INDIAN OVERSEAS BANK
Quarterly Results Analysis [Sep2026]
INDIAN OVERSEAS BANK Quarterly Results
| Consolidated | Sep2026 UnAudited |
Jun2026 UnAudited |
Mar2026 UnAudited |
Dec2025 UnAudited |
Sep2025 UnAudited |
Jun2025 UnAudited |
Mar2025 UnAudited |
Dec2024 Audited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹9,201 Cr | ₹8,778 Cr | ₹8,489 Cr | ₹8,172 Cr | ₹7,851 Cr | ₹7,387 Cr | ₹7,635 Cr | ₹7,116 Cr |
| Other Income | ₹1,227 Cr | ₹2,160 Cr | ₹1,291 Cr | ₹1,499 Cr | ₹1,365 Cr | ₹1,480 Cr | ₹1,581 Cr | ₹1,298 Cr |
| Interest Expended | ₹5,334 Cr | ₹5,090 Cr | ₹5,019 Cr | ₹4,874 Cr | ₹4,790 Cr | ₹4,639 Cr | ₹4,510 Cr | ₹4,324 Cr |
| Expenses | ₹2,077 Cr | ₹3,155 Cr | ₹2,096 Cr | ₹2,195 Cr | ₹2,025 Cr | ₹1,870 Cr | ₹2,088 Cr | ₹1,824 Cr |
| Operating Income | ₹3,016 Cr | ₹2,693 Cr | ₹2,665 Cr | ₹2,603 Cr | ₹2,402 Cr | ₹2,359 Cr | ₹2,618 Cr | ₹2,266 Cr |
| Provisions and contingencies | ₹950 Cr | ₹834 Cr | ₹1,006 Cr | ₹1,236 Cr | ₹672 Cr | ₹844 Cr | ₹1,064 Cr | ₹1,029 Cr |
| Profit Before Tax | ₹2,066 Cr | ₹1,859 Cr | ₹1,659 Cr | ₹1,367 Cr | ₹1,729 Cr | ₹1,515 Cr | ₹1,554 Cr | ₹1,238 Cr |
| Profit After Tax | ₹1,912 Cr | ₹1,659 Cr | ₹1,505 Cr | ₹1,365 Cr | ₹1,228 Cr | ₹1,112 Cr | ₹1,050 Cr | ₹874 Cr |
| % of Net NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| % of Gross NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EPS | ₹1.02 | ₹0.89 | ₹0.81 | ₹0.74 | ₹0.65 | ₹0.61 | ₹0.57 | ₹0.46 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| INDIAN OVERSEAS BANK | 1.9% | -7.8% | -27.7% |
| STATE BANK OF INDIA | 2.4% | 1.9% | 5% |
| BANK OF BARODA | 4.6% | 6% | -13.1% |
| UNION BANK OF INDIA | 4.3% | 8.4% | 27.5% |
| PUNJAB NATIONAL BANK | 3% | 10.1% | 1.7% |
| CANARA BANK | 2.9% | -1% | -6.6% |
| INDIAN BANK | 3% | 7.4% | 1.2% |
| BANK OF INDIA | 3.9% | 4.4% | -2% |
| BANK OF MAHARASHTRA | 7.4% | 0.2% | 34.4% |
INDIAN OVERSEAS BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | 4.86 % |
| Y-o-Y | 26.32 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| Sep2026 | ₹3,867 Cr | 4.86 | |
| Jun2026 | ₹3,688 Cr | 6.28 | |
| Mar2026 | ₹3,470 Cr | 5.19 | |
| Dec2025 | ₹3,299 Cr | 7.75 | |
| Sep2025 | ₹3,061 Cr | 11.39 | |
| Jun2025 | ₹2,748 Cr | -12.04 | |
| Mar2025 | ₹3,124 Cr | 11.91 | |
| Dec2024 | ₹2,792 Cr | - | |
INDIAN OVERSEAS BANK Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | 12.01 % |
| Y-o-Y | 25.61 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| Sep2026 | ₹3,016 Cr | 12.01 | |
| Jun2026 | ₹2,693 Cr | 1.05 | |
| Mar2026 | ₹2,665 Cr | 2.38 | |
| Dec2025 | ₹2,603 Cr | 8.39 | |
| Sep2025 | ₹2,402 Cr | 1.82 | |
| Jun2025 | ₹2,359 Cr | -9.90 | |
| Mar2025 | ₹2,618 Cr | 15.51 | |
| Dec2024 | ₹2,266 Cr | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | 6.82 % |
| Y-o-Y | -0.56 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Sep2026 | 78.01% | 6.82 | |
| Jun2026 | 73.03% | -4.92 | |
| Mar2026 | 76.81% | -2.67 | |
| Dec2025 | 78.92% | 0.60 | |
| Sep2025 | 78.45% | -8.59 | |
| Jun2025 | 85.82% | 2.42 | |
| Mar2025 | 83.79% | 3.23 | |
| Dec2024 | 81.17% | - | |
INDIAN OVERSEAS BANK Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | 15.26 % |
| Y-o-Y | 55.75 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| Sep2026 | ₹1,912 Cr | 15.26 | |
| Jun2026 | ₹1,659 Cr | 10.22 | |
| Mar2026 | ₹1,505 Cr | 10.28 | |
| Dec2025 | ₹1,365 Cr | 11.18 | |
| Sep2025 | ₹1,228 Cr | 10.45 | |
| Jun2025 | ₹1,112 Cr | 5.85 | |
| Mar2025 | ₹1,050 Cr | 20.18 | |
| Dec2024 | ₹874 Cr | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | 9.95 % |
| Y-o-Y | 32.86 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Sep2026 | 20.78 % | 9.95 | |
| Jun2026 | 18.9 % | 6.60 | |
| Mar2026 | 17.73 % | 6.17 | |
| Dec2025 | 16.7 % | 6.78 | |
| Sep2025 | 15.64 % | 3.92 | |
| Jun2025 | 15.05 % | 9.38 | |
| Mar2025 | 13.76 % | 12.05 | |
| Dec2024 | 12.28 % | - | |
INDIAN OVERSEAS BANK Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | 14.61 % |
| Y-o-Y | 56.92 % |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Sep2026 | ₹1.02 | 14.61 | |
| Jun2026 | ₹0.89 | 9.88 | |
| Mar2026 | ₹0.81 | 9.46 | |
| Dec2025 | ₹0.74 | 13.85 | |
| Sep2025 | ₹0.65 | 6.56 | |
| Jun2025 | ₹0.61 | 7.02 | |
| Mar2025 | ₹0.57 | 23.91 | |
| Dec2024 | ₹0.46 | - | |
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