Indian Overseas Bank — Investor Meet, 07-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Indian Overseas Bank’s business crossed INR5.61 lakh Cr, up 11.3% YoY, with gross advances rising 14.15% to INR2.5 lakh Cr and CASA up 8.5% to INR1.36 lakh Cr. Net profit jumped 25.56% to INR3,335 Cr. Asset quality improved, GNPA down to INR5,348 Cr, net NPA at 0.37%. RoA surpassed 1.12%, RoE hit 16.28%. Management targets 14-15% credit growth, 12-13% deposit growth, and cost-income ratio around 42-44% in FY26. Treasury income is expected to support stable margins with NIM at ~3.5%. Focus remains on MSME, retail, agri, and government sectors, with INR1,700 Cr+ digital/IT investment planned.