INTEGRATED FILING — BANKING



General information about company

Scrip code 532388
NSE Symbol IOB
MSEI Symbol NOTLISTED
ISIN INE565A01014
Name of bank Indian Overseas Bank
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 18-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 13-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 18-Jul-2025   10:00:00
End date and time of board meeting 18-Jul-2025   12:00:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? Yes
No. of times funds raised during the quarter 1
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
Not applicable


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 55091000000 55091000000
Income on investments 18288000000 18288000000
Interest on balances with reserve bank of India and other inter bank funds 476500000 476500000
Others 0 0
Total interest earned 73855500000 73855500000
2 Other income 14809200000 14809200000
3 Total income 88664700000 88664700000
Expenses
4 Interest expenses 46393000000 46393000000
5 Operating expenses
(i) Employees cost 11664800000 11664800000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expenses 7027400000 7027400000
Total other operating Expenses 7027400000 7027400000
Total Operating Expenses 18692200000 18692200000
6 Total expenditure excluding provisions and contingencies 65085200000 65085200000
7 Operating profit before provision and contingencies 23579500000 23579500000
8 Provisions other than tax and contingencies 8440500000 8440500000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 15139000000 15139000000
11 Provision for Tax 4028600000 4028600000
12 Net profit (loss) from ordinary activities after tax 11110400000 11110400000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 11110400000 11110400000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 11110400000 11110400000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 192565897000 192565897000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 94.61 94.61
(ii) Capital adequacy ratio
CET 1 ratio 15.78 15.78
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 0.58 0.58
Diluted earnings per share before extraordinary items 0.58 0.58
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 0.58 0.58
Diluted earnings per share after extraordinary items 0.58 0.58
(iv) NPA Ratios
Amount of gross non-performing assets 51784600000 51784600000
Amount of net non-performing assets 8163800000 8163800000
% of gross NPAs 1.97 1.97
% of net NPAs 0.32 0.32
Return on assets 1.14 1.14
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 22599000000 22599000000
2 Corporate Wholesale Banking 28510800000 28510800000
3 Retail Banking 36264900000 36264900000
4 Other Banking Operations 1288800000 1288800000
5 Unallocated 1200000 1200000
Total Segment Revenue 88664700000 88664700000
Less: Inter segment revenue
Income from operations 88664700000 88664700000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 4698000000 4698000000
2 Corporate Wholesale Banking 8414400000 8414400000
3 Retail Banking 9910900000 9910900000
4 Other Banking Operations 584700000 584700000
5 Unallocated -28400000 -28400000
Total Profit before tax 23579600000 23579600000
i. Finance cost 8440500000
ii. Other Unallocable Expenditure net off Unallocable income 0
Profit before tax 15139100000 15139100000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 1247631900000 1247631900000
2 Corporate Wholesale Banking 1172711100000 1172711100000
3 Retail Banking 1660876200000 1660876200000
4 Other Banking Operations 1380700000 1380700000
5 Unallocated 58534100000 58534100000
6 Treasury Operations 1247631900000 1247631900000
7 Corporate Wholesale Banking 1172711100000 1172711100000
8 Retail Banking 1660876200000 1660876200000
9 Other Banking Operations 1380700000 1380700000
10 Unallocated 58534100000 58534100000
Total Segment Assets 4141134000000 4141134000000
Un-allocable Assets 0 0
Net Segment Assets 4141134000000 4141134000000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 1247631900000 1247631900000
2 Corporate Wholesale Banking 1172711100000 1172711100000
3 Retail Banking 1660876200000 1660876200000
4 Other Banking Operations 1380700000 1380700000
5 Unallocated 58534100000 58534100000
6 Treasury Operations 1247631900000 1247631900000
7 Corporate Wholesale Banking 1172711100000 1172711100000
8 Retail Banking 1660876200000 1660876200000
9 Other Banking Operations 1380700000 1380700000
10 Unallocated 58534100000 58534100000
Total Segment Liabilities 4141134000000 4141134000000
Un-allocable Liabilities 0 0
Net Segment Liabilities 4141134000000 4141134000000
Disclosure of notes on segments






Statement on Deviation or Variation for proceeds of Public Issue, Rights Issue, Preferential Issue, Qualified Institutions Placement Etc. (1)
Mode of Fund Raising Others
Description of mode of fund raising (Applicable in case of others is selected)
Date of Raising Funds 18-Jul-2025
Amount Raised 0
Report filed for Quarter ended 30-Jun-2025
Monitoring Agency Not Applicable
Monitoring Agency Name, if applicable
Is there a Deviation / Variation in use of funds raised No
If yes, whether the same is pursuant to change in terms of a contract or objects, which was approved by the shareholders
If Yes, Date of shareholder Approval
Explanation for the Deviation / Variation
Comments of the Audit Committee after review
Comments of the auditors, if any
Sr. Original Object Modified Object, if any Original Allocation Modified allocation, if any Funds Utilised Amount of Deviation/Variation for the quarter according to applicable object Remarks if any


Signatory Details
Name of signatory RAM MOHAN K
Designation of person Compliance Officer
Place CHENNAI
Date 18-Jul-2025