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 |
01-04-2026 |
| Date of end of financial year |
31-03-2027 |
| Date of board meeting when results were approved |
26-10-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
17-10-2026 |
| 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 |
26-10-2026
11:00:00 |
| End date and time of board meeting |
26-10-2026 12:15:00
|
| 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 |
01-07-2026 |
01-04-2026 |
| B |
Date of end of reporting period |
30-09-2026 |
30-09-2026 |
| 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 |
7,08,330.00 |
13,74,566.00 |
|
Income on investments |
2,05,252.00 |
4,03,003.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
6,541.00 |
20,311.00 |
|
Others |
0.00 |
0.00 |
|
Total interest earned |
9,20,123.00 |
17,97,880.00 |
| 2 |
Other income |
1,22,665.00 |
3,38,688.00 |
| 3 |
Total income |
10,42,788.00 |
21,36,568.00 |
|
Expenses
|
| 4 |
Interest expenses |
5,33,425.00 |
10,42,420.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
88,396.00 |
2,98,841.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other operating expenses |
1,19,318.00 |
2,24,348.00 |
|
Total other operating Expenses |
1,19,318.00 |
2,24,348.00 |
|
Total Operating Expenses |
2,07,714.00 |
5,23,189.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 7,41,139.00 |
15,65,609.00 |
| 7 |
Operating profit before provision and contingencies |
3,01,649.00 |
5,70,959.00 |
| 8 |
Provisions other than tax and contingencies |
95,008.00 |
1,78,411.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 2,06,641.00 |
3,92,548.00 |
| 11 |
Provision for Tax |
15,399.00 |
35,382.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
1,91,242.00 |
3,57,166.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
1,91,242.00 |
3,57,166.00 |
| 15 |
Share of profit (loss) of associates
| 5,025.00 |
10,730.00 |
| 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
| 1,96,267.00 |
3,67,896.00 |
|
| 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 |
16.2600 |
16.2600 |
|
| Additional Tier 1 ratio |
0 |
0 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 1.02 |
1.91 |
|
Diluted earnings per share before extraordinary items
| 1.02 |
1.91 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 1.02 |
1.91 |
|
Diluted earnings per share after extraordinary items
| 1.02 |
1.91 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 4,11,441.00 |
4,11,441.00 |
|
Amount of net non-performing assets
| 54,358.00 |
54,358.00 |
|
% of gross NPAs |
1.1900 |
1.1900 |
|
% of net NPAs
| 0.1600 |
0.1600 |
|
Return on assets
| 1.5300 |
1.4600 |
| 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 |
01-04-2026 |
| Date of end of reporting period |
30-09-2026 |
| 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 |
21,08,040.00 |
|
Deposits |
4,07,42,818.00 |
|
Borrowings |
49,76,005.00 |
|
Other liabilities and provisions |
|
| 1 |
Other liabilities and provisions |
19,92,308.00 |
|
Total of Other liabilities and provisions |
19,92,308.00 |
|
Total Capital Liabilities |
5,17,44,830.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
13,01,402.00 |
|
| Balances with Banks and money at call and short notice
| 12,53,065.00 |
|
Investments |
1,24,64,936.00 |
|
Advances |
3,42,06,058.00 |
|
Fixed Assets |
5,02,844.00 |
|
Other Assets |
|
| 1 |
Other Assets |
20,16,525.00 |
|
Total of Other Assets |
20,16,525.00 |
|
Total Assets |
5,17,44,830.00 |
|
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 |
01-07-2026 |
01-04-2026 |
| Date of end of reporting period |
30-09-2026 |
30-09-2026 |
| 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 |
2,40,921.00 |
5,14,612.00 |
| 2 |
Corporate/Wholesale Banking |
2,80,480.00 |
5,95,236.00 |
| 3 |
Retail Banking |
5,06,114.00 |
10,04,845.00 |
| 4 |
Other Banking Operations |
20,287.00 |
32,575.00 |
| 5 |
Unallocated |
11.00 |
30.00 |
|
| Total Segment Revenue
| 10,47,813.00 |
21,47,298.00 |
|
Less: Inter segment revenue |
0.00 |
0.00 |
|
Income from operations |
10,47,813.00 |
21,47,298.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
1,14,915.00 |
2,27,176.00 |
| 2 |
Corporate/Wholesale Banking |
71,813.00 |
1,49,855.00 |
| 3 |
Retail Banking |
1,05,557.00 |
1,84,546.00 |
| 4 |
Other Banking Operations |
14,606.00 |
20,517.00 |
| 5 |
Unallocated |
(217.00) |
(405.00) |
|
Total Profit before tax |
3,06,674.00 |
5,81,689.00 |
|
i. Finance cost |
15,399.00 |
35,383.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
95,008.00 |
1,78,410.00 |
|
Profit before tax |
1,96,267.00 |
3,67,896.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
1,38,53,051.00 |
1,38,53,051.00 |
| 2 |
Corporate/Wholesale Banking |
1,25,53,122.00 |
1,25,53,122.00 |
| 3 |
Retail Banking |
2,49,85,454.00 |
2,49,85,454.00 |
| 4 |
Other Banking Operations |
12,740.00 |
12,740.00 |
| 5 |
Unallocated |
3,40,464.00 |
3,40,464.00 |
|
Total Segment Assets |
5,17,44,831.00 |
5,17,44,831.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
5,17,44,831.00 |
5,17,44,831.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
1,38,53,051.00 |
1,38,53,051.00 |
| 2 |
Corporate/Wholesale Banking |
1,25,53,122.00 |
1,25,53,122.00 |
| 3 |
Retail Banking |
2,49,85,454.00 |
2,49,85,454.00 |
| 4 |
Other Banking Operations |
12,740.00 |
12,740.00 |
| 5 |
Unallocated |
3,40,464.00 |
3,40,464.00 |
| |
Total Segment Liabilities |
5,17,44,831.00 |
5,17,44,831.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
5,17,44,831.00 |
5,17,44,831.00 |
|
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 |
01-04-2026 |
| B |
Date of end of reporting period |
30-09-2026 |
| 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 |
3,92,548.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
0.00 |
|
Adjustments for depreciation and amortisation expense |
16,368.00 |
|
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss
|
24,433.00
|
|
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 |
1,59,403.00 |
|
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 |
10,731.00
|
|
Total adjustments to profit (loss) |
2,10,935.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
39,23,692.00 |
|
Adjustments for decrease (increase) in trade receivables |
(35,68,309.00) |
|
Adjustments for decrease (increase) in other current assets |
(7,96,986.00) |
|
Adjustments for increase (decrease) in trade payables |
(1,84,252.00) |
|
Adjustments for increase (decrease) in other current liabilities |
51,694.00 |
|
Adjustments for provisions |
0.00 |
|
Total adjustments for working capital |
(5,74,161.00)
|
|
Total adjustments for reconcile profit (loss) |
(3,63,226.00) |
|
Net cash flows from (used in) operations |
29,322.00 |
|
Dividends received |
0.00 |
|
Interest paid |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
(39,211.00) |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
68,533.00 |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
68,533.00 |
| 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 |
482.00 |
|
Purchase of tangible assets |
17,274.00 |
|
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 |
(16,792.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
(16,792.00) |
| 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 |
(16,096.00) |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
(35,627.00) |
|
Net cash flows from (used in) financing activities before extraordinary
items |
(19,531.00)
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
(19,531.00)
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
32,210.00
|
| 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 |
32,210.00
|
|
Cash and cash equivalents cash flow statement at beginning of period |
25,22,257.00 |
|
Cash and cash equivalents cash flow statement at end of period |
25,54,467.00 |