Indian Overseas Bank · NSE:IOB
Indian Overseas Bank — Q2 FY2026 Earnings Presentation
64 slides from Indian Overseas Bank's earnings presentation, Oct 16, 2025
Slide 1: Performance Analysis Quarter/Half year ended 30th September 2025
Performance Analysis For the Quarter /Half year ended 30th September 2025 Date:16.10.2025
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 ---------- 40 SHARE
Slide 3: IOB Founder Chairman
Shri M Ct M Chidambaram Chettyar IOB Founder Chairman 3 Performance Analysis Q2/H1-FY26
Slide 4: Performance Highlights: Business Growth and Profitability
PERFORMANCE HIGHLIGHTS (Rs. In Crores) BUSINESS GROWTH Quarter Ended Parameters Q-O-Q ( %) Y-O-Y ( %) Sep-24 Jun-25 Sep-25 CASA 131856 144837 137387 -5.14% 4.19% BUSINESS CASA% 42.44% 43.78% 40.52% (326 bps) (192 bps) GROWTH Total Deposits 310652 330792 339066 2.50% 9.15% Advances 230149 262421 2779
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 (%) Sep-24 Jun-25 Sep-25 Gross NPA 6249 5178 5078 -1.93% -18.74% QUALITY Net NPA 1059 816 776 -4.90% -26.72% ASSET GNPA% 2.72% 1.97% 1.83% (14 bps) (89 bps) NNPA% 0.47% 0.32% 0.28% (4 bps) (19 bps) STRENGT
Slide 6: Financial Performance
FINANCIAL PERFORMANCE (Rs. In Crores) Quarter Ending Half Year Ending Growth % Particulars Q-o-Q Y-o-Y HY 25-26 Sep-24 Jun-25 Sep-25 HY 2024-25 HY 2025-26 Sep 25 Sep 25 Over OVER Over Jun 25 Sep 24 HY 24-25 Interest Income 6851 7386 7849 13386 15234 6.27% 14.57% 13.81% Interest Expenses 4313 4639 47
Slide 7: Total Income
TOTAL INCOME (Rs. In Crores) Quarter Ending Half Year Ending Growth % Particulars Q-o-Q Y-o-Y HY 25-26 Sep-24 Jun-25 Sep-25 HY 2024-25 HY 2025-26 Sep 25 Over Sep 25 Over OVER Jun 25 Sep 24 HY 24-25 Interest on Loans 5055 5509 5920 9885 11429 7.46% 17.11% 15.62% Interest on Investment 1754 1829 1872
Slide 8: Fee Based Income
FEE BASED INCOME (Rs. In Crores) Quarter Ending Half Year Ending Growth % Particulars Q-o-Q Y-o-Y HY 25-26 Sep-24 Jun-25 Sep-25 HY 2024-25 HY 2025-26 Sep 25 Over Sep 25 Over OVER Jun 25 Sep 24 HY 24-25 A.Exchange & Commission 127 121 115 248 236 -4.96% -9.45% -4.84% B.Income from Non Fund Based 42 6
Slide 9: Total Expenses
TOTAL EXPENSES (Rs. In Crores) Quarter Ending Half Year Ending Growth % Particulars Q-o-Q Y-o-Y HY 25-26 Sep-24 Jun-25 Sep-25 HY 2024-25 HY 2025-26 Sep 25 Over Sep 25 Over OVER Jun 25 Sep 24 HY 24-25 Interest on Deposits 3784 4006 4117 7372 8123 2.77% 8.80% 10.19% Interest on Borrowings 529 633 672
Slide 10: Profit Parameter
PROFIT PARAMETER (Rs. In Crores) Quarter Ending Half Year Ending Growth % Particulars Q-o-Q Y-o-Y HY 25-26 HY HY Sep-24 Jun-25 Sep-25 Sep 25 Over Sep 25 Over OVER HY 2024-25 2025-26 Jun 25 Sep 24 24-25 Operating Profit 2128 2358 2400 3804 4758 1.78% 12.78% 25.08% Provisions 1146 844 673 2084 1517 -2
Slide 11: Performance Ratios - Quarterly
PERFORMANCE RATIOS - QUARTERLY COST OF DEPOSITS(%) COST OF FUNDS(%) 5.17 5.15 5.29 5.10 5.24 5.08 5.22 5.05 5.13 5.16 SEP 24 DEC 24 MAR 25 JUN 25 SEP 25 SEP 24 DEC 24 MAR 25 JUN 25 SEP 25 YIELD ON ADVANCES % (DOMESTIC) YIELD ON ADVANCES % (GLOBAL) 9.02 8.97 9.33 9.30 8.92 8.94 9.19 9.18 8.78 9.11 SE
Slide 12: Performance Ratios - Quarterly
PERFORMANCE RATIOS - QUARTERLY YIELD ON FUNDS(%) RETURN ON ASSETS 8.69 1.14 1.20 1.12 8.45 0.93 0.82 8.28 8.15 8.19 SEP 24 DEC 24 MAR 25 JUN 25 SEP 25 SEP 24 DEC 24 MAR 25 JUN 25 SEP 25 YIELD ON INVESTMENT % COST TO INCOME 6.91 6.86 6.77 48.97 6.75 44.55 45.76 44.35 44.22 6.62 SEP 24 DEC 24 MAR 25 J
Slide 13: Performance Ratios - Quarterly
PERFORMANCE RATIOS - QUARTERLY NET INTEREST MARGIN % (DOMESTIC) 3.77 3.47 3.35 3.21 3.17 SEP 24 DEC 24 MAR 25 JUN 25 SEP 25 NET INTEREST MARGIN % (GLOBAL) 3.58 3.33 3.08 3.21 3.04 SEP 24 DEC 24 MAR 25 JUN 25 SEP 25 13 Performance Analysis Q2/H1-FY26
Slide 14: Business Performance
BUSINESS PERFORMANCE (Rs. In Crores) Q-o-Q variation Y-o-Y variation Particulars Sep-24 Jun-25 Sep-25 Amount % Amount % CASA 131856 144837 137387 -7450 -5.14% 5531 4.19% Retail Term Deposits 149374 161371 171384 10013 6.20% 22010 14.73% Term Deposits 178796 185955 201679 15724 8.46% 22883 12.80% Tot
Slide 15: Business Composition
BUSINESS COMPOSITION BUSINESS PORTFOLIO SHARE SEP 25 Savings Bank 18% Advances Current 45% Deposits 4% Term Deposits 33% % SHARE OF DOMESTIC ADVANCE- SEP 25 POP CATEGORY WISE DISTRIBUTION OF DEPOSITS: SEP 25 Retail Rural Corporate/Others 30% 12% 19% Semi-Urban 19% Metro 47% MSME 19% Agri 32% Urban 2
Slide 16: Advances
ADVANCES (Rs. In Crores) Q-o-Q variation Y-o-Y variation Parameters Sep-24 Jun-25 Sep-25 Amount % Amount % Retail 54291 70803 78765 7962 11.25% 24474 45.08% Agri 65327 76548 83023 6475 8.46% 17696 27.09% MSME 41574 45246 48494 3248 7.18% 6920 16.65% Corporate/others 51802 51450 50133 -1317 -2.56% -1
Slide 17: RAM Performance
RAM PERFORMANCE (Rs. In Crores) Parameters Sep-24 Jun-25 Sep-25 Q-o-Q % Y-o-Y % RETAIL CREDIT 54291 70802 78765 11.25% 45.08% Of which Home 29927 31578 32620 3.30% 9.00% RETAIL BREAK UP - SEP 25 Vehicle 4919 5569 6199 11.31% 26.02% Personal 2417 2879 3109 7.99% 28.63% Others Home Education 2676 2417
Slide 18: Agriculture
AGRICULTURE (Rs. In Crores) % Share to Domestic Period Domestic Advances Agri Advances Advances Sep-24 212995 65327 30.67% Dec-24 219472 69139 31.50% Mar-25 233501 74545 31.92% Jun-25 244048 76548 31.37% Sep-25 260416 83023 31.88% Agri Advances Sep-25 83023 74545 76548 65327 69139 Sep-24 Dec-24 Mar-
Slide 19: MSME
MSME (Rs. In Crores) Category Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Micro 20178 23489 23659 23820 31426 Small 7883 10588 11079 12098 11290 Medium 13514 9047 9572 9328 5778 Total 41575 43124 44310 45246 48494 MSME BREAKUP SEP-24 MSME BREAKUP SEP-25 Micro, Micro, 48.53% 64.80% Small, 18.96% Small, 23.28%
Slide 20: Investment
INVESTMENT (Rs. In Crores) Parameters Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Domestic Investments 103128 104939 107020 110176 112477 SLR 78218 80006 80701 83109 85240 Non SLR 24910 24933 26319 27067 27236 Held to Maturity 90232 90969 88785 90730 90128 Available for Sale 11213 12170 15787 15415 18030 Hel
Slide 21: Valuations
VALUATIONS Particulars Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 * Return on Equity (%) 16.90 17.86 19.53 19.00 19.95 *Basic & Diluted Earning per Share 0.41 0.46 0.56 0.58 0.64 *Price Earning Ratio 140.41 111.90 69.59 67.21 61.78 Book value per share (in Rs) 10.04 10.66 12.11 12.41 13.13 Price/Book value
Slide 22: NPA Management
NPA MANAGEMENT (Rs. In Crores) Details Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 i) Opening Gross NPAs 6649 6249 6071 5348 5178 a. Cash Recoveries 219 170 263 180 212 b. Upgradation 102 76 75 31 94 c. Write-Offs 370 219 3043 238 108 d. Sale to ARCs 0 0 95 0 32 ii) Total Reductions (a+b+c+d) 691 465 3476 44
Slide 23: NPA Management
NPA MANAGEMENT GNPA(%) NNPA(%) 2.72% 2.55% 2.14% 1.97% 0.47% 1.83% 0.42% 0.37% 0.32% 0.28% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 PCR(%) SLIPPAGE RATIO 97.47% 1.19% 97.06% 97.07% 97.30% 97.48% 83.05% 83.92% 82.95% 84.71% 84.24% 0.11% 0.13% 0.10% 0.11% Sep-24 Dec-24 Mar
Slide 24: Sector-wise Credit Deployment & NPA
SECTOR-WISE CREDIT DEPLOYMENT & NPA (Rs. In Crores) Sep-24 Jun-25 Sep-25 Segmental NPAs ADV NPA Ratio % ADV NPA Ratio % ADV NPA Ratio % Retail 54291 935 1.72% 70803 822 1.16% 78765 839 1.07% Agri 65327 1920 2.94% 76548 1603 2.09% 83023 1539 1.85% MSME 41574 1754 4.22% 45246 1185 2.62% 48494 1149 2.3
Slide 25: Capital Adequacy
CAPITAL ADEQUACY (Rs. In Crores) Particulars Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Market Risk RWA 1441 1353 1341 2898 2781 Operational Risk RWA 19183 19183 19183 22587 22587 Credit Risk RWA 130555 137216 148560 153666 158915 Total RWA (A) 151179 157753 169084 179152 184284 CET 1 22300 22601 28972 2827
Slide 26: Movement of CRAR & RWAs
MOVEMENT OF CRAR & RWAs CRAR 19.74% 17.45% 18.28% 16.97% 17.94% SE P- 2 4 DEC - 2 4 MA R- 2 5 JUN - 2 5 SE P - 2 5 CREDIT RWA TO ADVANCE RATIO TOTAL RWA TO ADVANCE RATIO 57.74% 59.42% 58.56% 56.73% 57.17% 67.63% 68.27% 65.69% 66.39% 66.30% SEP- 2 4 DEC - 2 4 MA R- 2 5 JUN - 2 5 SE P- 2 5 SE P - 2 4
Slide 27: Financial Inclusion
FINANCIAL INCLUSION PMJDY Account (Number in Lakhs) PMJDY Account Balance(in Crs) 3867 3879 91.55 3835 89.63 87.84 3767 85.89 83.41 3646 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 PMJDY Account (Number in Lakhs) PMJDY Account Balance PMJDY Zero balance Accounts No in Lakhs
Slide 28: 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
Slide 29: 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-
Slide 30: 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
Slide 31: 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
Slide 32: Technology & Digital Initiatives: Focus Areas
Technology & Digital Initiatives Focus Areas Customer Operational Centricity Efficiency Digital Value Innovation Delivery 32 Performance Analysis Q2/H1-FY26
Slide 33: Customer Centricity
Technology & Digital Initiatives Mobile Banking platform has been revamped, and new app is 01 launched providing customers with built-in UPI, Bill payments & Account Aggregator functionalities ensuring best in class experience WhatsApp Banking providing seamless access to 02 services like Balance In
Slide 34: 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 Robotic Process automation , automates repet
Slide 35: 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. Integrated Payment Hub Solutions for faster and seamless processing of payment instructions and
Slide 36: Value Delivery
Technology & Digital Initiatives Enhanced Customer Satisfaction: Improved customer 01 satisfaction, engagement, and loyalty through streamlined digital interactions, personalized services, and user-friendly interfaces Productivity Enhancement: Optimized internal Value Delivery 02 processes reducing
Slide 37: IOB WhatsApp Banking
IOB WhatsApp Banking www.digital.iob.in Internal 37 Performance Analysis Q2/H1-FY26
Slide 38: IOB Connect
IOB CONNECT www.digital.iob.in Internal 38 Performance Analysis Q2/H1-FY26
Slide 39: Digital Outreach
DIGITAL OUTREACH ATM/CDM INTERNET BANKING REGISTERED USERS (NO OF OUTLETS) (IN LAKHS) 37.11 3567 35.77 34.18 3501 3503 3497 32.90 3461 31.45 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 MOBILE BANKING REGISTERED USERS UPI REGISTERED USERS (IN LAKHS) (IN LAKHS) 139.98 128.53
Slide 40: Customer Touch Point Pan India
CUSTOMER TOUCH POINT PAN INDIA Domestic Presence Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Branches 3269 3322 3335 3345 3373 ATM/CR 3501 3503 3497 3461 3567 BC 8023 9041 10135 10872 11467 SEP-25 BRANCHES Rural, 934, Metro, 720, 28% 21% Semi Urban, Urban, 691, 1028, 30% 21% 40 Performance Analysis Q2/H1-FY2
Slide 41: Foreign Outreach
FOREIGN OUTREACH HONG KONG BANGKOK BRANCH BRANCH SINGAPORE COLOMBO BRANCH BRANCH 41 Performance Analysis Q2/H1-FY26
Slide 42: Share Holding Pattern as on 30.09.2025
SHARESHARE HOLDING HOLDING PATTERN PATTERN AS ON 30.09.2025 Category of Shareholder % share Government of Government of India 94.61% India, 94.61% FI/Banks 0.34% Foreign Portfolio Investor (Corporate) 0.31% Mutual Funds 0.12% Insurance Companies 1.84% Bodies Corporate 0.16% Individual 2.29% ESOP/ESO
Slide 43: 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
Slide 44: Assets & Liabilities
ASSETS & LIABILITIES (Rs. In Lakhs) Balance Sheet as at 30.09.2025 LIABILITIES Standalone Consolidated Particulars 30.09.2025 30.09.2024 30.09.2025 30.09.2024 Capital 1925659 1890241 1925659 1890241 Reserves and Surplus 1557905 956977 1497470 920231 Deposits 33906596 31065222 33906596 31076959 Borro
Slide 45: ESG Initiatives
ESG INITIATIVES ENVIRONMENTAL SOCIAL GOVERNANCE 45 Performance Analysis Q2/H1-FY26
Slide 46: ESG Initiatives
ESG INITIATIVES ENVIRONMENTAL SOCIAL GOVERNANCE 46 Performance Analysis Q2/H1-FY26
Slide 47: 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 47 Performance Analysis Q2/H1-FY26
Slide 48: 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 48 Performance Analysis Q2/H1-FY26
Slide 49: 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 49 Performance Analysis Q2/H1-FY26
Slide 50: ESG Initiatives
ESG INITIATIVES COMPLYING WITH ALL GUIDELINES ®ULATIONS ENVIRONMENTAL SOCIAL GOVERNANCE EFFECTIVE MONITORING CUSTOMER RIGHT POLICY EFFECTIVE CUSTOMER COMPLAINTS RESOLUTION 50 Performance Analysis Q2/H1-FY26
Slide 51: Accolades & Awards
ACCOLADES & AWARDS Our Managing Director and Chief Executive Officer, Shri Ajay Kumar Srivastava, receiving the Rajbhasha Kirti Award for the third consecutive year in the category of Official Language Implementation from the hands of Union Home and Cooperation Minister, Honorable Amit Shah ji 51 Pe
Slide 52: Accolades & Awards
ACCOLADES & AWARDS Under the dynamic leadership of our MD & CEO Shri Ajay Kumar Srivastava, Indian Overseas Bank has been honored with the prestigious SKOCH Awards under the BFSI Platinum category for IOB SMART(in house app) & Risk Management 52 Performance Analysis Q2/H1-FY26
Slide 53: Accolades & Awards
ACCOLADES & AWARDS 53 Performance Analysis Q2/H1-FY26
Slide 54: Events & Initiatives
EVENTS & INITIATIVES On the auspicious occasion of Hindi Diwas, the book *'Gyan Kshitiz par Hindi'* published by Indian Overseas Bank was released by the Union Home and Cooperation Minister, Honorable Amit Shah ji. Also present on the stage is - our Managing Director & Chief Executive Officer, Shri
Slide 55: Events & Initiatives
EVENTS & INITIATIVES Shri Ashish Madhaorao More, IAS, Joint Secretary, Department of Financial Services (DFS), along with Shri Ajay Kumar Srivastava, MD & CEO, IOB, along with the Executive Directors and the Chief Vigilance Officer (CVO) of the Bank chaired a review meeting at our Central Office whe
Slide 56: Events & Initiatives
EVENTS & INITIATIVES 56 Performance Analysis Q2/H1-FY26
Slide 57: Events & Initiatives
EVENTS & INITIATIVES IOB sanctioned ₹202.65 crore to 2,634 beneficiaries during the Mega SHG and Agri Credit Outreach held at Thanjavur, spanning five districts. MD & CEO Shri Ajay Kumar Srivastava emphasized IOB’s continued focus on empowering women and promoting sustainable rural growth 57 Perform
Slide 58: Events & Initiatives
EVENTS & INITIATIVES A special FI Saturation Camp was held at Poigaikaraipatti, Madurai with RBI Dy Governor Shri J. Swaminathan, District Collector Thiru K.J. Praveen Kumar, IAS, Shri Joydeep Dutta Roy, Executive Director IOB & other senior dignitaries 58 Performance Analysis Q2/H1-FY26
Slide 59: Events & Initiatives
EVENTS & INITIATIVES Indian Overseas Bank conducted a Mega SHG & Agriculture Credit Outreach Programme in Salem on 31.07.2025, where Shri Dhanaraj T, Executive Director, addressed the gathering and handed over sanction letters 59 Performance Analysis Q2/H1-FY26
Slide 60: Products & Services
PRODUCTS & SERVICES 60 Performance Analysis Q2/H1-FY26
Slide 61: Products & Services
PRODUCTS & SERVICES 61 Performance Analysis Q2/H1-FY26
Slide 62: 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 63: Official Social Media Handles of Indian Overseas Bank
Official Social Media Handles of Indian Overseas Bank YOUTUBE : 10,90,701 followers - https://www.youtube.com/@IOBIndia/ FACEBOOK : 4,94,208 followers - https://www.facebook.com/IOBIndia.in INSTAGRAM : 3,82,281 followers - https://www.instagram.com/iobindia/ X (TWITTER): 58,880 followers - https://x
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 — Q2 FY2026 Earnings Presentation on 6ix