GROSS NPA 14.78% Average GNPA of PSBs as on 30.09.2025 is 2.30% 11.69% 9.82% 7.44% (INR crores) 3.10% 2.14% 1.83% 19,913 16,323 15,299 14,072 6,794 5,348 5,078 FY 19-20 FY 20-21 FY 21-22 FY 22-23 FY 23-24 FY 24-25 H1
Slide 15: Improving Asset Quality (5/5)
Improving Asset Quality (5/5) NCLT (Admitted) Accounts as on Sept’25 NARCL Accounts as on Sept’25 (INR crores) (INR crores) Particulars Accounts Balance Provisions PCR Position with Our Bank No. of Accounts Bal Outstanding RBI 1st List 4 1,241 1,241 100.00% Accounts already 11 2,261 resolved RB1 2nd
Slide 16: Strong Capital Adequacy
Strong Capital Adequacy CRAR Capital (%) (INR crores) 19.74 33,384 33,066 17.28 2.61 17.45 17.94 4,412 4,441 16.10 2.70 2.41 24,875 26,386 2.80 3.22 17.13 20,925 4,087 4,035 28,972 28,625 14.47 14.75 15.53 12.88 4,189 22,300 20,840 16,736 14.47 17.13 14.75 15.53 28,972 28,625 12.88 16,736 20,840 22,
Slide 17: Financial Performance (1/3)
Financial Performance (1/3) Net Interest Income Operating Profit Net Profit (INR crores) (INR crores) (INR crores) 10,890 3,335 9,829 8,688 2,656 8,256 2,337 6,764 2,099 5,805 5,942 4,979 4,758 1,410 3,804 FY23 FY24 FY25 Sept'24 Sept'25 FY23 FY24 FY25 Sept'24 Sept'25 FY23 FY24 FY25 Sept'24 Sept'25 R
Slide 18: 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% 20.7% 29 27 17.4% 25 9.2% 24 15.4% 20 13.9% 12.9% 8.7% 8.6% 8.6% FY23 FY24 FY25 Sep-24 Sep-25 FY23 FY24 FY25 Sep-24 Sep-25 FY23 FY24 FY25 Sep-24 Sep-25 Net Profit Per Employee Bu
Slide 19: Financial Performance (3/3)
Financial Performance (3/3) Yield on Advances Yield on Investment Yield on Funds 6.9% 8.4% 6.8% 8.0% 8.2% 8.2% 8.9% 8.8% 8.8% 8.8% 6.6% 6.9% 6.4% 5.8% 7.8% FY23 FY24 FY25 Sept'24 Sept'25 FY23 FY24 FY25 Sept'24 Sept'25 FY23 FY24 FY25 Sept'24 Sept'25 Cost of Deposits Cost of Funds Net Interest Margin
Slide 20: 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 21: 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 22: Impact of Digital Infrastructure
Impact of Digital Infrastructure ATM / CDM Users (No. of Outlets) Internet Banking Users (In lakhs) 3,567 37.1 34.2 30.2 31.5 25.6 3,506 3,501 3,497 3,477 Mar-23 Mar-24 Mar-25 Sep-24 Sep-25 Mar-23 Mar-24 Mar-25 Sep-24 Sep-25 Mobile Banking Users UPI Registered Users (In lakhs) (In lakhs) 115.8 140 1
Slide 23: Strong Digital Infrastructure Platform
Strong Digital Infrastructure Platform IOB WhatsApp Banking IOB CONNECT 23 Indian Overseas Bank – Corporate Presentation
Slide 24: Awards & Accolades for Digital & Consumer Excellence
Awards & Accolades for Digital & Consumer Excellence Customer Satisfaction Call Quality Score Average Handling Time Net Abandoned Call Rate Performance 95.21% 378Sec 90% Industry 90% benchmark 5.00% Industry 80% Industry benchmark Industry benchmark benchmark Customer Satisfaction Performance Call Q
Slide 25: Strong Customer Transaction as Reflected in the Increase in Number of Accounts
Strong Customer Transaction as Reflected in the Increase in Number of Accounts Number of New Savings Bank Accounts Opened Number of New CD Accounts Opened 3,793,754 203,708 149,487 2,297,851 2,020,158 114,878 1,707,937 1,738,721 91,828 71,828 FY23 FY24 FY25 HYFY25 HYFY26 FY23 FY24 FY25 HYFY25 HYFY26
Slide 26: ESG Initiatives
ESG Initiatives NVIRONMENTAL OCIAL OVERNANCE Low Carbon & Paperless Robust Governance & Financial Inclusion & Outreach Banking oversight Community Development & Third-party assurance & End-to-End Digital Operation CSR Standards Global Climate Alignment Employee Well-being Information Security & Data
Slide 27: Key Growth Strategies
03 Key Growth Strategies 27 Indian Overseas Bank – Corporate Presentation
Slide 28: Growth Strategies
Growth Strategies Continued Focus on ▪ Creating an organizational culture of cost control and operational efficiencies Improving Overall ▪ Optimizing operating platform through technology enhancement and process streamlining Operating Performance Focus on Portfolio ▪ Implementation of recovery and d
Slide 29: Strategic Investment
Strategic Investment IOB entered into Non-Life Insurance Business with Universal Sompo General Insurance (USGI) Company Limited with equity participation of 18% along with the other Banks and Institutions Name on Entity Shareholding % Shareholding % Indian Overseas Bank 18.06% Dabur Investment Corpo
Slide 30: Appendix
Appendix A 30 Indian Overseas Bank – Corporate Presentation
Slide 31: Improving Asset Quality (1/3)
Improving Asset Quality (1/3) Movement in NPA (INR crores) Sr Particulars FY23 FY24 FY25 SEPT’24 SEPT’25 No 1 Opening Gross NPAs 15,299 14,072 6,794 6,794 5,348 a Cash Recovery 1,254 1,111 791 358 391 b Upgradation 1,023 577 305 154 125 c Write off 3,412 7,214 3,883 621 347 d Sale to ARCs 11 24 95 0
Slide 32: Improving Asset Quality (2/3)
Improving Asset Quality (2/3) Asset Classification (INR crores) Category FY23 FY24 FY25 SEPT’24 SEPT’25 O/S 1,74,937 2,12,224 2,44,671 2,23,900 2,72,890 Standard % 92.6% 96.9% 97.9% 97.3% 98.1% O/S 2,558 1,204 923 984 923 Sub-standard % 1.4% 0.5% 0.4% 0.5% 0.3% O/S 8,704 4,480 3,275 4,045 2973 Doubt
Slide 33: Improving Asset Quality (3/3)
Improving Asset Quality (3/3) Segment NPA (INR crores) Mar-23 Mar-24 Mar-25 Sept-24 Sept-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% 54,291 935 1.72% 78,765 839 1.07% Agri 43,988 2,974 6.8
Slide 34: Financial Performance (1/4)
Financial Performance (1/4) Fee Based Income (INR crores) Particulars FY23 FY24 FY25 HY25 HY26 A. Exchange & Commission 396 363 571 248 236 B. Income from Non Fund Based Business 184 179 181 81 132 C. Processing charges 360 448 427 206 236 D. ATM/DBD Related Income 320 416 419 191 233 E. Marketing/F
Slide 35: Financial Performance (2/4)
Financial Performance (2/4) Investment Portfolio (INR crores) As of and for the Fiscal As at the Six month As at the Six month Particulars period ended period ended September 30,2024 September 30,2025 FY23 FY24 FY25 Gross domestic investment 92,527 97,844 1,07,979 1,04,371 1,13,155 SLR 64,459 69,297
Slide 36: Financial Performance (3/4)
Financial Performance (3/4) Non-SLR Investment – Domestic As of and for the Fiscal As at the Six month As at the Six month period ended period ended FY23 FY24 FY25 September 30,2024 September 30,2025 As a As a As a As a As a Particulars percentage percentage percentage percentage percentage Amount A
Slide 37: Financial Performance (4/4)
Financial Performance (4/4) Non-SLR Investment – Overseas As of and for the Fiscal As at the nine month As at the nine month period ended December period ended December FY22 FY23 FY24 31, 2023 31, 2024 As a As a As a As a As a Particulars percentage percentage percentage percentage percentage Amount
Slide 38: Standalone Income Statement
Standalone Income Statement (INR crores) Particulars FY23 FY24 FY25 HY25 HY26 Interest Earned 19,401 24,050 28,131 13,386 15,234 Other Income 4,108 5,656 5,545 2,666 2,847 Total Income 23,509 29,706 33,676 16,052 18,081 Interest Expended 11,145 14,221 17,241 8,407 9,429 Operating Expenses 6,422 8,72
Slide 39: Standalone Balance Sheet
Standalone Balance Sheet (INR crores) Particulars FY23 FY24 FY25 HY25 HY26 Capital & Liabilities Capital 18,902 18,902 19,256 18,902 19,256 Reserves & Surplus 6,361 9,040 13,284 9,569 15,579 Deposits 2,60,883 2,85,905 3,11,939 3,10,652 3,39,066 Borrowings 20,804 30,387 42,228 28,764 46,433 Other Lia
Slide 40: Standalone Cash Flow Statement
Standalone Cash Flow Statement (INR crores) Particulars FY23 FY24 FY25 HY26 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 I
Slide 41: 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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