Indian Overseas Bank

“So going forward, I do not see any challenge in maintaining this profitability.”

“See, for IOB, this 10% decline is because of one bigger account around -- amounting to around INR 10,000 crores, which we -- in the first month of this financial year in the month of April itself, since pricing was not matching, so we came out of that arrangement.”

“Our rally is around 80%. We intend to maintain around that level.”

“And after coverage of 40% of corporate loan book, this 10% negative growth is visible, which, of course, in this quarter, it will be covered.”

“Gold part will be broadly around 40% of the total portfolio will be agriculture general loans.”

“Net interest margin global for the quarter ended 30 June 2026 is 3.37% with an increase of 12 bps as compared to 3.25% as of the last quarter March 2026.”

“PSLC sale income. And so this isintegral part of non interest income. And that will continue, of course, it is stable, and it will continue going forward also.”

“And about 54% of the credit portfolio is linked to MCLR and 37% to RLLR, and because of good quality lending at reasonable pricing, yield on advances has increased.”

“Just for the sake of increasing corporate book at sub 7% rate of interest, we are certainly not interested into that.”

“In the foreseeable future, yes, of course, I do not see any increase because we are not too much reliant on bank deposits.”

“CASA ratio domestic as on June 2026 stood at 41.45%. CASA Global stood at 41.05%. Total deposits reached at INR 3,76,193 crores as on 30 June 2026 with a year-on-year growth rate of 13.72%.”

“Capital adequacy ratio stood at 19.36% as against the regulatory requirement of 11.50%.”

“All along, we maintain around 6% to 7% bulk deposit ratio out of total deposit of the bank.”

“Sir, MTM addition is there around INR 300 crores.”

“All repricing done, already done, yes. Completed 6 months before.”

“We intend to go to the market in maybe more than one tranche in Q3 and Q4.”

“we are in the process of obtaining all other statutory approval before hitting the market. And we expect that in this quarter, it will happen.”

“We have already mobilised$300 million, since the time this dispensation came and we created a new product on FCNRB.”

“So we got this approval around 3 to 4 months back, and we have started the process of opening it. Maybe in another 2 months, it will come into physical existence.”

“Miscellaneous income, it includes recovery from technically written off account and PSLC commission is there, So these two are the major components in addition to processing fees.”

“So against INR 3,000 crores of probable requirement, we have provided already INR 2,150 crores to meet this ECL provisioning requirement.”

“And as part of our internal discussion, we do not intend to go for a four-year dispensation.”

“And in coming quarters also, we will be equally making a provision going forward so that by the end of this financial year, the entire requirement of ECLGS can be taken care of in one shot.”

“So far, we have not seen any delinquencies in agriculture loan and going forward also we do not see any stress.”

“And regarding West Asia issue and stress on any small borrowers or SME accounts, so far we have not seen.”

“the bank has reached a new milestone by achieving an all-time high quarterly net profit of INR 1,659 crores for this quarter as compared to INR 1,111 crores as on June 30, 2025 with 49.32% year-on-year increase.”

“Bank has achieved the operating profit of INR 2,693 crores, registering a year-on-year growth of 14.21%.”

“Total advances increased year-on-year by 22.75%, reaching INR 3,22,132 crores as against INR 2,62,421 crores as of 30th June 2025.”

“GNPA percentage has reduced by 64 bps year-on-year from 1.97% as on June 2025 and reached 1.33% as on June 2026.”

“The slippage ratio of the bank is reduced to 0.06% for the quarter ended June 2026 as against 0.10% as on June 2025.”