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 |
29-04-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
23-04-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Fourth quarter |
| Nature of report standalone or consolidated |
Consolidated |
| Whether results are audited or unaudited |
Audited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended |
Audited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
29-04-2026
11:00:00 |
| End date and time of board meeting |
29-04-2026 12:35:00
|
| 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 |
Declaration of unmodified opinion |
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 |
01-01-2026 |
01-04-2025 |
| B |
Date of end of reporting period |
31-03-2026 |
31-03-2026 |
| C |
Whether results are audited or unaudited |
Audited |
Audited |
| D |
Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Interest earned
|
|
Interest or discount on advances or bills |
6,44,231.00 |
23,93,534.00 |
|
Income on investments |
1,91,203.00 |
7,51,835.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
13,462.00 |
29,533.00 |
|
Others |
0.00 |
14,666.00 |
|
Total interest earned |
8,48,896.00 |
31,89,568.00 |
| 2 |
Other income |
1,29,091.00 |
5,63,647.00 |
| 3 |
Total income |
9,77,987.00 |
37,53,215.00 |
|
Expenses
|
| 4 |
Interest expenses |
5,01,925.00 |
19,32,204.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
1,00,589.00 |
4,68,877.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other operating expenses |
1,08,968.00 |
3,49,521.00 |
|
Total other operating Expenses |
1,08,968.00 |
3,49,521.00 |
|
Total Operating Expenses |
2,09,557.00 |
8,18,398.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 7,11,482.00 |
27,50,602.00 |
| 7 |
Operating profit before provision and contingencies |
2,66,505.00 |
10,02,613.00 |
| 8 |
Provisions other than tax and contingencies |
1,00,596.00 |
3,75,810.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 1,65,909.00 |
6,26,803.00 |
| 11 |
Provision for Tax |
15,364.00 |
1,06,000.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
1,50,545.00 |
5,20,803.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
1,50,545.00 |
5,20,803.00 |
| 15 |
Share of profit (loss) of associates
| 5,070.00 |
21,043.00 |
| 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
| 1,55,615.00 |
5,41,846.00 |
|
| 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
| 1430019 |
1430019 |
| 19 |
Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) |
|
14,30,019.00 |
|
| 20 |
Analytical ratios |
| (i)
| Percentage of share held by government of India |
92.4400 |
92.4400 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
16.9400 |
16.9400 |
|
| Additional Tier 1 ratio |
0 |
0 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 16.94 |
16.94 |
|
Diluted earnings per share before extraordinary items
| 0 |
0 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 0.81 |
2.81 |
|
Diluted earnings per share after extraordinary items
| 0.81 |
2.81 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 4,40,966.00 |
4,40,966.00 |
|
Amount of net non-performing assets
| 63,777.00 |
63,777.00 |
|
% of gross NPAs |
1.4200 |
1.4200 |
|
% of net NPAs
| 0.2100 |
0.2100 |
|
Return on assets
| 1.3200 |
1.3200 |
| 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 |
31-03-2026 |
| Whether results are audited or unaudited |
Audited |
| Nature of report standalone or consolidated |
Consolidated |
| 1 |
Capital and liabilities |
|
Capital |
19,25,659.00 |
|
Reserves and surplus |
17,73,408.00 |
|
Deposits |
3,68,19,126.00 |
|
Borrowings |
51,60,257.00 |
|
Other liabilities and provisions |
|
| 1 |
Other liabilities and provisions |
16,01,070.00 |
|
Total of Other liabilities and provisions |
16,01,070.00 |
|
Total Capital Liabilities |
4,72,79,520.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
16,60,593.00 |
|
| Balances with Banks and money at call and short notice
| 8,61,665.00 |
|
Investments |
1,19,28,488.00 |
|
Advances |
3,06,62,181.00 |
|
Fixed Assets |
5,07,454.00 |
|
Other Assets |
|
| 1 |
Other Assets |
16,59,139.00 |
|
Total of Other Assets |
16,59,139.00 |
|
Total Assets |
4,72,79,520.00 |
|
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 |
01-01-2026 |
01-04-2025 |
| Date of end of reporting period |
31-03-2026 |
31-03-2026 |
| Whether results are audited or unaudited |
Audited |
Audited |
| Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Segment Revenue (Income)
|
|
| (net sale/income from each segment should be disclosed) |
| 1 |
Treasury Operations |
2,13,796.00 |
9,09,613.00 |
| 2 |
Corporate/Wholesale Banking |
2,99,694.00 |
11,03,661.00 |
| 3 |
Retail Banking |
4,55,008.00 |
16,84,724.00 |
| 4 |
Other Banking Operations |
14,509.00 |
61,395.00 |
| 5 |
Unallocated |
51.00 |
14,866.00 |
|
| Total Segment Revenue
| 9,83,058.00 |
37,74,259.00 |
|
Less: Inter segment revenue |
0.00 |
0.00 |
|
Income from operations |
9,83,058.00 |
37,74,259.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
41,401.00 |
1,95,163.00 |
| 2 |
Corporate/Wholesale Banking |
1,00,768.00 |
3,94,877.00 |
| 3 |
Retail Banking |
1,23,386.00 |
3,89,467.00 |
| 4 |
Other Banking Operations |
6,108.00 |
30,508.00 |
| 5 |
Unallocated |
(89.00) |
13,641.00 |
|
Total Profit before tax |
2,71,574.00 |
10,23,656.00 |
|
i. Finance cost |
1,00,596.00 |
3,75,811.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
0.00 |
0.00 |
|
Profit before tax |
1,70,978.00 |
6,47,845.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
1,29,74,004.00 |
1,29,74,004.00 |
| 2 |
Corporate/Wholesale Banking |
1,22,11,797.00 |
1,22,11,797.00 |
| 3 |
Retail Banking |
2,16,22,168.00 |
2,16,22,168.00 |
| 4 |
Other Banking Operations |
13,161.00 |
13,161.00 |
| 5 |
Unallocated |
4,58,390.00 |
4,58,390.00 |
|
Total Segment Assets |
4,72,79,520.00 |
4,72,79,520.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
4,72,79,520.00 |
4,72,79,520.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
1,29,74,004.00 |
1,29,74,004.00 |
| 2 |
Corporate/Wholesale Banking |
1,22,11,797.00 |
1,22,11,797.00 |
| 3 |
Retail Banking |
2,16,22,168.00 |
2,16,22,168.00 |
| 4 |
Other Banking Operations |
13,161.00 |
13,161.00 |
| 5 |
Unallocated |
4,58,390.00 |
4,58,390.00 |
| |
Total Segment Liabilities |
4,72,79,520.00 |
4,72,79,520.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
4,72,79,520.00 |
4,72,79,520.00 |
|
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 |
31-03-2026 |
| C |
Whether results are audited or unaudited |
Audited |
| 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 |
6,26,803.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
20,756.00 |
|
Adjustments for depreciation and amortisation expense |
61,734.00 |
|
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss
|
2,72,649.00
|
|
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 |
82,596.00 |
|
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 |
21,043.00
|
|
Total adjustments to profit (loss) |
4,58,778.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
56,93,082.00 |
|
Adjustments for decrease (increase) in trade receivables |
(61,89,989.00) |
|
Adjustments for decrease (increase) in other current assets |
(11,77,984.00) |
|
Adjustments for increase (decrease) in trade payables |
8,37,491.00 |
|
Adjustments for increase (decrease) in other current liabilities |
2,84,141.00 |
|
Adjustments for provisions |
0.00 |
|
Total adjustments for working capital |
(5,53,259.00)
|
|
Total adjustments for reconcile profit (loss) |
(94,481.00) |
|
Net cash flows from (used in) operations |
5,32,322.00 |
|
Dividends received |
0.00 |
|
Interest paid |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
54,356.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
4,77,966.00 |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
4,77,966.00 |
| 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 |
697.00 |
|
Purchase of tangible assets |
64,589.00 |
|
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 |
(63,892.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
(63,892.00) |
| 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 |
1,00,000.00 |
|
Proceeds from borrowings |
0.00 |
|
Repayments of borrowings |
0.00 |
|
Dividends paid |
0.00 |
|
Interest paid |
(15,233.00) |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
(1,29,013.00) |
|
Net cash flows from (used in) financing activities before extraordinary
items |
(13,780.00)
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
(13,780.00)
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
4,00,294.00
|
| 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 |
4,00,294.00
|
|
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 |
25,22,257.00 |
Details of Impact of Audit Qualification
Amount in (Lakhs)
| Whether results are audited or unaudited |
Audited |
| Declaration of unmodified opinion or statement on impact of audit qualification |
Declaration of unmodified opinion |
| Auditor's opinion |
|
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015:
The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified
opinion for the period on Standalone results |
Yes |
| Sr No. |
Audit firm's name |
Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI |
Certificate valid upto |
| 1 |
R Devendra Kumar & Associates |
Yes |
31-05-2028 |
| 2 |
Tej Raj & Pal |
Yes |
31-01-2027 |
| 3 |
Laxmi Tripti & Associates |
Yes |
31-05-2028 |
| 4 |
Sanjeev Omprakash Garg & Co |
Yes |
31-07-2028 |