Total income rallied 15.01% year on year (YoY) to Rs 9,671.58 crore in Q3 FY26.
Operating profit stood at Rs 2,603.1 crore in Q3 FY26, marking a 14.87% increase over Rs 2,266.01 crore recorded in the corresponding quarter of the previous year.
Profit before tax surged 10.51% year-on-year to Rs 1,367.45 crore in Q3 FY26, compared to Rs 1,237.37 crore in Q3 FY25.
Net Interest Income (NII) jumped 18.29% to Rs 3,299 crore in Q3 FY26 as against Rs 2,789 crore reported in Q3 FY25. Net interest margin (NIM) stood to 3.32% in Q3 FY26, compared to 3.33% registered in the same period a year ago.
IOB's total business increased 18.71% to Rs 6,44,276 crore in Q3 FY26 as against Rs 5,42,753 crore in Q3 FY25.
Total Deposits increased 14.48% to Rs 3,49,302 crore in Q3 FY26 as against Rs 3,05,121 crore in Q3 FY25.
Current Account and Savings Account (CASA) deposits grew 7.81% to Rs 1,42,676 crore in Q3 FY26 as against Rs 1,32,338 crore in Q3 FY25. The CASA ratio declined to 40.85% in Q3 FY26 from 43.37% a year ago.
Gross advances during the quarter stood at Rs 2,94,974 crore, showing a strong growth of 24.13% from Rs 2,37,632 crore reported in the corresponding quarter last year.
During the quarter, gross non-performing assets (NPAs) stood at Rs 4,530 crore, down 25.38% year-on-year from Rs 6,071 crore in the corresponding quarter last year. Net NPAs declined 27.46% YoY to Rs 708 crore, compared with Rs 976 crore a year earlier.
Gross NPA ratio stood at 1.54% as on 31 December 2025 as against 2.55% as on 31 December 2024. Net NPA ratio stood at 0.24% as on 31 December 2025, compared with 0.42% as on 31 December 2024.
The Provision Coverage Ratio (PCR) stood at 97.49% as of 31 December 2025, compared to 97.07% in the year-ago quarter.
On a year-on-year basis, the bank's performance remained strong in Q3 FY26 compared with Q3 FY25. The Provision Coverage Ratio (PCR) increased by 42 basis points to 97.49%, highlighting improved credit protection. The bank's profitability strengthened, with Return on Assets (ROA) rising 35 basis points to 1.28% and Return on Equity (ROE) climbing sharply by 312 basis points to 20.98%, reflecting higher earnings efficiency. However, the Capital to Risk-weighted Assets Ratio (CRAR) moderated slightly, declining 67 basis points to 16.30%, indicating slightly higher capital deployment over the year.
Indian Overseas Bank is engaged in the business of banking & financial services.
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Valued Customer,
BOB Capital Markets Limited (BOBCaps) is firmly committed to the safety of your wealth. We would like to bring to your notice certain precautions that you certainly must take against potential tele-fraudsters/ unscrupulous and unregistered portfolio managers:
ALWAYS AVOID
We would like to caution you against such fraudulent calls and SMSes and urge you to be alert. Follow the golden rule:
Do not share your Login Credentials or Passwords with anybody
BOBCaps employees / representatives never ask for your password.
Certain tele-fraudsters / unscrupulous and unregistered portfolio managers call customers or SMS them on the pretext of providing investment tips and lure them to invest through their bogus firms by promising huge profits.
Such deceitful callers ask the customer to share his/her login credentials with passwords to allow trading in their accounts, assuring huge returns.
Often trades done in the customer’s accounts are far from the best interest of the customers. Holdings of customers are often sold and with the funds, trades are then placed in illiquid securities at unrealistic prices.
At times, the holdings of customers are sold at prices detrimental to the customer. The so-called “portfolio manager” assures profits, which naturally does not materialize. Customers are deceived into providing access to their trading accounts, thereby allowing such fraudsters access to funds and securities available to execute trades, injurious to the customer’s interest.
In our continuous effort to keep you safeguard from the market related frauds and increase awareness while conducting trades, we request you to go through the Press Release issued by the NSE and would request you to ensure that you do not engage with the individuals and entities mentioned below: