IOB Consistently Shines Bright
FinTech BizNews Service
Mumbai, October 16, 2025: Indian Overseas Bank today announced its Q2, 2025-26 results.
Net Profit increased by Rs 449 crores to Rs 1,226 crores as on 30.09.2025, as
compared to Rs 777 crores as on 30.09.2024, registering growth of 57.79% on YoY
basis
Operating Profit increased by Rs 272 crores to Rs 2,400 crores as on 30.09.2025, as
compared to Rs 2,128 crores as on 30.09.2024, registering growth of 12.78% on YoY
basis
Net Interest Income (NII) increased by Rs 521 crores to Rs 3,059 crores as on
30.09.2025, as compared to Rs 2,538 crores as on 30.09.2024, registering growth of
20.53 % on YoY basis
Net interest Margin (NIM)- Domestic increased by 14 bps to 3.35 % as on
30.09.2025 as compared to 3.21 % as on 30.09.2024
Net interest Margin (NIM)- Global increased by 13 bps to 3.21 % as on 30.09.2025
as compared to 3.08 % as on 30.09.2024
Cost to Income Ratio reduced by 321 bps to 45.76 % as on 30.09.2025, as
compared to 48.97 % as on 30.09.2024
Return on Assets (ROA) increased by 38 bps to 1.20 % as on 30.09.2025, as
compared to 0.82 % as on 30.09.2024
Return on Equity (ROE) increased by 305 bps to 19.95 % as on 30.09.2025, as
compared to 16.90 % as on 30.09.2024
PROFITABILITY
(HALF YEAR ENDED 30.09.2025 OVER 30.09.2024)
Net Profit increased by Rs 927 crores to Rs 2,337 crores as on 30.09.2025, as
compared to Rs 1,410 crores as on 30.09.2024, registering growth of 65.74% on YoY
basis
Operating Profit increased by Rs 954 crores to Rs 4,758 crores as on 30.09.2025, as
compared to Rs 3,804 crores as on 30.09.2024, registering growth of 25.08% on YoY
basis
Net Interest Income (NII) increased by Rs 826 crores to Rs 5,805 crores as on
30.09.2025, as compared to Rs 4,979 crores as on 30.09.2024, registering growth of
16.59 % on YoY basis
Net interest Margin (NIM)- Domestic increased by 6 bps to 3.26 % as on 30.09.2025
as compared to 3.20 % as on 30.09.2024
Net interest Margin (NIM)- Global increased by 6 bps to 3.12 % as on 30.09.2025 as
compared to 3.06 % as on 30.09.2024
Cost to Income Ratio reduced by 523 bps to 45.01 % as on 30.09.2025, as
compared to 50.24 % as on 30.09.2024
Return on Assets (ROA) increased by 41 bps to 1.17 % as on 30.09.2025, as
compared to 0.76 % as on 30.09.2024
Return on Equity (ROE) increased by 417 bps to 19.40 % as on 30.09.2025, as
compared to 15.23 % as on 30.09.2024
Total Business of the Bank increased by Rs 76,233 crores to Rs 6,17,034 crores as on
30.09.2025, as compared to Rs 5,40,801 crores as on 30.09.2024, registering growth of
14.10 % on YoY basis. The same is increased by 4.02 % on a Q-o-Q sequential basis
Total Deposits increased by Rs 28,414 crores to Rs 3,39,066 crores as on 30.09.2025,
as compared to Rs 3,10,652 crores as on 30.09.2024, registering growth of 9.15 % on
YoY basis. The same is increased by 2.50 % on a Q-o-Q sequential basis
Gross Advances increased by Rs 47,819 crores to Rs 2,77,968 crores as on
30.09.2025, as compared to Rs 2,30,149 crores as on 30.09.2024, registering growth of
20.78 % on YoY basis. The same is increased by 5.92 % on a Q-o-Q sequential basis
CASA increased by Rs 5,531 crores to Rs 1,37,387 crores as on 30.09.2025, as
compared to Rs 1,31,856 crores as on 30.09.2024, registering growth of 4.19 % on YoY
basis.
CASA Ratio stood at 40.52 % as on 30.09.2025.
Credit to Deposit (CD) Ratio stood at 81.98% as on 30.09.2025
Gross Non-Performing Assets (GNPA) ratio reduced by 89 bps to 1.83% as on
30.09.2025 against 2.72 % as on 30.09.2024. The same is reduced by 14 bps on a Q-
o-Q sequential basis.
Net NPA ratio reduced by 19 bps to 0.28% as on 30.09.2025 against 0.47 % as on
30.09.2024. The same is reduced by 4 bps on a Q-o-Q sequential basis.
Provision Coverage ratio increased by 42 bps to 97.48 % as on 30.09.2025 as
against 97.06 % as on 30.09.2024.
Slippage ratio maintained at 0.11 % as on 30.09.2025
Credit Cost stood at 0.18 % as on 30.09.2025
RECOVERY
Total Recovery for the quarter ended 30.09.2025 increased to Rs874 from Rs851 Crore
as on 30.06.2025
Recovery from the written off accounts (technical write off & set off) for the
quarter ended 30.09.2025 stood at Rs461 Crore
CAPITAL ADEQUACY
BASEL III Capital Adequacy Ratio (CRAR) increased by 49 bps to 17.94% as on
30.09.2025, out of which CET1 is 15.53% and Tier-II is 2.41%.
CUSTOMER TOUCH POINT PAN INDIA
Number of Domestic Branches expanded by 104 to 3,373 as on 30.09.2025 from
3,269 branches as on 30.09.2024
Out of the total 3,373 domestic branches, Bank has 1962 (58%) branches in rural &
semi-urban areas.
Number of ATM/CR expanded by 66 to 3,567 as on 30.09.2025 from 3,501 branches
as on 30.09.2024
Number of Business Correspondent increased by 3,444 to 11,467 as on 30.09.2025
from 8,023 branches as on 30.09.2024
Total Customer Touch points stood at 18,407 as on 30.09.2025
