I O B Q1 FY27 results (Apr–Jun 2026) and concall

Financial Services · Concall AI · Call held 20 Jul 2026

Company page: I O B share price, financials & guidance record

Indian Overseas Bank delivered strong Q1 FY27 results, driven by robust credit growth, improved asset quality, and expanding margins. Net profit surged by 49.32% YoY to INR 1,659 crores, while operating profit grew 14.21%. The bank significantly reduced its GNPA and NNPA percentages to 1.33% and 0.18% respectively, alongside a healthy 22.75% YoY growth in advances. Management expressed confidence in sustaining profitability and asset quality, with strategic focus on CASA, digital initiatives, and capital raising plans.

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What they filed

Q1 FY27: revenue up 18.8%, net profit up 49.3% against the same quarter last year.

₹ Cr · quarterly

Line item	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26	Q4 FY26	Q1 FY27
Revenue	7,112	7,634	7,386	7,849	8,172 +15%	8,489 +11%	8,778 +19%
Expenses	2,849	3,150	2,713	2,697	3,430	3,102	3,989
Other income	1,298	1,581	1,481	1,365	1,499	1,291	2,160
Interest	4,323	4,511	4,639	4,790	4,874	5,019	5,090
Depreciation	0	0	0	0	0	0	0
Profit before tax	1,237	1,554	1,514	1,728	1,367 +11%	1,659 +7%	1,859 +23%
Tax rate	29%	32%	27%	29%	0%	9%	11%
Net profit	874	1,051	1,111	1,226	1,365 +56%	1,505 +43%	1,659 +49%
EPS	0.46	0.55	0.58	0.64	0.71	0.78	0.86

How to read this

₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.

Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.

What they filed

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