Indian Overseas Bank has informed the Exchange about Investor Presentation
IOB · price
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Indian Overseas Bank reported strong FY 2025-26 results with net profit up 56% to ₹5,208 crore, driven by 24% growth in advances to ₹3.10 lakh crore and 18% deposit growth to ₹3.68 lakh crore. Net Interest Income rose 15.5% to ₹12,574 crore. Asset quality improved significantly with Gross NPA falling 17.5% to ₹4,410 crore and Net NPA down 30% to ₹638 crore. GNPA ratio declined to 1.42% from 2.14%, while Provision Coverage Ratio strengthened to 97.50%. Capital adequacy improved with CRAR at 19.78% and CET-1 at 16.94%. ROE improved sharply to 20.42% from 16.28%, and ROA rose to 1.23% from 0.92%. RAM segments (Retail, Agriculture, MSME) now constitute 79% of domestic advances. Net Interest Margin slightly compressed by 4 basis points to 3.21%.
The bank delivered exceptional profit growth with improving asset quality and strong capital buffers, making it attractive for investors. The 56% jump in net profit and 20%+ ROE signals strong operational efficiency. However, slight NIM compression warrants monitoring.