Key Financial Figures (Standalone) (₹ in Lakhs)

Income Statement:

  • Interest Earned: ₹8,77,757
  • Other Income: ₹2,16,023
  • Total Income: ₹10,93,780
  • Interest Expended: ₹5,08,995
  • Operating Expenses: ₹3,15,475 (Employees Cost: ₹2,10,445; Other Operating Expenses: ₹1,05,030)
  • Total Expenditure (excl. Provisions): ₹8,24,470
  • Operating Profit: ₹2,69,310
  • Provisions (other than tax): ₹83,403 (of which Provisions for NPAs: ₹10,554)
  • Profit before tax: ₹1,85,907
  • Tax Expenses: ₹19,983
  • Net Profit: ₹1,65,924

Balance Sheet & Ratios:

  • Paid-up Equity Share Capital: ₹19,25,659 (Face Value ₹10/- per share)
  • Reserves: ₹14,82,485
  • Net Worth: ₹29,25,575
  • Government of India Shareholding: 92.44%
  • Capital Adequacy Ratio (Basel III): 16.88% (CET 1 Ratio: 16.88%; Additional Tier 1 Ratio: 0%)
  • EPS (Basic & Diluted): ₹0.86
  • Gross NPA: ₹4,29,226 (1.33%)
  • Net NPA: ₹58,842 (0.18%)
  • Return on Assets (Annualized): 1.41%
  • Operating Margin: 24.62%
  • Net Profit Margin: 15.17%
  • Debt Equity Ratio: 1.76

Key Financial Figures (Consolidated) (₹ in Lakhs)

  • Total Income: ₹10,93,780
  • Net Profit for the period: ₹1,71,629 (includes Share in Profit from Associates: ₹5,705)
  • EPS (Basic & Diluted): ₹0.89
  • Operating Margin: 24.62%
  • Net Profit Margin: 15.69%

Segment Results (Standalone)

Business Segments (Revenue):

  • Treasury Operations: ₹106,556
  • Corporate/Wholesale Banking: ₹78,042
  • Retail Banking: ₹78,989 (Digital Banking sub-segment: ₹(8); Other Retail Banking: ₹78,997)
  • Other Banking Operations: ₹5,911
  • Unallocated: ₹(188)

Geographical Segments (Revenue):

  • Domestic: ₹10,63,901
  • International: ₹29,879

Capital Structure Impact

There was no change in the paid-up equity share capital during the quarter. The Bank appropriated its entire accumulated losses amounting to ₹18,73,334.22 Lakhs as of March 31, 2026, by utilizing an equivalent amount from the Share Premium account, after obtaining RBI approval on July 01, 2026, and shareholder approval at the AGM on July 07, 2026.

Regulatory Compliance & Attachments

The following documents were enclosed with the submission to the exchanges:

1. Unaudited Financial Results with Segment Results, Statement of Assets and Liabilities, and Independent Audit Report.

2. NIL Security Cover Certificate for unsecured listed debt securities (as per Reg. 54).

3. NIL Statement of Deviation/Variation in fund utilization (as per Reg. 32(1) and Reg. 52(7)/(7A)).

The Financial Results are available on the Bank's website: https://www.iob.bank.in/Financial_perf.

Notes to Accounts Highlights

  • The Bank reversed Deferred Tax Asset of ₹19,616.00 Lakhs on a prudence basis. Carrying balance of Net Deferred Tax Asset is ₹2,43,994.73 Lakhs.
  • Disputed demands: Income Tax ₹4,63,156.45 Lakhs, Service Tax ₹27,780.48 Lakhs, GST ₹160,776.33 Lakhs. No provision is held as management considers them unsustainable.
  • Provision held for accounts under IBC: ₹1,10,71,304.56 Lakhs (99.68% of total outstanding).
  • Provision Coverage Ratio: 97.67% as on June 30, 2026.
  • The Bank holds a forward-looking provision of ₹2,15,000.00 Lakhs for Expected Credit Loss framework.
  • PSLC transactions: Sold ₹32,50,000 Lakhs, earning a commission of ₹86,255 Lakhs; Purchased: Nil.
  • No penalties were levied by RBI during the quarter.

Auditor's Review

The financial results were subjected to a limited review by the Statutory Central Auditors (R. Devendra Kumar & Associates, Laxmi Tripti & Associates, Tej Raj & Pal, and Sanjeev Omprakash Garg & Co.), who issued an unmodified conclusion.