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 |
14-01-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
08-01-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Third 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 |
Unaudited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
14-01-2026
11:00:00 |
| End date and time of board meeting |
14-01-2026 12:15:00
|
| 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 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 |
| NIL |
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 |
01-10-2025 |
01-04-2025 |
| B |
Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| 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 |
6,12,794.00 |
17,49,303.00 |
|
Income on investments |
1,90,571.00 |
5,60,633.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
5,619.00 |
16,071.00 |
|
Others |
8,255.00 |
14,665.00 |
|
Total interest earned |
8,17,239.00 |
23,40,672.00 |
| 2 |
Other income |
1,49,919.00 |
4,34,556.00 |
| 3 |
Total income |
9,67,158.00 |
27,75,228.00 |
|
Expenses
|
| 4 |
Interest expenses |
4,87,385.00 |
14,30,279.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
1,34,440.00 |
3,68,288.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other operating expenses |
85,023.00 |
2,40,552.00 |
|
Total other operating Expenses |
85,023.00 |
2,40,552.00 |
|
Total Operating Expenses |
2,19,463.00 |
6,08,840.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 7,06,848.00 |
20,39,119.00 |
| 7 |
Operating profit before provision and contingencies |
2,60,310.00 |
7,36,109.00 |
| 8 |
Provisions other than tax and contingencies |
1,23,565.00 |
2,75,214.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 1,36,745.00 |
4,60,895.00 |
| 11 |
Provision for Tax |
233.00 |
90,636.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
1,36,512.00 |
3,70,259.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
1,36,512.00 |
3,70,259.00 |
| 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
| 1,36,512.00 |
3,70,259.00 |
|
| 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 |
92.4400 |
92.4400 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
16.300 |
16.300 |
|
| Additional Tier 1 ratio |
0 |
13.9900 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 0.71 |
1.92 |
|
Diluted earnings per share before extraordinary items
| 0.71 |
1.92 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 0.71 |
1.92 |
|
Diluted earnings per share after extraordinary items
| 0.71 |
1.92 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 4,52,989.00 |
4,52,989.00 |
|
Amount of net non-performing assets
| 70,792.00 |
70,792.00 |
|
% of gross NPAs |
1.5400 |
1.5400 |
|
% of net NPAs
| 0.2400 |
0.2400 |
|
Return on assets
| 1.2800 |
1.2800 |
| 21 |
Disclosure of notes on financial results by banks
| |
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 |
01-10-2025 |
01-04-2025 |
| Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| 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 |
2,30,850.00 |
6,79,844.00 |
| 2 |
Corporate/Wholesale Banking |
2,80,716.00 |
8,03,967.00 |
| 3 |
Retail Banking |
4,26,589.00 |
12,29,716.00 |
| 4 |
Other Banking Operations |
20,691.00 |
46,886.00 |
| 5 |
Unallocated |
8,312.00 |
14,815.00 |
|
| Total Segment Revenue
| 9,67,158.00 |
27,75,228.00 |
|
Less: Inter segment revenue |
0.00 |
0.00 |
|
Income from operations |
9,67,158.00 |
27,75,228.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
48,781.00 |
1,37,789.00 |
| 2 |
Corporate/Wholesale Banking |
1,76,015.00 |
2,94,109.00 |
| 3 |
Retail Banking |
14,539.00 |
2,66,081.00 |
| 4 |
Other Banking Operations |
12,861.00 |
24,400.00 |
| 5 |
Unallocated |
8,114.00 |
13,730.00 |
|
Total Profit before tax |
2,60,310.00 |
7,36,109.00 |
|
i. Finance cost |
1,23,565.00 |
2,75,215.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
0.00 |
0.00 |
|
Profit before tax |
1,36,745.00 |
4,60,894.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
1,25,53,001.00 |
1,25,53,001.00 |
| 2 |
Corporate/Wholesale Banking |
1,23,12,143.00 |
1,23,12,143.00 |
| 3 |
Retail Banking |
1,94,81,784.00 |
1,94,81,784.00 |
| 4 |
Other Banking Operations |
12,407.00 |
12,407.00 |
| 5 |
Unallocated |
4,52,363.00 |
4,52,363.00 |
|
Total Segment Assets |
4,48,11,698.00 |
4,48,11,698.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
4,48,11,698.00 |
4,48,11,698.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
1,06,33,007.00 |
1,06,33,007.00 |
| 2 |
Corporate/Wholesale Banking |
1,18,03,771.00 |
1,18,03,771.00 |
| 3 |
Retail Banking |
1,87,19,815.00 |
1,87,19,815.00 |
| 4 |
Other Banking Operations |
24,330.00 |
24,330.00 |
| 5 |
Unallocated |
5,387.00 |
5,387.00 |
| |
Total Segment Liabilities |
4,11,86,310.00 |
4,11,86,310.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
4,11,86,310.00 |
4,11,86,310.00 |
|
Disclosure of notes on segments |
|
Statement on Deviation or Variation for proceeds of Public Issue, Rights
Issue, Preferential Issue, Qualified Institutions Placement Etc. (1)
Amount in (Lakhs)
| Mode of Fund Raising |
Others |
| Description of mode of fund raising
(Applicable in case of others is selected) |
|
| Date of Raising Funds |
31-12-2025 |
| Amount Raised |
0.00 |
| Report filed for Quarter ended |
31-12-2025 |
| 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 |
false |
| Comments of the Audit Committee after review |
Nil |
| Comments of the auditors, if any |
Nil |
| 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 |
14-01-2026 |