Slides
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Performance Analysis For Quarter Ended 30TH June 2026 (20.07.2026)
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PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE 03 05 BUSINESS PERFORMANCE NPA MANAGEMENT 13 20 CAPITAL ADEQUACY FINANCIAL INCLUSION 23 25 CUSTOMER TOUCH POINT 26 27 ASSETS & LIABILITIES 28 34 ESG INITIATIVES ACCOLADES & AWARDS 42 45 SHARE HOLDING PATTERN DIGITAL INITIATIVES 2 Table of Content
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PERFORMANCE HIGHLIGHTS BUSINESS GROWTH PROFITABILITY Parameters Quarter Ended Y-O-Y ( %) Jun-25 Jun-26 BUSINESS GROWTH CASA 144837 154415 6.61% Savings Bank 107718 127262 18.14% Retail Term Deposits 161371 186882 15.81% Total Deposits 330792 376193 13.72% Advances 262421 322132 22.75% Business 593213 698325 17.72% Parameters Quarter Ended Y-o-Y ( %) Jun-25 Jun-26 PROFITABILITY Net Interest Income 2746 3688 34.30% Non Interest Income 1481 2160 45.87% Operating Income 4227 5848 38.35% Operating Profit 2358 2693 14.21% Net Profit 1111 1659 49.32% (Rs. In Crores) 3
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PERFORMANCE HIGHLIGHTS ASSET QUALITY STRENGTHENING FINANCIAL INDICATORS Parameters Quarter Ended Y-o-Y (%) Jun-25 Jun-26 ASSET QUALITY Gross NPA 5178 4292 -17.11% Net NPA 816 588 -27.94% GNPA% 1.97% 1.33% (64 bps) NNPA% 0.32% 0.18% (14 bps) PCR 97.47% 97.67% 20 bps STRENGTHENING FINANCIAL INDICATORS Parameters Quarter Ended Y-o-Y ( %)Jun-25 Jun-26 NIM (DOMESTIC) 3.17% 3.48% 31 bps NIM (GLOBAL) 3.04% 3.37% 33 bps ROA 1.14% 1.41% 27 bps ROE 19.00% 22.69% 369 bps CRAR 18.28% 19.36% 108 bps (Rs. In Crores) 4
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FINANCIAL PERFORMANCE Particulars Quarter Ending Growth % Jun-25 Mar-26 Jun-26 Q-o-Q June 26 Over Mar 26 Y-o-Y June 26 Over June 25 Interest Income 7386 8489 8778 3.40% 18.85% Interest Expenses 4639 5019 5090 1.41% 9.72% Net Interest Income 2746 3470 3688 6.28% 34.30% Non Interest Income 1481 1291 2160 67.31% 45.85% Operating Income 4227 4761 5848 22.83% 38.35% Operating Expenses 1869 2096 3155 50.52% 68.81% Operating Profit 2358 2665 2693 1.05% 14.21% Total Provisions 844 1006 834 -17.10% -1.18% Tax expenses 403 154 200 29.87% -50.37% Net Profit 1111 1505 1659 10.23% 49.32% (Rs. In Crores) 5
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TOTAL INCOME Particulars Quarter Ending Growth % Jun-25 Mar-26 Jun-26 Q-o-Q June 26 Over Mar 26 Y-o-Y June 26 Over June 25 Interest on Loans 5509 6442 6662 3.42% 20.93% Interest on Investment 1829 1912 1978 3.45% 8.15% Other Interest Income 48 135 138 2.22% 187.50% Total Interest Income 7386 8489 8778 3.40% 18.85% Exchange & Commission 398 510 476 -6.67% 19.60% Profit / Loss on Sale of Investments 207 -63 194 -407.94% -6.28% Recovery from technical Written off A/cs 574 540 487 -9.81% -15.16% PSLC Commission 199 48 863 1697.92% 333.67% All other Income 103 256 141 -44.92% 36.89% Total Non Interest Income 1481 1291 2160 67.31% 45.85% Total Income 8866 9780 10938 11.84% 23.37% (Rs. In Crores) 6
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FEE BASED INCOME Particulars Quarter Ending Growth % Jun-25 Mar-26 Jun-26 Q-o-Q June 26 Over Mar 26 Y-o-Y June 26 Over June 25 A. Exchange & Commission 121 172 90 -47.67% -25.62% B. Income from Non Fund Based Business 60 68 83 22.06% 38.33% C. Processing charges 109 124 177 42.74% 62.39% D. ATM/DBD Related Income 97 140 128 -8.57% 31.96% E. Marketing/FI/Govt Business 17 15 18 20.00% 5.88% F. Miscellaneous Income 243 176 921 423.30% 279.01% FEE BASED INCOME (A+B+C+D+E+F) 647 696 1418 103.74% 119.17% Overseas 18 15 19 26.67% 5.56% Fee Based Income-Global 665 710 1437 102.39% 116.09% (Rs. In Crores) 7
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TOTAL EXPENSES Particulars Quarter Ending Growth % Jun-25 Mar-26 Jun-26 Q-o-Q June 26 Over Mar 26 Y-o-Y June 26 Over June 25 Interest on Deposits 4006 4287 4336 1.14% 8.24% Interest on Borrowings 633 733 754 2.86% 19.12% Total Interest Expenses 4639 5019 5090 1.41% 9.72% Staff Expenses 1166 1006 2104 109.15% 80.45% Other Expenses 703 1090 1050 -3.67% 49.36% Operating Expenses 1869 2096 3155 50.52% 68.81% Total Expenses 6509 7115 8245 15.88% 26.67% (Rs. In Crores) 8
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PROFIT PARAMETER Particulars Quarter Ending Growth % Jun-25 Mar-26 Jun-26 Q-o-Q June 26 Over Mar 26 Y-o-Y June 26 Over June 25 Operating Profit 2358 2665 2693 1.05% 14.21% Provisions 844 1006 834 -17.10% -1.18% of which NPA Provisions A.) NPA Provisions 178 225 106 -52.89% -40.45% B.) Other Provisions 666 781 728 -6.79% 9.31% Tax Expenses 403 154 200 29.87% -50.37% Net Profit 1111 1505 1659 10.23% 49.32% 2358 2665 2693 1247 1160 10341111 1505 1659 Jun-25 Mar-26 Jun-26 Operating Profit Provisions & Others Net Profit (Rs. In Crores) 9
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PERFORMANCE RATIOS 10 3.17 3.35 3.42 3.35 3.48 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 NET INTEREST MARGIN % (DOMESTIC) 3.04 3.21 3.32 3.25 3.37 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 NET INTEREST MARGIN % (GLOBAL) 1.14 1.20 1.28 1.32 1.41 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 RETURN ON ASSETS 19.00 19.95 20.98 21.94 22.69 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 RETURN ON EQUITY
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PERFORMANCE RATIOS 5.10 5.05 4.92 4.79 4.70 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 COST OF DEPOSITS(%) 5.22 5.16 5.07 4.90 4.85 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 COST OF FUNDS(%) 8.92 8.94 8.83 8.71 8.80 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 YIELD ON ADVANCES % (GLOBAL) 9.18 9.19 9.03 8.89 8.97 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 YIELD ON ADVANCES % (DOMESTIC) 11
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PERFORMANCE RATIOS 12 8.15 8.19 8.19 7.93 8.00 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 YIELD ON FUNDS(%) 6.75 6.62 6.69 6.67 6.79 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 YIELD ON INVESTMENT % 0.29 0.18 0.44 0.30 0.14 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 CREDIT COST 44.22 45.76 45.74 44.02 53.95 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 COST TO INCOME
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BUSINESS PERFORMANCE-GLOBAL (Rs. In Crores) Particulars Jun-25 Mar-26 Jun-26 Q-o-Q variation Y-o-Y variation Amount % Amount % CASA 144837 150936 154415 3479 2.30% 9578 6.61% Savings Bank 107718 124565 127262 2697 2.17% 19544 18.14% Retail Term Deposits 161371 183601 186882 3281 1.79% 25511 15.81% Term Deposits 185955 217256 221778 4522 2.08% 35823 19.26% Total Deposits 330792 368191 376193 8002 2.17% 45401 13.72% Advances 262421 310423 322132 11709 3.77% 59711 22.75% Business Mix 593213 678614 698325 19711 2.90% 105112 17.72% CASA%(Global) 43.78% 40.99% 41.05% 6 bps (273 bps) CD Ratio%(Global) 79.33% 84.31% 85.63% 132 bps 630 bps CASA%(Domestic) 44.16% 41.46% 41.45% (1 bps) (271 bps) CD Ratio%(Domestic) 75.75% 82.00% 83.32% 132 bps 757 bps 13
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ADVANCES Parameters Jun-25 Mar-26 Jun-26 Q-o-Q variation Y-o-Y variation Amount % Amount % Retail 70803 91086 96637 5551 6.09% 25834 36.49% Agri 76548 103821 112403 8582 8.27% 35855 46.84% MSME 45246 50107 52554 2447 4.88% 7308 16.15% Total (RAM) 192597 245014 261594 16580 6.77% 68997 35.82% Corporate/others 51450 49390 44405 -4985 -10.09% -7045 -13.69% Domestic Advances 244048 294405 305999 11594 3.94% 61951 25.38% Global Advances 262421 310423 322132 11709 3.77% 59711 22.75% RAM to Adv (%) 73.39% 78.93% 81.21% 228 bps 782 bps Retail 32% Agri 37% MSME 17% Corporate/others 14% JUNE 26 (Rs. In Crores) 14
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RETAIL ADVANCES Period Domestic Advances Retail Advances % Share to Domestic Advances Jun-25 244048 70803 29.01% Sep-25 260416 78765 30.25% Dec-25 278605 83838 30.09% Mar-26 294405 91086 30.94% Jun-26 305999 96637 31.58% 70803 78765 83838 91086 96637 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Total Retail Advances 31578 32620 33919 34948 35942 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Housing Loans 5569 6199 6735 6984 7323 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Vehicle Loans Y-O-Y GROWTH% 36.49% Y-O-Y GROWTH% 13.82% Y-O-Y GROWTH% 31.50% (Rs. In Crores) 15
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AGRICULTURE ADVANCES Period Domestic Advances Agri Advances % Share to Domestic Advances Jun-25 244048 76548 31.37% Sep-25 260416 83023 31.88% Dec-25 278605 92996 33.38% Mar-26 294405 103821 35.26% Jun-26 305999 112403 36.73% 76548 83023 92996 103821 112403 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Agri Advances Y-O-Y GROWTH% 46.84% (Rs. In Crores) 16
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MSME ADVANCES Period Domestic Advances MSME Advances % Share to Domestic Advances Jun-25 244048 45246 18.54% Sep-25 260416 48494 18.62% Dec-25 278605 50635 18.17% Mar-26 294405 50107 17.02% Jun-26 305999 52554 17.17% 45246 48494 50635 50107 52554 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 MSME Advances 35363 38433 40450 40951 44339 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 CORE MSMEY-O-Y GROWTH% 16.15% Y-O-Y GROWTH% 25.38% (Rs. In Crores) 17
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INVESTMENT Parameters Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Domestic Investments 110176 112477 112229 115730 118617 SLR 83109 85240 84734 88552 91550 Non SLR 27067 27236 27495 27178 27067 Held to Maturity 90730 90128 88364 93019 95456 Available for Sale 15415 18030 19313 18449 20037 Held for Trading 1369 1517 1573 1440 385 Fair value through Profit & Loss account – FVTPL 1457 1583 1760 1604 1521 Subsidiaries, Associates and Joint Ventures 1205 1219 1219 1219 1219 Investment by Overseas Branches 4212 4307 3967 4079 3990 Global Investments 114388 116784 116196 119810 122607 (Rs. In Crores) 18
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VALUATIONS Particulars Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 * Return on Equity (%) 19.00 19.95 20.98 21.94 22.69 * Basic & Diluted Earning per Share 0.58 0.64 0.71 0.78 0.86 * Price Earning Ratio 67.21 61.78 50.89 40.23 39.64 Book value per share (in Rs) 12.41 13.13 13.90 14.60 15.79 Price/Book value (in Rs) 3.14 3.01 2.60 2.15 2.16 Adjusted Book value (in Rs) 11.98 12.73 13.53 14.27 15.48 Price/Adjusted Book value (in Rs) 3.25 3.11 2.67 2.20 2.20 * Quarterly 19
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NPA MANAGEMENT Details Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 i) Opening Gross NPAs 5348 5178 5078 4530 4410 a. Cash Recoveries 180 212 144 254 106 b. Upgradation 31 94 46 39 35 c. Write-Offs 238 108 601 242 174 d. Sale to ARCs 0 32 47 64 0 ii) Total Reductions (a+b+c+d+e) 449 446 838 600 316 iii) Fresh Slippages to NPA category 254 290 301 366 195 iv) Other Debits 26 55 -11 113 4 Closing Gross NPAs (i-ii+iii+iv) 5178 5078 4530 4410 4292 Gross NPA (%) 1.97% 1.83% 1.54% 1.42% 1.33% Net NPAs (Absolute) 816 776 708 638 588 Net NPA (%) 0.32% 0.28% 0.24% 0.21% 0.18% Provision Coverage Ratio 97.47% 97.48% 97.49% 97.50% 97.67% f . Recovery from Tech Write off accounts 609 445 635 564 497 f. i) Of which Reduction 575 419 608 544 489 g. Recovery from overseas set off accounts 20 16 0 0 0 h. Recovery from uncharged interest 12 76 19 39 16 Total Recovery(a+b+d+f+g+h) 851 874 890 960 654 (Rs. In Crores) 20
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NPA MANAGEMENT 1.97% 1.83% 1.54% 1.42% 1.33% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 GNPA(%) 0.32% 0.28% 0.24% 0.21% 0.18% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 NNPA(%) 97.47% 97.48% 97.49% 97.50% 97.67% 84.24% 84.71% 84.37% 85.54% 86.29% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 PCR(%) PCR (Including techwrite off) PCR (excluding techwrite off) 0.10% 0.11% 0.11% 0.13% 0.06% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 SLIPPAGE RATIO 21
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SECTOR-WISE CREDIT DEPLOYMENT & NPA Segmental NPAs Jun-25 Mar-26 Jun-26 ADV NPA Ratio % ADV NPA Ratio % ADV NPA Ratio % Retail 70803 822 1.16% 91086 529 0.58% 96637 511 0.53% Agri 76548 1603 2.09% 103821 1147 1.10% 112403 1095 0.97% MSME 45246 1185 2.62% 50107 1209 2.41% 52554 1176 2.24% RAM 192598 3611 1.87% 245015 2885 1.18% 261594 2781 1.06% Corporate 51450 221 0.43% 49390 117 0.24% 44405 111 0.25% Domestic Advance 244048 3831 1.57% 294405 3002 1.02% 305999 2893 0.95% Overseas 18373 1347 7.33% 16018 1408 8.79% 16133 1399 8.68% Total 262421 5178 1.97% 310423 4410 1.42% 322132 4292 1.33% (Rs. In Crores) 22
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CAPITAL ADEQUACY Particulars Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Market Risk RWA 2898 2781 2773 2185 1907 Operational Risk RWA 22587 22587 22587 22587 26365 Credit Risk RWA 153666 158915 177382 173159 185441 Total RWA (A) 179152 184284 202743 197932 213713 CET 1 28278 28625 28368 33524 36081 CET 1% 15.78% 15.53% 13.99% 16.94% 16.88% Tier 1 28278 28625 28368 33524 36081 Tier 1% 15.78% 15.53% 13.99% 16.94% 16.88% Tier 2 4476 4441 4672 5619 5283 Tier 2% 2.50% 2.41% 2.30% 2.84% 2.47% Total Capital (B) 32754 33066 33040 39144 41364 CRAR (B/A) 18.28% 17.94% 16.30% 19.78% 19.36% Total RWA to Advance Ratio 68.27% 66.30% 68.73% 63.76% 66.34% Credit RWA to Advance Ratio 58.56% 57.17% 60.13% 55.78% 57.57% (Rs. In Crores) 23
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MOVEMENT OF CRAR & RWAs 58.56% 57.17% 60.13% 55.78% 57.57% JUN -25 SEP -25 DEC -25 MAR -26 JUN -26 CREDIT RWA TO ADVANCE RATIO 18.28% 17.94% 16.30% 19.78% 19.36% JUN -25 SEP -25 DEC -25 MAR -26 JUN -26 CRAR 68.27% 66.30% 68.73% 63.76% 66.34% JUN -25 SEP -25 DEC -25 MAR -26 JUN -26 TOTAL RWA TO ADVANCE RATIO 24
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FINANCIAL INCLUSION 89.63 91.55 93.37 94.57 96.25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 PMJDY Account (Number in Lakhs) PMJDY Account (Number in Lakhs) 2.05 2.07 2.07 2.07 2.08 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 PMJDY Zero balance Accounts No in Lakhs PMJDY Zero balance Accounts (no in lakhs) 39.17 47.20 49.70 85.52 99.16 102.38 17.4 19.90 20.78 Jun-25 Mar-26 Jun-26 Jansuraksha Scheme (In Lakhs) PMJJBY PMSBY APY 3867 3879 3887 3991 4200 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 PMJDY Account Balance(in Crs) PMJDY Account Balance 25
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CUSTOMER TOUCH POINT Presence Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Domestic Branches 3345 3373 3438 3494 3522 Overseas Branches 4 4 4 4 4 ATM/CR 3461 3567 3622 3651 3691 BC 10872 11467 11959 12187 13401 Metro, 740, 21% Urban, 720, 21%Semi Urban, 1103, 31% Rural, 959, 27% JUNE-26 DOMESTIC BRANCHES 26
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SHARE HOLDING PATTERN AS ON 30.06.2026 Category of Shareholder % share Government of India 92.44% FI/Banks 0.33% Foreign Portfolio Investor (Corporate) 0.47% Mutual Funds 0.24% Insurance Companies 3.72% Bodies Corporate 0.07% Individual 2.40% ESOP/ESOS/ESPS 0.19% NRI 0.06% HUF 0.06% LLP 0.02% Government of India, 92.44% Institution, 4.83% Individual, 2.73% 27
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ASSETS & LIABILITIES Balance Sheet as at 30.06.2026 LIABILITIES Particulars Standalone Consolidated 30.06.2026 30.06.2025 30.06.2026 30.06.2025 Capital 1925659 1925659 1925659 1925659 Reserves and Surplus 2015660 1452128 1968898 1388010 Deposits 37619275 33079216 37619275 33079216 Borrowings 4723990 4040849 4723990 4040849 Other Liabilities & Provisions 1811066 913537 1811066 913551 Total 48095649 41411388 48048888 41347284 ASSETS Cash & Balance with RBI 1201504 1831232 1201504 1831232 Balance with Banks and Money at Call and Short Notice 772067 487042 772067 509064 Investments 12260748 11438772 12213986 11352595 Advances 31840121 25803178 31840121 25803178 Fixed Assets 501471 491503 501471 491503 Other Assets 1519739 1359661 1519739 1359713 Total 48095649 41411388 48048888 41347284 (Rs. In Lakhs) 28
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CASA & DEPOSITS GROWTH IN LAST 5 YEARS 113877 114113 125508 136161 150936 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 CASA (Rs. in Cr) 148283 146770 160397 175777 217256 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 TERM DEPOSITS (Rs. in Cr) 262160 260883 285905 311938 368191 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 TOTAL DEPOSITS (Rs. in Cr) 137234 130303 141219 155846 183601 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 RETAIL TERM DEPOSITS (Rs. in Cr) (Rs. In Crores) 29
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ADVANCES GROWTH IN LAST 5 YEARS 36961 42400 48514 62764 91086 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 RETAIL ADVANCES 38577 43988 55636 74545 103821 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 AGRI ADVANCES 29494 34856 41552 44310 50107 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MSME ADVANCES 155801 189009 219018 250019 310423 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 TOTAL ADVANCES (Rs. In Crores) 30
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RETAIL SEGMENT LOANS GROWTH IN LAST 5 YEARS 1095 1537 2083 2714 3353 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 Personal Loans 20483 24116 27621 31168 34948 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 Home Loans 3492 3751 4491 5311 6984 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 Vehicle Loans 36961 42400 48514 62764 91086 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 Total Retail Portfolio (Rs. In Crores) 31
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DECREASING NPA LEVELS & INCREASE IN PCR OVER 5 YEARS 15299 14072 6794 5348 4410 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 GROSS NPA (Rs. in Cr) 3825 3266 1217 912 638 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 NET NPA (Rs. in Cr) 2.65% 1.83% 0.57% 0.37%0.21% MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 NET NPA % 91.66% 92.63% 96.85% 97.30% 97.50% MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 PROVISION COVERAGE RATIO(%) 82.09% 82.95% 85.54% MAR-24 MAR-25 MAR-26 PCR(EXCLUDING TECH WRITE OFF) 9.82% 7.44% 3.10% 2.14% 1.42% MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 GROSS NPA % (Rs. In Crores) 32
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DIGITAL OUTREACH 3461 3567 3622 3651 3691 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 A T M / CD M ( N O O F O U T L ET S) 35.77 37.11 38.50 39.57 40.57 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 I N T E RN E T B A N K I NG R E G I S T E R E D U S E R S ( I N L A K H S ) 128.53 139.98 148.82 157.62 166.62 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 U P I R E G I S T ER ED U S E R S ( I N L A K H S) 105.71 115.77 121.65 129.58 137.65 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 M O B I L E B A N K I N G R E G I S T ER ED U S E R S ( I N L A K H S) 33
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TECHNOLOGY & DIGITAL INITIATIVES Self-Service & Mobile-First Digital Solutions Robotic Automation & AI/ML Leveraging Digital Public Infrastructure 34
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CUSTOMER CENTRIC INNOVATIONS IOB Digital Fixed Deposit (FD) – NTB Customers • 100% Digital FD Opening – No Branch Visit Required • Instant Account Creation with Seamless Onboarding • Secure Aadhaar-based & Video KYC Process • Paperless & Eco Friendly Banking VCIP • Instant digital account opening through hassle-free process by dedicated bank Officials • Secure authentication using OTP & through live face authentication reducing frauds and identity risks • Facility to open accounts even on Bank Holidays (except National Holidays) • Enriched with Credit card onboarding journeys • Intelligent Customer assistant Chatbot • Faster customer support through an AI-driven, always-on assistance platform. • Real time , round the clock support • Smooth escalation to Human agents IOB BUDDY 35
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CUSTOMER CENTRIC INNOVATIONS IOB Digital Hub (digital.iob.bank.in) • One stop digital platform for all banking needs • Instant access to anytime, anywhere banking services • End to end digital journey from account opening to loan services • Secure & Paperless banking experience DEH Revamped Internet Banking • Revamped Internet Banking • Bill Desk, PayU, BBPS, IOB Pay Integration enabled • Supports TNEB and Port Trust direct payments • Instant Customer Feedback through QR scan at branches/service points. Paperless & Contactless feedback collection mechanism. • Supports Continuous Service Improvement and customer- centric banking initiatives. QR Based Feedback 36
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CUSTOMER CENTRIC INNOVATIONS • Submit Life Certificate from home via Video Life Certificate • Secure Aadhar based digital verification • No Branch visit required – save time and effort Video Based life certificate IOB Online Re-KYC (Digital KYC Update) • Update KYC online without visiting branch • Quick & hassle-free Aadhaar- based validation • Secure digital authentication (OTP-based) • Multiple channels – Web, SMS & Email • Ensures uninterrupted banking services • One stop digital platform for all banking needs • Instant access to anytime, anywhere banking services • End to end digital journey from account opening to loan services • Secure & Paperless banking experience IOB Akshara PIN (Smart & Secure PIN Generation) 37
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CUSTOMER CENTRIC INNOVATIONS • Secure real time channel for accessing key banking services via Mobile • Fast, secure , paper less way to create Fixed deposits and Recurring deposits • Balance inquiry, re-KYC services, Cheque book requests, Feedback services and download of Form 16, 16A, 27D • Omnichannel platform WhatsApp Banking Mobile Banking • 40 lac+ retail users • ~15000 enrollments daily • ~3.5 daily logins • Multilingual Interface for 13 languages • Rupay Credit card integration • UPI integrated • ReKYC Submission • Unified Lending Interface • Amongst top 2 PSBs in number of loan disbursement via ULI • TN, MP,AP, UP & Odisha land records utilized in KCC STP journey • 2.62 lakh+ accounts processed • ₹5700+ crores disbursed RBIH – ULI 38
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EMPLOYEE CENTRIC INNOVATIONS • End-to-end digital Jewel Loan processing for faster disbursement and reduced TAT. • Standardized loan processing across branches for operational efficiency. • Digital jewel image capture for secure and streamlined documentation. IOB Gold Nest Geo location based lead generation • Location-based business lead identification. • Near real-time business discovery. • Early prospect engagement. • Verified business leads. • Targeted marketing for CA, MSME & Digital Banking. • Mobile app for Bank’s Panel Lawyers • Real time updates on Cases • Review of Panel Lawyers performance IOB Lawyer’s Diary 39
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EMPLOYEE CENTRIC INNOVATIONS • Any Time Any Where service delivery • 30+ services with Savings ,Current Account and 3-in-1 account opening • ReKYC via Self service mode • Multiple Nomination and Jansuraksha enrolments Tab Banking KYC Smart Scanner Mobile App • QR Based interface to scan KYC Documents • Real-time integration with COB, Re-KYC, and CKYC • 20+ Service requests like Issue/Activate/Block Debit Card, Credit/Debit freeze account, UDYAM number update etc., • Lead management with Social media leads integration • Call center integratio CRM 40
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EMPLOYEE CENTRIC INNOVATIONS • 90+ schemes across RAM segment • Efficient credit underwriting & quick credit delivery across Retail, Agri, MSME Customers. • Near 100% adoption on new channel Loan Origination System Robotic Process Automation • Enhance operational efficiency, accuracy, and minimize manual intervention. • Automated complaint management and batch processing 41
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Q4 FY 2026 Performance Analysis ESG INITIATIVES ENVIRONMENTAL (E) IOB Solar Loans IOB ECO Savings Account Digital Banking Focuses on reducing environmental impact and promoting sustainability. Financing Renewable Energy Projects IOB Green Deposit IOB Harit Subhagruha 42
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Q4 FY 2026 Performance Analysis ESG INITIATIVES SOCIAL (S) Financial Literacy Centers (Sneha) Friendly Work Environment Focuses on customers, employees, and society. The Sakthi IOB Chidambaram Chettiar Memorial Trust Various IOB Credit Scheme for Women 43
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Q4 FY 2026 Performance Analysis ESG INITIATIVES GOVERNANCE (G) Customer Right Policy Effective Customer Complaints Resolutions Focuses on ethical management, transparency, and compliance. Effective Monitoring Complying with all Guidelines & Regulations 44
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ACCOLADES & AWARDS Q4 FY 2026 Performance Analysis Skoch Award for our innovative project "Compliance Apexion" Proud moment for our bank as we've been honored with the prestigious Skoch Award for our innovative project "Compliance Apexion"! Our MD and CEO Shri Ajay Kumar Srivastava unveiled the same in the presence of EDs Shri Joydeep Dutta Roy and Shri Dhanaraj T, along with CGM Shri Nataraj and other executives. This accolade fuels our ambition to reach new heights in compliance. Here's to setting new standards and achieving excellence! 45
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PRODUCTS & SERVICES 46
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PRODUCTS & SERVICES 47
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DISCLAIMER Q4 FY 2026 Performance Analysis 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. 48
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