Indian Overseas Bank — Investor Meet, 19-01-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Indian Overseas Bank posted an all-time high Q3 FY26 net profit of Rs 1,365 Cr, surging 56.18% YoY. Gross advances grew 24.13% to Rs 2.95 lakh Cr, with total business reaching Rs 6.44 lakh Cr (+18.71% YoY). Asset quality improved significantly, with Gross NPA down to 1.54% and Net NPA at 0.24%. NIM stands at 3.32%, ROA at 1.28%, and ROE at 20.98%. Management highlighted strong liquidity, robust capital adequacy (CRAR 16.30%, or 18.40% including Q3 profit), and ongoing digital transformation. A Rs 4,000 Cr QIP is planned to reduce government stake. The bank is confident in maintaining its consistent growth trajectory.