Slides
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For the Quarter /Half year ended 30th September 2025 Date:16.10.2025 Performance Analysis
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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 ---------- 40 ---------- 42 ---------- 44 ---------- 45 ……….. 51 2 INDEX Performance Analysis Q2/H1-FY26
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3 Shri M Ct M Chidambaram Chettyar IOB Founder Chairman Performance Analysis Q2/H1-FY26
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PERFORMANCE HIGHLIGHTS BUSINESS GROWTH PROFITABILITY 4 Parameters Quarter Ended Q-O-Q ( %) Y-O-Y ( %) Sep-24 Jun-25 Sep-25 BUSINESS GROWTH CASA 131856 144837 137387 -5.14% 4.19% CASA% 42.44% 43.78% 40.52% (326 bps) (192 bps) Total Deposits 310652 330792 339066 2.50% 9.15% Advances 230149 262421 277968 5.92% 20.78% Business 540801 593213 617034 4.02% 14.10% Parameters Quarter Ended Q-O-Q ( %) Y-o-Y ( %)Sep-24 Jun-25 Sep-25 PROFITABILITY Net Interest Income 2538 2746 3059 11.40% 20.53% Net Interest Margin 3.08% 3.04% 3.21% 17 bps 13 bps Operating Expenses 2042 1869 2025 8.35% -0.83% Operating Profit 2128 2358 2400 1.78% 12.78% Net Profit 777 1111 1226 10.35% 57.79% (Rs. In Crores) Performance Analysis Q2/H1-FY26
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PERFORMANCE HIGHLIGHTS ASSET QUALITY STRENGTHENING FINANCIAL INDICATORS 5 Parameters Quarter Ended Q-O-Q ( %) Y-o-Y (%)Sep-24 Jun-25 Sep-25 ASSET QUALITY Gross NPA 6249 5178 5078 -1.93% -18.74% Net NPA 1059 816 776 -4.90% -26.72% GNPA% 2.72% 1.97% 1.83% (14 bps) (89 bps) NNPA% 0.47% 0.32% 0.28% (4 bps) (19 bps) STRENGTHENING FINANCIAL INDICATORS Parameters Quarter Ended Q-O-Q ( %) Y-o-Y ( %)Sep-24 Jun-25 Sep-25 PCR 97.06% 97.47% 97.48% 1 bps 42 bps CRAR 17.45% 18.28% 17.94% (34 bps) 49 bps ROA 0.82% 1.14% 1.20% 6 bps 38 bps ROE 16.90% 19.00% 19.95% 95 bps 305 bps (Rs. In Crores) Performance Analysis Q2/H1-FY26
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FINANCIAL PERFORMANCE 6 Particulars Quarter Ending Half Year Ending Growth % Sep-24 Jun-25 Sep-25 HY 2024-25 HY 2025-26 Q-o-Q Sep 25 Over Jun 25 Y-o-Y Sep 25 Over Sep 24 HY 25-26 OVER HY 24-25 Interest Income 6851 7386 7849 13386 15234 6.27% 14.57% 13.81% Interest Expenses 4313 4639 4790 8407 9429 3.26% 11.06% 12.16% Net Interest Income 2538 2746 3059 4979 5805 11.40% 20.53% 16.59% Non Interest Income 1633 1481 1365 2666 2846 -7.83% -16.41% 6.75% Operating Income 4171 4227 4425 7646 8652 4.68% 6.09% 13.16% Operating Expenses 2042 1869 2025 3841 3894 8.35% -0.83% 1.38% Operating Profit 2128 2358 2400 3804 4758 1.78% 12.78% 25.08% Total Provisions 1146 844 673 2084 1517 -20.26% -41.27% -27.21% Tax expenses 205 403 501 310 904 24.32% 144.39% 191.61% Net Profit/Loss 777 1111 1226 1410 2337 10.35% 57.79% 65.74% (Rs. In Crores) Performance Analysis Q2/H1-FY26
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TOTAL INCOME 7 Particulars Quarter Ending Half Year Ending Growth % Sep-24 Jun-25 Sep-25 HY 2024-25 HY 2025-26 Q-o-Q Sep 25 Over Jun 25 Y-o-Y Sep 25 Over Sep 24 HY 25-26 OVER HY 24-25 Interest on Loans 5055 5509 5920 9885 11429 7.46% 17.11% 15.62% Interest on Investment 1754 1829 1872 3413 3701 2.35% 6.73% 8.44% Other Interest Income 42 48 57 87 105 18.75% 35.71% 20.69% Total Interest Income 6851 7386 7849 13386 15234 6.27% 14.57% 13.81% Exchange & Commission 373 398 452 689 850 13.57% 21.18% 23.37% Profit / Loss on Sale of Investments 67 207 148 289 355 -28.50% 120.90% 22.84% Profit on Exchange 6 -26 -8 33 -34 69.23% -233.33% -203.03% Recovery from technical Written of Account 988 574 416 1296 990 -27.53% -57.89% -23.61% All other Income 199 329 358 359 687 8.81% 79.90% 91.36% Total Non Interest Income 1633 1481 1365 2666 2846 -7.83% -16.41% 6.75% Total Income 8484 8866 9214 16052 18081 3.93% 8.60% 12.64% (Rs. In Crores) Performance Analysis Q2/H1-FY26
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FEE BASED INCOME 8 Particulars Quarter Ending Half Year Ending Growth % Sep-24 Jun-25 Sep-25 HY 2024-25 HY 2025-26 Q-o-Q Sep 25 Over Jun 25 Y-o-Y Sep 25 Over Sep 24 HY 25-26 OVER HY 24-25 A.Exchange & Commission 127 121 115 248 236 -4.96% -9.45% -4.84% B.Income from Non Fund Based Business 42 60 72 81 132 20.00% 71.43% 62.96% C.Processing charges 125 109 127 206 236 16.51% 1.60% 14.56% D.ATM/DBD Related Income 97 97 136 191 233 40.21% 40.21% 21.99% E.Marketing/FI/Govt Business 15 17 13 33 30 -23.53% -13.33% -9.09% F.Miscellaneous Income 56 243 263 149 506 8.23% 369.64% 239.60% FEE BASED INCOME (A+B+C+D+E+F) 462 647 727 908 1374 12.36% 57.36% 51.32% Overseas 16 18 14 32 32 -22.22% -12.50% 0.00% Fee Based Income - Global 478 665 740 939 1405 11.28% 54.81% 49.63% (Rs. In Crores) Performance Analysis Q2/H1-FY26
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TOTAL EXPENSES 9 Particulars Quarter Ending Half Year Ending Growth % Sep-24 Jun-25 Sep-25 HY 2024-25 HY 2025-26 Q-o-Q Sep 25 Over Jun 25 Y-o-Y Sep 25 Over Sep 24 HY 25-26 OVER HY 24-25 Interest on Deposits 3784 4006 4117 7372 8123 2.77% 8.80% 10.19% Interest on Borrowings 529 633 672 1035 1305 6.16% 27.03% 26.09% Total Interest Expenses 4313 4639 4790 8407 9429 3.26% 11.06% 12.16% Staff Expenses 1341 1166 1172 2465 2338 0.51% -12.60% -5.15% Other Expenses 702 703 853 1375 1555 21.34% 21.51% 13.09% Operating Expenses 2042 1869 2025 3841 3894 8.35% -0.83% 1.38% Total Expenses 6356 6509 6814 12248 13323 4.69% 7.21% 8.78% (Rs. In Crores) Performance Analysis Q2/H1-FY26
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PROFIT PARAMETER (Rs. In Crores) 10 Particulars Quarter Ending Half Year Ending Growth % Sep-24 Jun-25 Sep-25 HY 2024-25 HY 2025-26 Q-o-Q Sep 25 Over Jun 25 Y-o-Y Sep 25 Over Sep 24 HY 25-26 OVER HY 24-25 Operating Profit 2128 2358 2400 3804 4758 1.78% 12.78% 25.08% Provisions 1146 844 673 2084 1517 -20.26% -41.27% -27.21% of which NPA Provisions 71 178 121 234 300 -32.02% 70.42% 28.21% Other Provisions 1075 666 552 1850 1217 -17.12% -48.65% -34.22% Tax Expenses 205 403 501 310 904 24.32% 144.39% 191.61% Net Profit 777 1111 1226 1410 2337 10.35% 57.79% 65.74% 2128 2358 2400 1351 1247 1174 777 1111 1226 Sep-24 Jun-25 Sep-25 Q-o-Q Operating Profit Provisions & Others Net Profit 3804 4758 2394 2421 1410 2337 HY 2024-25 HY 2025-26 Half Yearly Operating Profit Provisions & Others Net Profit Performance Analysis Q2/H1-FY26
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PERFORMANCE RATIOS - QUARTERLY 11 5.15 5.08 5.17 5.10 5.05 SEP 24 DEC 24 MAR 25 JUN 25 SEP 25 COST OF DEPOSITS(%) 5.13 5.24 5.29 5.22 5.16 SEP 24 DEC 24 MAR 25 JUN 25 SEP 25 COST OF FUNDS(%) 8.97 9.02 8.78 8.92 8.94 SEP 24 DEC 24 MAR 25 JUN 25 SEP 25 YIELD ON ADVANCES % (GLOBAL) 9.30 9.33 9.11 9.18 9.19 SEP 24 DEC 24 MAR 25 JUN 25 SEP 25 YIELD ON ADVANCES % (DOMESTIC) Performance Analysis Q2/H1-FY26
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PERFORMANCE RATIOS - QUARTERLY 12 6.91 6.86 6.77 6.75 6.62 SEP 24 DEC 24 MAR 25 JUN 25 SEP 25 YIELD ON INVESTMENT % 8.28 8.45 8.69 8.15 8.19 SEP 24 DEC 24 MAR 25 JUN 25 SEP 25 YIELD ON FUNDS(%) 0.82 0.93 1.12 1.14 1.20 SEP 24 DEC 24 MAR 25 JUN 25 SEP 25 RETURN ON ASSETS 48.97 44.55 44.35 44.22 45.76 SEP 24 DEC 24 MAR 25 JUN 25 SEP 25 COST TO INCOME Performance Analysis Q2/H1-FY26
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PERFORMANCE RATIOS - QUARTERLY 13 3.21 3.47 3.77 3.17 3.35 SEP 24 DEC 24 MAR 25 JUN 25 SEP 25 NET INTEREST MARGIN % (DOMESTIC) 3.08 3.33 3.58 3.04 3.21 SEP 24 DEC 24 MAR 25 JUN 25 SEP 25 NET INTEREST MARGIN % (GLOBAL) Performance Analysis Q2/H1-FY26
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BUSINESS PERFORMANCE 14 Particulars Sep-24 Jun-25 Sep-25 Q-o-Q variation Y-o-Y variation Amount % Amount % CASA 131856 144837 137387 -7450 -5.14% 5531 4.19% Retail Term Deposits 149374 161371 171384 10013 6.20% 22010 14.73% Term Deposits 178796 185955 201679 15724 8.46% 22883 12.80% Total Deposits 310652 330792 339066 8274 2.50% 28414 9.15% Advances 230149 262421 277968 15547 5.92% 47819 20.78% Business Mix 540801 593213 617034 23821 4.02% 76233 14.10% CASA%(Global) 42.44% 43.78% 40.52% (326 bps) (192 bps) CD Ratio%(Global) 74.09% 79.33% 81.98% 265 bps 789 bps CASA%(Domestic) 42.76% 44.16% 41.01% (315 bps) (175 bps) CD Ratio%(Domestic) 70.31% 75.75% 78.78% 303 bps 847 bps (Rs. In Crores) Performance Analysis Q2/H1-FY26
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BUSINESS COMPOSITION 15 Retail 30% Agri 32% MSME 19% Corporate/Others 19% % SHARE OF DOMESTIC ADVANCE- SEP 25 Savings Bank 18% Current Deposits 4% Term Deposits 33% Advances 45% BUSINESS PORTFOLIO SHARE SEP 25 Metro 47% Urban 22% Semi-Urban 19% Rural 12% POP CATEGORY WISE DISTRIBUTION OF DEPOSITS: SEP 25 Performance Analysis Q2/H1-FY26
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ADVANCES 16 Parameters Sep-24 Jun-25 Sep-25 Q-o-Q variation Y-o-Y variation Amount % Amount % Retail 54291 70803 78765 7962 11.25% 24474 45.08% Agri 65327 76548 83023 6475 8.46% 17696 27.09% MSME 41574 45246 48494 3248 7.18% 6920 16.65% Corporate/others 51802 51450 50133 -1317 -2.56% -1669 -3.22% Domestic Advances 212994 244047 260416 16369 6.71% 47422 22.26% Overseas Advances 17154 18373 17552 -821 -4.47% 398 2.32% Global Advances 230148 262420 277968 15548 5.92% 47820 20.78% RAM to Domestic Adv (%) 75.68% 78.92% 80.75% 183 bps 507 bps Retail 25% Agri 31% MSME 20% Corporate/others 24% SEP-2024 Retail 30% Agri 32% MSME 19% Corporate/others 19% SEP-2025 (Rs. In Crores) Performance Analysis Q2/H1-FY26
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RAM PERFORMANCE 17 Parameters Sep-24 Jun-25 Sep-25 Q-o-Q % Y-o-Y % RETAIL CREDIT 54291 70802 78765 11.25% 45.08% Of which Home 29927 31578 32620 3.30% 9.00% Vehicle 4919 5569 6199 11.31% 26.02% Personal 2417 2879 3109 7.99% 28.63% Education 2676 2417 2489 2.98% -6.99% Others 14352 28359 34349 21.12% 139.33% AGRI 65327 76548 83023 8.46% 27.09% MSME 41574 45246 48494 7.18% 16.65% Of which Micro 20178 23820 31426 31.93% 55.74% Small 7883 12098 11290 -6.68% 43.22% Medium 13514 9328 5778 -38.06% -57.24% Home 41% Education 3% Vehicle 8% Personal 4% Others 44% RETAIL BREAK UP - SEP 25 (Rs. In Crores) Performance Analysis Q2/H1-FY26
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AGRICULTURE 18 Period Domestic Advances Agri Advances % Share to Domestic Advances Sep-24 212995 65327 30.67% Dec-24 219472 69139 31.50% Mar-25 233501 74545 31.92% Jun-25 244048 76548 31.37% Sep-25 260416 83023 31.88% 65327 69139 74545 76548 83023 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Agri Advances Sep-25 (Rs. In Crores) Performance Analysis Q2/H1-FY26
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MSME 19 Category Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Micro 20178 23489 23659 23820 31426 Small 7883 10588 11079 12098 11290 Medium 13514 9047 9572 9328 5778 Total 41575 43124 44310 45246 48494 Micro, 64.80% Small, 23.28% Medium , 11.91% MSME BREAKUP SEP-25 Micro, 48.53% Small, 18.96% Medium , 32.51% MSME BREAKUP SEP-24 (Rs. In Crores) Performance Analysis Q2/H1-FY26
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INVESTMENT 20 Parameters Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Domestic Investments 103128 104939 107020 110176 112477 SLR 78218 80006 80701 83109 85240 Non SLR 24910 24933 26319 27067 27236 Held to Maturity 90232 90969 88785 90730 90128 Available for Sale 11213 12170 15787 15415 18030 Held for Trading 250 323 381 1369 1517 Fair value through Profit & Loss account – FVTPL 817 861 1451 1457 1583 Subsidiaries, Associates and Joint Ventures 616 616 616 1205 1219 Investment by Overseas Branches 4284 4171 4026 4212 4307 Global Investments 107412 109110 111046 114388 116784 (Rs. In Crores) Performance Analysis Q2/H1-FY26
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VALUATIONS 21 Particulars Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 * Return on Equity (%) 16.90 17.86 19.53 19.00 19.95 *Basic & Diluted Earning per Share 0.41 0.46 0.56 0.58 0.64 *Price Earning Ratio 140.41 111.90 69.59 67.21 61.78 Book value per share (in Rs) 10.04 10.66 12.11 12.41 13.13 Price/Book value (in Rs) 5.75 4.85 3.22 3.14 3.01 Adjusted Book value (in Rs) 9.48 10.15 11.63 11.98 12.73 Price/Adjusted Book value (in Rs) 6.09 5.10 3.35 3.25 3.11 *Quarterly Performance Analysis Q2/H1-FY26
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NPA MANAGEMENT 22 Details Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 i) Opening Gross NPAs 6649 6249 6071 5348 5178 a. Cash Recoveries 219 170 263 180 212 b. Upgradation 102 76 75 31 94 c. Write-Offs 370 219 3043 238 108 d. Sale to ARCs 0 0 95 0 32 ii) Total Reductions (a+b+c+d) 691 465 3476 449 446 iii) Fresh Slippages to NPA category 251 284 2756 254 290 Iv) Other Debits 40 2 -3 26 55 Closing Gross NPAs (i-ii+iii+iv) 6249 6071 5348 5178 5078 Gross NPA (%) 2.72% 2.55% 2.14% 1.97% 1.83% Net NPAs 1059 976 912 816 776 Net NPA (%) 0.47% 0.42% 0.37% 0.32% 0.28% Provision Coverage Ratio 97.06% 97.07% 97.30% 97.47% 97.48% f. Recovery from Tech Write off accounts 1041 676 522 609 445 f. i) Of which Reduction 988 650 480 575 419 g. Recovery from overseas set off accounts 78 0 8 20 16 h. Recovery from uncharged interest 43 34 29 12 76 Total Recovery(a+b+d+f+g+h) 1482 957 992 851 874 (Rs. In Crores) Performance Analysis Q2/H1-FY26
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NPA MANAGEMENT 23 2.72% 2.55% 2.14% 1.97% 1.83% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 GNPA(%) 0.47% 0.42% 0.37% 0.32% 0.28% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 NNPA(%) 97.06% 97.07% 97.30% 97.47% 97.48% 83.05% 83.92% 82.95% 84.24% 84.71% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 PCR(%) PCR (Including techwrite off) PCR (excluding techwrite off) 0.11% 0.13% 1.19% 0.10% 0.11% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 SLIPPAGE RATIO Performance Analysis Q2/H1-FY26
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SECTOR-WISE CREDIT DEPLOYMENT & NPA 24 Segmental NPAs Sep-24 Jun-25 Sep-25 ADV NPA Ratio % ADV NPA Ratio % ADV NPA Ratio % Retail 54291 935 1.72% 70803 822 1.16% 78765 839 1.07% Agri 65327 1920 2.94% 76548 1603 2.09% 83023 1539 1.85% MSME 41574 1754 4.22% 45246 1185 2.62% 48494 1149 2.37% RAM 161193 4610 2.86% 192598 3611 1.87% 210283 3526 1.68% Corporate 51802 282 0.54% 51450 221 0.43% 50133 167 0.33% Domestic Advance 212995 4892 2.30% 244048 3831 1.57% 260416 3694 1.42% Overseas 17154 1357 7.91% 18373 1347 7.33% 17552 1384 7.89% Total 230149 6249 2.72% 262421 5178 1.97% 277968 5078 1.83% (Rs. In Crores) Performance Analysis Q2/H1-FY26
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CAPITAL ADEQUACY 25 Particulars Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Market Risk RWA 1441 1353 1341 2898 2781 Operational Risk RWA 19183 19183 19183 22587 22587 Credit Risk RWA 130555 137216 148560 153666 158915 Total RWA (A) 151179 157753 169084 179152 184284 CET 1 22300 22601 28972 28278 28625 CET 1% 14.75% 14.33% 17.13% 15.78% 15.53% Tier 1 22300 22601 28972 28278 28625 Tier 1% 14.75% 14.33% 17.13% 15.78% 15.53% Tier 2 4087 4170 4412 4476 4441 Tier 2% 2.70% 2.64% 2.61% 2.50% 2.41% Total Capital (B) 26386 26772 33384 32754 33066 CRAR (B/A) 17.45% 16.97% 19.74% 18.28% 17.94% Total RWA to Advance Ratio 65.69% 66.39% 67.63% 68.27% 66.30% Credit RWA to Advance Ratio 56.73% 57.74% 59.42% 58.56% 57.17% (Rs. In Crores) Performance Analysis Q2/H1-FY26
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MOVEMENT OF CRAR & RWAs 26 56.73% 57.74% 59.42% 58.56% 57.17% SEP -24 DEC -24 MAR -25 JUN -25 SEP -25 CREDIT RWA TO ADVANCE RATIO 17.45% 16.97% 19.74% 18.28% 17.94% SEP -24 DEC -24 MAR -25 JUN -25 SEP -25 CRAR 65.69% 66.39% 67.63% 68.27% 66.30% SEP -24 DEC -24 MAR -25 JUN -25 SEP -25 TOTAL RWA TO ADVANCE RATIO Performance Analysis Q2/H1-FY26
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FINANCIAL INCLUSION 27 83.41 85.89 87.84 89.63 91.55 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 PMJDY Account (Number in Lakhs) PMJDY Account (Number in Lakhs) 2.04 2.02 2.02 2.05 2.07 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 PMJDY Zero balance Accounts No in Lakhs PMJDY Zero balance Accounts (no in lakhs) 32.77 39.17 42.01 75.04 85.52 90.10 15.04 17.40 18.15 Sep-24 Jun-25 Sep-25 Jansuraksha Scheme (In Lakhs) PMJJBY PMSBY APY 3646 3767 3835 3867 3879 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 PMJDY Account Balance(in Crs) PMJDY Account Balance Performance Analysis Q2/H1-FY26
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CASA & Deposits Growth in last 5 years 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 (Rs. In Crores) Performance Analysis Q2/H1-FY26
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Advances Growth in last 5 years 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 (Rs. In Crores) Performance Analysis Q2/H1-FY26
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Retail Segment Loans growth in last 5 years 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 (Rs. In Crores) Performance Analysis Q2/H1-FY26
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Decreasing NPA Levels & Increase in PCR over 5 years 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 (Rs. In Crores) Performance Analysis Q2/H1-FY26
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Focus Areas Customer Centricity Digital Innovation Operational Efficiency Technology & Digital Initiatives 32 Value Delivery Performance Analysis Q2/H1-FY26
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Customer Centricity Prioritizing the overall customer experience by tailoring services to meet customer needs and preferences 02 WhatsApp Banking providing seamless access to services like Balance Inquiry, Mini statement, ATM locator, Branch locator with Google map link for directions, Click to call features to contact branch manager launched for customer convenience. 04 QR Based Feedback portal to facilitate customers to provide multi-perspective feedback about the staff courtesy, ambience, fulfilllment of visit purpose. 05 Re KYC facilitated via SMS, E-mail , Web channels enabling customers keep their information up-to-date with the bank right from comfort of their home. Mobile Banking platform has been revamped, and new app is launched providing customers with built-in UPI, Bill payments & Account Aggregator functionalities ensuring best in class experience 01 Technology & Digital Initiatives 33 03 Tab Banking with 25+ services like Savings, Current Account opening, 3-in-1 Acs (Demat, Trading along with Savings account), Jansuraksha enrolments, Nomination management available for any time any where service delivery to customers. Internal Performance Analysis Q2/H1-FY26
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Digital Innovation Pioneer in multiple digital initiatives with commitment towards transforming user experience 02 03 Location intelligence built-in banking outlet locator – “www.locate.iob.in” enhancing ease for customers to contact or visit our outlets. Integrated with Google map for ease of navigation, provides Branch manager contact details for click to call. An innovative, AI-powered tool “www.aksharapin.iob.in” launched to create personalized banking PINs using the elegance of the Tamil script, promoting cyber security awareness and need for strong PINs. 01 Technology & Digital Initiatives 04 Robotic Process automation , automates repetitive tasks, increasing efficiency and reducing manual errors through faster processing times. Promote collaboration with Fintechs, Digital Public Infrastructures, undertake Proof of Concepts on emerging technologies to develop unique solutions for a differentiated user experience Internal Performance Analysis Q2/H1-FY26
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Operational Efficiency Enhancing operational efficiency powered through blend of digital centric process re- engineering and digital solutions 02 Integrated Payment Hub Solutions for faster and seamless processing of payment instructions and facilitating host to host based banking transactions with Virtual Account Number (VAN) facility for corporates. Simplified IMPS payments, seamless payment processing for various Govt schemes. 03 Loan Origination System, Co-lending Systems for efficient credit underwriting & quick credit delivery across Retail, Agri, MSME Customers. 04 Specialized Digital Solutions with workflows for efficient processing of internal process approvals across the organizational pyramid. Digital solutions & workflow for Collection management, Recovery actions like Civil Suit, DRT, SARFAESI for timely actions enhancing collection and recovery efficiency. 01 Technology & Digital Initiatives 35 05 State of the art CRM solution with rich features like CRM 360, Lead management & Complaint management to provide prompt and best customer experience with 20+ Service requests like Issue/Activate/Block Debit Card, Credit/Debit freeze account, UDYAM number update etc. Internal Performance Analysis Q2/H1-FY26
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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 36Internal Performance Analysis Q2/H1-FY26
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IOB WhatsApp Banking 37 www.digital.iob.in Internal Performance Analysis Q2/H1-FY26
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IOB CONNECT 38 www.digital.iob.in Internal Performance Analysis Q2/H1-FY26
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DIGITAL OUTREACH 39 3501 3503 3497 3461 3567 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 A T M / C D M ( N O O F O U T L E T S ) 31.45 32.90 34.18 35.77 37.11 Sep-24 Dec-24 Mar-25 Jun-25 Sep-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 ) 104.06 112.22 120.69 128.53 139.98 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 U P I R E G I S T E R E D U S E R S ( I N L A K H S) 90.17 91.43 102.18 105.71 115.77 Sep-24 Dec-24 Mar-25 Jun-25 Sep-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 ) Performance Analysis Q2/H1-FY26
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CUSTOMER TOUCH POINT PAN INDIA 40 Domestic Presence Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Branches 3269 3322 3335 3345 3373 ATM/CR 3501 3503 3497 3461 3567 BC 8023 9041 10135 10872 11467 Metro, 720, 21% Urban, 691, 21% Semi Urban, 1028, 30% Rural, 934, 28% SEP-25 BRANCHES Performance Analysis Q2/H1-FY26
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HONG KONG BRANCH COLOMBO BRANCH SINGAPORE BRANCH BANGKOK BRANCH FOREIGN OUTREACH 41 Performance Analysis Q2/H1-FY26
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SHARE HOLDING PATTERN 42 Category of Shareholder % share Government of India 94.61% FI/Banks 0.34% Foreign Portfolio Investor (Corporate) 0.31% Mutual Funds 0.12% Insurance Companies 1.84% Bodies Corporate 0.16% Individual 2.29% ESOP/ESOS/ESPS 0.20% NRI 0.05% HUF 0.07% LLP 0.01% Government of India, 94.61% Institution, 2.77% Individual, 2.62% SHARE HOLDING PATTERN AS ON 30.09.2025 Performance Analysis Q2/H1-FY26
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STRATERGIC INVESTMENT 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. 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 Q2/H1-FY26
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ASSETS & LIABILITIES 44 Balance Sheet as at 30.09.2025 LIABILITIES Particulars Standalone Consolidated 30.09.2025 30.09.2024 30.09.2025 30.09.2024 Capital 1925659 1890241 1925659 1890241 Reserves and Surplus 1557905 956977 1497470 920231 Deposits 33906596 31065222 33906596 31076959 Borrowings 4643319 2876420 4643319 2876420 Other Liabilities & Provisions 1215235 872307 1215249 872408 Total 43248715 37661167 43188293 37636258 ASSETS Cash & Balance with RBI 2025714 2046877 2025714 2046980 Balance with Banks and Money at Call and Short Notice 302796 233840 325452 252591 Investments 11678374 10740448 11595290 10695319 Advances 27363983 22491548 27363983 22492622 Fixed Assets 498903 373581 498903 373592 Other Assets 1378944 1774873 1378952 1775155 Total 43248715 37661167 43188293 37636258 (Rs. In Lakhs) Performance Analysis Q2/H1-FY26
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ENVIRONMENTAL SOCIAL GOVERNANCE ESG INITIATIVES 45 Performance Analysis Q2/H1-FY26
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ENVIRONMENTAL SOCIAL GOVERNANCE ESG INITIATIVES 46 Performance Analysis Q2/H1-FY26
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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 ESG INITIATIVES 47 Performance Analysis Q2/H1-FY26
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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 ESG INITIATIVES 48 Performance Analysis Q2/H1-FY26
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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) ESG INITIATIVES 49 Performance Analysis Q2/H1-FY26
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EFFECTIVE MONITORING COMPLYING WITH ALL GUIDELINES ®ULATIONS EFFECTIVE CUSTOMER COMPLAINTS RESOLUTION CUSTOMER RIGHT POLICY ENVIRONMENTAL SOCIAL GOVERNANCE ESG INITIATIVES 50 Performance Analysis Q2/H1-FY26
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51 ACCOLADES & AWARDS Our Managing Director and Chief Executive Officer, Shri Ajay Kumar Srivastava, receiving the Rajbhasha Kirti Award for the third consecutive year in the category of Official Language Implementation from the hands of Union Home and Cooperation Minister, Honorable Amit Shah ji Performance Analysis Q2/H1-FY26
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52 ACCOLADES & AWARDS Under the dynamic leadership of our MD & CEO Shri Ajay Kumar Srivastava, Indian Overseas Bank has been honored with the prestigious SKOCH Awards under the BFSI Platinum category for IOB SMART(in house app) & Risk Management Performance Analysis Q2/H1-FY26
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53 ACCOLADES & AWARDS Performance Analysis Q2/H1-FY26
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54 EVENTS & INITIATIVES On the auspicious occasion of Hindi Diwas, the book *'Gyan Kshitiz par Hindi'* published by Indian Overseas Bank was released by the Union Home and Cooperation Minister, Honorable Amit Shah ji. Also present on the stage is - our Managing Director & Chief Executive Officer, Shri Ajay Kumar Srivastava Performance Analysis Q2/H1-FY26
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55 EVENTS & INITIATIVES Shri Ashish Madhaorao More, IAS, Joint Secretary, Department of Financial Services (DFS), along with Shri Ajay Kumar Srivastava, MD & CEO, IOB , along with the Executive Directors and the Chief Vigilance Officer (CVO) of the Bank chaired a review meeting at our Central Office where the Bank’s progress across various parameters was showcased Performance Analysis Q2/H1-FY26
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56 EVENTS & INITIATIVES Performance Analysis Q2/H1-FY26
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57 EVENTS & INITIATIVES IOB sanctioned ₹202.65 crore to 2,634 beneficiaries during the Mega SHG and Agri Credit Outreach held at Thanjavur, spanning five districts. MD & CEO Shri Ajay Kumar Srivastava emphasized IOB’s continued focus on empowering women and promoting sustainable rural growth Performance Analysis Q2/H1-FY26
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58 EVENTS & INITIATIVES A special FI Saturation Camp was held at Poigaikaraipatti, Madurai with RBI Dy Governor Shri J. Swaminathan, District Collector Thiru K.J. Praveen Kumar, IAS, Shri Joydeep Dutta Roy, Executive Director IOB & other senior dignitaries Performance Analysis Q2/H1-FY26
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59 EVENTS & INITIATIVES Indian Overseas Bank conducted a Mega SHG & Agriculture Credit Outreach Programme in Salem on 31.07.2025, where Shri Dhanaraj T, Executive Director, addressed the gathering and handed over sanction letters Performance Analysis Q2/H1-FY26
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60 PRODUCTS & SERVICES Performance Analysis Q2/H1-FY26
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61 PRODUCTS & SERVICES Performance Analysis Q2/H1-FY26
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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 62 Performance Analysis Q2/H1-FY26
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Official Social Media Handles of Indian Overseas Bank 63 YOUTUBE : 10,90,701 followers - https://www.youtube.com/@IOBIndia/ FACEBOOK : 4,94,208 followers - https://www.facebook.com/IOBIndia.in INSTAGRAM : 3,82,281 followers - https://www.instagram.com/iobindia/ X (TWITTER): 58,880 followers - https://x.com/IOBIndia LINKEDIN : 45,767 followers - https://www.linkedin.com/company/indian-overseas-bank/ THREADS : 20,948 followers - https://www.threads.net/@iobindia Performance Analysis Q2/H1-FY26
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64 Thank you 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 www.iob.bank.in