Indian Overseas Bank · NSE:IOB
Indian Overseas Bank — Q2 FY2026-27 Earnings Presentation
52 slides from Indian Overseas Bank's earnings presentation, Oct 26, 2026
Slide 1: Performance Analysis
Performance Analysis For Quarter Ended/Half year ended 30TH September 2026 (26.10.2026)
Slide 2: Table of Content
Table of Content PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE 03 05 BUSINESS PERFORMANCE NPA MANAGEMENT 13 20 CAPITAL ADEQUACY FINANCIAL INCLUSION 23 25 CUSTOMER TOUCH POINT SHARE HOLDING PATTERN 26 27 ASSETS & LIABILITIES ESG INITIATIVES 28 34 ACCOLADES & AWARDS DIGITAL INITIATIVES 37 40 2
Slide 3: Performance Highlights: Profitability and Financial Indicators
PERFORMANCE HIGHLIGHTS (Rs. In Crores) PROFITABILITY Quarter Ended Q-O-Q Y-o-Y Parameters Sep-25 Jun-26 Sep-26 ( %) ( %) PROFITABILITY Net Profit 1226 1659 1912 15.25% 55.95% Operating Profit 2400 2693 3016 12.01% 25.67% Net Interest Income 3059 3688 3867 4.85% 26.41% Operating Income 4425 5848 5094
Slide 4: Performance Highlights: Business Growth and Asset Quality
PERFORMANCE HIGHLIGHTS (Rs. In Crores) BUSINESS GROWTH Quarter Ended Q-O-Q Y-O-Y Parameters Sep-25 Jun-26 Sep-26 ( %) ( %) CASA 137387 154415 165862 7.41% 20.73% BUSINESS GROWTH Savings Bank 111260 127262 131408 3.26% 18.11% Retail Term Deposits 171384 186882 193189 3.38% 12.72% Total Deposits 33906
Slide 5: Financial Performance
FINANCIAL PERFORMANCE (Rs. In Crores) Quarter Ending Half Year Ending Growth % Q-o-Q Y-o-Y Particulars H1 26-27 H1 H1 Sep 26 Sep 26 Sep-25 Jun-26 Sep-26 OVER 25-26 26-27 Over Over H1 25-26 Jun 26 Sep 25 Interest Income 7849 8778 9201 15234 17979 4.82% 17.23% 18.02% Interest Expenses 4790 5090 5334 9
Slide 6: Total Income
TOTAL INCOME (Rs. In Crores) Quarter Ending Half Year Ending Growth % Q-o-Q Y-o-Y Particulars H1 26-27 H1 H1 Sep 26 Sep 26 Sep-25 Jun-26 Sep-26 OVER 25-26 26-27 Over Over H1 25-26 Jun 26 Sep 25 Interest on Loans 5920 6662 7083 11429 13746 6.32% 19.65% 20.27% Interest on Investment 1872 1978 2053 370
Slide 7: Fee Based Income
FEE BASED INCOME (Rs. In Crores) Quarter Ending Half Year Ending Growth % Q-o-Q Y-o-Y Particulars H1 26-27 H1 H1 Sep 26 Sep 26 Sep-25 Jun-26 Sep-26 OVER 25-26 26-27 Over Over H1 25-26 Jun 26 Sep 25 A.Exchange & Commission 115 90 94 236 184 4.44% -18.26% -22.03% B.Income from Non Fund 72 83 72 132 15
Slide 8: Total Expenses
TOTAL EXPENSES (Rs. In Crores) Quarter Ending Half Year Ending Growth % Particulars Q-o-Q Y-o-Y H1 26-27 H1 H1 Sep 26 Sep 26 Sep-25 Jun-26 Sep-26 OVER 25-26 26-27 Over Over H1 25-26 Jun 26 Sep 25 Interest on Deposits 4117 4336 4672 8123 9008 7.75% 13.48% 10.89% Interest on Borrowings 672 754 662 130
Slide 9: Profit Parameter
PROFIT PARAMETER (Rs. In Crores) Quarter Ending Half Year Ending Growth % Q-o-Q Y-o-Y Particulars H1 26-27 H1 H1 Sep 26 Sep 26 Sep-25 Jun-26 Sep-26 OVER 25-26 26-27 Over Over H1 25-26 Jun 26 Sep 25 Operating Profit 2400 2693 3016 4758 5710 11.99% 25.67% 20.01% Provisions 673 834 950 1517 1784 13.91%
Slide 10: Performance Ratios
PERFORMANCE RATIOS NET INTEREST MARGIN % (DOMESTIC) NET INTEREST MARGIN % (GLOBAL) 3.32 3.37 3.37 3.49 3.48 3.25 3.42 3.21 3.35 3.35 H1 25-26 H1 26-27 H1 25-26 H1 26-27 3.26 3.48 3.12 3.37 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 RETURN ON ASSETS % RETURN ON EQUITY % 24.
Slide 11: Performance Ratios
PERFORMANCE RATIOS COST OF DEPOSITS(%) COST OF FUNDS(%) 5.05 5.16 4.92 5.07 4.79 4.77 4.90 4.70 4.85 4.88 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 YIELD ON ADVANCES % (DOMESTIC) YIELD ON ADVANCES % (GLOBAL) 8.94 9.19 8.83 8.80 9.03 8.71 8.97 8.89 8.82 8.61 SEP 25 DEC 25
Slide 12: Performance Ratios
PERFORMANCE RATIOS YIELD ON INVESTMENT % YIELD ON FUNDS(%) 6.88 8.19 8.19 6.79 6.69 6.67 6.62 8.00 7.93 8.01 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 COST TO INCOME % CREDIT COST % 53.95 0.44 45.76 45.74 44.02 0.30 40.78 0.18 0.17 0.14 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26
Slide 13: Business Performance-Global
BUSINESS PERFORMANCE-GLOBAL (Rs. In Crores) Q-o-Q variation Y-o-Y variation Particulars Sep-25 Jun-26 Sep-26 Amount % Amount % Savings Bank 111260 127262 131408 4146 3.26% 20148 18.11% Current Deposits 26127 27153 34454 7301 26.89% 8327 31.87% CASA 137387 154415 165862 11447 7.41% 28475 20.73% Retai
Slide 14: Advances
ADVANCES (Rs. In Crores) Q-o-Q variation Y-o-Y variation Parameters Sep-25 Jun-26 Sep-26 Amount % Amount % Retail 78765 96637 105364 8727 9.03% 26599 33.77% Agri 83023 112403 122305 9902 8.81% 39282 47.31% MSME 48494 52554 55186 2632 5.01% 6692 13.80% Total (RAM) 210282 261594 282855 21261 8.13% 725
Slide 15: Retail Advances
RETAIL ADVANCES (Rs. In Crores) Y-O-Y % Share to Total Retail Advances 33.77% Domestic Retail GROWTH% Period Domestic Advances Advances Advances 105364 91086 96637 83838 Sep-25 260416 78765 30.25% 78765 Dec-25 278605 83838 30.09% Mar-26 294405 91086 30.94% Jun-26 305999 96637 31.58% Sep-25 Dec-25 Ma
Slide 16: Agriculture Advances
AGRICULTURE ADVANCES (Rs. In Crores) Domestic % Share to Domestic Period Agri Advances Advances Advances Sep-25 260416 83023 31.88% Dec-25 278605 92996 33.38% Mar-26 294405 103821 35.26% Jun-26 305999 112403 36.73% Sep-26 323228 122305 37.84% Agri Advances Y-O-Y 47.31% GROWTH% 122305 112403 103821 9
Slide 17: MSME Advances
MSME ADVANCES (Rs. In Crores) % Share to Domestic Period Domestic Advances MSME Advances Advances Sep-25 260416 48494 18.62% Dec-25 278605 50635 18.17% Mar-26 294405 50107 17.02% Jun-26 305999 52554 17.17% Sep-26 323228 55186 17.07% Y-O-Y Y-O-Y MSME Advances GROWTH% 13.80% CORE MSME GROWTH% 23.17% 5
Slide 18: Investment
INVESTMENT (Rs. In Crores) Parameters Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Domestic Investments 112477 112229 115730 118617 120907 SLR 85240 84734 88552 91550 93609 Non SLR 27236 27495 27178 27067 27298 Held to Maturity 90128 88364 93019 95456 94376 Available for Sale 18030 19313 18449 20037 23281 Hel
Slide 19: Valuations
VALUATIONS Particulars Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 * Return on Equity (%) 19.95 20.98 21.94 22.69 24.58 * Basic & Diluted Earning per Share 0.64 0.71 0.78 0.86 0.99 * Price Earning Ratio 61.78 50.89 40.23 39.64 31.27 Book value per share (in Rs) 13.13 13.90 14.60 15.79 16.53 Price/Book value
Slide 20: NPA Management
NPA MANAGEMENT (Rs. In Crores) Details Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 i) Opening Gross NPAs 5178 5078 4530 4410 4292 a. Cash Recoveries 212 144 254 106 159 b. Upgradation 94 46 39 35 60 c. Write-Offs 108 601 242 174 190 d. Sale to ARCs 32 47 64 0 13 ii) Total Reductions (a+b+c+d+e) 446 838 600 3
Slide 21: NPA Management
NPA MANAGEMENT GNPA(%) NNPA(%) 0.28% 0.24% 1.83% 0.21% 0.18% 1.54% 1.42% 0.16% 1.33% 1.19% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 PCR(%) SLIPPAGE RATIO 97.48% 97.49% 97.50% 97.67% 97.69% 0.13% 84.71% 84.37% 85.54% 86.79% 0.11% 0.11% 86.29% 0.06% 0.07% Sep-25 Dec-25 Mar
Slide 22: Sector-wise Credit Deployment & NPA
SECTOR-WISE CREDIT DEPLOYMENT & NPA (Rs. In Crores) Sep-25 Jun-26 Sep-26 Segmental NPAs ADV NPA Ratio % ADV NPA Ratio % ADV NPA Ratio % Retail 78765 839 1.07% 96637 511 0.53% 105364 377 0.36% Agri 83023 1539 1.85% 112403 1095 0.97% 122305 1085 0.89% MSME 48494 1149 2.37% 52554 1176 2.24% 55186 1179
Slide 23: Capital Adequacy
CAPITAL ADEQUACY (Rs. In Crores) Particulars Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Market Risk RWA 2781 2773 2185 1907 2301 Operational Risk RWA 22587 22587 22587 26365 26365 Credit Risk RWA 158915 177382 173159 185441 201557 Total RWA (A) 184284 202743 197932 213713 230222 CET 1 28625 28368 33524 3608
Slide 24: Movement of CRAR & RWAs
MOVEMENT OF CRAR & RWAs CRAR 19.78% 19.36% 17.94% 16.30% 18.60% SE P - 2 5 DEC - 2 5 MA R- 2 6 JUN - 2 6 SE P - 2 6 CREDIT RWA TO ADVANCE RATIO TOTAL RWA TO ADVANCE RATIO 60.13% 58.31% 57.17% 57.57% 68.73% 55.78% 66.30% 66.34% 63.76% 66.61% SE P - 2 5 DEC - 2 5 MA R- 2 6 JUN - 2 6 SE P - 2 6 SE P -
Slide 25: Financial Inclusion
FINANCIAL INCLUSION PMJDY Account (Number in Lakhs) PMJDY Account Balance(in Crs) 98.69 4761 3991 4200 96.25 3879 3887 94.57 93.37 91.55 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 PMJDY Account (Number in Lakhs) PMJDY Account Balance PMJDY Zero balance Acs ( No in Lakhs )
Slide 26: Customer Touch Point
CUSTOMER TOUCH POINT Presence Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Domestic 3373 3438 3494 3522 3542 Branches Overseas 4 4 4 4 4 Branches ATM/CR 3567 3622 3651 3691 3729 BC 11467 11959 12187 13401 15092 SEP-26 DOMESTIC BRANCHES Rural, 962, 27% Metro, 741, 21% Semi Urban, 1112, Urban, 727, 21% 31% 26
Slide 27: Share Holding Pattern as on 30.09.2026
SHARE HOLDING PATTERN AS ON 30.09.2026 Category of Shareholder % share Government of India 92.44% Government of India, 92.44% FI/Banks 0.22% Foreign Portfolio Investor 0.48% (Corporate) Mutual Funds 0.23% Insurance Companies 3.72% Bodies Corporate 0.08% Individual 2.50% ESOP/ESOS/ESPS 0.19% NRI 0.06
Slide 28: Assets & Liabilities
ASSETS & LIABILITIES (Rs. In Lakhs) Balance Sheet as at 30.09.2026 LIABILITIES Standalone Consolidated Particulars 30.09.2026 30.09.2025 30.09.2026 30.09.2025 Capital 1925659 1925659 1925659 1925659 Reserves and Surplus 2149776 1557905 2108039 1497470 Deposits 40742818 33906596 40742818 33906596 Bor
Slide 29: CASA & Deposits Growth in Last 5 Years
CASA & DEPOSITS GROWTH IN LAST 5 YEARS (Rs. In Crores) CASA (Rs. in Cr) RETAIL TERM DEPOSITS (Rs. in Cr) 183601 150936 136161 125508 155846 113877 114113 137234 141219 130303 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 TERM DEPOSITS (Rs. in Cr) TOTAL DEPOSITS (Rs. in Cr) 21
Slide 30: Advances Growth in Last 5 Years
ADVANCES GROWTH IN LAST 5 YEARS (Rs. In Crores) RETAIL ADVANCES AGRI ADVANCES 91086 103821 62764 74545 48514 55636 42400 43988 36961 38577 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MSME ADVANCES TOTAL ADVANCES 310423 50107 44310 41552 250019 34856 219018 29494 189009 1558
Slide 31: Retail Segment Loans Growth in Last 5 Years
RETAIL SEGMENT LOANS GROWTH IN LAST 5 YEARS (Rs. In Crores) Home Loans Vehicle Loans 34948 6984 31168 27621 5311 24116 4491 20483 3492 3751 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 Personal Loans Total Retail Portfolio 3353 91086 2714 2083 62764 1537 48514 42400 1095 369
Slide 32: Decreasing NPA Levels & Increase in PCR Over 5 Years
DECREASING NPA LEVELS & INCREASE IN PCR OVER 5 YEARS (Rs. In Crores) GROSS NPA (Rs. in Cr) GROSS NPA % NET NPA (Rs. in Cr) 3825 15299 14072 3266 9.82% 7.44% 6794 1217 5348 3.10% 912 4410 2.14% 1.42% 638 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25
Slide 33: Digital Outreach
DIGITAL OUTREACH ATM/CDM INTERNET BANKING REGISTERED USERS (NO OF OUTLETS) (IN LAKHS) 3729 42.06 3691 40.57 3651 3622 39.57 38.5 3567 37.11 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 MOBILE BANKING REGISTERED USERS UPI REGISTERED USERS (IN LAKHS) (IN LAKHS) 189.75 166.62 1
Slide 34: ESG Initiatives: Environmental
ESG INITIATIVES ENVIRONMENTAL (E) Financing IOB Renewable Solar Energy Projects Loans Digital IOB Green Banking Deposit IOB Harit IOB ECO Subhagruha Savings Account Focuses on reducing environmental impact and promoting sustainability. 34
Slide 35: ESG Initiatives: Social
ESG INITIATIVES SOCIAL (S) The Sakthi Financial IOB Chidambaram Literacy Centers Chettiar Memorial (Sneha) Trust Friendly Various IOB Work Credit Scheme Environment for Women Focuses on customers, employees, and society. 35
Slide 36: ESG Initiatives: Governance
ESG INITIATIVES GOVERNANCE (G) Effective Customer Right Monitoring Policy Effective Complying Customer with all Complaints Guidelines & Resolutions Regulations Focuses on ethical management, transparency, and compliance. 36
Slide 37: Accolades & Awards
ACCOLADES & AWARDS Our Managing Director and Chief Executive Officer, Mr. Ajay Kumar Srivastava, received the “Rajbhasha Kirti – First Prize” for the implementation of the Official Language for the fourth consecutive year, from the Honourable Union Minister of Home Affairs and Cooperation, Shri Amit
Slide 38: Accolades & Awards
ACCOLADES & AWARDS Our MD & CEO Shri Ajay Kumar Srivastava received the prestigious EASE 8.0 ‘Top Improver’ (#Rank 1) award on behalf of IOB, alongside Executive Directors Shri Joydeep Dutta Roy and Shri T. Dhanaraj, presented by Shri Sanjay Lohiya, I.A.S., Secretary, Department of Financial Service
Slide 39: Accolades & Awards
ACCOLADES & AWARDS Indian Overseas Bank has been conferred the prestigious Indian Overseas Bank has been conferred the prestigious SKOCH BFSI Award 2026 in the NPA Management SKOCH BFSI Award 2026 for its Robotic Process Automation category, recognising the Bank’s technology-enabled, (RPA) initiativ
Slide 40: Technology & Digital Initiatives
TECHNOLOGY & DIGITAL INITIATIVES Self-Service & Mobile-First Digital Solutions AI/ML & Robotic Process Automation Leveraging Digital Public Infrastructure 40
Slide 41: Customer Centric Innovations
CUSTOMER CENTRIC INNOVATIONS IOB Digital Fixed Deposit VCIP IOB BUDDY (FD) – NTB Customers • Instant digital account opening through hassle-free process by dedicated bank • Intelligent Customer assistant • 100% Digital FD Opening – No Officials Chatbot Branch Visit Required • Secure authentication u
Slide 42: Customer Centric Innovations
CUSTOMER CENTRIC INNOVATIONS WhatsApp Banking Mobile Banking Video Based life certificate • Secure real time channel for • 50 lac+ retail users • Submit Life Certificate from home accessing key banking services • ~15000 enrollments daily via Video Life Certificate via Mobile • ~3.5 daily logins • Se
Slide 43: Customer Centric Innovations
CUSTOMER CENTRIC INNOVATIONS IOB Digital Hub DEH Revamped QR Based Feedback (digital.iob.bank.in) Internet Banking • One stop digital platform for all • Instant Customer Feedback • Revamped Internet Banking banking needs through QR scan at • Bill Desk, PayU, BBPS, IOB Pay • Instant access to anytime
Slide 44: Customer Centric Innovations
CUSTOMER CENTRIC INNOVATIONS IOB Akshara PIN IOB Online Re-KYC RBIH – ULI (Smart & Secure PIN Generation) (Digital KYC Update) • One stop digital platform for all • Update KYC online without • Unified Lending Interface banking needs visiting branch • Amongst top 2 PSBs in number • Instant access to
Slide 45: IOB Digital FD Account
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Slide 46: IOB Buddy
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Slide 47: WhatsApp Banking
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Slide 49: Products & Services
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Slide 50: Products & Services
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Slide 51: 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 52: Thank You
Thank You 52
Indian Overseas Bank — Q2 FY2026-27 Earnings Presentation on 6ix