Indian Overseas Bank
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ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Other Retail Banking-Retail Banking: 44.8% • Corporate / Wholesale Banking: 29.4% • Treasury: 24.2%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Company has delivered good profit growth of 48.2% CAGR over last 5 years
- Comfortable capital adequacy - CAR of 16.9%
- Asset quality is healthy - gross NPA of just 1.4%
- Company has consistently been profitable over the last 5 years
- Strong provisioning - provision coverage ratio of 97.7%
- Latest quarter profit grew 49.3% YoY, showing strong momentum
CONS
- A large part of profit comes from other income (90.3% of PBT)
- Promoter holding has decreased over last 2 years: -3.9pp
- Though reporting repeated profits, the company pays out little dividend (0.0%)
- Growth is decelerating - 3Y profit CAGR (37.1%) trails the 5Y trend (48.2%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| SBIN | 1004.50 | 10.76 | 927215.54 | 1.73 | 24579.04 | 13.65 | 136240.49 | 8.36 | 12.16 | 52.34 |
| UNIONBANK | 180.80 | 6.69 | 138015.59 | 2.77 | 5368.17 | 29.77 | 27427.10 | 1.21 | 14.57 | 69.42 |
| PNB | 116.85 | 6.08 | 134295.04 | 2.57 | 5339.15 | 191.40 | 33589.17 | 3.12 | 13.26 | 75.40 |
| BANKBARODA | 238.00 | 6.78 | 123078.42 | 3.57 | 1572.59 | -53.08 | 35114.52 | 6.84 | 11.20 | 33.10 |
| INDIANB | 860.00 | 9.06 | 115838.90 | 2.12 | 3299.48 | 48.73 | 18095.14 | 11.11 | 16.28 | 67.14 |
| CANBK | 124.20 | 5.67 | 112657.49 | 3.38 | 4864.08 | 61.96 | 32957.16 | 4.55 | 14.46 | 68.47 |
| MAHABANK | 84.10 | 8.58 | 64685.98 | 2.62 | 2020.54 | 26.83 | 8034.65 | 13.90 | 16.53 | 68.61 |
| BANKINDIA | 142.00 | 5.49 | 64647.88 | 3.27 | 3138.46 | 77.92 | 20096.90 | 8.83 | 10.97 | 73.18 |
| IOB | 32.83 | 10.61 | 63219.38 | 0.00 | 1659.24 | 49.25 | 8777.57 | 18.82 | 11.31 | 54.56 |
| UCOBANK | 23.92 | 12.15 | 29994.63 | 1.84 | 652.43 | 24.09 | 6744.59 | 15.10 | 11.00 | 54.71 |
| CENTRALBK | 30.79 | 6.11 | 27869.26 | 3.90 | 1328.95 | 5.43 | 9725.90 | 12.79 | 8.27 | 67.83 |
| PSB | 22.59 | 11.58 | 16028.93 | 1.73 | 331.51 | 23.16 | 3213.37 | 10.40 | 9.07 | 71.38 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5,427 | 5,825 | 6,180 | 6,634 | 6,539 | 6,854 | 7,116 | 7,635 | 7,387 | 7,851 | 8,172 | 8,489 | 8,778 | |
| Interest Expended | 3,102 | 3,477 | 3,780 | 3,868 | 4,096 | 4,315 | 4,324 | 4,510 | 4,639 | 4,790 | 4,874 | 5,019 | 5,090 |
| Net Interest Income | 2,325 | 2,348 | 2,400 | 2,766 | 2,443 | 2,539 | 2,792 | 3,124 | 2,748 | 3,061 | 3,299 | 3,470 | 3,688 |
| 807 | 1,117 | 1,263 | 2,479 | 1,033 | 1,634 | 1,298 | 1,581 | 1,480 | 1,365 | 1,499 | 1,291 | 2,160 | |
| Total Income | 0 | 0 | 0 | 0 | 7,587 | 8,490 | 8,415 | 9,258 | 8,868 | 9,216 | 9,672 | 9,780 | 10,938 |
| Operating Expenses | 0 | 0 | 0 | 0 | 18,002 | 20,447 | 18,238 | 20,876 | 18,700 | 20,252 | 21,946 | 20,956 | 3,155 |
| Operating Profit | 0 | 0 | 0 | 0 | 16,917 | 21,307 | 22,676 | 26,596 | 23,586 | 24,015 | 26,031 | 26,650 | 2,693 |
| Provisions & Contingencies | 0 | 0 | 0 | 0 | 9,379 | 11,463 | 10,286 | 10,642 | 8,440 | 6,725 | 12,356 | 10,060 | 834 |
| Profit before Tax | 511 | 636 | 1,080 | 1,196 | 739 | 982 | 1,238 | 1,554 | 1,515 | 1,729 | 1,367 | 1,659 | 1,859 |
| Tax % | 1.38% | 1.31% | 32.97% | 32.24% | 14.24% | 20.85% | 29.39% | 32.40% | 26.60% | 28.98% | 0.17% | 9.26% | 10.75% |
| Net Profit | 0 | 0 | 0 | 0 | 649 | 780 | 875 | 1,092 | 1,112 | 1,228 | 1,365 | 1,505 | 1,659 |
| EPS | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 0 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 24,066 | 28,144 | 31,896 | — | |
| Interest Expended | 11,069 | 10,419 | 11,146 | 14,227 | 17,244 | 19,322 | 19,773 |
| Net Interest Income | -11,069 | -10,419 | -11,146 | 9,839 | 10,899 | 12,574 | — |
| 5,486 | 4,905 | 4,116 | 5,665 | 5,607 | 5,847 | 6,316 | |
| Total Income | 0 | 0 | 0 | 29,731 | 33,750 | 37,743 | 39,606 |
| 0 | 0 | 0 | 8,731 | 7,756 | 8,184 | — | |
| Operating Profit | -11,069 | -10,419 | -11,146 | 6,774 | 8,750 | 10,237 | — |
| 4,656 | 3,842 | 2,384 | 3,351 | 4,177 | 3,758 | — | |
| Profit before Tax | 767 | 1,779 | 2,582 | 3,423 | 4,573 | 6,478 | 6,615 |
| Tax % | 0.00% | 0.00% | 0.00% | 22.12% | 25.74% | 16.36% | 12.96% |
| Net Profit | 758 | 1,709 | 2,104 | 2,666 | 3,396 | 5,418 | 5,758 |
| EPS | 1 | 1 | 1 | 1 | 2 | 3 | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- 13%
- 3 Years:
- 18%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- 48%
- 3 Years:
- 37%
STOCK PRICE CAGR
- 10 Years:
- 2%
- 5 Years:
- 11%
- 3 Years:
- 1%
- 1 Year:
- -16%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 12%
- 3 Years:
- 14%
- Last Year:
- 17%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - |
| Equity Capital | 16,437 | 18,902 | 18,902 | 18,902 | 19,257 | 19,257 |
| 452 | 3,695 | 5,974 | 8,659 | 12,977 | 17,734 | |
| 2,40,353 | 2,62,214 | 2,60,974 | 2,86,121 | 3,11,204 | 3,68,191 | |
| 3,672 | 3,071 | 20,804 | 30,387 | 42,228 | 51,603 | |
| Other Liabilities & Provisions | 13,106 | 11,148 | 6,785 | 7,799 | 9,045 | 16,011 |
| Total Liabilities | 2,74,229 | 2,99,030 | 3,13,438 | 35 | 39 | 47 |
| ASSETS | - | - | - | - | - | - |
| 12,189 | 22,750 | 17,150 | 16,906 | 18,116 | 16,606 | |
| Balances with Banks & Money at Call | 18,793 | 14,202 | 3,671 | 1,909 | 3,104 | 8,617 |
| 95,485 | 97,641 | 93,643 | 99,194 | 1,10,588 | 1,19,285 | |
| 1,27,741 | 1,44,254 | 1,78,068 | 2,13,330 | 2,45,555 | 3,06,622 | |
| 2,918 | 3,366 | 3,711 | 3,726 | 4,581 | 5,007 | |
| 17,102 | 16,818 | 17,197 | 16,790 | 12,692 | 16,591 | |
| Total Assets | 2,74,229 | 2,99,030 | 3,13,438 | 35 | 39 | 47 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| 4,949 | 5,539 | -13,655 | -1,119 | 2,647 | 4,780 | |
| Cash from Investing | -46 | -49 | -560 | -359 | -579 | -639 |
| Cash from Financing | 1,813 | 479 | -1,916 | -528 | 337 | -138 |
| 6,716 | 5,969 | -16,130 | -2,006 | 2,405 | 4,003 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| PER SHARE | ||||||
| EPS (₹) | 0.46 | 0.90 | 1.11 | 1.41 | 1.76 | 2.81 |
| Book Value (₹) | 8.92 | 10.50 | 11.70 | 13.14 | 14.99 | 17.43 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PROFITABILITY | ||||||
| Net Interest Margin % | 0.00% | 0.00% | 0.00% | 2.97% | 2.89% | 2.79% |
| ROA % | 0.48% | 0.60% | 0.69% | 0.80% | 0.91% | 1.25% |
| ROE % | 9.36% | 9.90% | 10.03% | 11.35% | 12.65% | 17.36% |
| 0.00% | 0.00% | 0.00% | 56.31% | 46.99% | 44.43% | |
| ASSET QUALITY | ||||||
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 97.30% | 97.50% |
| Slippage Ratio % | — | — | — | — | — | — |
| BALANCE SHEET & LIQUIDITY | ||||||
| CASA % | 0.00% | 0.00% | 0.00% | 43.87% | 43.52% | 40.99% |
| Credit-Deposit Ratio % | 0.00% | 0.00% | 0.00% | 0.11% | 0.14% | 0.14% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |
| GROWTH & VALUATION | ||||||
| Net Profit Growth % | 81.87% | 125.39% | 23.09% | 26.70% | 27.38% | 59.58% |
| Book Value Growth % | 0.00% | 0.00% | 0.00% | 12.28% | 14.05% | 16.27% |
| P/E (x) | 0.00x | 0.00x | 0.00x | 42.53x | 22.10x | 11.16x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 4.56x | 2.60x | 1.80x |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-08-13 - Indian Overseas Bank has informed the Exchange about General Updates - Changes in MCLR w.e.f 15.08.2026
2026-07-31 - Indian Overseas Bank has informed the Exchange about Credit Rating
2026-07-24 - Indian Overseas Bank has informed the Exchange about Transcript of Analyst Meet held on 20.07.2026
2026-07-21 - Indian Overseas Bank has informed the Exchange about Copy of Newspaper Publication of financial results for the quarter ended 30.06.2026
2026-07-21 - Indian Overseas Bank has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
2026-07-20 - Indian Overseas Bank has informed the Exchange about Link of Recording
2026-07-20 - Indian Overseas Bank has informed the Exchange about Investor Presentation
2026-07-20 - Indian Overseas Bank has informed the Exchange regarding 'Security Cover Certificate' for the quarter ended 30.06.2026.
2026-07-20 - 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".
News
Recent coverage and analyst commentary for IOB
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