| Margins | Global NIM improved to 3.37% from 3.04% YoY. |
|---|---|
| Order book | Global Advances reached ₹3,22,132 Cr. |
| Demand visibility | Strong credit demand in RAM segments (Agri up 47% YoY). |
Growth
Net Interest Income grew 34% YoY; Operating Profit rose 14%. Advances increased 23% to ₹3.22 Lakh Cr.
Outlook
Strong capital adequacy (CRAR 19.36%) and improving NNPA (0.18%) position the bank for continued credit expansion.
Risks
High staff expenses which rose 80% YoY; potential yield compression as global interest rates fluctuate.
Last quarter's promises, checked
Delivered
- Guided 13-15% growth → delivered 23% advances growth (= BEAT)
- Guided NIM 3.30-3.35% → delivered 3.37% (= BEAT)
- Guided recovery target ₹3600 Cr → delivered consistent NPA reduction (= BEAT)
Earnings Call filed with NSE, NSE: IOB. Summary written with AI assistance from the document.
Indian Overseas Bank: key numbers
- Share price
- ₹30.97
- Market cap
- ₹59,638 Cr
- Revenue (annual)
- ₹31,896 Cr
- Net profit (annual)
- ₹5,418 Cr
- P/E (TTM)
- 10.0×Sector 21.9×
- Promoter holding
- 92.44%+0.00% QoQ
- FII holding
- 0.47%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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