IOB Financial Results for the Quarter ended June 30, 2026

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 ₹ 3,688crore. 

• Domestic NIM increased to 3.48 % while Global NIMincreased 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 ₹6,98,325crore.

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 ₹1,86,882crore

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 brancheswith 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%