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Performance Analysis For Quarter / Year Ended, 31st March 2025. 02.05.2025 1
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VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSETS & LIABILITIES ESG INITIATIVES ACCOLADES & AWARDS ---------- 3 ---------- 4 ---------- 6 ---------- 14 ---------- 22 ---------- 25 ---------- 27 ---------- 32 ---------- 41 ---------- 44 ---------- 45 ---------- 46 ……….. 53 Performance Analysis Q4/FY 24-25 INDEX 2
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Performance Analysis Q4/FY 24-25 3 Shri M Ct M Chidambaram Chettyar IOB Founder Chairman
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Performance Analysis Q4/FY 24-25 PERFORMANCE HIGHLIGHTS BUSINESS GROWTH PROFITABILITY (Rs. In Crores) Parameters FY 2023-24 FY 2024-25 Y-O-Y ( %) BUSINESS GROWTH CASA 125508 136161 8.49% CASA% 43.90% 43.65% (25 bps) Total Deposits 285905 311939 9.11% Home Loan 27621 31168 12.84% Jewel Loan 47732 69188 44.95% Advances 219018 250019 14.15% Business 504923 561958 11.30% Parameters FY 2023-24 FY 2024-25 Y-o-Y ( %) Profitablity Net Interest Income 9829 10890 10.80% Net Interest Margin 3.28% 3.25% (3 bps) Operating Expenses 8722 7747 -11.17% Operating Profit 6764 8688 28.44% Net Profit 2656 3335 25.25% 4
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Performance Analysis Q4/FY 24-25 PERFORMANCE HIGHLIGHTS ASSET QUALITY STRENGTHENING FINANCIAL INDICATORS (Rs. In Crores) 5 Parameters FY 2023-24 FY 2024-25 Y-o-Y (%) ASSET QUALITY Gross NPA 6794 5348 -21.29% Net NPA 1217 912 -25.06% GNPA% 3.10% 2.14% (96 bps) NNPA% 0.57% 0.37% (20 bps) STRENGTHENING FINANCIAL INDICATORS Parameters FY 2023-24 FY 2024-25 Y-o-Y ( %) PCR 96.85% 97.30% 44 bps CRAR 17.28% 19.74% 246 bps ROA 0.81% 0.92% 11 bps ROE 16.24% 16.28% 4 bps
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Performance Analysis Q4/FY 24-25 FINANCIAL PERFORMANCE (Rs. In Crores) 6 Particulars Quarter Ending Year Ending Growth % Mar-24 Dec-24 Mar-25 FY 23-24 FY 24-25 Q-o-Q Mar 25 Over Dec 24 Q-o-Q Mar 25 Over Mar 24 Y-o-Y (12 M) Interest Income 6629 7112 7634 24050 28131 7.34% 15.15% 16.97% Interest Expenses 3866 4323 4511 14221 17241 4.35% 16.67% 21.23% Net Interest Income 2763 2789 3123 9829 10890 11.98% 13.03% 10.80% Non Interest Income 2477 1298 1581 5656 5545 21.85% -36.17% -1.96% Operating Income 5240 4086 4704 15485 16435 15.11% -10.23% 6.14% Operating Expenses 3279 1820 2086 8722 7747 14.59% -36.38% -11.17% Operating Profit 1961 2266 2618 6763 8688 15.53% 33.50% 28.44% Total Provisions 768 1029 1063 3350 4176 3.39% 38.53% 24.66% Tax expenses 385 364 503 757 1177 38.40% 30.63% 55.50% Net Profit/Loss 808 874 1051 2656 3335 20.31% 30.08% 25.25%
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Performance Analysis Q4/FY 24-25 TOTAL INCOME (Rs. In Crores) 7 Particulars Quarter Ending Year Ending Growth % Mar-24 Dec-24 Mar-25 FY 23-24 FY 24-25 Q-o-Q Mar 25 Over Dec 24 Q-o-Q Mar 25 Over Mar 24 Y-o-Y (12 M) Interest on Loans 4760 5257 5258 17576 20182 0.02% 10.46% 14.83% Interest on Investment 1539 1808 1816 5946 7038 0.42% 18.00% 18.36% Other Interest Income 330 47 560 528 911 1103.48% 69.62% 72.54% Total Interest Income 6629 7112 7634 24050 28131 7.34% 15.15% 16.97% Exchange & Commission 410 348 465 1331 1502 33.72% 13.51% 12.88% Profit / Loss on Sale of Investments 180 46 189 273 524 312.98% 4.97% 91.80% Profit on Exchange 36 22 -16 193 39 -174.47% -145.53% -79.92% Recovery from technical Written of Account towards income 908 635 477 2372 2362 -24.91% -47.50% -0.43% All other Income 943 247 466 1487 1118 89.03% -50.53% -24.78% Total Non Interest Income 2477 1298 1581 5656 5545 21.85% -36.17% -1.98% Total Income 9106 8409 9215 29706 33676 9.58% 1.19% 13.36%
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Performance Analysis Q4/FY 24-25 FEE BASED INCOME (Rs. In Crores) 8 Particulars Quarter Ending Year Ending Growth % Mar-24 Dec-24 Mar-25 FY 23-24 FY 24-25 Q-o-Q Mar 25 Over Dec 24 Q-o-Q Mar 25 Over Mar 24 Y-o-Y (12 M) A.Exchange & Commission 140 116 207 363 571 78.42% 47.95% 57.40% B.Income from Non-Fund Based Business 46 55 45 179 181 -19.19% -3.16% 1.06% C.Processing charges 138 96 125 448 427 29.41% -9.33% -4.66% D.ATM/DBD Related Income 122 115 114 416 419 -0.73% -6.52% 0.83% E.Marketing/FI/Govt Business 21 10 15 72 58 50.54% -31.09% -20.02% F.Miscellaneous Income 78 154 352 362 701 128.02% 353.96% 93.89% FEE BASED INCOME (A+B+C+D+E+F) 544 546 857 1839 2357 56.76% 57.43% 28.15% Overseas 25 15 15 84 62 -2.16% -39.30% -26.68% Fee Based Income - Global 569 562 872 1923 2418 55.16% 53.26% 25.75%
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Performance Analysis Q4/FY 24-25 TOTAL EXPENSES (Rs. In Crores) 9 Particulars Quarter Ending Year Ending Growth % Mar-24 Dec-24 Mar-25 FY 23-24 FY 24-25 Q-o-Q Mar 25 Over Dec 24 Q-o-Q Mar 25 Over Mar 24 Y-o-Y (12 M) Interest on Deposits 3337 3742 3895 12609 15008 4.08% 16.71% 19.03% Interest on Borrowings 529 581 616 1611 2232 6.04% 16.47% 38.56% Total Interest Expenses 3866 4323 4511 14220 17241 4.35% 16.67% 21.24% Staff Expenses 2517 1069 1132 6140 4666 5.89% -55.03% -24.00% Other Expenses 762 751 954 2582 3081 26.98% 25.22% 19.32% Operating Expenses 3279 1820 2086 8722 7747 14.59% -36.38% -11.17% Total Expenses 7145 6143 6597 22942 24988 7.38% -7.67% 8.92%
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Performance Analysis Q4/FY 24-25 PROFIT PARAMETER (Rs. In Crores) Particulars Quarter Ending Year Ending Growth % Mar-24 Dec-24 Mar-25 FY 23-24 FY 24-25 Q-o-Q Mar 25 Over Dec 24 Q-o-Q Mar 25 Over Mar 24 Y-o-Y (12 M) Operating Profit 1961 2266 2618 6764 8688 15.53% 33.50% 28.44% Provisions 768 1029 1063 3350 4176 3.39% 38.53% 24.66% of which NPA Provisions 409 400 200 2706 834 -50.03% -51.16% -69.18% Other Provisions 359 629 864 644 3342 37.35% 140.82% 418.92% Tax Expenses 385 364 503 757 1177 38.40% 30.63% 55.50% Net Profit 808 874 1051 2656 3335 20.31% 30.08% 25.25% 1961 2266 2618 768 1029 1063 808 874 1051 Mar-24 Dec-24 Mar-25 Q-o-Q Operating Profit Provisions Net Profit 6764 8688 3350 4176 2656 3335 FY 2023-24 FY 2024-25 Y-o-Y Operating Profit Provisions Net Profit 10
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Performance Analysis Q4/FY 24-25 PERFORMANCE RATIOS - QUARTERLY 11 4.88 4.95 5.15 5.08 5.17 MAR 24 JUNE 24 SEP 24 DEC 24 MAR 25 COST OF DEPOSITS(%) 5.09 5.03 5.13 5.24 5.29 MAR 24 JUNE 24 SEP 24 DEC 24 MAR 25 COST OF FUNDS(%) 8.92 8.75 8.97 9.02 8.78 MAR 24 JUNE 24 SEP 24 DEC 24 MAR 25 YIELD ON ADVANCES(%) 8.48 8.11 8.28 8.45 8.69 MAR 24 JUNE 24 SEP 24 DEC 24 MAR 25 YIELD ON FUNDS(%) FY 23-24 FY 24-25 4.70 5.08 FY 23-24 FY 24-25 4.87 5.24 FY 23-24 FY 24-25 8.80 8.82 FY 23-24 FY 24-25 8.03 8.36
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Performance Analysis Q4/FY 24-25 PERFORMANCE RATIOS - QUARTERLY 12 0.94 0.70 0.82 0.93 1.12 MAR 24 JUNE 24 SEP 24 DEC 24 MAR 25 RETURN ON ASSETS(%) 6.41 6.84 6.91 6.86 6.77 MAR 24 JUNE 24 SEP 24 DEC 24 MAR 25 YIELD ON INVESTMENT (%) 62.58 51.76 48.97 44.55 44.35 MAR 24 JUNE 24 SEP 24 DEC 24 MAR 25 COST TO INCOME(%) FY 23-24 FY 24-25 0.81 0.92 FY 23-24 FY 24-25 6.39 6.83 FY 23-24 FY 24-25 56.32 47.14 18.50 14.10 16.90 17.86 19.53 MAR 24 JUNE 24 SEP 24 DEC 24 MAR 25 RETURN ON EQUITY (%) FY 23-24 FY 24-25 16.24 16.28
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PERFORMANCE RATIOS - QUARTERLY 13 Performance Analysis Q4/FY 24-25 3.53 3.06 3.08 3.33 3.58 MAR 24 JUNE 24 SEP 24 DEC 24 MAR 25 NET INTEREST MARGIN % (GLOBAL) 3.73 3.21 3.21 3.47 3.77 MAR 24 JUNE 24 SEP 24 DEC 24 MAR 25 NET INTEREST MARGIN % (DOMESTIC) FY 23-24 FY 24-25 3.28 3.25 FY 23-24 FY 24-25 3.44 3.42
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Performance Analysis Q4/FY 24-25 BUSINESS PERFORMANCE - GLOBAL (Rs. In Crores) 14 Particulars Mar-24 Dec-24 Mar-25 Q-o-Q variation Y-o-Y variation Amount % Amount % CASA 125508 132338 136161 3823 2.89% 10653 8.49% Term Deposits 160397 172783 175777 2994 1.73% 15380 9.59% Total Deposits 285905 305121 311938 6817 2.23% 26033 9.11% Advances 219018 237632 250019 12387 5.21% 31001 14.15% Business Mix 504923 542753 561958 19204 3.54% 57034 11.30% CASA%(Domestic) 44.25% 43.76% 44.05% 28 bps (20 bps) CD Ratio%(Domestic) 71.94% 73.99% 76.96% 296 bps 501 bps CASA%(Global) 43.90% 43.37% 43.65% 28 bps (25 bps) CD Ratio%(Global) 76.61% 77.88% 80.15% 227 bps 354 bps
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Performance Analysis Q4/FY 24-25 BUSINESS COMPOSITION 15 Retail 27% Agri 32% MSME 19% Corporate/Others 22% % SHARE OF DOMESTIC ADVANCE- MAR 25 Metro 46% Urban 23% Semi Urban 19% Rural 12% POP CATEGORY WISE DISTRIBUTION OF DEPOSITS: MAR 25 Savings Bank 19% Current Deposits 5% Term Deposits 31% Advances 45% BUSINESS PORTFOLIO SHARE MAR 25
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Performance Analysis Q4/FY 24-25 ADVANCES (Rs. In Crores) 16 Parameters Mar-24 Dec-24 Mar-25 Q-o-Q variation Y-o-Y variation Amount % Amount % Retail 48514 58611 62764 4153 7.09% 14250 29.37% Agri 55636 69139 74545 5407 7.82% 18909 33.99% MSME 41552 43124 44310 1186 2.75% 2759 6.64% Corporate/others 54995 48599 51882 3283 6.76% -3113 -5.66% Domestic Advances 200697 219472 233501 14029 6.39% 32804 16.35% Overseas Advances 18321 18160 16518 -1642 -9.04% -1804 -9.84% Global Advances 219018 237632 250019 12387 5.21% 31001 14.15% RAM to Domestic Adv (%) 72.60% 77.86% 77.78% (8 bps) 518 bps Retail 24% Agri 28% MSME 21% Corporate/ others 27% MAR-2024 Retail 27% Agri 32% MSME 19% Corporate/ others 22% MAR-2025
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Performance Analysis Q4/FY 24-25 RAM PERFORMANCE (Rs. In Crores) 17 Parameters Mar-24 Dec-24 Mar-25 Q-o-Q % Y-o-Y % RETAIL CREDIT 48514 58611 62764 7.09% 29.37% Of which Home 27621 30573 31168 1.94% 12.84% Education 2641 2672 2420 -9.45% -8.38% Vehicle 4491 5131 5311 3.51% 18.27% Personal 2083 2572 2714 5.49% 30.29% Others 11679 17662 21152 19.76% 81.12% AGRI 55636 69139 74545 7.82% 33.99% MSME 41552 43124 44310 2.75% 6.64% Of which Micro 24780 23489 23659 0.72% -4.52% Small 7812 10588 11079 4.64% 41.82% Medium 8960 9047 9572 5.81% 6.84% Home 50% Education 4% Vehicle 8% Personal 4% Others 34% RETAIL BREAK UP - MAR 25
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Performance Analysis Q4/FY 24-25 AGRICULTURE (Rs. In Crores) 18 Period Domestic Advances Agri Advances % Share to Domestic Advances Mar-24 200697 55636 27.72% Jun-24 212459 60786 28.61% Sep-24 212995 65327 30.67% Dec-24 219472 69139 31.50% Mar-25 233501 74545 31.93% 55636 60786 65327 69139 74545 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 AGRI ADVANCES MAR-25
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Performance Analysis Q4/FY 24-25 MSME (Rs. In Crores) 19 Category Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Micro 24780 18977 20178 23489 23659 Small 7812 8002 7883 10588 11079 Medium 8960 15662 13514 9047 9572 Total 41552 42642 41574 43124 44310 Micro, 53.39% Small, 25.00% Medium, 21.60% MSME BREAKUP MAR-25
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Performance Analysis Q4/FY 24-25 INVESTMENT (Rs. In Crores) 20 Parameters Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Domestic Investments 96752 97955 103128 104939 107020 SLR 69297 72823 78218 80006 80701 Non SLR 27455 25132 24910 24933 26319 Held to Maturity 81860 87296 90232 90969 88785 Available for Sale 14892 8767 11213 12170 15787 Held for Trading 0 284 250 323 381 Fair value through Profit & Loss account – FVTPL - 992 817 861 1451 Subsidiaries, Associates and Joint Ventures - 616 616 616 616 Investment by Overseas Branches 4164 3989 4284 4171 4026 Global Investments 100916 101944 107412 109110 111046 81860 87296 90232 90969 88785 14892 8767 11213 12170 15787 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Held to Maturity Available for Sale
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Performance Analysis Q4/FY 24-25 VALUATIONS 21 Particulars Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 FY 2023-24 FY 2024-25 Return on Equity (%) 18.50 14.10 16.90 17.86 19.53 16.24 16.28 Basic & Diluted Earning per Share 0.43 0.33 0.41 0.46 0.56 1.40 1.76 Price Earning Ratio 140.23 192.01 140.41 111.90 69.59 42.67 22.10 Book value per share (in Rs) 9.56 9.43 10.04 10.66 12.11 9.56 12.11 Price/Book value (in Rs) 6.27 6.82 5.75 4.85 3.22 6.27 3.22 Adjusted Book value (in Rs) 8.79 8.82 9.48 10.15 11.63 8.79 11.63 Price/Adjusted Book value (in Rs) 6.82 7.29 6.09 5.10 3.35 6.82 3.35
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Performance Analysis Q4/FY 24-25 NPA MANAGEMENT (Rs. In Crores) 22 Details Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 FY 23-24 FY 24-25 i) Opening Gross NPAs 8441 6794 6649 6249 6071 14072 6794 a. Cash Recoveries 322 139 219 170 263 1111 791 b. Upgradation 90 52 102 76 75 577 305 c. Write-Offs 1567 251 370 219 3043 7214 3883 d. Sale to ARCs 17 0 0 0 95 24 95 e. Other Reductions 0 0 0 0 0 0 0 ii) Total Reductions (a+b+c+d+e) 1996 442 691 465 3476 8926 5074 iii) Fresh Slippages to NPA category 329 277 251 284 2756 1516 3568 iv) Other Debits 21 20 40 2 -3 132 60 Closing Gross NPAs (i-ii+iii+iv) 6794 6649 6249 6071 5348 6794 5348 Gross NPA (%) 3.10% 2.89% 2.72% 2.55% 2.14% 3.10% 2.14% Net NPAs (Absolute) 1217 1154 1059 976 912 1217 912 Net NPA (%) 0.57% 0.51% 0.47% 0.42% 0.37% 0.57% 0.37% Provision Coverage Ratio 96.85% 96.96% 97.06% 97.07% 97.30% 96.85% 97.30% f. Recovery from Tech Write off accounts 980 361 1041 676 522 2539 2600 f. i) Of which Reduction 908 308 988 650 480 2372 2426 g. Recovery from overseas set off accounts 29 3 78 0 8 55 90 h. Recovery from uncharged interest 30 27 43 34 29 244 133 Total Recovery(a+b+d+f+g+h) 1468 582 1482 957 992 4549 4014
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Performance Analysis Q4/FY 24-25 NPA MANAGEMENT 23 3.10% 2.89% 2.72% 2.55% 2.14% Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 GNPA(%) 0.57% 0.51% 0.47% 0.42% 0.37% Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 NNPA(%) 96.85% 96.96% 97.06% 97.07% 97.30% 82.09% 82.65% 83.05% 83.92% 82.95% Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 PCR(%) PCR (Including techwrite off) PCR (excluding techwrite off) 0.16% 0.13% 0.11% 0.13% 1.19% SLIPPAGE RATIO
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Performance Analysis Q4/FY 24-25 SECTOR-WISE CREDIT DEPLOYMENT & NPA (Rs. In Crores) 24 Segmental NPAs Mar-24 Dec-24 Mar-25 ADV NPA Ratio % ADV NPA Ratio % ADV NPA Ratio % Retail 48514 824 1.70% 58611 978 1.67% 62764 754 1.20% Agri 55636 2098 3.77% 69139 1829 2.65% 74545 1673 2.24% MSME 41552 2227 5.36% 43124 1753 4.07% 44310 1314 2.97% RAM 145702 5149 3.53% 170874 4560 2.67% 181619 3741 2.06% Corporate 54995 289 0.53% 48599 267 0.55% 51882 224 0.43% Domestic Advance 200697 5438 2.71% 219472 4827 2.20% 233501 3965 1.70% Overseas 18321 1357 7.41% 18160 1244 6.85% 16518 1382 8.37% Total 219018 6794 3.10% 237632 6071 2.55% 250019 5348 2.14%
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Performance Analysis Q4/FY 24-25 CAPITAL ADEQUACY (Rs. In Crores) 25 Particulars Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Market Risk RWA 8892 1602 1441 1353 1341 Operational Risk RWA 16705 19183 19183 19183 19183 Credit Risk RWA 118382 124051 130555 137216 148560 Total RWA (A) 143979 144836 151179 157753 169084 CET 1 20840 21706 22300 22601 28972 CET 1% 14.47% 14.99% 14.75% 14.33% 17.13% Tier 1 20840 21706 22300 22601 28972 Tier 1% 14.47% 14.99% 14.75% 14.33% 17.13% Tier 2 4035 4106 4087 4170 4412 Tier 2% 2.80% 2.83% 2.70% 2.64% 2.61% Total Capital (B) 24875 25811 26386 26772 33384 CRAR (B/A) 17.28% 17.82% 17.45% 16.97% 19.74% Total RWA to Advance Ratio 65.74% 62.95% 65.69% 66.39% 67.63% Credit RWA to Advance Ratio 54.05% 53.91% 56.73% 57.74% 59.42%
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Performance Analysis Q4/FY 24-25 MOVEMENT OF CRAR & RWAs 54.05% 53.91% 56.73% 57.74% 59.42% MAR -24 JUN -24 SEP -24 DEC -24 MAR -25 CREDIT RWA TO ADVANCE RATIO 17.28% 17.82% 17.45% 16.97% 19.74% MAR -24 JUN -24 SEP -24 DEC -24 MAR -25 CRAR 65.74% 62.95% 65.69% 66.39% 67.63% MAR -24 JUN -24 SEP -24 DEC -24 MAR -25 TOTAL RWA TO ADVANCE RATIO 26
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Performance Analysis Q4/FY 24-25 FINANCIAL INCLUSION 27 78.93 80.78 83.41 85.89 87.84 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 PMJDY Account (Number in Lakhs) PMJDY Account (Number in Lakhs) 3432 3558 3646 3767 3835 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 PMJDY Account Balance (in Crs) PMJDY Account Balance 2.01 1.96 2.04 2.02 2.02 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 PMJDY Zero balance Accounts No in Lakhs PMJDY Zero balance Accounts no in lakhs 30.36 34.29 37.83 70.57 78.52 83.17 13.96 15.59 16.67 Mar-24 Dec-24 Mar-25 Jansuraksha Scheme (In Lakhs) PMJJBY PMSBY APY
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CASA & Deposits Growth in last 5 years Performance Analysis Q4/FY 24-25 102165 113877 114113 125508 136161 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 CASA (Rs. in Cr) 42.52% 43.44% 43.74% 43.90% 43.65% MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 CASA % 138123 148283 146770 160397 175777 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 TERM DEPOSITS (Rs. in Cr) 240288 262160 260883 285905 311938 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 TOTAL DEPOSITS (Rs. in Cr) 28
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(Rs. In Crore) Advances Growth in last 5 years Performance Analysis Q4/FY 24-25 34196 36961 42400 48514 62764 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 RETAIL ADVANCES 35106 38577 43988 55636 74545 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 AGRI ADVANCES 26849 29494 34856 41552 44310 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 MSME ADVANCES 58.10% 59.43% 72.45% 76.61% 80.15% MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 CD RATIO 29
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(Rs. In Crore) Retail Segment Loans growth in last 5 years Performance Analysis Q4/FY 24-25 929 1095 1537 2083 2714 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 Personal Loans 17668 20483 24116 27621 31168 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 Home Loans 3333 3492 3751 4491 5311 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 Vehicle Loans 7692 7975 9553 11679 21152 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 Other Retail Loans 34196 36961 42400 48514 62764 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 Total Retail Portfolio 30
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(Rs. In Crore) Decreasing NPA Levels & Increase in PCR over 5 years Performance Analysis Q4/FY 24-25 16323 15299 14072 6794 5348 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 GROSS NPA (Rs. in Cr) 4578 3825 3266 1217 912 MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 NET NPA (Rs. in Cr) 3.58% 2.65% 1.83% 0.57% 0.37% MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 NET NPA % 90.34% 91.66% 92.63% 96.85% 97.30% MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 PROVISION COVERAGE RATIO(%) 76.79% 82.09% 82.95% MAR-23 MAR-24 MAR-25 PCR(EXCLUDING TECH WRITE OFF) 11.69% 9.82% 7.44% 3.10% 2.14% MAR-21 MAR-22 MAR-23 MAR-24 MAR-25 GROSS NPA % 31
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Technology & Digital Initiatives Performance Analysis Q4/FY 24-25 32
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Introduction Indian Overseas Bank has got a robust and resilient technology platform in place to serve customers across the diverse generations. We are committed in our digital transformation journey to bring customer delight through various digital innovations and have in place a clear strategy co-developed with one of the Big 4 consultancy firm. We continue to pioneer on various digital initiatives through a spectrum of digital banking products to match the evolving customer needs. 33 Technology & Digital Initiatives Performance Analysis Q4/FY 24-25 33
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Focus Areas Technology Resilience Customer Centricity Digital Innovation Operational Efficiency Technology & Digital Initiatives Performance Analysis Q4/FY 24-25 34
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Customer Centricity Prioritizing the overall customer experience by tailoring services to meet customer needs and preferences 02 Any-time Any-where delivery of services like account opening, nomination, Re-KYC by bank staff themselves made possible via Tab devices 03 Leveraging RBIH’s Unified Lending Interface (ULI) for frictionless experience of customers 04 Digital Banking Kiosks for round the clock customer service 05 Self-service hub “digital.iob.in” with bouquet of digital service under one place01 Launched Interoperable Cardless Cash Withdrawal(ICCW) as Issuer and Acquirer. Technology & Digital Initiatives 06 Launched Interoperable Cash Deposit (ICD) and UPI Circle on pilot basis in the Global Fintech Fest 2024. Performance Analysis Q4/FY 24-25 35
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Digital Innovation Pioneer in multiple digital initiatives with commitment towards transforming user experience 02 Collaboration with Fintechs to develop unique solutions for a differentiated experience 03 Online Re-KYC, Customer Address Updates ,Mandate registration without visiting branch 04 Online instant safe deposit locker allotment without visiting branch 05 Aadhaar Face Authentication ensuring inclusiveness in authentication for various services like Account opening, Re-KYC, Nomination, etc. via Tab banking 01 Online account number portability across the branches of the bank Technology & Digital Initiatives Performance Analysis Q4/FY 24-25 36
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Operational Efficiency Enhancing operational efficiency powered through blend of digital centric process re- engineering and digital solutions 02 CRM tool for widening and deepening customer engagements 03 Loan Origination System for efficient credit underwriting 04 Digital journeys for seamless customer onboarding 05 Digital App for Collection and Recovery enhancing collections efficiency01 Digital office note solution to eliminate paper work and reduced turn around time Technology & Digital Initiatives Performance Analysis Q4/FY 24-25 37
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Value Delivery Digital initiatives have resulted in multifaceted value addition in accomplishing bank’s business vision and mission. Enhanced Customer Satisfaction: Improved customer satisfaction, engagement, and loyalty through streamlined digital interactions, personalized services, and user-friendly interfaces 01 Productivity Enhancement: Optimized internal processes reducing manual workloads, and minimized costs through automation, digitalization and the integration of digital tools and platforms 02 Business Growth: Enhanced market reach, acquiring new customers, and increasing revenue by leveraging digital channels. 03 Agility and Adaptability: Flexible and responsive organizational culture capable of quickly adapting to changing market dynamics, and customer preferences. 04 Technology & Digital Initiatives 05 Product Enhancement: Released BHIM IOB UPI with enhanced user experience in Android. iOS app also released in August 2024 Performance Analysis Q4/FY 24-25 38
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IOB’s API FABRIC Performance Analysis Q4/FY 24-25 39
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Performance Analysis Q4/FY 24-25 DIGITAL OUTREACH 40 3506 3505 3501 3503 3497 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 A T M / CD M ( N O O F O U T L ET S) 81.98 85.7 90.17 91.43 102.18 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 M O B I L E B A N K I N G R E G I S T E R E D U S E R S ( I N L A K H S ) 30.18 31.25 31.41 32.90 34.18 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 I N T E R N E T B A N K I N G R E G I S T E R E D U S E R S ( I N L A K H S ) 90.17 96.33 104.06 112.22 120.69 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 U P I R E G I S T ER ED U S E R S ( I N L A K H S)
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Performance Analysis Q4/FY 24-25 CUSTOMER TOUCH POINT PAN INDIA Domestic Presence Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Branches 3236 3250 3269* 3322* 3335* ATM/CR 3506 3505 3501 3503 3497 BC 6379 7078 8023 9041 10135 Metro, 714, 21% Urban, 681, 21% Semi Urban, 1011, 30% Rural, 929, 28% MAR-25 BRANCHES * Excluding 8 RLPCs(Retail Loan Processing Centres) 41
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HONG KONG BRANCH COLOMBO BRANCH SINGAPORE BRANCH BANGKOK BRANCH Performance Analysis Q4/FY 24-25 FOREIGN OUTREACH 42
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STRATERGIC INVESTMENT JOINT VENTURE 43 IOB entered into Non-Life Insurance Business with Universal Sompo General Insurance (USGI) Company Limited with equity participation of 18% along with the other Banks and Institutions Indian Overseas Bank 18.06% Indian Bank 28.52% Sompo Japan Insurance Inc 34.61% The Karnataka Bank Ltd 6% Dabur Investment Corporation. 12.81% Shareholding % • USGIC has entered Bancassurance tie up with Indian Bank, IOB & Karnataka Bank. • IOB entered Corporate Agency arrangements with effect from 20th December 2008 for distribution of USGI products. STRATERGIC INVESTMENT JOINT VENTURE Indian Overseas Bank (35%) has a joint venture Bank in Malaysia with Bank Of Baroda(40%) and Union Bank of India(25%) named “India International Bank(Malaysia) Berhad”. Name on Entity Shareholding % Indian Overseas Bank 18.06% Indian Bank 28.52% Sompo Japan Insurance Inc 34.61% The Karnataka Bank Ltd 6.00% Dabur Investment Corporation 12.81% Total 100.00% Performance Analysis Q4/FY 24-25
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Performance Analysis Q4/FY 24-25 SHARE HOLDING PATTERN AS ON 31.03.2025 44 Category of Shareholder % share Government of India 94.61% FI/Banks 0.68% Foreign Portfolio Investor (Corporate) 0.22% Mutual Funds 0.07% Insurance Companies 1.84% Bodies Corporate 0.34% Individual 1.92% ESOP/ESOS/ESPS 0.20% NRI 0.05% HUF 0.04% Others 0.03% Government of India, 94.61% Institution, 3.15% Individual, 2.24%
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Performance Analysis Q4/FY 24-25 ASSETS & LIABILITIES 45 Rs in Lakhs Balance Sheet as at 31.03.2025 LIABILITIES Particulars Standalone Consolidated 31.03.2025 31.03.2024 31.03.2025 31.03.2024 Capital 1925659 1890241 1925659 1890241 Reserves and Surplus 1328433 903989 1297676 865904 Deposits 31193882 28590538 31193882 28612148 Borrowings 4222766 3038717 4222766 3038717 Other Liabilities & Provisions 830754 779877 830813 779923 Total 39501494 35203362 39470797 35186932 ASSETS Cash & Balance with RBI 1811555 1690456 1811587 1690554 Balance with Banks and Money at Call and Short Notice 295472 164986 310376 190936 Investments 11104484 9963208 11058797 9919392 Advances 24555517 21331881 24555517 21333013 Fixed Assets 465482 373976 465482 374019 Other Assets 1268985 1678855 1269038 1679019 Total 39501494 35203362 39470797 35186932
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ENVIRONMENTAL SOCIAL GOVERNANCE IOB introduced an ESG mascot named "Mr. Harit" to raise awareness about environmental sustainability among its stakeholders. This initiative reflects the bank's commitment to integrating ESG principles into its operations and engaging the community in environmental conservation efforts. Performance Analysis Q4/FY 24-25 ESG INITIATIVES 46
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ENVIRONMENTAL SOCIAL GOVERNANCE The primary objective of this partnership is to further IOB's sustainability agenda, particularly in the area of green building financing. Through this MOU, IOB gain access to database of projects which are green building certified and energy efficient. IOB will be able to finance developers and buyers of certified green buildings Performance Analysis Q4/FY 24-25 ESG INITIATIVES 47
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ENVIRONMENTAL SOCIAL GOVERNANCE PCAF is a global partnership of financial institutions that collaboratively develop and implement a harmonized approach to assess and disclose greenhouse gas (GHG) emissions associated with loans and investments. Indian Overseas Bank is early adopters in the Indian Banking space to join the PCAF initiative. MOU will enable IOB to measure and disclose the greenhouse gas (GHG) emissions associated with its financed activities, enabling a comprehensive understanding of its environmental impact and adopting globally harmonized methodologies for GHG accounting, ensuring alignment with best practices in the financial industry. Performance Analysis Q4/FY 24-25 ESG INITIATIVES 48
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ENVIRONMENTAL SOCIAL GOVERNANCE GREEN FINANCE • IOB E-VEHICLE LOAN • IOB GREEN DEPOSIT • IOB SURYA LOAN • IOB HL SURYA LOAN • IOB TEJAS Performance Analysis Q4/FY 24-25 ESG INITIATIVES 49
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ENVIRONMENTAL SOCIAL GOVERNANCE IOB VEHICLE LOAN FOR E BIKE/CAR IOB TEJAS FOR RENEWAL SOLAR ENERGY EQUIPMENT CREDIT FACILITY TO WIND MILL PAPERLESS BANKING Performance Analysis Q4/FY 24-25 ESG INITIATIVES 50
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ENVIRONMENTAL SOCIAL GOVERNANCE THE SAKTHI - IOB CHIDAMBARAM CHETTIAR MEMORIAL TRUST VARIOUS IOB CREDIT SCHEME FOR WOMEN FRIENDLY WORK ENVIRONMENT FINANCIAL LITERACY CENTERS (SNEHA) Performance Analysis Q4/FY 24-25 ESG INITIATIVES 51
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EFFECTIVE MONITORING COMPLYING WITH ALL GUIDELINES ®ULATIONS EFFECTIVE CUSTOMER COMPLAINTS RESOLUTION CUSTOMER RIGHT POLICY ENVIRONMENTAL SOCIAL GOVERNANCE Performance Analysis Q4/FY 24-25 ESG INITIATIVES 52
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53 ACCOLADES & AWARDS Indian Overseas Bank has been recognized as a TOP IMPROVER in the EASE 5.0 rankings! Kudos to our Chairman, Shri. Srinivasan Sridhar, MD & CEO, Shri. Ajay Kumar Srivastava , and Chief Compliance Officer, Shri. Nataraj K, for receiving the trophy and citation from DFS Secretary Dr. Vivek Joshi. Performance Analysis Q4/FY 24-25
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54 ACCOLADES & AWARDS Mr. Ajay Kumar Shrivastav, MD & CEO of Indian Overseas Bank received Rajbhasha Keerthi First Prize for the year 2023-24 from Hon'ble Home & Cooperation Minister Mr. Amit Shah ji. Performance Analysis Q4/FY 24-25
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55 ACCOLADES & AWARDS Indian Overseas Bank has secured 5 prestigious Citations at the IBA Banking Technology Awards 2025 for the 2nd consecutive year! Categories Won: • Winner: Best Tech Talent & Organization • Runner-up: Best (Digital) Financial Inclusion • Special Mentions: 1️⃣ Best IT Risk Management 2️⃣ Best Technology Bank 3️⃣ Best AI & ML Adoption Performance Analysis Q4/FY 24-25
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56 ACCOLADES & AWARDS Indian Overseas Bank's Staff College, Anna Nagar, Chennai, has been awarded the prestigious ISO 9001:2015 certification! Performance Analysis Q4/FY 24-25
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57 ACCOLADES & AWARDS Indian Overseas Bank is proud to be honored with the prestigious SKOCH Award 2024 for its initiatives in the area of compliance. Performance Analysis Q4/FY 24-25
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58 ACCOLADES & AWARDS Indian Overseas Bank is proud to receive the Best Supporting Bank Award from Hon’ble Dr. M. Mathiventhan, Minister for Adi Dravidar Welfare, at TN Beat Expo 2025 (Jan 25-26)! Performance Analysis Q4/FY 24-25
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59 ACCOLADES & AWARDS Indian Overseas Bank signed an MoU with B.S. Abdur Rahman Crescent Institute for launching a Cybersecurity Hackathon, with E&Y as the knowledge partner! Performance Analysis Q4/FY 24-25
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Social Media Presence 8,42,000 3,52,000 2,73,000 56,000 41,000 12,000 @IOBIndia @IOBIndia.in @IOBIndia @indian-overseas-bank @IOBIndia@IOBIndia 149 % Performance Analysis Q4/FY 24-25 60
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61 PRODUCTS & SERVICES Performance Analysis Q4/FY 24-25
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62 PRODUCTS & SERVICES Performance Analysis Q4/FY 24-25
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Except for the historical information contained herein, statements in this release which contain words or phrases such as "will", "aim" "will likely result", "would", "believe", "may", "expect",', "will continue ", "anticipate", "estimate" "intend", "plan", "contemplate" "seek to" "future", "objective", "goal", "strategy", "philosophy", "project", "should", "will pursue" and similar expressions or variations of such expressions may constitute "forward-looking statements". These forward-looking statements involve a number of risks, uncertainties and other factors that could cause actual results to differ materially from those suggested by the forward-looking statements. These risks and uncertainties include, but are not limited to our ability to successfully implement our strategy, future levels of non-performing loans, our growth and expansion, the adequacy of our allowance for credit losses, our provisioning policies, technological changes, investment income, cash flow projections, our exposure to market risks as well as other risks. Indian Overseas Bank undertakes no obligation to update forward-looking statements to reflect events or circumstances after the date thereof. DISCLAIMER 63 Performance Analysis Q4/FY 24-25
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We express our heartfelt gratitude to all our stakeholders for their support & trust and solicit their continued patronage to make our beloved Bank grow exponentially in the coming years Please provide your valuable feedback @investor.iobnet.co.in visit us @ https://www.iob.in Follow us on Social Media Performance Analysis Q4/FY 24-25 THANK YOU 64