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 |
01-04-2025 |
| Date of end of financial year |
31-03-2026 |
| Date of board meeting when results were approved |
16-10-2025 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
16-10-2025 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Second 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 |
Unaudited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
16-10-2025
11:00:00 |
| End date and time of board meeting |
16-10-2025 12:05:00
|
| Whether cash flow statement is applicable on company |
Yes |
| Type of cash flow statement |
Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification |
Not applicable |
Financial Results - Banking
Amount in (Lakhs)
| 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 |
01-07-2025 |
01-04-2025 |
| B |
Date of end of reporting period |
30-09-2025 |
30-09-2025 |
| 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 |
5,85,599.00 |
11,36,509.00 |
|
Income on investments |
1,87,182.00 |
3,70,066.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
5,897.00 |
10,852.00 |
|
Others |
6,411.00 |
6,411.00 |
|
Total interest earned |
7,85,089.00 |
15,23,838.00 |
| 2 |
Other income |
1,36,544.00 |
2,84,583.00 |
| 3 |
Total income |
9,21,633.00 |
18,08,421.00 |
|
Expenses
|
| 4 |
Interest expenses |
4,78,964.00 |
9,42,894.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
1,17,227.00 |
2,33,907.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other operating expenses |
85,290.00 |
1,55,608.00 |
|
Total other operating Expenses |
85,290.00 |
1,55,608.00 |
|
Total Operating Expenses |
2,02,517.00 |
3,89,515.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 6,81,481.00 |
13,32,409.00 |
| 7 |
Operating profit before provision and contingencies |
2,40,152.00 |
4,76,012.00 |
| 8 |
Provisions other than tax and contingencies |
67,246.00 |
1,51,651.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 1,72,906.00 |
3,24,361.00 |
| 11 |
Provision for Tax |
50,116.00 |
90,402.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
1,22,790.00 |
2,33,959.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
1,22,790.00 |
2,33,959.00 |
| 15 |
Share of profit (loss) of associates
| 3,092.00 |
9,768.00 |
| 16
| Profit (loss) of minority interest
| 0.00 |
0.00 |
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 1,25,882.00 |
2,43,727.00 |
|
| 18 |
Details of equity share capital [Abstract]
|
|
Paid-up equity share capital
| 19,25,659.00 |
19,25,659.00 |
|
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 |
0.00 |
0.00 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 0.65 |
1.27 |
|
Diluted earnings per share before extraordinary items
| 0.65 |
1.27 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 0.65 |
1.27 |
|
Diluted earnings per share after extraordinary items
| 0.65 |
1.27 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 5,07,827.00 |
5,07,827.00 |
|
Amount of net non-performing assets
| 77,639.00 |
77,639.00 |
|
% of gross NPAs |
1.83 |
1.83 |
|
% of net NPAs
| 0.28 |
0.28 |
|
Return on assets
| 1.20 |
1.20 |
| 21 |
Disclosure of notes on financial results by banks
| |
Statement of Asset and Liabilities
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy)
|
| Date of start of reporting period |
01-04-2025 |
| Date of end of reporting period |
30-09-2025 |
| Whether results are audited or unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
| 1 |
Capital and liabilities |
|
Capital |
19,25,659.00 |
|
Reserves and surplus |
14,97,470.00 |
|
Deposits |
3,39,06,597.00 |
|
Borrowings |
46,43,319.00 |
|
| Other liabilities and provisions |
12,15,249.00 |
|
Total Capital Liabilities |
4,31,88,294.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
20,25,714.00 |
|
| Balances with Banks and money at call and short notice
| 3,25,452.00 |
|
Investments |
1,15,95,290.00 |
|
Advances |
2,73,63,983.00 |
|
Fixed Assets |
49890300000 |
|
Other Assets |
13,78,952.00 |
|
Total Assets |
4,31,88,294.00 |
|
Disclosure of notes on assets and liabilities |
|
Text Block
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Amount in (Lakhs)
| 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 |
01-07-2025 |
01-04-2025 |
| Date of end of reporting period |
30-09-2025 |
30-09-2025 |
| 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 |
2,26,305.00 |
4,59,113.00 |
| 2 |
Corporate Wholesale Banking |
2,38,143.00 |
5,23,251.00 |
| 3 |
Retail Banking |
4,40,478.00 |
8,03,127.00 |
| 4 |
Other Banking Operations |
13,307.00 |
26,195.00 |
| 5 |
Unallocated |
6,491.00 |
6,503.00 |
|
| Total Segment Revenue
| 9,24,724.00 |
18,18,189.00 |
|
Less: Inter segment revenue |
|
|
|
Income from operations |
9,24,724.00 |
18,18,189.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
45,268.00 |
98,988.00 |
| 2 |
Corporate Wholesale Banking |
33,950.00 |
1,18,094.00 |
| 3 |
Retail Banking |
1,52,433.00 |
2,51,542.00 |
| 4 |
Other Banking Operations |
5,692.00 |
11,539.00 |
| 5 |
Unallocated |
5,900.00 |
5,616.00 |
|
Total Profit before tax |
2,43,243.00 |
4,85,779.00 |
|
i. Finance cost |
67,245.00 |
1,51,650.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
0.00 |
0.00 |
|
Profit before tax |
1,75,998.00 |
3,34,129.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
1,26,63,794.00 |
1,26,63,794.00 |
| 2 |
Corporate Wholesale Banking |
1,19,02,531.00 |
1,19,02,531.00 |
| 3 |
Retail Banking |
1,81,62,322.00 |
1,81,62,322.00 |
| 4 |
Other Banking Operations |
13,024.00 |
13,024.00 |
| 5 |
Unallocated |
4,46,623.00 |
4,46,623.00 |
|
Total Segment Assets |
4,31,88,294.00 |
4,31,88,294.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
4,31,88,294.00 |
4,31,88,294.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
1,26,63,794.00 |
1,26,63,794.00 |
| 2 |
Corporate Wholesale Banking |
1,19,02,531.00 |
1,19,02,531.00 |
| 3 |
Retail Banking |
1,81,62,322.00 |
1,81,62,322.00 |
| 4 |
Other Banking Operations |
13,024.00 |
13,024.00 |
| 5 |
Unallocated |
4,46,623.00 |
4,46,623.00 |
| |
Total Segment Liabilities |
4,31,88,294.00 |
4,31,88,294.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
4,31,88,294.00 |
4,31,88,294.00 |
|
Disclosure of notes on segments |
|
Cash Flow Statement, Indirect
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy) |
| A |
Date of start of reporting period |
01-04-2025 |
| B |
Date of end of reporting period |
30-09-2025 |
| C |
Whether results are audited or unaudited |
Unaudited |
| D |
Nature of report standalone or consolidated |
Consolidated |
| 1 |
Statement of cash flows |
|
Cash flows from used in operating activities |
|
Profit before extraordinary items and tax |
3,24,361.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
9,659.00 |
|
Adjustments for depreciation and amortisation expense |
22,566.00 |
|
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss
|
30,360.00
|
|
Adjustments for unrealised foreign exchange losses gains |
0.00 |
|
Adjustments for dividend income |
0.00 |
|
Adjustments for share-based payments |
0.00 |
|
Other adjustments for which cash effects are investing or financing cash flow |
1,31,966.00 |
|
Other adjustments to reconcile profit (loss) |
0.00 |
|
Other adjustments for non-cash items |
0.00 |
|
Share of profit and loss from partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Total adjustments to profit (loss) |
1,94,551.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
27,80,707.00 |
|
Adjustments for decrease (increase) in trade receivables |
(28,38,826.00) |
|
Adjustments for decrease (increase) in other current assets |
(7,02,855.00) |
|
Adjustments for increase (decrease) in trade payables |
4,20,553.00 |
|
Adjustments for increase (decrease) in other current liabilities |
1,66,857.00 |
|
Adjustments for provisions |
0.00 |
|
Total adjustments for working capital |
(1,73,564.00)
|
|
Total adjustments for reconcile profit (loss) |
20,987.00 |
|
Net cash flows from (used in) operations |
3,45,348.00 |
|
Dividends received |
0.00 |
|
Interest paid |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
(1,031.00) |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
3,46,379.00 |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
3,46,379.00 |
| 4 |
Cash flows from used in investing activities |
|
Cash flows from losing control of subsidiaries or other businesses |
0.00 |
|
Cash flows used in obtaining control of subsidiaries or other businesses |
0.00
|
|
Other cash receipts from sales of equity or debt instruments of other entities |
0.00 |
|
Other cash payments to acquire equity or debt instruments of other entities |
0.00
|
|
Other cash receipts from sales of interests in joint ventures |
0.00 |
|
Other cash payments to acquire interests in joint ventures |
0.00
|
|
Cash receipts from share of profits of partnership firm or association of persons or
limited liability partnerships |
0.00
|
|
Cash payment for investment in partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Proceeds from sales of tangible assets |
1,151.00 |
|
Purchase of tangible assets |
47,747.00 |
|
Proceeds from sales of intangible assets |
0.00 |
|
Purchase of intangible assets |
0.00 |
|
Cash advances and loans made to other parties |
0.00 |
|
Cash receipts from repayment of advances and loans made to other parties |
0.00
|
|
Cash payments for future contracts, forward contracts, option contracts and swap contracts
|
0.00 |
|
Cash receipts from future contracts, forward contracts, option contracts and swap
contracts |
0.00 |
|
Dividends received |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Proceeds from government grants |
0.00 |
|
Net cash flows from (used in) investing activities before extraordinary
items |
(46,596.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
(46,596.00) |
| 5 |
Cash flows from used in financing activities |
|
Proceeds from issuing shares |
0.00 |
|
Proceeds from issuing other equity instruments |
0.00 |
|
Proceeds from issuing debentures notes bonds etc |
0.00 |
|
Proceeds from borrowings |
0.00 |
|
Repayments of borrowings |
0.00 |
|
Dividends paid |
0.00 |
|
Interest paid |
4,540.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
(66,041.00) |
|
Net cash flows from (used in) financing activities before extraordinary
items |
(70,581.00)
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
(70,581.00)
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
2,29,202.00
|
| 6 |
Effect of exchange rate changes on cash and cash equivalents |
|
Effect of exchange rate changes on cash and cash equivalents |
0.00 |
|
Net increase (decrease) in cash and cash equivalents |
2,29,202.00
|
|
Cash and cash equivalents cash flow statement at beginning of period |
21,21,963.00 |
|
Cash and cash equivalents cash flow statement at end of period |
23,51,165.00 |