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 Consolidated
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


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 Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 55091000000 55091000000
Income on investments 18288400000 18288400000
Interest on balances with reserve bank of India and other inter bank funds 495500000 495500000
Others 0 0
Total interest earned 73874900000 73874900000
2 Other income 14803900000 14803900000
3 Total income 88678800000 88678800000
Expenses
4 Interest expenses 46393000000 46393000000
5 Operating expenses
(i) Employees cost 11668000000 11668000000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expenses 7031800000 7031800000
Total other operating Expenses 7031800000 7031800000
Total Operating Expenses 18699800000 18699800000
6 Total expenditure excluding provisions and contingencies 65092800000 65092800000
7 Operating profit before provision and contingencies 23586000000 23586000000
8 Provisions other than tax and contingencies 8440500000 8440500000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 15145500000 15145500000
11 Provision for Tax 4028600000 4028600000
12 Net profit (loss) from ordinary activities after tax 11116900000 11116900000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 11116900000 11116900000
15 Share of profit (loss) of associates 667600000 667600000
16 Profit (loss) of minority interest 0 0
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 11784500000 11784500000
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 2.5 2.5
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 0.61 0.61
Diluted earnings per share before extraordinary items 0.61 0.61
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 0.61 0.61
Diluted earnings per share after extraordinary items 0.61 0.61
(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 Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 23280800000 23280800000
2 Corporate Wholesale Banking 28510800000 28510800000
3 Retail Banking 36264900000 36264900000
4 Other Banking Operations 1288800000 1288800000
5 Unallocated 1200000 1200000
Total Segment Revenue 89346500000 89346500000
Less: Inter segment revenue 0
Income from operations 89346500000 89346500000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 5372000000 5372000000
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 24253600000 24253600000
i. Finance cost 8440500000
ii. Other Unallocable Expenditure net off Unallocable income 0
Profit before tax 15813100000 15813100000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 1241221600000 1241221600000
2 Corporate Wholesale Banking 1172711100000 1172711100000
3 Retail Banking 1660876200000 1660876200000
4 Other Banking Operations 1380700000 1380700000
5 Unallocated 58534100000 58534100000
6 Treasury Operations 1241221600000 1241221600000
7 Corporate Wholesale Banking 1172711100000 1172711100000
8 Retail Banking 1660876200000 1660876200000
9 Other Banking Operations 1380700000 1380700000
10 Unallocated 58534100000 58534100000
Total Segment Assets 4134723700000 4134723700000
Un-allocable Assets 0 0
Net Segment Assets 4134723700000 4134723700000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 1241221600000 1241221600000
2 Corporate Wholesale Banking 1172711100000 1172711100000
3 Retail Banking 1660876200000 1660876200000
4 Other Banking Operations 1380700000 1380700000
5 Unallocated 58534100000 58534100000
6 Treasury Operations 1241221600000 1241221600000
7 Corporate Wholesale Banking 1172711100000 1172711100000
8 Retail Banking 1660876200000 1660876200000
9 Other Banking Operations 1380700000 1380700000
10 Unallocated 58534100000 58534100000
Total Segment Liabilities 4134723700000 4134723700000
Un-allocable Liabilities 0 0
Net Segment Liabilities 4134723700000 4134723700000
Disclosure of notes on segments