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Indian Overseas Bank engages in the provision of commercial banking services. The company is headquartered in Chennai, Tamil Nadu and currently employs 22,051 full-time employees. The company went IPO on 2000-09-25. The Bank's segments include Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank’s operations consist of domestic deposits; domestic advances; foreign exchange operations; investments; micro, small and medium enterprises, including MUDRA Loan Scheme; retail banking, including Arogya Mahila Savings Bank Accounts; Mid Corporate department; agricultural credit portfolio; loans to small and marginal farmers; loans to non-corporate farmers, and microfinance. Its personal banking services include saving bank, current account, term deposit, retail loans, and mortgages and depository services. The company offers merchant banking for issues, debenture trustee, dividend/interest warrant and others. The company also offers Internet and mobile banking services. Its overseas branches with operations in Singapore, Colombo, Hong kong and Bangkok.
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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹12,574 Cr on total income of ₹45,050 Cr.
Cost-to-income ratio at 44.9%. Provision coverage at 8.3% of income.
“ending the year with a growth of around 24% to 25%.”
“Bank has reached all time high quarterly net profit of INR 1365 crores with 56.18% year on year increase”
“second consecutive quarter, we have shown growth of net profit by more than 50%. For September, it was 57% and for 2018, 56%.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 14.6%▲ | 11.5% |
| Net Margin | 11.6%▼ | 12.1% |
| EBITDA Margin | 68.2%▲ | 67.3% |
| Debt To Equity | 9.95x▲ | 8.01x |
| Rev Growth 3yr | 16.9%▲ | 14.4% |
| EPS Growth 3yr | 36.3%▲ | 23.3% |
| NIM | 4.1%▼ | 390.0% |
| Cost To Income | 44.9% | - |
| Credit Deposit Ratio | 83.30x | 83.00x |
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|---|
| Interest on Advances | ₹23,935 Cr +18.6% | ₹20,183 Cr +14.8% | ₹17,577 Cr +33.6% | ₹13,151 Cr +23.3% | ₹10,666 Cr |
| Income on Investments | ₹7,518 Cr +6.8% | ₹7,042 Cr +18.3% | ₹5,952 Cr +1.7% | ₹5,850 Cr +3.1% | ₹5,676 Cr |
| ₹5,636 Cr +0.5% | ₹5,607 Cr -1.0% | ₹5,665 Cr +37.6% | ₹4,116 Cr -16.1% | ₹4,905 Cr | |
| Total Income | ₹37,536 Cr +11.2% | ₹33,750 Cr +13.5% | ₹29,731 Cr +26.4% | ₹23,523 Cr +8.7% | ₹21,641 Cr |
| Interest Expended | ₹19,322 Cr +12.0% | ₹17,244 Cr +21.2% | ₹14,227 Cr +27.6% | ₹11,146 Cr +7.0% | ₹10,419 Cr |
| Employee Cost | ₹4,689 Cr +0.4% | ₹4,669 Cr -24.0% | ₹6,143 Cr +49.7% | ₹4,102 Cr +17.6% | ₹3,489 Cr |
| Other Operating Expenses | ₹3,496 Cr +13.2% | ₹3,087 Cr +19.3% | ₹2,587 Cr +11.2% | ₹2,327 Cr +18.1% | ₹1,970 Cr |
| Provisions & Contingencies | ₹3,758 Cr -10.0% | ₹4,177 Cr +24.6% | ₹3,351 Cr -6.8% | ₹3,594 Cr -9.8% | ₹3,984 Cr |
| Total Expenditure | ₹27,507 Cr +10.0% | ₹25,001 Cr +8.9% | ₹22,957 Cr +30.6% | ₹17,576 Cr +10.7% | ₹15,878 Cr |
| Profit Before Tax | ₹6,270 Cr +37.1% | ₹4,573 Cr +33.6% | ₹3,423 Cr +45.4% | ₹2,353 Cr +32.3% | ₹1,779 Cr |
| Tax | ₹1,060 Cr -9.9% | ₹1,177 Cr +55.5% | ₹757 Cr +203.6% | ₹249 Cr +257.8% | ₹70 Cr |
| Net Profit | ₹5,210 Cr +53.4% | ₹3,396 Cr +27.4% | ₹2,666 Cr +26.7% | ₹2,104 Cr +23.1% | ₹1,709 Cr |
| Profit (Owners) | ₹5,421 Cr +59.6% | ₹3,396 Cr +27.4% | ₹2,666 Cr +26.7% | ₹2,104 Cr +23.1% | ₹1,709 Cr |
| EPS | ₹2.81 | ₹1.76 | ₹1.41 | ₹1.11 | ₹0.90 |
| Diluted Shares | ₹1,926 Cr | ₹1,926 Cr | ₹1,890 Cr | ₹1,890 Cr | ₹1,890 Cr |
| Other Interest | ₹147 Cr -80.0% | ₹735 Cr +145.4% | ₹300 Cr | ₹0.00 Cr -100.0% | ₹160 Cr |
| Non Performing Assets | ₹2,938 Cr +222.2% | ₹912 Cr -25.1% | ₹1,217 Cr | ₹0.00 Cr -100.0% | ₹3,825 Cr |
| Profit Loss Of Associates | ₹210 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Gross Non Performing Assets | ₹19,196 Cr +259.0% | ₹5,348 Cr -21.3% | ₹6,794 Cr | ₹0.00 Cr -100.0% | ₹15,299 Cr |
| Interest (RBI & Others) | ₹299 Cr +63.3% | ₹183 Cr -22.9% | ₹238 Cr -41.4% | ₹405 Cr +72.8% | ₹235 Cr |
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Indian Overseas Bank has informed the Exchange about Credit Rating
Indian Overseas Bank has informed the Exchange about Transcript of Analyst Meet held on 20.07.2026
Indian Overseas Bank has informed the Exchange about Copy of Newspaper Publication of financial results for the quarter ended 30.06.2026
Indian Overseas Bank has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Indian Overseas Bank has informed the Exchange about Link of Recording
Indian Overseas Bank has informed the Exchange about Investor Presentation
Indian Overseas Bank has informed the Exchange regarding 'Security Cover Certificate' for the quarter ended 30.06.2026.
Indian Overseas Bank has informed the Exchange regarding a press release dated July 20, 2026, titled "Press Release on Financial Results for the quarter ended 30.06.2026".
Indian Overseas Bank has informed the Exchange about statement of deviation(s) or variation(s) under Reg. 32
Indian Overseas Bank has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
Indian Overseas Bank has informed the Exchange about Schedule of meet
Indian Overseas Bank has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Indian Overseas Bank has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 07, 2026. Further, the company has informed the Exchange regarding voting results.
Indian Overseas Bank has informed the Exchange regarding Proceedings of Annual General Meeting held on July 07, 2026
Indian Overseas Bank has informed the Exchange about change in Management- Chief Compliance Officer