Indian Overseas Bank · NSE:IOB
Indian Overseas Bank — Q1 FY26 Earnings Presentation
57 slides from Indian Overseas Bank's earnings presentation, Jul 18, 2025
Slide 1: Performance Analysis for Quarter Ended 30th June 2025
Performance Analysis For Quarter Ended, 30th June 2025 18.07.2025 1
Slide 2: Index
INDEX VISION ---------- 3 PERFORMANCE HIGHLIGHTS ---------- 4 FINANCIAL PERFORMANCE ---------- 6 BUSINESS PERFORMANCE ---------- 13 NPA MANAGEMENT ---------- 21 CAPITAL ADEQUACY ---------- 24 FINANCIAL INCLUSION ---------- 26 DIGITAL INITIATIVES ---------- 31 CUSTOMER TOUCH POINT ---------- 38 SHARE
Slide 3: IOB Founder Chairman
Shri M Ct M Chidambaram Chettyar IOB Founder Chairman 3 Performance Analysis Q1-FY26
Slide 4: Performance Highlights: Business Growth and Profitability
PERFORMANCE HIGHLIGHTS BUSINESS GROWTH (Rs. In Crores) Quarter Ended Parameters Y-O-Y ( %) Jun-24 Jun-25 CASA 125947 144837 15.00% BUSINESS GROWTH CASA% 42.17% 43.78% 161 bps Total Deposits 298681 330792 10.75% Home Loan 28788 31578 9.69% Jewel Loan 52907 76742 45.05% Advances 230092 262421 14.05% B
Slide 5: Performance Highlights: Asset Quality and Financial Indicators
PERFORMANCE HIGHLIGHTS ASSET QUALITY (Rs. In Crores) Quarter Ended Parameters Y-o-Y (%) Jun-24 Jun-25 Gross NPA 6649 5178 -22.11% ASSET QUALITY Net NPA 1154 816 -29.23% GNPA% 2.89% 1.97% (92 bps) NNPA% 0.51% 0.32% (19 bps) STRENGTHENING FINANCIAL INDICATORS Quarter Ended Parameters Y-o-Y ( %) STRENG
Slide 6: Financial Performance
FINANCIAL PERFORMANCE (Rs. In Crores) Quarter Ended Growth % Particulars Q-o-Q Y-o-Y Jun-24 Mar-25 Jun-25 Jun 25 Over Jun 25 Over Mar 25 Jun 24 Interest Income 6535 7634 7386 -3.25% 13.02% Interest Expenses 4094 4511 4639 2.85% 13.32% Net Interest Income 2441 3123 2746 -12.06% 12.50% Non Interest In
Slide 7: Total Income
TOTAL INCOME (Rs. In Crores) Quarter Ended Growth % Particulars Q-o-Q Y-o-Y Jun-24 Mar-25 Jun-25 Jun 25 Over Jun 25 Over Mar 25 Jun 24 Interest on Loans 4830 5258 5509 4.78% 14.05% Interest on Investment 1660 1816 1829 0.70% 10.19% Other Interest Income 45 560 48 -91.49% 5.98% Total Interest Income
Slide 8: Fee Based Income
FEE BASED INCOME (Rs. In Crores) Quarter Ended Growth % Particulars Q-o-Q Y-o-Y Jun-24 Mar-25 Jun-25 Jun 25 Over Jun 25 Over Mar 25 Jun 24 A.Exchange & Commission 122 207 121 -41.55% -0.76% B.Income from Non Fund Based 39 45 60 33.12% 52.31% Business C.Processing charges 80 125 109 -12.54% 36.26% D.
Slide 9: Total Expenses
TOTAL EXPENSES (Rs. In Crores) Quarter Ended Growth % Particulars Q-o-Q Y-o-Y Jun-24 Mar-25 Jun-25 Jun 25 Over Jun 25 Over Mar 25 Jun 24 Interest on Deposits 3588 3895 4006 2.87% 11.65% Interest on Borrowings 506 616 633 2.74% 25.16% Total Interest Expenses 4094 4511 4639 2.85% 13.32% Staff Expenses
Slide 10: Profit Parameter
PROFIT PARAMETER (Rs. In Crores) Quarter Ended Growth % Particulars Q-o-Q Y-o-Y Jun-24 Mar-25 Jun-25 Jun 25 Over Jun 25 Over Mar 25 Jun 24 Operating Profit 1676 2618 2358 -9.93% 40.70% Provisions 938 1063 844 -20.63% -10.00% of which NPA Provisions 164 200 178 -10.66% 8.89% Other Provisions 774 864
Slide 11: Performance Ratios - Quarterly
PERFORMANCE RATIOS - QUARTERLY COST OF DEPOSITS(%) COST OF FUNDS(%) 5.15 5.17 5.29 5.10 5.24 5.08 5.22 5.13 4.95 5.03 JUNE 24 SEP 24 DEC 24 MAR 25 JUN 25 JUNE 24 SEP 24 DEC 24 MAR 25 JUN 25 YIELD ON ADVANCES % (DOMESTIC) YIELD ON ADVANCES % (GLOBAL) 9.02 9.33 8.97 9.30 9.18 9.18 8.92 8.75 8.78 9.11
Slide 12: Performance Ratios - Quarterly
PERFORMANCE RATIOS - QUARTERLY YIELD ON FUNDS(%) RETURN ON ASSETS(%) 1.12 1.14 8.45 8.69 0.93 8.28 8.11 0.82 0.70 8.15 JUNE 24 SEP 24 DEC 24 MAR 25 JUN 25 JUNE 24 SEP 24 DEC 24 MAR 25 JUN 25 YIELD ON INVESTMENT(%) COST TO INCOME(%) 6.91 51.76 6.84 6.86 48.97 44.55 44.35 44.22 6.77 6.75 JUNE 24 SEP 2
Slide 13: Business Performance
BUSINESS PERFORMANCE (Rs. In Crores) Q-o-Q variation Y-o-Y variation Particulars Jun-24 Mar-25 Jun-25 Amount % Amount % CASA 125947 136161 144837 8676 6.37% 18890 15.00% Retail Term Deposits 144027 155846 161371 5525 3.55% 17344 12.04% Term Deposits 172734 175777 185955 10178 5.79% 13221 7.65% Total
Slide 14: Business Composition
BUSINESS COMPOSITION BUSINESS PORTFOLIO SHARE JUNE 25 Savings Bank 18% Current Advances Deposits 44% 6% Term Deposits 32% % SHARE OF DOMESTIC ADVANCE- JUNE 25 POP CATEGORY WISE DISTRIBUTION OF DEPOSITS: JUNE 25 Semi-Urban Rural Corporate/Others Retail 12% 21% 29% 18% Urban MSME 22% 19% Metro 48% Agr
Slide 15: Advances
ADVANCES (Rs. In Crores) Q-o-Q variation Y-o-Y variation Parameters Jun-24 Mar-25 Jun-25 Amount % Amount % Retail 51029 62764 70803 8039 12.81% 19774 38.75% Agri 60786 74545 76548 2003 2.69% 15762 25.93% MSME 42642 44310 45246 936 2.11% 2604 6.11% Corporate/others 58002 51882 51450 -432 -0.83% -6552
Slide 16: RAM Performance
RAM PERFORMANCE Parameters Jun-24 Mar-25 Jun-25 Q-o-Q % Y-o-Y % (Rs. In Crores) RETAIL CREDIT 51029 62764 70803 12.81% 38.75% Of which RETAIL BREAK UP - JUNE 25 a) Home 28788 31168 31578 1.32% 9.69% b) Education 2630 2420 2417 -0.09% -8.09% c) Vehicle 4713 5311 5569 4.87% 18.17% Others 40% Home d) P
Slide 17: Agriculture
AGRICULTURE (Rs. In Crores) % Share to Domestic Period Agri Advances Domestic Advances Advances Jun-24 212459 60786 28.61% Sep-24 212995 65327 30.67% Dec-24 219472 69139 31.50% Mar-25 233501 74545 31.93% Jun-25 244048 76548 31.37% Agri Advances June-25 74545 76548 65327 69139 60786 Jun-24 Sep-24 Dec
Slide 18: MSME
MSME (Rs. In Crores) Category Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Micro 18977 20178 23489 23659 23820 Small 8002 7883 10588 11079 12098 Medium 15662 13514 9047 9572 9328 Total 42642 41574 43124 44310 45246 MSME BREAKUP JUNE-24 MSME BREAKUP JUNE-25 Micro, Small, Small, 44.50% Micro, 18.77% 26.74% 52.6
Slide 19: Investment
INVESTMENT (Rs. In Crores) Parameters Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Domestic Investments 97955 103128 104939 107020 110176 SLR 72823 78218 80006 80701 83109 Non SLR 25132 24910 24933 26319 27067 Held to Maturity 87296 90232 90969 88785 90730 Available for Sale 8767 11213 12170 15787 15415 Held
Slide 20: Valuations
VALUATIONS Particulars Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 *Return on Equity (%) 14.10 16.90 17.86 19.53 19.00 *Basic & Diluted Earning per Share 0.33 0.41 0.46 0.56 0.58 *Price Earning Ratio 192.01 140.41 111.90 69.59 67.21 Book value per share (in Rs) 9.43 10.04 10.66 12.11 12.41 Price/Book value (
Slide 21: NPA Management
NPA MANAGEMENT (Rs. In Crores) Details Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 i) Opening Gross NPAs 6794 6649 6249 6071 5348 a. Cash Recoveries 139 219 170 263 180 b. Upgradation 52 102 76 75 31 c. Write-Offs 251 370 219 3043 238 d. Sale to ARCs 0 0 0 95 0 ii) Total Reductions (a+b+c+d) 442 691 465 3476
Slide 22: NPA Management
NPA MANAGEMENT GNPA(%) NNPA(%) 2.89% 2.72% 2.55% 2.14% 0.51% 1.97% 0.47% 0.42% 0.37% 0.32% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 PCR(%) SLIPPAGE RATIO(%) 96.96% 97.06% 97.07% 97.30% 97.47% 1.19% 82.65% 83.05% 83.92% 84.24% 82.95% 0.13% 0.13% 0.11% 0.10% Jun-24 Sep-24
Slide 23: Sector-wise Credit Deployment & NPA
SECTOR-WISE CREDIT DEPLOYMENT & NPA (Rs. In Crores) Jun-24 Mar-25 Jun-25 Segmental NPAs ADV NPA Ratio % ADV NPA Ratio % ADV NPA Ratio % Retail 51029 897 1.76% 62764 754 1.20% 70803 822 1.16% Agri 60786 2002 3.29% 74545 1673 2.24% 76548 1603 2.09% MSME 42642 2104 4.93% 44310 1314 2.97% 45246 1185 2.6
Slide 24: Capital Adequacy
CAPITAL ADEQUACY (Rs. In Crores) Particulars Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Market Risk RWA 1602 1441 1353 1341 2898 Operational Risk RWA 19183 19183 19183 19183 22587 Credit Risk RWA 124051 130555 137216 148560 153666 Total RWA (A) 144836 151179 157753 169084 179152 CET 1 21706 22300 22601 2897
Slide 25: Movement of CRAR & RWAs
MOVEMENT OF CRAR & RWAs CRAR 19.74% 17.82% 17.45% 16.97% 18.28% JUN - 2 4 SE P - 2 4 D EC - 2 4 MA R- 2 5 JUN - 2 5 CREDIT RWA TO ADVANCE RATIO TOTAL RWA TO ADVANCE RATIO 59.42% 58.56% 57.74% 67.63% 56.73% 66.39% 65.69% 68.27% 53.91% 62.95% JUN - 2 4 SE P - 2 4 DEC - 2 4 MA R- 2 5 JUN - 2 5 JUN - 2
Slide 26: Financial Inclusion
FINANCIAL INCLUSION PMJDY Account (Number in Lakhs) PMJDY Account Balance (in Crs) 3835 3867 89.63 3767 87.84 3646 85.89 3558 83.41 80.78 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 PMJDY Account (Number in Lakhs) PMJDY Account Balance PMJDY Zero balance Accounts (No in Lak
Slide 27: 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 28: 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 29: 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 30: 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 31: Technology & Digital Initiatives: Focus Areas
Technology & Digital Initiatives Focus Areas Customer Operational Centricity Efficiency Digital Value Innovation Delivery 31 Performance Analysis Q1-FY26
Slide 32: Customer Centricity
Technology & Digital Initiatives Tab Banking with 25+ services like SB Account opening, Re 01 KYC, Nomination management available for any time any where service delivery to customers. WhatsApp Banking providing features like Balance 02 inquiry, Mini statement, Branch/ATM locator with Google Custome
Slide 33: Digital Innovation
Technology & Digital Initiatives An innovative, AI-powered tool “www.aksharapin.iob.in” 01 launched to create personalized banking PINs using the elegance of the Tamil script, promoting cyber security awareness and need for strong PINs. Digital Innovation Location intelligence built-in banking outle
Slide 34: Operational Efficiency
Technology & Digital Initiatives Digital solutions & workflow for Collection management, 01 Recovery actions like Civil Suit, DRT, SARFAESI for timely actions enhancing collection and recovery efficiency . API, Integrated Payment Hub Solutions for faster and Operational Efficiency 02 seamless proces
Slide 35: 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 Productivity Enhancement: Optimized internal Value Delivery 02 processes reducing
Slide 36: IOB's Akshara
IOB’s Akshara Visit www.aksharapin.iob.in An innovative, AI-powered tool “www.aksharapin.iob.in” launched to create personalized banking PINs using the elegance of the Tamil script, promoting cyber security awareness and need for strong PINs. www.digital.iob.in 36 Performance Analysis Q1-FY26
Slide 37: Digital Outreach
DIGITAL OUTREACH ATM/CDM INTERNET BANKING REGISTERED USERS (NO OF OUTLETS) (IN LAKHS) 3505 3501 3503 3497 35.77 34.18 3461 32.90 31.25 31.41 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 MOBILE BANKING REGISTERED USERS UPI REGISTERED USERS (IN LAKHS) (IN LAKHS) 128.53 105.71
Slide 38: Customer Touch Point Pan India
CUSTOMER TOUCH POINT PAN INDIA Domestic Presence Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Branches 3250 3269 3322 3335 3345 ATM/CR 3505 3501 3503 3497 3461 BC 7078 8023 9041 10135 10872 JUNE-25 BRANCHES Rural, 931, Metro, 714, 28% 21% Semi Urban, Urban, 683, 1017, 30% 21% 38 Performance Analysis Q1-FY26
Slide 39: Foreign Outreach
FOREIGN OUTREACH HONG KONG BANGKOK BRANCH BRANCH SINGAPORE COLOMBO BRANCH BRANCH 39 Performance Analysis Q1-FY26
Slide 40: Share Holding Pattern as on 30.06.2025
SHARE HOLDING PATTERN AS ON 30.06.2025 Category of Shareholder % share Government of India 94.61% Government of India, 94.61% FI/Banks 0.41% Foreign Portfolio Investor (Corporate) 0.08% Mutual Funds 0.12% Insurance Companies 1.84% Bodies Corporate 0.24% Individual 2.38% ESOP/ESOS/ESPS 0.20% Institut
Slide 41: 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 42: Assets & Liabilities
ASSETS & LIABILITIES (Rs. In Lakhs) Balance Sheet as at 30.06.2025 LIABILITIES Standalone Consolidated Particulars 30.06.2025 30.06.2024 30.06.2025 30.06.2024 Capital 1925659 1890241 1925659 1890241 Reserves and Surplus 1452128 854372 1388010 818150 Deposits 33079216 29868104 33079216 29881394 Borro
Slide 43: ESG Initiatives
ESG INITIATIVES ENVIRONMENTAL SOCIAL GOVERNANCE 43 Performance Analysis Q1-FY26
Slide 44: 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 45: 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 46: 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 46 Performance Analysis Q1-FY26
Slide 47: 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 47 Performance Analysis Q1-FY26
Slide 48: 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 48 Performance Analysis Q1-FY26
Slide 49: ESG Initiatives
ESG INITIATIVES COMPLYING WITH ALL GUIDELINES ®ULATIONS ENVIRONMENTAL SOCIAL GOVERNANCE EFFECTIVE MONITORING CUSTOMER RIGHT POLICY EFFECTIVE CUSTOMER COMPLAINTS RESOLUTION 49 Performance Analysis Q1-FY26
Slide 50: Events & Initiatives
EVENTS & INITIATIVES On 26th June 2025, on the unforgettable occasion of 'Golden Jubilee Celebration of Official Language Department' at Bharat Mandapam, New Delhi, the book "Sahityakar Mahakumbh" published by our bank was released by the Union Home and Cooperation Minister Hon'ble Amit Shah ji alon
Slide 51: Events & Initiatives
EVENTS & INITIATIVES Shri M. Nagaraju, I.A.S., Hon’ble Secretary, DFS, MoF, Govt. of India, in the presence of Shri Ajay Kumar Srivastava, MD & CEO, Indian Overseas Bank, along with EDs & senior officials, launched several customer-centric Digital initiatives 51 Performance Analysis Q1-FY26
Slide 52: Accolades & Awards
ACCOLADES & AWARDS Indian Overseas Bank has been recognized as the winner in the Special Initiative Citation category in the EASE 7.0 Reforms. 52 Performance Analysis Q1-FY26
Slide 53: Accolades & Awards
ACCOLADES & AWARDS Indian Overseas Bank, as Principal Sponsor, hosted a landmark FPO Conclave in Madurai on “Empowering Farmers to Adopt Organic Farming,” supported by Amul & Richplus. 53 Performance Analysis Q1-FY26
Slide 54: Products & Services
PRODUCTS & SERVICES 54 Performance Analysis Q1-FY26
Slide 55: Products & Services
PRODUCTS & SERVICES 55 Performance Analysis Q1-FY26
Slide 56: 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 57: 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