IOB Q2 FY27 net profit up 56%, gross NPA ratio improves to 1.19%

Pat Growth 25pctEbitda Margin ExpansionResults View source PDF Explain this filing

IOB · price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Price reactionminutes from the announcement price · days from the prior close

+5.2%Reaction day

₹28.94

prior close

₹29.76

announcement price

In-mkt

timing

Nifty Midcap 150market+1.1%+4.1% vs market

Public Sector Bank peers, median of 11sector+0.5%+4.7% vs sector

On the reaction day the stock moved 4.1 pts more than Nifty Midcap 150 and 4.7 pts more than its Public Sector Bank peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

+0.1

10m

+0.8

15m

+0.6

30m

+0.8

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

+5.2+1.1+4.1+0.5+4.7

Next day

+1.0+2.0-1.0+1.3-0.3

+0.3+2.3-2.0+0.4-0.1

+1.3+3.2-1.8+3.1-1.8

-0.4pendingpending+1.8-2.2

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15d

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UpDownMarket · Nifty Midcap 150Sector · Public Sector Bank peers, median of 11Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

IOB reported standalone net profit of Rs 1,912 crore for Q2 FY27, up 56% from Rs 1,226 crore a year ago; EPS Rs 0.66. Total income rose 13% to Rs 10,428 crore and operating margin improved to 28.93% from 26.05%. Half-year profit rose 53% to Rs 3,572 crore. Gross NPA fell to 1.19% from 1.83% and net NPA to 0.16%; capital adequacy was 18.60%.

Likely market impact

Strong profit growth and lower bad loans support sentiment, but provisions rose 41% year on year and margins remain thin.