Indian Overseas Bank · NSE:IOB
Indian Overseas Bank — Q4 FY2024-25 Earnings Presentation
64 slides from Indian Overseas Bank's earnings presentation, May 2, 2025
Slide 1: Performance Analysis for Quarter / Year Ended 31st March 2025
Performance Analysis For Quarter / Year Ended, 31st March 2025. 02.05.2025 1
Slide 2: Index
INDEX VISION ---------- 3 PERFORMANCE HIGHLIGHTS ---------- 4 FINANCIAL PERFORMANCE ---------- 6 BUSINESS PERFORMANCE ---------- 14 NPA MANAGEMENT ---------- 22 CAPITAL ADEQUACY ---------- 25 FINANCIAL INCLUSION ---------- 27 DIGITAL INITIATIVES ---------- 32 CUSTOMER TOUCH POINT ---------- 41 SHARE
Slide 3: IOB Founder Chairman Shri M Ct M Chidambaram Chettyar
Shri M Ct M Chidambaram Chettyar IOB Founder Chairman 3 Performance Analysis Q4/FY 24-25
Slide 4: Performance Highlights: Business Growth and Profitability
PERFORMANCE HIGHLIGHTS BUSINESS GROWTH (Rs. In Crores) Parameters FY 2023-24 FY 2024-25 Y-O-Y ( %) CASA 125508 136161 8.49% BUSINESS GROWTH CASA% 43.90% 43.65% (25 bps) Total Deposits 285905 311939 9.11% Home Loan 27621 31168 12.84% Jewel Loan 47732 69188 44.95% Advances 219018 250019 14.15% Busines
Slide 5: Performance Highlights: Asset Quality and Financial Indicators
PERFORMANCE HIGHLIGHTS ASSET QUALITY (Rs. In Crores) Parameters FY 2023-24 FY 2024-25 Y-o-Y (%) Gross NPA 6794 5348 -21.29% ASSET QUALITY Net NPA 1217 912 -25.06% GNPA% 3.10% 2.14% (96 bps) NNPA% 0.57% 0.37% (20 bps) STRENGTHENING FINANCIAL INDICATORS FINANCIAL INDICATORS Parameters FY 2023-24 FY 20
Slide 6: Financial Performance
FINANCIAL PERFORMANCE (Rs. In Crores) Quarter Ending Year Ending Growth % Q-o-Q Q-o-Q Particulars Mar 25 Mar 25 Y-o-Y Mar-24 Dec-24 Mar-25 FY 23-24 FY 24-25 Over Over (12 M) Dec 24 Mar 24 Interest Income 6629 7112 7634 24050 28131 7.34% 15.15% 16.97% Interest Expenses 3866 4323 4511 14221 17241 4.35
Slide 7: Total Income
TOTAL INCOME (Rs. In Crores) Quarter Ending Year Ending Growth % Q-o-Q Q-o-Q Particulars Mar 25 Mar 25 Y-o-Y Mar-24 Dec-24 Mar-25 FY 23-24 FY 24-25 Over Over (12 M) Dec 24 Mar 24 Interest on Loans 4760 5257 5258 17576 20182 0.02% 10.46% 14.83% Interest on Investment 1539 1808 1816 5946 7038 0.42% 18
Slide 8: Fee Based Income
FEE BASED INCOME (Rs. In Crores) Quarter Ending Year Ending Growth % Q-o-Q Q-o-Q Particulars Mar 25 Mar 25 Y-o-Y Mar-24 Dec-24 Mar-25 FY 23-24 FY 24-25 Over Over (12 M) Dec 24 Mar 24 A.Exchange & Commission 140 116 207 363 571 78.42% 47.95% 57.40% B.Income from Non-Fund Based 46 55 45 179 181 -19.19
Slide 9: Total Expenses
TOTAL EXPENSES (Rs. In Crores) Quarter Ending Year Ending Growth % Q-o-Q Q-o-Q Particulars Mar 25 Mar 25 Y-o-Y Mar-24 Dec-24 Mar-25 FY 23-24 FY 24-25 Over Over (12 M) Dec 24 Mar 24 Interest on Deposits 3337 3742 3895 12609 15008 4.08% 16.71% 19.03% Interest on Borrowings 529 581 616 1611 2232 6.04%
Slide 10: Profit Parameter
PROFIT PARAMETER (Rs. In Crores) Quarter Ending Year Ending Growth % Q-o-Q Q-o-Q Particulars Mar 25 Mar 25 Y-o-Y Mar-24 Dec-24 Mar-25 FY 23-24 FY 24-25 Over Over (12 M) Dec 24 Mar 24 Operating Profit 1961 2266 2618 6764 8688 15.53% 33.50% 28.44% Provisions 768 1029 1063 3350 4176 3.39% 38.53% 24.66%
Slide 11: Performance Ratios - Quarterly
PERFORMANCE RATIOS - QUARTERLY COST OF DEPOSITS(%) COST OF FUNDS(%) 5.17 5.15 5.08 5.24 5.29 4.95 5.13 4.88 5.09 5.03 FY 23-24 FY 24-25 FY 23-24 FY 24-25 4.70 5.08 4.87 5.24 MAR 24 JUNE 24 SEP 24 DEC 24 MAR 25 MAR 24 JUNE 24 SEP 24 DEC 24 MAR 25 YIELD ON ADVANCES(%) YIELD ON FUNDS(%) 8.97 9.02 8.92
Slide 12: Performance Ratios - Quarterly
PERFORMANCE RATIOS - QUARTERLY RETURN ON ASSETS(%) RETURN ON EQUITY (%) 1.12 0.94 0.93 18.50 19.53 0.82 17.86 0.70 16.90 14.10 FY 23-24 FY 24-25 FY 23-24 FY 24-25 0.81 0.92 16.24 16.28 MAR 24 JUNE 24 SEP 24 DEC 24 MAR 25 MAR 24 JUNE 24 SEP 24 DEC 24 MAR 25 YIELD ON INVESTMENT (%) COST TO INCOME(%) 6
Slide 13: Performance Ratios - Quarterly: Net Interest Margin
PERFORMANCE RATIOS - QUARTERLY NET INTEREST MARGIN % (DOMESTIC) 3.73 3.77 3.47 3.21 3.21 FY 23-24 FY 24-25 3.44 3.42 MAR 24 JUNE 24 SEP 24 DEC 24 MAR 25 NET INTEREST MARGIN % (GLOBAL) 3.53 3.58 3.33 3.06 3.08 FY 23-24 FY 24-25 3.28 3.25 MAR 24 JUNE 24 SEP 24 DEC 24 MAR 25 13 Performance Analysis Q4/
Slide 14: Business Performance - Global
BUSINESS PERFORMANCE - GLOBAL (Rs. In Crores) Q-o-Q variation Y-o-Y variation Particulars Mar-24 Dec-24 Mar-25 Amount % Amount % CASA 125508 132338 136161 3823 2.89% 10653 8.49% Term Deposits 160397 172783 175777 2994 1.73% 15380 9.59% Total Deposits 285905 305121 311938 6817 2.23% 26033 9.11% Advan
Slide 15: Business Composition
BUSINESS COMPOSITION BUSINESS PORTFOLIO SHARE MAR 25 Savings Bank 19% Current Advances Deposits 45% 5% Term Deposits 31% % SHARE OF DOMESTIC ADVANCE- MAR 25 POP CATEGORY WISE DISTRIBUTION OF DEPOSITS: MAR 25 Corporate/Others Semi Urban Rural 22% Retail 19% 12% 27% Urban MSME 23% 19% Metro Agri 46% 3
Slide 16: Advances
ADVANCES (Rs. In Crores) Q-o-Q variation Y-o-Y variation Parameters Mar-24 Dec-24 Mar-25 Amount % Amount % Retail 48514 58611 62764 4153 7.09% 14250 29.37% Agri 55636 69139 74545 5407 7.82% 18909 33.99% MSME 41552 43124 44310 1186 2.75% 2759 6.64% Corporate/others 54995 48599 51882 3283 6.76% -3113
Slide 17: RAM Performance
RAM PERFORMANCE (Rs. In Crores) Parameters Mar-24 Dec-24 Mar-25 Q-o-Q % Y-o-Y % RETAIL CREDIT 48514 58611 62764 7.09% 29.37% Of which Home 27621 30573 31168 1.94% 12.84% RETAIL BREAK UP - MAR 25 Education 2641 2672 2420 -9.45% -8.38% Vehicle 4491 5131 5311 3.51% 18.27% Others 34% Personal 2083 2572
Slide 18: Agriculture
AGRICULTURE (Rs. In Crores) % Share to Domestic Period Agri Advances Domestic Advances Advances Mar-24 200697 55636 27.72% Jun-24 212459 60786 28.61% Sep-24 212995 65327 30.67% Dec-24 219472 69139 31.50% Mar-25 233501 74545 31.93% AGRI ADVANCES MAR-25 74545 65327 69139 60786 55636 Mar-24 Jun-24 Sep-
Slide 19: MSME
MSME (Rs. In Crores) Category Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Micro 24780 18977 20178 23489 23659 Small 7812 8002 7883 10588 11079 Medium 8960 15662 13514 9047 9572 Total 41552 42642 41574 43124 44310 MSME BREAKUP MAR-25 Micro, 53.39% Small, 25.00% Medium, 21.60% 19 Performance Analysis Q4/FY 24-
Slide 20: Investment
INVESTMENT (Rs. In Crores) Parameters Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Domestic Investments 96752 97955 103128 104939 107020 SLR 69297 72823 78218 80006 80701 Non SLR 27455 25132 24910 24933 26319 Held to Maturity 81860 87296 90232 90969 88785 Available for Sale 14892 8767 11213 12170 15787 Held f
Slide 21: Valuations
VALUATIONS Particulars Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 FY 2023-24 FY 2024-25 Return on Equity (%) 18.50 14.10 16.90 17.86 19.53 16.24 16.28 Basic & Diluted Earning per Share 0.43 0.33 0.41 0.46 0.56 1.40 1.76 Price Earning Ratio 140.23 192.01 140.41 111.90 69.59 42.67 22.10 Book value per share (
Slide 22: NPA Management
NPA MANAGEMENT (Rs. In Crores) Details Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 FY 23-24 FY 24-25 i) Opening Gross NPAs 8441 6794 6649 6249 6071 14072 6794 a. Cash Recoveries 322 139 219 170 263 1111 791 b. Upgradation 90 52 102 76 75 577 305 c. Write-Offs 1567 251 370 219 3043 7214 3883 d. Sale to ARCs 1
Slide 23: NPA Management: GNPA, NNPA, PCR
NPA MANAGEMENT GNPA(%) NNPA(%) 3.10% 2.89% 2.72% 2.55% 2.14% 0.57% 0.51% 0.47% 0.42% 0.37% Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 PCR(%) SLIPPAGE RATIO 96.85% 96.96% 97.06% 97.07% 97.30% 1.19% 82.09% 82.65% 83.05% 83.92% 82.95% 0.16% 0.13% 0.11% 0.13% Mar-24 Jun-24 Sep
Slide 24: Sector-wise Credit Deployment & NPA
SECTOR-WISE CREDIT DEPLOYMENT & NPA (Rs. In Crores) Mar-24 Dec-24 Mar-25 Segmental NPAs ADV NPA Ratio % ADV NPA Ratio % ADV NPA Ratio % Retail 48514 824 1.70% 58611 978 1.67% 62764 754 1.20% Agri 55636 2098 3.77% 69139 1829 2.65% 74545 1673 2.24% MSME 41552 2227 5.36% 43124 1753 4.07% 44310 1314 2.9
Slide 25: Capital Adequacy
CAPITAL ADEQUACY (Rs. In Crores) Particulars Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Market Risk RWA 8892 1602 1441 1353 1341 Operational Risk RWA 16705 19183 19183 19183 19183 Credit Risk RWA 118382 124051 130555 137216 148560 Total RWA (A) 143979 144836 151179 157753 169084 CET 1 20840 21706 22300 2260
Slide 26: Movement of CRAR & RWAs
MOVEMENT OF CRAR & RWAs CRAR 19.74% 17.28% 17.82% 17.45% 16.97% MA R- 2 4 JUN - 2 4 SE P - 2 4 DEC - 2 4 MA R- 2 5 CREDIT RWA TO ADVANCE RATIO TOTAL RWA TO ADVANCE RATIO 59.42% 57.74% 67.63% 56.73% 65.69% 66.39% 65.74% 54.05% 53.91% 62.95% MA R- 2 4 JUN - 2 4 SE P - 2 4 DEC - 2 4 MA R- 2 5 MA R- 2 4
Slide 27: Financial Inclusion
FINANCIAL INCLUSION PMJDY Account (Number in Lakhs) PMJDY Account Balance (in Crs) 87.84 3835 3767 85.89 3646 83.41 3558 80.78 3432 78.93 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 PMJDY Account (Number in Lakhs) PMJDY Account Balance PMJDY Zero balance Accounts No in Lakh
Slide 28: CASA & Deposits Growth in Last Years
CASA & Deposits Growth in last 5 years CASA (Rs. in Cr) CASA % 136161 43.74% 43.90% 43.65% 125508 43.44% 113877 114113 42.52% 102165 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 TERM DEPOSITS (Rs. in Cr) TOTAL DEPOSITS (Rs. in Cr) 175777 311938 160397 285905 148283 146770 26
Slide 29: Advances Growth in Last Years
Advances Growth in last 5 years (Rs. In Crore) RETAIL ADVANCES AGRI ADVANCES 74545 62764 55636 48514 42400 43988 36961 38577 34196 35106 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 MSME ADVANCES CD RATIO 80.15% 44310 41552 76.61% 34856 29494 72.45% 26849 59.43% 58.10% MAR-2
Slide 30: Retail Segment Loans Growth in Last Years
Retail Segment Loans growth in last 5 years (Rs. In Crore) Personal Loans Home Loans Vehicle Loans 2714 5311 31168 27621 4491 2083 24116 3751 1537 20483 3333 3492 17668 1095 929 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 Other Retail Loan
Slide 31: Decreasing NPA Levels & Increase in PCR over Years
Decreasing NPA Levels & Increase in PCR over 5 years (Rs. In Crore) GROSS NPA (Rs. in Cr) GROSS NPA % NET NPA (Rs. in Cr) 16323 15299 4578 14072 11.69% 3825 9.82% 3266 7.44% 6794 3.10% 5348 1217 2.14% 912 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 MAR-21 MAR-22 MAR-23 MAR-
Slide 32: Technology & Digital Initiatives
Technology & Digital Initiatives 32 Performance Analysis Q4/FY 24-25
Slide 33: Introduction
Technology & Digital Initiatives Introduction Indian Overseas Bank has got a robust and resilient technology platform in place to serve customers across the diverse generations. We are committed in our digital transformation journey to bring customer delight through various digital innovations and h
Slide 34: Focus Areas
Technology & Digital Initiatives Focus Areas Customer Operational Centricity Efficiency Technology Digital Resilience Innovation 34 Performance Analysis Q4/FY 24-25
Slide 35: Customer Centricity
Technology & Digital Initiatives 01 Self-service hub “digital.iob.in” with bouquet of digital service under one place Any-time Any-where delivery of services like 02 account opening, nomination, Re-KYC by bank Customer Centricity staff themselves made possible via Tab devices Prioritizing the overal
Slide 36: Digital Innovation
Technology & Digital Initiatives Aadhaar Face Authentication ensuring 01 inclusiveness in authentication for various services like Account opening, Re-KYC, Nomination, etc. via Tab banking 02 Collaboration with Fintechs to develop unique solutions for a differentiated experience Digital Innovation P
Slide 37: Operational Efficiency
Technology & Digital Initiatives 01 Digital App for Collection and Recovery enhancing collections efficiency 02 CRM tool for widening and deepening customer engagements Operational Efficiency Enhancing operational efficiency powered through blend of digital centric process re- 03 Loan Origination Sy
Slide 38: Value Delivery
Technology & Digital Initiatives Enhanced Customer Satisfaction: Improved 01 customer satisfaction, engagement, and loyalty through streamlined digital interactions, personalized services, and user-friendly interfaces Value Delivery Productivity Enhancement: Optimized internal Digital initiatives ha
Slide 39: IOB's API Fabric
IOB’s API FABRIC 39 Performance Analysis Q4/FY 24-25
Slide 40: Digital Outreach
DIGITAL OUTREACH ATM/CDM INTERNET BANKING REGISTERED USERS (NO OF OUTLETS) (IN LAKHS) 34.18 3506 3505 3503 3501 32.90 3497 31.25 31.41 30.18 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 MOBILE BANKING REGISTERED USERS UPI REGISTERED USERS (IN LAKHS) (IN LAKHS) 102.18 120.69
Slide 41: Customer Touch Point Pan India
CUSTOMER TOUCH POINT PAN INDIA Domestic Presence Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Branches 3236 3250 3269* 3322* 3335* ATM/CR 3506 3505 3501 3503 3497 BC 6379 7078 8023 9041 10135 * Excluding 8 RLPCs(Retail Loan Processing Centres) MAR-25 BRANCHES Rural, 929, Metro, 714, 28% 21% Semi Urban, Urban,
Slide 42: Foreign Outreach
FOREIGN OUTREACH HONG KONG BRANCH SINGAPORE BRANCH COLOMBO BRANCH BANGKOK BRANCH 42 Performance Analysis Q4/FY 24-25
Slide 43: Strategic Investment Joint Venture
STRATERGIC INVESTMENT JOINT VENTURE 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 % Indian Overseas Bank 18.06% Shareholding % Indian
Slide 44: Share Holding Pattern as on 31.03.2025
SHARE HOLDING PATTERN AS ON 31.03.2025 Category of Shareholder % share Government of India 94.61% Government of India, 94.61% FI/Banks 0.68% Foreign Portfolio Investor (Corporate) 0.22% Mutual Funds 0.07% Insurance Companies 1.84% Bodies Corporate 0.34% Individual 1.92% ESOP/ESOS/ESPS 0.20% NRI 0.05
Slide 45: Assets & Liabilities
ASSETS & LIABILITIES Rs in Lakhs Balance Sheet as at 31.03.2025 LIABILITIES Standalone Consolidated Particulars 31.03.2025 31.03.2024 31.03.2025 31.03.2024 Capital 1925659 1890241 1925659 1890241 Reserves and Surplus 1328433 903989 1297676 865904 Deposits 31193882 28590538 31193882 28612148 Borrowin
Slide 46: ESG Initiatives
ESG INITIATIVES IOB introduced an ESG mascot named "Mr. Harit" ENVIRONMENTAL SOCIAL GOVERNANCE to raise awareness about environmental sustainability among its stakeholders. This initiative reflects the bank's commitment to integrating ESG principles into its operations and engaging the community in
Slide 47: ESG Initiatives
ESG INITIATIVES The primary objective of this partnership is to further IOB's ENVIRONMENTAL SOCIAL GOVERNANCE sustainability agenda, particularly in the area of green building financing. Through this MOU, IOB gain access to database of projects which are green building certified and energy efficient
Slide 48: ESG Initiatives
ESG INITIATIVES PCAF is a global partnership of financial institutions that collaboratively develop and implement a harmonized approach ENVIRONMENTAL SOCIAL GOVERNANCE to assess and disclose greenhouse gas (GHG) emissions associated with loans and investments. Indian Overseas Bank is early adopters
Slide 49: Green Finance
ESG INITIATIVES ENVIRONMENTAL SOCIAL GOVERNANCE GREEN FINANCE • IOB E-VEHICLE LOAN • IOB GREEN DEPOSIT • IOB SURYA LOAN • IOB HL SURYA LOAN • IOB TEJAS 49 Performance Analysis Q4/FY 24-25
Slide 50: ESG Initiatives
ESG INITIATIVES IOB VEHICLE LOAN FOR E BIKE/CAR ENVIRONMENTAL SOCIAL GOVERNANCE IOB TEJAS FOR RENEWAL SOLAR ENERGY EQUIPMENT CREDIT FACILITY TO WIND MILL PAPERLESS BANKING 50 Performance Analysis Q4/FY 24-25
Slide 51: ESG Initiatives
ESG INITIATIVES VARIOUS IOB CREDIT SCHEME FOR WOMEN ENVIRONMENTAL SOCIAL GOVERNANCE THE SAKTHI- IOB CHIDAMBARAM CHETTIAR MEMORIAL TRUST FINANCIAL LITERACY CENTERS (SNEHA) FRIENDLY WORK ENVIRONMENT 51 Performance Analysis Q4/FY 24-25
Slide 52: ESG Initiatives
ESG INITIATIVES COMPLYING WITH ALL GUIDELINES ®ULATIONS ENVIRONMENTAL SOCIAL GOVERNANCE EFFECTIVE MONITORING CUSTOMER RIGHT POLICY EFFECTIVE CUSTOMER COMPLAINTS RESOLUTION 52 Performance Analysis Q4/FY 24-25
Slide 53: Accolades & Awards
ACCOLADES & AWARDS Indian Overseas Bank has been recognized as a TOP IMPROVER in the EASE 5.0 rankings! Kudos to our Chairman, Shri. Srinivasan Sridhar, MD & CEO, Shri. Ajay Kumar Srivastava , and Chief Compliance Officer, Shri. Nataraj K, for receiving the trophy and citation from DFS Secretary Dr.
Slide 54: Accolades & Awards
ACCOLADES & AWARDS Mr. Ajay Kumar Shrivastav, MD & CEO of Indian Overseas Bank received Rajbhasha Keerthi First Prize for the year 2023-24 from Hon'ble Home & Cooperation Minister Mr. Amit Shah ji. 54 Performance Analysis Q4/FY 24-25
Slide 55: Accolades & Awards
ACCOLADES & AWARDS Indian Overseas Bank has secured 5 prestigious Citations at the IBA Banking Technology Awards 2025 for the 2nd consecutive year! Categories Won: • Winner: Best Tech Talent & Organization • Runner-up: Best (Digital) Financial Inclusion • Special Mentions: 1️⃣ Best IT Risk Managemen
Slide 56: Accolades & Awards
ACCOLADES & AWARDS Indian Overseas Bank's Staff College, Anna Nagar, Chennai, has been awarded the prestigious ISO 9001:2015 certification! 56 Performance Analysis Q4/FY 24-25
Slide 57: Accolades & Awards
ACCOLADES & AWARDS Indian Overseas Bank is proud to be honored with the prestigious SKOCH Award 2024 for its initiatives in the area of compliance. 57 Performance Analysis Q4/FY 24-25
Slide 58: Accolades & Awards
ACCOLADES & AWARDS Indian Overseas Bank is proud to receive the Best Supporting Bank Award from Hon’ble Dr. M. Mathiventhan, Minister for Adi Dravidar Welfare, at TN Beat Expo 2025 (Jan 25-26)! 58 Performance Analysis Q4/FY 24-25
Slide 59: Accolades & Awards
ACCOLADES & AWARDS Indian Overseas Bank signed an MoU with B.S. Abdur Rahman Crescent Institute for launching a Cybersecurity Hackathon, with E&Y as the knowledge partner! 59 Performance Analysis Q4/FY 24-25
Slide 60: Social Media Presence
Social Media Presence @IOBIndia @IOBIndia @indian-overseas-bank 8,42,000 2,73,000 41,000 149 % 3,52,000 56,000 12,000 @IOBIndia.in @IOBIndia @IOBIndia 60 Performance Analysis Q4/FY 24-25
Slide 61: Products & Services
PRODUCTS & SERVICES 61 Performance Analysis Q4/FY 24-25
Slide 62: Products & Services
PRODUCTS & SERVICES 62 Performance Analysis Q4/FY 24-25
Slide 63: 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 64: Thank You
THANK YOU We express our heartfelt gratitude to all our stakeholders for their support & trust and solicit their continued patronage to make our beloved Bank grow exponentially in the coming years Please provide your valuable feedback @investor.iobnet.co.in visit us @ https://www.iob.in Follow us on
Indian Overseas Bank — Q4 FY2024-25 Earnings Presentation on 6ix