IOB’s Consistent Growth Momentum Continues:  Net Profit Jumps 49.32% to ₹1,659 Cr in Q1 FY27

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%