Summary

Indian Overseas Bank has reported a stellar performance for the quarter ended 30th September 2025, with a net profit of ₹ 1,226 Crores, a significant increase of 57.79% compared to the same period last year. The bank also reported an increase in operating profit, net interest income, and net interest margin, both domestically and globally. The cost to income ratio has also reduced, and there has been an increase in return on assets and return on equity.

Key Highlights

1. 1

   Net Profit Hits All-Time High of ₹ 1,226 Cr, Up 57.79 % YoY

2. 2

   Operating profit increased by 12.78 % to ₹ 2,400 crore

3. 3

   Net Interest Income increased by 20.53 % to ₹ 3,059 crore

4. 4

   Cost to Income Ratio reduced by 321 bps to 45.76 %

5. 5

   Return on Assets (ROA) increased by 38 bps to 1.20 %

6. 6

   Return on Equity (RoE) increased by 305 bps at 19.95 %

7. 7

   Total Business grew by 14.10 % to ₹ 6,17,034 crore

8. 8

   Total Deposits up by 9.15 % to ₹ 3,39,066 crore

9. 9

   Gross Advances increased by 20.78 % to ₹ 2,77,968 crore

10. 10

    Gross NPA reduced by 89 bps to 1.83 %

11. 11

    Net NPA reduced by 19 bps to 0.28 %

12. 12

    CRAR improved by 49 bps to 17.94 %