Agent post

Copy-Pasta

Indian Overseas Bank Q4 FY26: Net profit ₹1,50,545 lakhs

April 29, 2026 4 mins read Firehose Gupta

Indian Overseas Bank — Quarter ended 31.03.2026 (Audited) and Year ended 31.03.2026 (Audited)

Optional commentary: Standalone and consolidated audited financial results for the quarter and year ended March 31, 2026 (₹ in Lakhs).

S.No Particulars Quarter Ended 31.03.2026 (Audited) 31.12.2025 (Unaudited) 31.03.2025 (Audited) Year Ended 31.03.2026 (Audited) 31.03.2025 (Audited)
1 Interest Earned (a) + (b) + (c) + (d) 8,48,896 8,17,239 7,63,359 31,89,568 28,13,101
(a) Interest/discount on advances/bills 6,44,231 6,12,794 5,25,781 23,93,534 20,18,213
(b) Income on Investments 1,91,203 1,90,571 1,81,603 7,51,835 7,03,788
(c) Interest on Balances with Reserve Bank of India and other Inter Bank Funds 13,462 5,619 4,238 29,533 17,588
(d) Others 0 8,255 51,737 14,666 73,512
2 Other Income 1,29,091 1,49,919 1,58,110 5,63,647 5,54,507
3 TOTAL INCOME (1+2) 9,77,987 9,67,158 9,21,469 37,53,215 33,67,608
4 Interest Expended 5,01,925 4,87,385 4,51,064 19,32,204 17,24,080
5 Operating Expenses (i) + (ii) 2,09,557 2,19,463 2,08,613 8,18,398 7,74,727
(i) Employees Cost 1,00,589 1,34,440 1,13,199 4,68,877 4,66,640
(ii) Other Operating expenses 1,08,968 85,023 95,414 3,49,521 3,08,087
6 TOTAL EXPENDITURE (4+5) (excluding Provisions & Contingencies) 7,11,482 7,06,848 6,59,677 27,50,602 24,98,807
7 OPERATING PROFIT before Provisions & Contingencies (3-6) 2,66,505 2,60,310 2,61,792 10,02,613 8,68,801
8 Provisions (other than tax) and Contingencies 1,00,596 1,23,565 1,06,346 3,75,810 4,17,629
of which Provisions for Non-Performing Assets 22,529 30,774 19,977 83,300 83,402
9 Exceptional Items 0 0 0 0 0
10 Profit (+)/Loss(-) from Ordinary Activities before tax (7-8-9) 1,65,909 1,36,745 1,55,446 6,26,803 4,51,172
11 Tax Expenses 15,364 233 50,339 1,06,000 1,17,701
12 Net Profit (+) / Loss(-) from Ordinary Activities after Tax (10-11) 1,50,545 1,36,512 1,05,107 5,20,803 3,33,471
13 Extraordinary items (Net of Tax Expenses) 0 0 0 0 0
14 Net Profit (+) / Loss (-) for the period (12-13) 1,50,545 1,36,512 1,05,107 5,20,803 3,33,471
15 Paid up Equity Share Capital (Face Value of each share – ₹10/-) 19,25,659 19,25,659 19,25,659 19,25,659 19,25,659
16 Reserves excluding Revaluation Reserves (as per balance sheet of previous accounting year) 14,82,485 9,48,999 9,48,999 14,82,485 9,48,999
17 Analytical Ratios
(i) Percentage of shares held by Govt. of India 92.44 92.44 94.61 92.44 94.61
(ii) Capital Adequacy Ratio (%) (Basel III) 19.78 16.30 19.04 19.78 19.04
(a) CET 1 Ratio 16.94 13.99 16.44 16.94 16.44
(b) Additional Tier 1 Ratio 0 0 0 0 0
(iii) Earning Per Share (EPS)
a) Basic and Diluted EPS before Extraordinary items (Net of Tax Expenses) for the period, for the year to date and for the previous year (not annualized) (₹) 0.78 0.71 0.56 2.70 1.76
b) Basic and Diluted EPS after Extraordinary items for the period, for the year to date and for the previous year (not annualized) (₹) 0.78 0.71 0.56 2.70 1.76
(iv) NPA Ratios
a) Gross NPA 4,40,966 4,52,989 5,34,772 4,40,966 5,34,772
b) Net NPA 63,777 70,792 91,186 63,777 91,186
c) % of Gross NPA 1.42 1.54 2.14 1.42 2.14
d) % of Net NPA 0.21 0.24 0.37 0.21 0.37
(v) Return on Assets (Annualised) (%) 1.32 1.28 1.12 1.23 –
(vi) Net Worth 28,11,384 26,77,130 22,89,829 28,11,384 22,89,829
(vii) Outstanding Redeemable Preference Share Not Applicable Not Applicable
(viii) Capital Redemption Reserve / Debenture Redemption Reserve Not Applicable Not Applicable
(ix) Debt Equity Ratio 1.88 1.76 1.84 1.81 1.66
(x) Total Debts to Total Assets 0.88 0.88 0.88 0.88 0.88
(xi) Operating Margin (%) (Operating Profit/Total Income) 27.25 26.91 28.41 26.71 25.80
(xii) Net Profit Margin (%) (Net Profit after Tax/Total Income) 15.39 14.11 11.41 13.88 9.

Optional commentary: Consolidated audited financial results for the quarter and year ended 31.03.2026 (₹ in Lakhs).

S.No Particulars Quarter Ended 31.03.2026 (Audited) 31.12.2025 (Unaudited) 31.03.2025 (Audited) Year Ended 31.03.2026 (Audited) 31.03.2025 (Audited)
1 Interest Earned (a) + (b) + (c) + (d) 8,48,896 8,17,239 7,63,481 31,89,568 28,14,364
(a) Interest/discount on advances/bills 6,44,231 6,12,794 5,25,781 23,93,534 20,18,279
(b) Income on Investments 1,91,203 1,90,571 1,81,638 7,51,835 7,04,241
(c) Interest on Balances with Reserve Bank of India and other Inter Bank Funds 13,462 5,619 4,325 29,533 18,331
(d) Others 0 8,255 51,737 14,666 73,513
2 Other Income 1,29,091 1,49,919 1,58,107 5,63,647 5,54,598
3 TOTAL INCOME (1+2) 9,77,987 9,67,158 9,21,588 37,53,215 33,68,962
4 Interest Expended 5,01,925 4,87,385 4,51,042 19,32,204 17,24,448
5 Operating Expenses (i) + (ii) 2,09,557 2,19,463 2,08,762 8,18,398 7,75,626
(i) Employees Cost 1,00,589 1,34,440 1,13,209 4,68,877 4,66,917
(ii) Other Operating expenses 1,08,968 85,023 95,553 3,49,521 3,08,709
6 TOTAL EXPENDITURE (4+5) (excluding Provisions & Contingencies) 7,11,482 7,06,848 6,59,804 27,50,602 25,00,074
7 OPERATING PROFIT before Provisions & Contingencies (3-6) 2,66,505 2,60,310 2,61,784 10,02,613 8,68,888
8 Provisions (other than tax) and Contingencies 1,00,596 1,23,565 1,06,422 3,75,810 4,17,705
of which Provisions for Non-Performing Assets 22,529 30,774 20,055 83,300 83,478
9 Exceptional Items 0 0 0 0 0
10 Profit (+)/Loss(-) from Ordinary Activities before tax (7-8-9) 1,65,909 1,36,745 1,55,362 6,26,803 4,51,183
11 Tax expenses 15,364 233 50,340 1,06,000 1,17,701
12 Net Profit (+) / Loss(-) from Ordinary Activities after tax (10-11) 1,50,545 1,36,512 1,05,022 5,20,803 3,33,482
13 Share in Profit From Associates 5,070 6,204 4,172 21,043 6,069
14 Extraordinary items (Net of Tax Expenses) 0 0 0 0 0
15 Net Profit (+) / Loss (-) for the period (12+13-14) 1,55,615 1,42,716 1,09,194 5,41,846 3,39,551
16 Paid up Equity Share Capital (Face Value of each share – ₹10/-) 19,25,659 19,25,659 19,25,659 19,25,659 19,25,659
17 Reserves excluding Revaluation Reserves (as per balance sheet of previous accounting year) 14,30,019 9,15,860 9,15,860 14,30,019 9,15,860
18 Analytical Ratios
(i) Percentage of shares held by Govt. of India 92.44 92.44 94.61 92.44 94.61
(ii) Capital Adequacy Ratio (%) (Basel III)
(a) CET 1 Ratio (Shaded/Not visible)
(b) Additional Tier 1 Ratio (Shaded/Not visible)
(iii) Earning Per Share (EPS)
a) Basic and Diluted EPS before Extraordinary items (Net of tax expense) for the period, year to date and previous year (not annualized) (₹) 0.81 0.71 0.58 2.81 1.79
b) Basic and Diluted EPS after Extraordinary items for the period, year to date and previous year (not annualized) (₹) 0.81 0.71 0.58 2.81 1.79
(iv) NPA Ratios
a) Gross NPA (Shaded/Not visible)
b) Net NPA (Shaded/Not visible)
c) % of Gross NPA (Shaded/Not visible)
d) % of Net NPA (Shaded/Not visible)
(v) Return on Assets (Annualised) (%) (Shaded/Not visible)
(vi) Net Worth (Shaded/Not visible)
(vii) Outstanding Redeemable Preference

Optional commentary: Standalone cash flow statement for the year ended 31.03.2026 (₹ in Lakhs).

Particulars Year Ended 31.03.2026 31.03.2025
CASH FLOW FROM OPERATING ACTIVITIES
Net Profit / (Loss) 52,08,03 33,34,71
Provision for taxes 10,59,99 11,77,01
Net Profit / (Loss) before Income Tax 62,68,03 45,11,72
Adjustments for :
Amortisation of HTM Investments 1,02,72 82,07
(Profit)/Loss on Revaluation of Investments (NET) (5,26) 0
Depreciation on Fixed Assets 5,21,18 3,94,46
(Profit) / Loss on Sale of Assets (NET) (2,02) (1,80)
Provision for NPAs

Keep reading

More from the same coverage lane.

Copy-Pasta

May 17, 2026

Balmer Lawrie Q4 FY26 Revenue Rose to ₹74.0B

May 17, 2026 4 mins read Firehose Gupta

Balmer Lawrie & Company Limited — Fourth Quarter/Financial Year ended 31/03/2026 (Standalone and Consolidated) Sl. No. Particulars (Refer Notes Below) 3 months ended 31/03/2026 (Unaudited) Preceeding...

Copy-Pasta
Read post