Indian Overseas Bank announced Q1FY26 results Net Profit increased by Rs 478 crore to Rs 1,111 crore as on 30.06.2025, as compared to Rs 6,33 crore as on 30.06.2024, registering growth of 75.57% on YoY basis. Operating Profit increased by Rs 682 crore to Rs 2,358 crore as on 30.06.2025, as compared to Rs 1,676 crore as on 30.06.2024, registering growth of 40.70% on YoY basis. Net Interest Income (NII) increased by Rs 305 crore to Rs 2,746 crore as on 30.06.2025, as compared to Rs 2,441 crore as on 30.06.2024, registering growth of 12.50 % on YoY basis. Cost to Income Ratio improved by 754 bps to 44.22 % as on 30.06.2025, as compared to 51.76 % as on 30.06.2024. Return on Assets (ROA) increased by 44 bps to 1.14 % as on 30.06.2025, as compared to 0.70 % as on 30.06.2024. Return on Equity (ROE) increased by 490 bps to 19.00 % as on 30.06.2025, as compared to 14.10 % as on 30.06.2024 Net interest Margin (NIM)- Global stood at 3.04 % and Domestic NIM at 3.17 % as on 30.06.2025 Business Highlights: Total Business of the Bank, increased Rs 5,93,213 crore as on 30.06.2025 as against Rs 5,28,773 crore, registering growth of Rs 64,440 crore (12.19%) on YoY basis. The same is increased by 5.56 % on a QoQ sequential basis. Total Deposits increased by Rs 32,111 crore to Rs 3,30,792 crore as on 30.06.2025, as compared to Rs 2,98,681 crore as on 30.06.2024, registering growth of 10.75 % on YoY basis. The same is increased by 6.04 % on a QoQ sequential basis. Gross Advances increased by 32, 329 crore (14.05%) on YoY basis and stood at Rs 2,62,421 crore as on 30.06.2025 as against Rs 2,30,092 crore as on 30.06.2024. The same is increased by 4.96% on a QoQ sequential basis. CASA deposits increased to Rs 1,44,837 Crore as on 30.06.2025 from Rs 1,25,947 Crore as on 30.06.2024, reflecting YoY growth of 15.00% basis. The same is increased by 6.37 % on a QoQ sequential basis. CASA Ratio improved by 161 bps to 43.78 % as on 30.06.2025. The same is increased by 13 bps on a QoQ sequential basis. Credit to Deposit (CD) Ratio stood at 79.33% as on 30.06.2025. Asset Quality: Gross Non-Performing Assets (GNPA) ratio reduced to 1.97% as on 30.06.2025 against 2.89 % as on 30.06.2024 reduced by 92 bps. The same is reduced by 17 bps on a QoQ sequential basis. Net NPA ratio reduced to 0.32% as on 30.06.2025 against 0.51 % as on 30.06.2024 reduced by 19 bps. The same is reduced by 5 bps on a QoQ sequential basis. Provision Coverage ratio improved by 51 bps to 97.47 % as on 30.06.2025 as against 96.96 % as on 30.06.2024. Slippage ratio improved by 3 bps to 0.10 % as on 30.06.2025 as against 0.13 % as on 30.06.2024. Credit Cost stood at 0.29 % as on 30.06.2025. Recovery: Total Recovery for the quarter ended 30.06.2025 increased by Rs 269 crore to Rs 851crore from Rs 582 crore as on 30.06.2024. Recovery from the written off accounts (technical write off & set off) for the quarter ended 30.06.2025 increased by Rs 265 crore to Rs 629 from Rs 364 crore as on 30.06.2024. Capital Adequacy: BASEL III Capital Adequacy Ratio (CRAR) improved by 46 bps to 18.28% as on 30.06.2025, out of which CET1 is 15.78% and Tier-II is 2.50%. Result PDF