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Performance Analysis January 14, 2026 1800 890 4445 | 1800 425 4445 @IOBIndia +91 96777 11234www.iob.bank.in For the Quarter /9 months ended 31st December 2025
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VISION PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION CUSTOMER TOUCH POINT SHARE HOLDING PATTERN ASSETS & LIABILITIES DIGITAL INITIATIVES ESG INITIATIVES ACCOLADES & AWARDS ---------- 3 ---------- 4 ---------- 6 ---------- 14 ---------- 22 ---------- 25 ---------- 27 ---------- 29 ---------- 31 ---------- 32 ---------- 37 ---------- 46 ……….. 52 2 INDEX Performance Analysis Q3/9M-FY26
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3 Shri M Ct M Chidambaram Chettyar IOB Founder Chairman Performance Analysis Q3/9M-FY26
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PERFORMANCE HIGHLIGHTS BUSINESS GROWTH PROFITABILITY 4 Parameters Quarter Ended Q-O-Q ( %) Y-O-Y ( %) Dec-24 Sep-25 Dec-25 BUSINESS GROWTH CASA 132338 137387 142676 3.85% 7.81% CASA% 43.37% 40.52% 40.85% 33 bps (252 bps) Retail Term Deposits 150563 171384 175145 2.19% 16.33% Total Deposits 305121 339066 349302 3.02% 14.48% Advances 237632 277968 294974 6.12% 24.13% Business 542753 617034 644276 4.41% 18.71% Parameters Quarter Ended Q-O-Q ( %) Y-o-Y ( %)Dec-24 Sep-25 Dec-25 PROFITABILITY Net Interest Income 2789 3059 3299 7.85% 18.29% Net Interest Margin 3.33% 3.21% 3.32% 11 bps (1 bps) Operating Income 4086 4425 4798 8.43% 17.43% Operating Expenses 1820 2025 2195 8.40% 20.60% Operating Profit 2266 2400 2603 8.46% 14.87% Net Profit 874 1226 1365 11.34% 56.18% (Rs. In Crores) Performance Analysis Q3/9M-FY26
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PERFORMANCE HIGHLIGHTS ASSET QUALITY STRENGTHENING FINANCIAL INDICATORS 5 Parameters Quarter Ended Q-O-Q ( %) Y-o-Y (%)Dec-24 Sep-25 Dec-25 ASSET QUALITY Gross NPA 6071 5078 4530 -10.79% -25.38% Net NPA 976 776 708 -8.76% -27.46% GNPA% 2.55% 1.83% 1.54% (29 bps) (101 bps) NNPA% 0.42% 0.28% 0.24% (4 bps) (18 bps) STRENGTHENING FINANCIAL INDICATORS Parameters Quarter Ended Q-O-Q ( %) Y-o-Y ( %)Dec-24 Sep-25 Dec-25 PCR 97.07% 97.48% 97.49% 1 bps 42 bps CRAR 16.97% 17.94% 16.30% (164 bps) (67 bps) ROA 0.93% 1.20% 1.28% 8 bps 35 bps ROE 17.86% 19.95% 20.98% 103 bps 312 bps (Rs. In Crores) Performance Analysis Q3/9M-FY26
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FINANCIAL PERFORMANCE 6 Particulars Quarter Ending 9 Months Ending Growth % Dec-24 Sep-25 Dec-25 9M 24-25 9M 25-26 Q-o-Q Dec 25 Over Sep 25 Y-o-Y Dec 25 Over Dec 24 9M 25-26 OVER 9M 24-25 Interest Income 7112 7849 8172 20498 23407 4.12% 14.90% 14.19% Interest Expenses 4323 4790 4874 12730 14303 1.75% 12.75% 12.36% Net Interest Income 2789 3059 3299 7768 9104 7.85% 18.29% 17.20% Non Interest Income 1298 1365 1499 3964 4346 9.82% 15.49% 9.64% Operating Income 4086 4425 4798 11732 13449 8.43% 17.43% 14.64% Operating Expenses 1820 2025 2195 5661 6088 8.40% 20.60% 7.54% Operating Profit 2266 2400 2603 6070 7361 8.46% 14.87% 21.27% Total Provisions 1028 673 1236 3112 2753 83.66% 20.23% -11.54% Tax expenses 364 501 2 674 906 -99.60% -99.45% 34.42% Net Profit/Loss 874 1226 1365 2284 3703 11.34% 56.18% 62.13% (Rs. In Crores) Performance Analysis Q3/9M-FY26
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TOTAL INCOME 7 Particulars Quarter Ending 9 Months Ending Growth % Dec-24 Sep-25 Dec-25 9M 24-25 9M 25-26 Q-o-Q Dec 25 Over Sep 25 Y-o-Y Dec 25 Over Dec 24 9M 25-26 OVER 9M 24-25 Interest on Loans 5257 5920 6210 15142 17640 4.90% 18.13% 16.50% Interest on Investment 1808 1872 1906 5222 5606 1.82% 5.42% 7.35% Other Interest Income 47 57 56 133 161 -1.75% 19.15% 21.05% Total Interest Income 7112 7849 8172 20497 23407 4.12% 14.90% 14.20% Exchange & Commission 348 452 378 1037 1228 -16.37% 8.62% 18.42% Profit / Loss on Sale of Investments 46 148 132 335 486 -10.81% 186.96% 45.07% Profit on Exchange 22 -8 32 55 -2 500.00% 45.45% -103.64% Recovery from technical Written of Account 635 416 607 1885 1597 45.91% -4.41% -15.28% PLSC Commission 29 210 138 150 547 -34.29% 375.86% 264.67% All other Income 217 148 212 502 489 43.24% -2.30% -2.59% Total Non Interest Income 1298 1365 1499 3964 4346 9.82% 15.49% 9.64% Total Income 8409 9214 9672 24461 27752 4.97% 15.02% 13.45% (Rs. In Crores) Performance Analysis Q3/9M-FY26
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FEE BASED INCOME 8 Particulars Quarter Ending 9 Months Ending Growth % Dec-24 Sep-25 Dec-25 9M 24-25 9M 25-26 Q-o-Q Dec 25 Over Sep 25 Y-o-Y Dec 25 Over Dec 24 9M 25-26 OVER 9M 24-25 A.Exchange & Commission 116 115 69 364 306 -40.00% -40.52% -15.93% B.Income from Non Fund Based Business 55 72 59 136 191 -18.06% 7.27% 40.44% C.Processing charges 96 127 108 302 344 -14.96% 12.50% 13.91% D.ATM/DBD Related Income 115 136 138 305 370 1.47% 20.00% 21.31% E.Marketing/FI/Govt Business 10 13 14 43 45 7.69% 40.00% 4.65% F.Miscellaneous Income 154 263 274 303 780 4.18% 77.92% 157.43% FEE BASED INCOME (A+B+C+D+E+F) 546 727 663 1454 2036 -8.80% 21.43% 40.03% Overseas 15 14 17 47 49 21.43% 13.33% 4.26% Fee Based Income - Global 562 740 680 1501 2085 -8.11% 21.00% 38.91% (Rs. In Crores) Performance Analysis Q3/9M-FY26
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TOTAL EXPENSES 9 Particulars Quarter Ending 9 Months Ending Growth % Dec-24 Sep-25 Dec-25 9M 24-25 9M 25-26 Q-o-Q Dec 25 Over Sep 25 Y-o-Y Dec 25 Over Dec 24 9M 25-26 OVER 9M 24-25 Interest on Deposits 3742 4117 4167 11114 12290 1.21% 11.36% 10.58% Interest on Borrowings 581 672 707 1616 2013 5.21% 21.69% 24.57% Total Interest Expenses 4323 4790 4874 12730 14303 1.75% 12.75% 12.36% Staff Expenses 1069 1172 1344 3534 3683 14.68% 25.72% 4.22% Other Expenses 751 853 850 2127 2406 -0.35% 13.18% 13.12% Operating Expenses 1820 2025 2195 5661 6088 8.40% 20.60% 7.54% Total Expenses 6143 6814 7068 18391 20391 3.73% 15.06% 10.87% (Rs. In Crores) Performance Analysis Q3/9M-FY26
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PROFIT PARAMETER (Rs. In Crores) 10 Particulars Quarter Ending 9 Months Ending Growth % Dec-24 Sep-25 Dec-25 9M 24-25 9M 25-26 Q-o-Q Dec 25 Over Sep 25 Y-o-Y Dec 25 Over Dec 24 9M 25-26 OVER 9M 24-25 Operating Profit 2266 2400 2603 6070 7361 8.46% 14.87% 21.27% Provisions 1028 673 1236 3112 2753 83.66% 20.23% -11.54% of which NPA Provisions 400 121 308 634 608 154.55% -23.00% -4.10% Other Provisions 628 552 928 2478 2145 68.12% 47.77% -13.44% Tax Expenses 364 501 2 674 906 -99.60% -99.45% 34.42% Net Profit 874 1226 1365 2284 3703 11.34% 56.18% 62.20% Performance Analysis Q3/9M-FY26 2266 2400 2603 1392 1174 1238 874 1226 1365 Dec-24 Sep-25 Dec-25 Q-o-Q Operating Profit Provisions & Others Net Profit 6070 7361 3786 3659 2284 3703 9M 24-25 9M 25-26 9 Months Operating Profit Provisions & Others Net Profit
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PERFORMANCE RATIOS - QUARTERLY 11 Performance Analysis Q3/9M-FY26 5.08 5.17 5.10 5.05 4.92 DEC 24 MAR 25 JUN 25 SEP 25 DEC 25 COST OF DEPOSITS(%) 5.24 5.29 5.22 5.16 5.07 DEC 24 MAR 25 JUN 25 SEP 25 DEC 25 COST OF FUNDS(%) 9.02 8.78 8.92 8.94 8.83 DEC 24 MAR 25 JUN 25 SEP 25 DEC 25 YIELD ON ADVANCES % (GLOBAL) 9.33 9.11 9.18 9.19 9.03 DEC 24 MAR 25 JUN 25 SEP 25 DEC 25 YIELD ON ADVANCES % (DOMESTIC)
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PERFORMANCE RATIOS - QUARTERLY 12 Performance Analysis Q3/9M-FY26 6.86 6.77 6.75 6.62 6.69 DEC 24 MAR 25 JUN 25 SEP 25 DEC 25 YIELD ON INVESTMENT % 8.45 8.69 8.15 8.19 8.19 DEC 24 MAR 25 JUN 25 SEP 25 DEC 25 YIELD ON FUNDS(%) 0.93 1.12 1.14 1.20 1.28 DEC 24 MAR 25 JUN 25 SEP 25 DEC 25 RETURN ON ASSETS 44.55 44.35 44.22 45.76 45.74 DEC 24 MAR 25 JUN 25 SEP 25 DEC 25 COST TO INCOME
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PERFORMANCE RATIOS - QUARTERLY 13 Performance Analysis Q3/9M-FY26 3.33 3.58 3.04 3.21 3.32 DEC 24 MAR 25 JUN 25 SEP 25 DEC 25 NET INTEREST MARGIN % (GLOBAL) 3.47 3.77 3.17 3.35 3.42 DEC 24 MAR 25 JUN 25 SEP 25 DEC 25 NET INTEREST MARGIN % (DOMESTIC)
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BUSINESS PERFORMANCE 14 Particulars Dec-24 Sep-25 Dec-25 Q-o-Q variation Y-o-Y variation Amount % Amount % CASA 132338 137387 142676 5289 3.85% 10338 7.81% Retail Term Deposits 150563 171384 175145 3761 2.19% 24582 16.33% Term Deposits 172783 201679 206627 4948 2.45% 33844 19.59% Total Deposits 305121 339066 349302 10236 3.02% 44181 14.48% Advances 237632 277968 294974 17006 6.12% 57342 24.13% Business Mix 542753 617034 644276 27242 4.41% 101523 18.71% CASA%(Domestic) 43.76% 41.01% 41.29% 28 bps (247 bps) CD Ratio%(Domestic) 73.99% 78.78% 81.81% 303 bps 782 bps CASA%(Global) 43.37% 40.52% 40.85% 33 bps (252 bps) CD Ratio%(Global) 77.88% 81.98% 84.45% 247 bps 657 bps (Rs. In Crores) Performance Analysis Q3/9M-FY26
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BUSINESS COMPOSITION 15 Performance Analysis Q3/9M-FY26 Savings Bank 18% Current Deposits 4% Term Deposits 32% Advances 46% BUSINESS PORTFOLIO SHARE DEC 25 Retail 30% Agri 34% MSME 18% Corporate/Others 18% % SHARE OF DOMESTIC ADVANCE- DEC 25 Metro 47% Urban 22%Semi-Urban 19% Rural 12% POP CATEGORY WISE DISTRIBUTION OF DEPOSITS: DEC 25
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ADVANCES 16 Parameters Dec-24 Sep-25 Dec-25 Q-o-Q variation Y-o-Y variation Amount % Amount % Retail 58611 78765 83838 5073 6.44% 25227 43.04% Agri 69139 83023 92996 9973 12.01% 23857 34.51% MSME 43124 48494 50635 2141 4.41% 7511 17.42% Corporate/others 48599 50133 51137 1004 2.00% 2538 5.22% Domestic Advances 219473 260415 278605 18190 6.99% 59132 26.94% Global Advances 237633 277967 294974 17007 6.12% 57341 24.13% RAM to Adv (%) 71.91% 75.65% 77.11% 146 bps 520 bps (Rs. In Crores) Performance Analysis Q3/9M-FY26 Retail 27% Agri 31% MSME 20% Corporate/ others 22% DEC-2024 Retail 30% Agri 34% MSME 18% Corporate/ others 18% DEC-2025
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RETAIL ADVANCES 17 (Rs. In Crores) Performance Analysis Q3/9M-FY26 Period Domestic Advances Retail Advances % Share to Domestic Advances Dec-24 219472 58611 26.71% Mar-25 233501 62764 26.88% Jun-25 244048 70803 29.01% Sep-25 260416 78765 30.25% Dec-25 278605 83838 30.09% 58611 62764 70803 78765 83838 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Total Retail Advances Dec-25 30573 31168 31578 32620 33919 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Housing Loans Dec-25 5131 5311 5569 6199 6735 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Vehicle Loans Dec-25
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AGRICULTURE 18 Period Domestic Advances Agri Advances % Share to Domestic Advances Dec-24 219472 69139 31.50% Mar-25 233501 74545 31.92% Jun-25 244048 76548 31.37% Sep-25 260416 83023 31.88% Dec-25 278605 92996 33.38% (Rs. In Crores) Performance Analysis Q3/9M-FY26 69139 74545 76548 83023 92996 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Agri Advances Dec-25
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MSME 19 (Rs. In Crores) Performance Analysis Q3/9M-FY26 Period Domestic Advances MSME Advances % Share to Domestic Advances Dec-24 219472 43124 19.65% Mar-25 233501 44310 18.98% Jun-25 244048 45246 18.54% Sep-25 260416 48494 18.62% Dec-25 278605 50635 18.17% 43124 44310 45246 48494 50635 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 MSME Advances Dec-25
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INVESTMENT 20 Parameters Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Domestic Investments 104939 107020 110176 112477 112229 SLR 80006 80701 83109 85240 84734 Non SLR 24933 26319 27067 27236 27495 Held to Maturity 90969 88785 90730 90128 88364 Available for Sale 12170 15787 15415 18030 19313 Held for Trading 323 381 1369 1517 1573 Fair value through Profit & Loss account – FVTPL 861 1451 1457 1583 1760 Subsidiaries, Associates and Joint Ventures 616 616 1205 1219 1219 Investment by Overseas Branches 4171 4026 4212 4307 3967 Global Investments 109110 111046 114388 116784 116196 (Rs. In Crores) Performance Analysis Q3/9M-FY26
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VALUATIONS 21 Particulars Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 * Return on Equity (%) 17.86 19.53 19.00 19.95 20.98 *Basic & Diluted Earning per Share 0.46 0.56 0.58 0.64 0.71 *Price Earning Ratio 111.90 69.59 67.21 61.78 50.89 Book value per share (in Rs) 10.66 12.11 12.41 13.13 13.90 Price/Book value (in Rs) 4.85 3.22 3.14 3.01 2.60 Adjusted Book value (in Rs) 10.15 11.63 11.98 12.73 13.53 Price/Adjusted Book value (in Rs) 5.10 3.35 3.25 3.11 2.67 *Quarterly Performance Analysis Q3/9M-FY26
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NPA MANAGEMENT 22 Details Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 i) Opening Gross NPAs 6249 6071 5348 5178 5078 a. Cash Recoveries 170 263 180 212 144 b. Upgradation 76 75 31 94 46 c. Write-Offs 219 3043 238 108 601 d. Sale to ARCs 0 95 0 32 47 ii) Total Reductions (a+b+c+d) 465 3476 449 446 838 iii) Fresh Slippages to NPA category 284 2756 254 290 301 Iv) Other Debits 2 -3 26 55 -11 Closing Gross NPAs (i-ii+iii+iv) 6071 5348 5178 5078 4530 Gross NPA (%) 2.55% 2.14% 1.97% 1.83% 1.54% Net NPAs 976 912 816 776 708 Net NPA (%) 0.42% 0.37% 0.32% 0.28% 0.24% Provision Coverage Ratio 97.07% 97.30% 97.47% 97.48% 97.49% f. Recovery from Tech Write off accounts 676 522 609 445 635 f. i) Of which Reduction 650 480 575 419 608 g. Recovery from overseas set off accounts 0 8 20 16 0 h. Recovery from uncharged interest 34 29 12 76 19 Total Recovery(a+b+d+f+g+h) 957 992 851 874 890 (Rs. In Crores) Performance Analysis Q3/9M-FY26
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NPA MANAGEMENT 23 Performance Analysis Q3/9M-FY26 2.55% 2.14% 1.97% 1.83% 1.54% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 GNPA(%) 0.42% 0.37% 0.32% 0.28% 0.24% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 NNPA(%) 97.07% 97.30% 97.47% 97.48% 97.49% 83.92% 82.95% 84.24% 84.71% 84.37% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 PCR(%) PCR (Including techwrite off) PCR (excluding techwrite off) 0.13% 1.19% 0.10% 0.11% 0.11% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 SLIPPAGE RATIO
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SECTOR-WISE CREDIT DEPLOYMENT & NPA 24 Segmental NPAs Dec-24 Sep-25 Dec-25 ADV NPA Ratio % ADV NPA Ratio % ADV NPA Ratio % Retail 58611 978 1.67% 78765 839 1.07% 83838 651 0.78% Agri 69139 1829 2.65% 83023 1539 1.85% 92996 1228 1.32% MSME 43124 1753 4.07% 48494 1149 2.37% 50635 1140 2.25% RAM 170874 4560 2.67% 210283 3526 1.68% 227468 3019 1.33% Corporate 48599 267 0.55% 50133 167 0.33% 51137 118 0.23% Domestic Advance 219472 4827 2.20% 260416 3694 1.42% 278605 3137 1.13% Overseas 18160 1244 6.85% 17552 1384 7.89% 16369 1393 8.51% Total 237632 6071 2.55% 277968 5078 1.83% 294974 4530 1.54% (Rs. In Crores) Performance Analysis Q3/9M-FY26
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CAPITAL ADEQUACY 25 Particulars Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Market Risk RWA 1353 1341 2898 2781 2773 Operational Risk RWA 19183 19183 22587 22587 22587 Credit Risk RWA 137216 148560 153666 158915 177382 Total RWA (A) 157753 169084 179152 184284 202743 CET 1 22601 28972 28278 28625 28368 CET 1% 14.33% 17.13% 15.78% 15.53% 13.99% Tier 1 22601 28972 28278 28625 28368 Tier 1% 14.33% 17.13% 15.78% 15.53% 13.99% Tier 2 4170 4412 4476 4441 4672 Tier 2% 2.64% 2.61% 2.50% 2.41% 2.30% Total Capital (B) 26772 33384 32754 33066 33040 CRAR (B/A) 16.97% 19.74% 18.28% 17.94% 16.30% Total RWA to Advance Ratio 66.39% 67.63% 68.27% 66.30% 68.73% Credit RWA to Advance Ratio 57.74% 59.42% 58.56% 57.17% 60.13% (Rs. In Crores) Performance Analysis Q3/9M-FY26
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MOVEMENT OF CRAR & RWAs 26 Performance Analysis Q3/9M-FY26 57.74% 59.42% 58.56% 57.17% 60.13% DEC -24 MAR -25 JUN -25 SEP -25 DEC -25 CREDIT RWA TO ADVANCE RATIO 16.97% 19.74% 18.28% 17.94% 16.30% DEC -24 MAR -25 JUN -25 SEP -25 DEC -25 CRAR 66.39% 67.63% 68.27% 66.30% 68.73% DEC -24 MAR -25 JUN -25 SEP -25 DEC -25 TOTAL RWA TO ADVANCE RATIO
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FINANCIAL INCLUSION 27 Performance Analysis Q3/9M-FY26 85.89 87.84 89.63 91.55 93.37 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 PMJDY Account (Number in Lakhs) PMJDY Account (Number in Lakhs) 2.02 2.02 2.05 2.07 2.07 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 PMJDY Zero balance Accounts (No in Lakhs) PMJDY Zero balance Accounts (no in lakhs) 34.29 42.01 44.26 78.52 90.10 93.97 15.59 18.15 18.81 Dec-24 Sep-25 Dec-25 Jansuraksha Scheme (In Lakhs) PMJJBY PMSBY APY 3767 3835 3867 3879 3887 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 PMJDY Account Balance(in Crs) PMJDY Account Balance
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DIGITAL OUTREACH 28 Performance Analysis Q3/9M-FY26 3503 3497 3461 3567 3622 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 A T M / CD M ( N O O F O U T L ETS) 32.9 34.18 35.77 37.11 38.50 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 I N T E RN ET B A N K I NG R E G I ST ER ED U S E R S ( I N L A K H S ) 112.22 120.69 128.53 139.98 148.82 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 U P I R E G I S T ER ED U S E R S ( I N L A K H S) 91.43 102.18 105.71 115.77 121.65 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 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)
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CUSTOMER TOUCH POINT PAN INDIA 29 Domestic Presence Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Branches 3322 3335 3345 3373 3438 ATM/CR 3503 3497 3461 3567 3622 BC 9041 10135 10872 11467 11959 Performance Analysis Q3/9M-FY26 Metro, 729, 21% Urban, 709, 21% Semi Urban, 1059, 31% Rural, 941, 27% DEC-25 BRANCHES
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HONG KONG BRANCH COLOMBO BRANCH SINGAPORE BRANCH BANGKOK BRANCH FOREIGN OUTREACH 30 Performance Analysis Q3/9M-FY26
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SHARE HOLDING PATTERN 31 Category of Shareholder % share Government of India 92.44% FI/Banks 0.37% Foreign Portfolio Investor (Corporate) 0.35% Mutual Funds 0.18% Insurance Companies 3.72% Bodies Corporate 0.13% Individual 2.47% ESOP/ESOS/ESPS 0.20% NRI 0.05% HUF 0.08% LLP 0.01% SHARE HOLDING PATTERN AS ON 31.12.2025 Performance Analysis Q3/9M-FY26 Government of India, 92.44% Institution, 4.75% Individual, 2.81%
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ASSETS & LIABILITIES 32 (Rs. In Lakhs) Performance Analysis Q3/9M-FY26 Balance Sheet as at 31.12.2025 LIABILITIES Particulars Standalone Consolidated 31.12.2025 31.12.2024 31.12.2025 31.12.2024 Capital 1925659 1890241 1925659 1890241 Reserves and Surplus 1699729 1035835 1642192 1002242 Deposits 34930203 30512130 34930203 30512145 Borrowings 4680529 4309667 4680529 4309667 Other Liabilities & Provisions 1575578 893624 1575578 893749 Total 44811698 38641497 44754161 38608043 ASSETS Cash & Balance with RBI 1438984 1670574 1438984 1670579 Balance with Banks and Money at Call and Short Notice 639243 680420 639243 695031 Investments 11619560 10910323 11562024 10861049 Advances 29112311 23250683 29112311 23251673 Fixed Assets 501973 370481 501973 370489 Other Assets 1499626 1759016 1499626 1759223 Total 44811698 38641497 44754161 38608043
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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) 33 (Rs. In Crores) Performance Analysis Q3/9M-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 34 (Rs. In Crores) Performance Analysis Q3/9M-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 35 (Rs. In Crores) Performance Analysis Q3/9M-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 % 36 (Rs. In Crores) Performance Analysis Q3/9M-FY26
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Technology & Digital Initiatives Self-Service & Mobile-First Digital Solutions Robotic Automation & AI/ML Leveraging Digital Public Infrastructure Performance Analysis Q3/H2-FY26 Technology & Digital Initiatives Performance Analysis Q3/9M-FY26
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01 02 03 Customer Centric Innovations: WhatsApp Banking •Balance inquiry •Mini statement, Account statement •ATM / Branch locator • Cheque Book Request • Re-KYC, Form-16 Submission • Customer Feedback on Services Revamped Mobile Banking • 29 lac+ retail users • ~12000 enrollments daily • Multilingual Interface • Rupay Credit card integration • UPI integrated • ReKYC Submission Customer Onboarding Solution • Self service savings account opening with automated OVD validation •VCIP integration enabled Performance Analysis Q3/H2-FY26 Technology & Digital Initiatives Performance Analysis Q3/9M-FY26
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04 05 06 VCIP • Simplified Video Based customer Identification • Queue based approach for seamless processing • Credit card integration Branch/ATM Locator Microsite •Geo coordinates based intelligent locator to locate nearby IOB Branch/ATM search results IOB Akshara PIN Generator •Attracts NTB customers •Promotes usage of strong PINs •Blends security awareness with cultural pride Customer Centric Innovations: Technology & Digital Initiatives Performance Analysis Q3/9M-FY26
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07 08 09 QR Based Branch Feedbacks • Multi-Perspective Feedback • Staff Courtesy • Ambience • Fulfilment of visit purpose •Re-KYC via SMS, Email, Web •Re KYC self service mode by customers via Web, Email, SMS, Whatsapp Banking Channels •RBIH – ULI • 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 Customer Centric Innovations: Technology & Digital Initiatives Performance Analysis Q3/9M-FY26
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01 02 03Tab Banking • Any Time Any Where service delivery • 25+ services with Savings ,Current Account and 3-in-1 account opening • ReKYC via Self service mode • Nomination and Jansuraksha enrolments KYC Smart Scanner Mobile App • QR Based interface to scan KYC Documents • Real-time integration with COB, Re-KYC, and CKYC CRM • 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 integration Employee Centric Innovations: Technology & Digital Initiatives Performance Analysis Q3/9M-FY26
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04 05 06 Loan Origination System •90+ schemes across RAM segment •Efficient credit underwriting & quick credit delivery across Retail, Agri, MSME Customers. •Near 100% adoption on new channel IOB Lawyer’s Diary • Mobile app for Bank’s Panel Lawyers • Real time updates on Cases • Review of Panel Lawyers performance Robotic Process Automation •Enhance operational efficiency, accuracy, and minimize manual intervention. •Automated complaint management and batch processing Employee Centric Innovations: Technology & Digital Initiatives Performance Analysis Q3/9M-FY26
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IOB WhatsApp Banking 43 www.digital.iob.in Internal Performance Analysis Q3/9M-FY26
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IOB CONNECT 44 www.digital.iob.in Internal Performance Analysis Q3/9M-FY26
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STRATERGIC INVESTMENT 45 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 Q3/9M-FY26
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ENVIRONMENTAL SOCIAL GOVERNANCE ESG INITIATIVES 46 Performance Analysis Q3/9M-FY26
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ENVIRONMENTAL SOCIAL GOVERNANCE ESG INITIATIVES 47 Performance Analysis Q3/9M-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 48 Performance Analysis Q3/9M-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 49 Performance Analysis Q3/9M-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 50 Performance Analysis Q3/9M-FY26
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EFFECTIVE MONITORING COMPLYING WITH ALL GUIDELINES ®ULATIONS EFFECTIVE CUSTOMER COMPLAINTS RESOLUTION CUSTOMER RIGHT POLICY ENVIRONMENTAL SOCIAL GOVERNANCE ESG INITIATIVES 51 Performance Analysis Q3/9M-FY26
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52 ACCOLADES & AWARDS At IBA’s 21st Annual Banking Technology Conference & Citations 2024–25, our Bank was honoured with four prestigious recognitions, reaffirming our commitment to technology-led banking and inclusive growth. Our Achievements: Best Tech Talent & Organization (Runner-up) Best IT Risk & Management (Runner-up) Best Technology Bank of the Year (Special Mention) Best Digital Financial Inclusion (Special Mention) Performance Analysis Q3/9M-FY26
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53 EVENTS & INITIATIVES As part of Vigilance Awareness Week, a sensitisation programme on Preventive Vigilance was conducted at Indian Overseas Bank. Dr. Sandeep Mittal, IPS, ADGP, Cyber Crime Wing, Tamil Nadu Police, addressed our Top Executives and Regional Heads across India, sharing valuable insights on cyber safety, cyber awareness, and the modus operandi of cyber frauds Performance Analysis Q3/9M-FY26
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54 EVENTS & INITIATIVES Performance Analysis Q3/9M-FY26
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55 EVENTS & INITIATIVES Our MD & CEO Shri Ajay Kumar Srivastava inaugurated IOB’s Cyber Carnival as part of the National Cyber Security Awareness Month, which saw active participation from the CVO and senior executives Performance Analysis Q3/9M-FY26
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56 EVENTS & INITIATIVES Performance Analysis Q3/9M-FY26
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57 PRODUCTS & SERVICES Performance Analysis Q3/9M-FY26
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58 PRODUCTS & SERVICES Performance Analysis Q3/9M-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 59 Performance Analysis Q3/9M-FY26
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Official Social Media Handles of Indian Overseas Bank 60 Performance Analysis Q3/9M-FY26 YOUTUBE : 12,81,316 followers - https://www.youtube.com/@IOBIndia/ FACEBOOK : 6,09,183 followers - https://www.facebook.com/IOBIndia.in INSTAGRAM : 4,85,470 followers - https://www.instagram.com/iobindia/ X (TWITTER): 74,826 followers - https://x.com/IOBIndia LINKEDIN : 48,941 followers - https://www.linkedin.com/company/indian-overseas-bank/ THREADS : 24,954 followers - https://www.threads.net/@iobindia
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61 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.bank.in Follow us on Social Media www.iob.bank.in