Indian Overseas Bank — PPTs, 30-04-2026: Investor Presentation

The bank delivered robust performance, with Net Profit surging 56.16% year-on-year to 5,208 Cr. Operating Profit rose 15.40% to 10,026 Cr. Total Advances grew 24.16% to 310,423 Cr, and Deposits increased 18.03% to 368,191 Cr. Asset quality saw significant improvement, with Gross NPA dropping to 1.42% from 2.14%, and Net NPA to 0.21% from 0.37%. Provision Coverage Ratio stands strong at 97.50%.

Growth was largely driven by a sharp focus on the Retail, Agri, and MSME (RAM) segments, which now comprise 78.93% of advances. Retail advances jumped 45.12%, and Agri advances soared 39.27%. The bank is aggressively pushing digital initiatives, launching solutions like IOB Digital FD, VCIP, and an IOB Digital Hub for seamless customer experience. It also enhanced WhatsApp and Mobile Banking services. The bank's commitment to technology and digital inclusion was recognized with multiple industry awards.