Conference Call with Indian Overseas Bank Management and Analysts on Q2FY26 Performance and Outlook. Listen to the full earnings transcript.
Indian Overseas Bank announced Q2FY26 results Net Profit up by 57.79% to Rs 1,226 crore. Operating profit increased by 12.78% to Rs 2,400 crore. Net Interest Income increased by 20.53% to Rs 3,059 crore. Net Interest Margin (NIM)-Domestic increased to 3.35%. Net Interest Margin (NIM)-Global increased to 3.21%. Cost to Income Ratio reduced by 321 bps to 45.76%. Return on Assets (ROA) increased by 38 bps to 1.20%. Return on Equity (RoE) increased by 305 bps at 19.95%. Total Business grew by 14.10% to Rs 6,17,034 crore. Total Deposits up by 9.15% to Rs 3,39,066 crore. CASA deposits increased by 4.19% to Rs 1,37,387 crore. CASA Ratio stood at 40.52% as on 30.09.2025. Gross Advances increased by 20.78% to Rs 2,77,968 crore. CD Ratio increased to 81.98% as on 30.09.2025. Gross NPA reduced by 89 bps to 1.83% as on 30.09.2025. Net NPA reduced by 19 bps to 0.28% as on 30.09.2025. Slippage ratio maintained at 0.11% as on 30.09.2025. Credit Cost stood at 0.18% as on 30.09.2025. Total Recovery during the quarter stood at Rs 874 crore. Provision Coverage Ratio increased by 42 bps to 97.48%. CRAR improved by 49 bps to 17.94% as on 30.09.2025. Result PDF