Indian Overseas Bank (IOB) presents its corporate overview as of December 2025, highlighting key investment points. The presentation emphasizes healthy, inclusive growth via diversified portfolio mix and strong capital adequacy. Key metrics include a NIM of 3.21%, GNPA at 1.83%, and a PCR of 97.48%. The bank is focusing on digital initiatives and ESG compliance, marking its 89th year of trust and excellence. IOB continues to strengthen asset quality and operational efficiencies.
Financial Snapshot
As of September 30, 2025, Indian Overseas Bank reports the following key financial figures:
- NIM %: 3.21%
- Advances: ₹ 2,77,968 Crs
- Deposits: ₹ 3,39,066 Crs
- Net Interest Income (6M FY26): ₹ 5,805 Crs
- Net Profit (6M FY25): ₹ 2,337 Crs
- Global Business: ₹ 6,17,034 Crs
- Return on Assets (Q2FY26): 1.20%
- Return on Equity (Q2FY26): 19.95%
- CASA: 40.52%
- PCR: 97.48%
- GNPA: 1.83%
- NNPA: 0.28%
- Branches: 3,373
- ATM/CR: 3,567
- Business Correspondents: 11,467
Healthy Portfolio Mix
IOB demonstrates a stable growth in advances and deposits. The CAGR for advances is 12% and for deposits is 8%. The global business stands at ₹ 6,17,034 Crs. The bank has a well-diversified business portfolio:
- Advances: 45.0%
- Savings Bank: 18.0%
- Current Deposits: 4.0%
- Term Deposits: 33.0%
The CASA ratio is 40.52%.
Improving Asset Quality
IOB has significantly improved its asset quality, reflected in the reduced delinquencies and slippages. Several measures contribute towards this goal:
- Increasing percentage of ‘A’ & above rated accounts.
- One-Time Restructuring.
- Decreasing Gross and Net NPA percentages.
At September’25 the bank’s GNPA stood at 1.83%.
Digital Initiatives
IOB is focused on enhancing operational efficiency and customer satisfaction through various digital initiatives, including:
- Self-service hub “digital.iob.in”.
- Aadhaar Face Authentication for inclusiveness.
- Online Re-KYC, V-CIP, Customer Address Updates.
- Interoperable Cardless Cash Withdrawal (ICCW).
- Digital Banking Kiosks.
These initiatives have significantly increased the bank’s digital penetration.
ESG Initiatives
IOB is committed to Environmental, Social, and Governance (ESG) principles:
- Environmental: Low Carbon & Paperless Banking, End-to-End Digital Operation, Responsible Waste Management, Green Deposits & Products.
- Social: Financial Inclusion & Outreach, Community Development, Customer Protection & Safety, Financial Literacy Centers (SNEHA).
- Governance: Robust Governance & Oversight, Information Security & Data, Customer Right Policy.
Source: BSE