Indian Overseas Bank (IOB) has announced the approval of its unaudited financial results for Q3 2026. Key highlights include a Net Profit of ₹1,365.12 million and an Operating Profit of ₹2,603.10 million. Gross NPA stood at 1.54%, while Net NPA was 0.24%. The Board of Directors approved these results at a meeting held on January 14, 2026. The bank continues to focus on improving financial performance and maintaining asset quality.
Financial Performance Highlights
Indian Overseas Bank (IOB) reported a Net Profit of ₹1,365.12 million for the quarter ended December 31, 2025. The bank’s Operating Profit reached ₹2,603.10 million. These results reflect the bank’s ongoing efforts to enhance profitability and operational efficiency. The Board of Directors officially approved these financials on January 14, 2026.
Asset Quality
The bank’s asset quality shows the following important metrics:
- Gross NPA: 1.54%
- Net NPA: 0.24%
- Capital Adequacy Ratio (Basel III): 16.30%
Segment Performance
Key revenue figures across different segments include:Treasury Operations: ₹2,308.50 million,Corporate/Wholesale Banking: ₹2,807.16 million,Retail Banking: ₹4,265.89 million. These figures contribute to a total income from operations of ₹9,671.58 million.
Additional Key Metrics
Additional analytical ratios are also significant:
- Return on Assets (Annualised): 1.28%
Capital and Liabilities
The bank’s summarised balance sheet shows the following figures:
- Capital: ₹19,256.59 million
- Reserves and Surplus: ₹16,997.29 million
- Deposits: ₹349,302.03 million
Source: BSE
