Indian Overseas Bank · NSE:IOB

Indian Overseas Bank — Q3 FY2025-26 Earnings Presentation

61 slides from Indian Overseas Bank's earnings presentation, Jan 14, 2026

  1. Slide 1: Performance Analysis Q3/9M FY26

    Performance Analysis For the Quarter /9 months ended 31st December 2025 January 14, 2026 www.iob.bank.in @IOBIndia 1800 890 4445 | 1800 425 4445 +91 96777 11234

  2. Slide 2: Index

    INDEX VISION ---------- 3 PERFORMANCE HIGHLIGHTS ---------- 4 FINANCIAL PERFORMANCE ---------- 6 BUSINESS PERFORMANCE ---------- 14 NPA MANAGEMENT ---------- 22 CAPITAL ADEQUACY ---------- 25 FINANCIAL INCLUSION ---------- 27 CUSTOMER TOUCH POINT ---------- 29 SHARE HOLDING PATTERN ---------- 31 ASS

  3. Slide 3: IOB Founder Chairman

    Shri M Ct M Chidambaram Chettyar IOB Founder Chairman 3 Performance Analysis Q3/9M-FY26

  4. Slide 4: Performance Highlights: Business Growth and Profitability

    PERFORMANCE HIGHLIGHTS (Rs. In Crores) BUSINESS GROWTH Quarter Ended Parameters Q-O-Q ( %) Y-O-Y ( %) Dec-24 Sep-25 Dec-25 CASA 132338 137387 142676 3.85% 7.81% BUSINESS GROWTH CASA% 43.37% 40.52% 40.85% 33 bps (252 bps) Retail Term Deposits 150563 171384 175145 2.19% 16.33% Total Deposits 305121 33

  5. Slide 5: Performance Highlights: Asset Quality and Financial Indicators

    PERFORMANCE HIGHLIGHTS (Rs. In Crores) ASSET QUALITY Quarter Ended Parameters Q-O-Q ( %) Y-o-Y (%) Dec-24 Sep-25 Dec-25 Gross NPA 6071 5078 4530 -10.79% -25.38% QUALITY Net NPA 976 776 708 -8.76% -27.46% ASSET GNPA% 2.55% 1.83% 1.54% (29 bps) (101 bps) NNPA% 0.42% 0.28% 0.24% (4 bps) (18 bps) STRENG

  6. Slide 6: Financial Performance

    FINANCIAL PERFORMANCE (Rs. In Crores) Quarter Ending 9 Months Ending Growth % Particulars Q-o-Q Y-o-Y 9M 25-26 Dec-24 Sep-25 Dec-25 9M 24-25 9M 25-26 Dec 25 Over Dec 25 Over OVER Sep 25 Dec 24 9M 24-25 Interest Income 7112 7849 8172 20498 23407 4.12% 14.90% 14.19% Interest Expenses 4323 4790 4874 12

  7. Slide 7: Total Income

    TOTAL INCOME (Rs. In Crores) Quarter Ending 9 Months Ending Growth % Particulars Q-o-Q Y-o-Y 9M 25-26 Dec-24 Sep-25 Dec-25 9M 24-25 9M 25-26 Dec 25 Over Dec 25 Over OVER Sep 25 Dec 24 9M 24-25 Interest on Loans 5257 5920 6210 15142 17640 4.90% 18.13% 16.50% Interest on Investment 1808 1872 1906 5222

  8. Slide 8: Fee Based Income

    FEE BASED INCOME (Rs. In Crores) Quarter Ending 9 Months Ending Growth % Particulars Q-o-Q Y-o-Y 9M 25-26 Dec-24 Sep-25 Dec-25 9M 24-25 9M 25-26 Dec 25 Over Dec 25 Over OVER Sep 25 Dec 24 9M 24-25 A.Exchange & Commission 116 115 69 364 306 -40.00% -40.52% -15.93% B.Income from Non Fund Based 55 72 5

  9. Slide 9: Total Expenses

    TOTAL EXPENSES (Rs. In Crores) Quarter Ending 9 Months Ending Growth % Particulars Q-o-Q Y-o-Y 9M 25-26 Dec-24 Sep-25 Dec-25 9M 24-25 9M 25-26 Dec 25 Over Dec 25 Over OVER Sep 25 Dec 24 9M 24-25 Interest on Deposits 3742 4117 4167 11114 12290 1.21% 11.36% 10.58% Interest on Borrowings 581 672 707 16

  10. Slide 10: Profit Parameter

    PROFIT PARAMETER (Rs. In Crores) Quarter Ending 9 Months Ending Growth % Particulars Q-o-Q Y-o-Y 9M 25-26 Dec-24 Sep-25 Dec-25 9M 24-25 9M 25-26 Dec 25 Over Dec 25 Over OVER Sep 25 Dec 24 9M 24-25 Operating Profit 2266 2400 2603 6070 7361 8.46% 14.87% 21.27% Provisions 1028 673 1236 3112 2753 83.66%

  11. Slide 11: Performance Ratios - Quarterly

    PERFORMANCE RATIOS - QUARTERLY COST OF DEPOSITS(%) COST OF FUNDS(%) 5.17 5.29 5.08 5.10 5.24 5.05 5.22 5.16 4.92 5.07 DEC 24 MAR 25 JUN 25 SEP 25 DEC 25 DEC 24 MAR 25 JUN 25 SEP 25 DEC 25 YIELD ON ADVANCES % (DOMESTIC) YIELD ON ADVANCES % (GLOBAL) 9.02 9.33 8.92 8.94 9.18 9.19 9.11 8.78 9.03 8.83 DE

  12. Slide 12: Performance Ratios - Quarterly

    PERFORMANCE RATIOS - QUARTERLY YIELD ON FUNDS(%) RETURN ON ASSETS 8.69 1.20 1.28 1.12 1.14 8.45 0.93 8.15 8.19 8.19 DEC 24 MAR 25 JUN 25 SEP 25 DEC 25 DEC 24 MAR 25 JUN 25 SEP 25 DEC 25 YIELD ON INVESTMENT % COST TO INCOME 6.86 6.77 6.75 44.55 44.35 45.76 45.74 44.22 6.62 6.69 DEC 24 MAR 25 JUN 25 S

  13. Slide 13: Performance Ratios - Quarterly

    PERFORMANCE RATIOS - QUARTERLY NET INTEREST MARGIN % (DOMESTIC) 3.77 3.47 3.42 3.35 3.17 DEC 24 MAR 25 JUN 25 SEP 25 DEC 25 NET INTEREST MARGIN % (GLOBAL) 3.58 3.33 3.21 3.32 3.04 DEC 24 MAR 25 JUN 25 SEP 25 DEC 25 13 Performance Analysis Q3/9M-FY26

  14. Slide 14: Business Performance

    BUSINESS PERFORMANCE (Rs. In Crores) Q-o-Q variation Y-o-Y variation Particulars Dec-24 Sep-25 Dec-25 Amount % Amount % CASA 132338 137387 142676 5289 3.85% 10338 7.81% Retail Term Deposits 150563 171384 175145 3761 2.19% 24582 16.33% Term Deposits 172783 201679 206627 4948 2.45% 33844 19.59% Total

  15. Slide 15: Business Composition

    BUSINESS COMPOSITION BUSINESS PORTFOLIO SHARE DEC 25 Savings Bank 18% Current Advances Deposits 46% 4% Term Deposits 32% % SHARE OF DOMESTIC ADVANCE- DEC 25 POP CATEGORY WISE DISTRIBUTION OF DEPOSITS: DEC 25 Corporate/Others Retail Metro 18% Rural 30% 47% 12% MSME 18% Urban Agri Semi-Urban 22% 34% 1

  16. Slide 16: Advances

    ADVANCES (Rs. In Crores) Q-o-Q variation Y-o-Y variation Parameters Dec-24 Sep-25 Dec-25 Amount % Amount % Retail 58611 78765 83838 5073 6.44% 25227 43.04% Agri 69139 83023 92996 9973 12.01% 23857 34.51% MSME 43124 48494 50635 2141 4.41% 7511 17.42% Corporate/others 48599 50133 51137 1004 2.00% 2538

  17. Slide 17: Retail Advances

    RETAIL ADVANCES (Rs. In Crores) % Share to Total Retail Advances Dec-25 Domestic Period Retail Advances Domestic Advances Advances 78765 83838 70803 62764 Dec-24 219472 58611 26.71% 58611 Mar-25 233501 62764 26.88% Jun-25 244048 70803 29.01% Sep-25 260416 78765 30.25% Dec-25 278605 83838 30.09% Dec-

  18. Slide 18: Agriculture

    AGRICULTURE (Rs. In Crores) % Share to Domestic Period Domestic Advances Agri Advances Advances Dec-24 219472 69139 31.50% Mar-25 233501 74545 31.92% Jun-25 244048 76548 31.37% Sep-25 260416 83023 31.88% Dec-25 278605 92996 33.38% Agri Advances Dec-25 92996 83023 74545 76548 69139 Dec-24 Mar-25 Jun-

  19. Slide 19: MSME

    MSME (Rs. In Crores) % Share to Domestic Period MSME Advances Domestic Advances Advances Dec-24 219472 43124 19.65% Mar-25 233501 44310 18.98% Jun-25 244048 45246 18.54% Sep-25 260416 48494 18.62% Dec-25 278605 50635 18.17% MSME Advances Dec-25 50635 48494 45246 44310 43124 Dec-24 Mar-25 Jun-25 Sep-

  20. Slide 20: Investment

    INVESTMENT (Rs. In Crores) Parameters Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Domestic Investments 104939 107020 110176 112477 112229 SLR 80006 80701 83109 85240 84734 Non SLR 24933 26319 27067 27236 27495 Held to Maturity 90969 88785 90730 90128 88364 Available for Sale 12170 15787 15415 18030 19313 Hel

  21. Slide 21: Valuations

    VALUATIONS Particulars Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 * Return on Equity (%) 17.86 19.53 19.00 19.95 20.98 *Basic & Diluted Earning per Share 0.46 0.56 0.58 0.64 0.71 *Price Earning Ratio 111.90 69.59 67.21 61.78 50.89 Book value per share (in Rs) 10.66 12.11 12.41 13.13 13.90 Price/Book value (

  22. Slide 22: NPA Management

    NPA MANAGEMENT (Rs. In Crores) Details Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 i) Opening Gross NPAs 6249 6071 5348 5178 5078 a. Cash Recoveries 170 263 180 212 144 b. Upgradation 76 75 31 94 46 c. Write-Offs 219 3043 238 108 601 d. Sale to ARCs 0 95 0 32 47 ii) Total Reductions (a+b+c+d) 465 3476 449 44

  23. Slide 23: NPA Management

    NPA MANAGEMENT GNPA(%) NNPA(%) 2.55% 0.42% 2.14% 0.37% 1.97% 1.83% 0.32% 1.54% 0.28% 0.24% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 PCR(%) SLIPPAGE RATIO 97.07% 97.30% 97.47% 97.48% 97.49% 1.19% 83.92% 82.95% 84.24% 84.37% 84.71% 0.13% 0.10% 0.11% 0.11% Dec-24 Mar-25 Jun

  24. Slide 24: Sector-wise Credit Deployment & NPA

    SECTOR-WISE CREDIT DEPLOYMENT & NPA (Rs. In Crores) Dec-24 Sep-25 Dec-25 Segmental NPAs ADV NPA Ratio % ADV NPA Ratio % ADV NPA Ratio % Retail 58611 978 1.67% 78765 839 1.07% 83838 651 0.78% Agri 69139 1829 2.65% 83023 1539 1.85% 92996 1228 1.32% MSME 43124 1753 4.07% 48494 1149 2.37% 50635 1140 2.2

  25. Slide 25: Capital Adequacy

    CAPITAL ADEQUACY (Rs. In Crores) Particulars Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Market Risk RWA 1353 1341 2898 2781 2773 Operational Risk RWA 19183 19183 22587 22587 22587 Credit Risk RWA 137216 148560 153666 158915 177382 Total RWA (A) 157753 169084 179152 184284 202743 CET 1 22601 28972 28278 2862

  26. Slide 26: Movement of CRAR & RWAs

    MOVEMENT OF CRAR & RWAs CRAR 19.74% 18.28% 17.94% 16.97% 16.30% D EC - 2 4 MA R- 2 5 JUN - 2 5 SE P - 2 5 DEC - 2 5 CREDIT RWA TO ADVANCE RATIO TOTAL RWA TO ADVANCE RATIO 60.13% 59.42% 58.56% 57.74% 68.27% 57.17% 67.63% 66.30% 66.39% 68.73% DEC - 2 4 MA R- 2 5 JUN - 2 5 SE P- 2 5 DEC - 2 5 DEC - 2 4

  27. Slide 27: Financial Inclusion

    FINANCIAL INCLUSION PMJDY Account (Number in Lakhs) PMJDY Account Balance(in Crs) 93.37 3879 3887 3867 91.55 3835 89.63 87.84 85.89 3767 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 PMJDY Account (Number in Lakhs) PMJDY Account Balance PMJDY Zero balance Accounts (No in Lakh

  28. Slide 28: Digital Outreach

    DIGITAL OUTREACH ATM/CDM INTERNET BANKING REGISTERED USERS (NO OF OUTLETS) (IN LAKHS) 3622 3567 38.50 37.11 3503 3497 35.77 3461 34.18 32.9 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 MOBILE BANKING REGISTERED USERS UPI REGISTERED USERS (IN LAKHS) (IN LAKHS) 148.82 139.98 1

  29. Slide 29: Customer Touch Point Pan India

    CUSTOMER TOUCH POINT PAN INDIA Domestic Presence Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Branches 3322 3335 3345 3373 3438 ATM/CR 3503 3497 3461 3567 3622 BC 9041 10135 10872 11467 11959 DEC-25 BRANCHES Rural, 941, Metro, 729, 27% 21% Semi Urban, Urban, 709, 1059, 31% 21% 29 Performance Analysis Q3/9M-FY

  30. Slide 30: Foreign Outreach

    FOREIGN OUTREACH HONG KONG BANGKOK BRANCH BRANCH SINGAPORE COLOMBO BRANCH BRANCH 30 Performance Analysis Q3/9M-FY26

  31. Slide 31: Share Holding Pattern

    SHARESHARE HOLDING HOLDING PATTERN PATTERN AS ON 31.12.2025 Category of Shareholder % share Government of India 92.44% Government of India, FI/Banks 0.37% 92.44% Foreign Portfolio Investor (Corporate) 0.35% Mutual Funds 0.18% Insurance Companies 3.72% Bodies Corporate 0.13% Individual 2.47% ESOP/ESO

  32. Slide 32: Assets & Liabilities

    ASSETS & LIABILITIES (Rs. In Lakhs) Balance Sheet as at 31.12.2025 LIABILITIES Standalone Consolidated Particulars 31.12.2025 31.12.2024 31.12.2025 31.12.2024 Capital 1925659 1890241 1925659 1890241 Reserves and Surplus 1699729 1035835 1642192 1002242 Deposits 34930203 30512130 34930203 30512145 Bor

  33. Slide 33: CASA & Deposits Growth in Last Years

    CASA & Deposits Growth in last 5 years (Rs. In Crores) 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

  34. Slide 34: Advances Growth in Last Years

    Advances Growth in last 5 years (Rs. In Crores) 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-

  35. Slide 35: Retail Segment Loans Growth in Last Years

    Retail Segment Loans growth in last 5 years (Rs. In Crores) 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 Loa

  36. Slide 36: Decreasing NPA Levels & Increase in PCR

    Decreasing NPA Levels & Increase in PCR over 5 years (Rs. In Crores) 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

  37. Slide 37: Technology & Digital Initiatives

    Technology & Digital Initiatives Technology & Digital Initiatives Self-Service & Mobile-First Digital Solutions Robotic Automation & AI/ML Leveraging Digital Public Infrastructure Performance Analysis Q3/H2-FY26 Performance Analysis Q3/9M-FY26

  38. Slide 38: Customer Centric Innovations

    Technology & Digital Initiatives Customer Centric Innovations: 01 02 03 Revamped Mobile Banking WhatsApp Banking Customer Onboarding • 29 lac+ retail users •Balance inquiry Solution • ~12000 enrollments daily •Mini statement, Account statement • Self service savings account • Multilingual Interface

  39. Slide 39: Customer Centric Innovations

    Technology & Digital Initiatives Customer Centric Innovations: 04 05 06 VCIP IOB Akshara PIN Branch/ATM Locator • Simplified Video Based Generator Microsite •Attracts NTB customers •Geo coordinates based intelligent customer Identification •Promotes usage of strong PINs • Queue based approach for lo

  40. Slide 40: Customer Centric Innovations

    Technology & Digital Initiatives Customer Centric Innovations: 07 08 09 QR Based Branch •Re-KYC via SMS, •RBIH – ULI Feedbacks Email, Web • Unified Lending Interface • Multi-Perspective Feedback •Amongst top 2 PSBs in number of loan •Re KYC self service mode by disbursement via ULI • Staff Courtesy

  41. Slide 41: Employee Centric Innovations

    Technology & Digital Initiatives Employee Centric Innovations: Tab Banking 01 02 KYC Smart Scanner CRM 03 • Any Time Any Where service delivery Mobile App • 20+ Service requests like • 25+ services with Savings ,Current Issue/Activate/Block Debit Card, • QR Based interface to scan KYC Account and 3-

  42. Slide 42: Employee Centric Innovations

    Technology & Digital Initiatives Employee Centric Innovations: 04 Loan Origination System Robotic Process 05 06 IOB Lawyer’s Diary •90+ schemes across RAM segment Automation • Mobile app for Bank’s Panel •Efficient credit underwriting & quick •Enhance operational efficiency, Lawyers credit delivery

  43. Slide 43: IOB WhatsApp Banking

    IOB WhatsApp Banking www.digital.iob.in Internal 43 Performance Analysis Q3/9M-FY26

  44. Slide 44: IOB Connect

    IOB CONNECT www.digital.iob.in Internal 44 Performance Analysis Q3/9M-FY26

  45. Slide 45: Strategic Investment

    STRATERGIC 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 Indian Indian B

  46. Slide 46: ESG Initiatives

    ESG INITIATIVES ENVIRONMENTAL SOCIAL GOVERNANCE 46 Performance Analysis Q3/9M-FY26

  47. Slide 47: ESG Initiatives

    ESG INITIATIVES ENVIRONMENTAL SOCIAL GOVERNANCE 47 Performance Analysis Q3/9M-FY26

  48. Slide 48: 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 48 Performance Analysis Q3/9M-FY26

  49. Slide 49: 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 49 Performance Analysis Q3/9M-FY26

  50. Slide 50: 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 50 Performance Analysis Q3/9M-FY26

  51. Slide 51: ESG Initiatives

    ESG INITIATIVES COMPLYING WITH ALL GUIDELINES &REGULATIONS ENVIRONMENTAL SOCIAL GOVERNANCE EFFECTIVE MONITORING CUSTOMER RIGHT POLICY EFFECTIVE CUSTOMER COMPLAINTS RESOLUTION 51 Performance Analysis Q3/9M-FY26

  52. Slide 52: Accolades & Awards

    ACCOLADES & AWARDS At IBA’s 21st Annual Banking Technology Conference & Citations 2024–25, our Bank was honoured with four prestigious recognitions, reaffirming our commitment to technology-led banking and inclusive growth. Our Achievements: Best Tech Talent & Organization (Runner-up) Best IT Risk &

  53. Slide 53: Events & Initiatives

    EVENTS & INITIATIVES As part of Vigilance Awareness Week, a sensitisation programme on Preventive Vigilance was conducted at Indian Overseas Bank. Dr. Sandeep Mittal, IPS, ADGP, Cyber Crime Wing, Tamil Nadu Police, addressed our Top Executives and Regional Heads across India, sharing valuable insigh

  54. Slide 54: Events & Initiatives

    EVENTS & INITIATIVES 54 Performance Analysis Q3/9M-FY26

  55. Slide 55: Events & Initiatives

    EVENTS & INITIATIVES Our MD & CEO Shri Ajay Kumar Srivastava inaugurated IOB’s Cyber Carnival as part of the National Cyber Security Awareness Month, which saw active participation from the CVO and senior executives 55 Performance Analysis Q3/9M-FY26

  56. Slide 56: Events & Initiatives

    EVENTS & INITIATIVES 56 Performance Analysis Q3/9M-FY26

  57. Slide 57: Products & Services

    PRODUCTS & SERVICES 57 Performance Analysis Q3/9M-FY26

  58. Slide 58: Products & Services

    PRODUCTS & SERVICES 58 Performance Analysis Q3/9M-FY26

  59. Slide 59: 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

  60. Slide 60: Official Social Media Handles of Indian Overseas Bank

    Official Social Media Handles of Indian Overseas Bank YOUTUBE : 12,81,316 followers - https://www.youtube.com/@IOBIndia/ FACEBOOK : 6,09,183 followers - https://www.facebook.com/IOBIndia.in INSTAGRAM : 4,85,470 followers - https://www.instagram.com/iobindia/ X (TWITTER): 74,826 followers - https://x

  61. Slide 61: 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.bank.in Follow

Indian Overseas Bank — Q3 FY2025-26 Earnings Presentation on 6ix