1. Financial Performance:
- Net Profit increased by 49.32 % to ₹ 1,659 crore.
- Operating profit increased by 14.21 % to ₹ 2,693 crore.
- Net Interest Income (NII) increased by 34.30 % to ₹ 3,688 crore.
- Domestic NIM increased to 3.48 % while Global NIM increased to 3.37 %
- Return on Assets (ROA) increased to 1.41 %
- Return on Equity (ROE) increased to 22.69 %
2. Business Growth:
- The Bank’s total business increased by 17.72 % to ₹6,98,325 crore.
3. Deposits Growth:
- Total Deposits increased by 13.72 % to ₹3,76,193 crore.
- Domestic CASA % stood at 41.45% while Global CASA % stood at 41.05 %
- SB Deposits increased by 18.14 % to ₹1,27,262 crore.
- Retail Term Deposit (RTD) increased by 15.81 % to ₹1,86,882 crore
4. Credit Growth:
- Total Credit increased by 22.75 % to ₹3,22,132 crore.
- RAM Segment of the Bank increased by 35.82% YoY, within which 36.49% growth in Retail, 46.84% growth in Agri and 16.15% growth in MSME
5. Reduction in NPA:
- Gross NPA reduced to 1.33 %.
- Net NPA reduced to 0.18 %.
6. Slippages (Fresh Addition):
- Total slippages during the quarter reduced to ₹195 Cr
- Slippage ratio at historic low at 0.06% for the quarter
7. Recovery of NPA:
- Total NPA Recovery stood at ₹654 Cr during the quarter, which is 3.35 times the quarterly slippages.
8. Provision Coverage Ratio (PCR):
- Provision Coverage Ratio (PCR) increased by 20 pbs to 97.67%
9. Strong Capital Ratios:
- CRAR increased by 108 bps to 19.36 % of which Tier I is 16.88%.
10. Expansion of Branch Network:
- The Bank expanded its domestic network to 3,522 branches with the addition of 28 new branches during the quarter.
| IOB PERFORMANCE IN JUNE ‘2026 | |||||
| Amt. in Crore | |||||
| PARAMETERS | FOR THE QUARTER | Y-o-Y | Q-o-Q | ||
| Jun-25 | Mar-26 | Jun-26 | (%) | (%) | |
| NET PROFIT | 1,111 | 1,505 | 1,659 | 49.32% | 10.23% |
| OPERATING PROFIT | 2,358 | 2,665 | 2,693 | 14.21% | 1.05% |
| NET INTEREST INCOME (NII) | 2,746 | 3,470 | 3,688 | 34.30% | 6.28% |
| NIM-DOMESTIC | 3.17% | 3.35% | 3.48% | 31 bps | 13 bps |
| NIM-GLOBAL | 3.04% | 3.25% | 3.37% | 33 bps | 12 bps |
| RETURN ON ASSET (ROA) | 1.14% | 1.32% | 1.41% | 27 bps | 9 bps |
| RETURN ON EQUITY (ROE) | 19.00% | 21.94% | 22.69% | 369 bps | 75 bps |
| GROSS NPA % | 1.97% | 1.42% | 1.33% | -64 bps | -9 bps |
| NET NPA % | 0.32% | 0.21% | 0.18% | -14 bps | -3 bps |
| PCR % | 97.47% | 97.50% | 97.67% | 20 bps | 17 bps |
| CREDIT COST % | 0.29% | 0.30% | 0.14% | -15 bps | -16 bps |
| SLIPPAGE RATIO | 0.10% | 0.13% | 0.06% | -4 bps | -7 bps |
| CRAR % | 18.28% | 19.78% | 19.36% | 108 bps | -42 bps |
| CASA DEPOSIT | 1,44,837 | 1,50,936 | 1,54,415 | 6.61% | 2.30% |
| SB DEPOSIT | 1,07,718 | 1,24,565 | 1,27,262 | 18.14% | 2.17% |
| CASA RATIO-DOMESTIC | 44.16% | 41.46% | 41.45% | -271 bps | -1 bps |
| CASA RATIO-GLOBAL | 43.78% | 40.99% | 41.05% | -273 bps | 6 bps |
| RETAIL TERM DEPOSIT | 1,61,371 | 1,83,601 | 1,86,882 | 15.81% | 1.79% |
| TOTAL DEPOSIT | 3,30,792 | 3,68,191 | 3,76,193 | 13.72% | 2.17% |
| TOTAL ADVANCES | 2,62,421 | 3,10,423 | 3,22,132 | 22.75% | 3.77% |
| TOTAL BUSINESS | 5,93,213 | 6,78,614 | 6,98,325 | 17.72% | 2.90% |