IOB Net Profit Hits All-Time High of Rs 1,226 Cr, Up 57.79 % YoY

PROFITABILITY

(Quarter Ended 30.09.2025 over 30.09.2024)

 

• Net Profit increased by Rs 449 crores to Rs 1,226 crores  as on 30.09.2025, as compared to Rs 777 crores as on 30.09.2024, registering growth of 57.79% on YoY basis
• Operating Profit increased by Rs 272 crores to Rs 2,400 crores  as on 30.09.2025, as compared to Rs 2,128 crores as on 30.09.2024, registering growth of 12.78% on YoY basis
• Net Interest Income (NII) increased by Rs 521 crores to Rs 3,059 crores  as on 30.09.2025, as compared to Rs 2,538 crores as on 30.09.2024, registering growth of 20.53 % on YoY basis
• Net interest Margin (NIM)- Domestic increased by 14 bps to 3.35 % as on 30.09.2025 as compared to 3.21 % as on 30.09.2024
• Net interest Margin (NIM)- Global increased by 13 bps to 3.21 % as on 30.09.2025 as compared to 3.08 % as on 30.09.2024
• Cost to Income Ratio reduced by 321 bps to 45.76 %  as on 30.09.2025, as compared to 48.97 % as on 30.09.2024
• Return on Assets (ROA) increased by 38 bps to 1.20 %  as on 30.09.2025, as compared to 0.82 % as on 30.09.2024
• Return on Equity (ROE) increased by 305 bps to 19.95 %  as on 30.09.2025, as compared to 16.90 % as on 30.09.2024

 

PROFITABILITY

(Half Year Ended 30.09.2025 over 30.09.2024)

 

• Net Profit increased by Rs 927 crores to Rs 2,337 crores  as on 30.09.2025, as compared to Rs 1,410 crores as on 30.09.2024, registering growth of 65.74% on YoY basis
• Operating Profit increased by Rs 954 crores to Rs 4,758 crores  as on 30.09.2025, as compared to Rs 3,804 crores as on 30.09.2024, registering growth of 25.08% on YoY basis
• Net Interest Income (NII) increased by Rs 826 crores to Rs 5,805 crores  as on 30.09.2025, as compared to Rs 4,979 crores as on 30.09.2024, registering growth of 16.59 % on YoY basis
• Net interest Margin (NIM)- Domestic increased by 6 bps to 3.26 % as on 30.09.2025 as compared to 3.20 % as on 30.09.2024
• Net interest Margin (NIM)- Global increased by 6 bps to 3.12 % as on 30.09.2025 as compared to 3.06 % as on 30.09.2024
• Cost to Income Ratio reduced by 523 bps to 45.01 %  as on 30.09.2025, as compared to 50.24 % as on 30.09.2024
• Return on Assets (ROA) increased by 41 bps to 1.17 %  as on 30.09.2025, as compared to 0.76 % as on 30.09.2024
• Return on Equity (ROE) increased by 417 bps to 19.40 %  as on 30.09.2025, as compared to 15.23 % as on 30.09.2024

 

BUSINESS HIGHLIGHTS

 

• Total Business of the Bank increased by Rs 76,233 crores to Rs 6,17,034 crores  as on 30.09.2025, as compared to Rs 5,40,801 crores as on 30.09.2024, registering growth of 14.10 % on YoY basis. The same is increased by 4.02 % on a Q-o-Q sequential basis
• Total Deposits increased by Rs 28,414 crores to Rs 3,39,066 crores as on 30.09.2025, as compared to Rs 3,10,652 crores as on 30.09.2024, registering growth of 9.15 % on YoY basis. The same is increased by 2.50 % on a Q-o-Q sequential basis
• Gross Advances increased by Rs 47,819 crores to Rs 2,77,968 crores as on 30.09.2025, as compared to Rs 2,30,149 crores as on 30.09.2024, registering growth of 20.78 % on YoY basis. The same is increased by 5.92 % on a Q-o-Q sequential basis
• CASA increased by Rs 5,531 crores to Rs 1,37,387 crores as on 30.09.2025, as compared to Rs 1,31,856 crores as on 30.09.2024, registering growth of 4.19 % on YoY basis.
• CASA Ratio stood at 40.52 % as on 30.09.2025.  
• Credit to Deposit (CD) Ratio stood at 81.98% as on 30.09.2025

 

 

ASSET QUALITY

 

• Gross Non-Performing Assets (GNPA) ratio reduced by 89 bps to 1.83% as on 30.09.2025 against 2.72 % as on 30.09.2024.  The same is reduced by 14 bps on a Q-o-Q sequential basis.
• Net NPA ratio reduced by 19 bps to 0.28% as on 30.09.2025 against 0.47 % as on 30.09.2024. The same is reduced by 4 bps on a Q-o-Q sequential basis.
• Provision Coverage ratio increased by 42 bps to 97.48 % as on 30.09.2025 as against 97.06 % as on 30.09.2024.
• Slippage ratio maintained at 0.11 % as on 30.09.2025
• Credit Cost stood at 0.18 % as on 30.09.2025

 

RECOVERY

Total Recovery for the quarter ended 30.09.2025 increased to Rs 874 from Rs 851 Crore as on 30.06.2025

Recovery from the written off accounts (technical write off & set off) for the quarter ended 30.09.2025 stood at Rs 461 Crore

 

CAPITAL ADEQUACY

 

• BASEL III Capital Adequacy Ratio (CRAR) increased by 49 bps to 17.94% as on 30.09.2025, out of which CET1 is 15.53% and Tier-II is 2.41%.

 

       AWARDS, ACCOLADES & INITIATIVES

• IOB Bags Rajbhasha Kirti Award for the Third Consecutive Year: Indian Overseas Bank has once again been conferred the prestigious Rajbhasha Kirti Award for outstanding implementation of the Official Language.
• Hat-Trick of Excellence! IOB Leads Grievance Redressal Index for Third Month Running: Indian Overseas Bank has been ranked No. 1 among Public Sector Banks in the GRAI for August 2025, issued by DFS. This marks the third consecutive month (June–August 2025) of IOB topping the index, reflecting its strong redressal system and customer focus.
• Indian Overseas Bank has received the SKOCH Platinum Award in the BFSI category for its in-house IOB SMART app and Risk Management initiatives.

CUSTOMER TOUCH POINT PAN INDIA

 

• Number of Domestic Branches expanded by 104 to 3,373 as on 30.09.2025 from 3,269 branches as on 30.09.2024
• Out of the total 3,373 domestic branches, Bank has 1962 (58%) branches in rural & semi-urban areas.
• Number of ATM/CR expanded by 66 to 3,567 as on 30.09.2025 from 3,501 branches as on 30.09.2024
• Number of Business Correspondent increased by 3,444 to 11,467 as on 30.09.2025 from 8,023 branches as on 30.09.2024
• Total Customer Touch points stood at 18,407 as on 30.09.2025

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