Indian Overseas Bank Q4 FY26 earnings call summary

Earnings call of 8 May 2026, summarised by AI from the filing.

IOB FY26 net profit ₹5,208 cr (+56.16%), GNPA 1.42%; management guides NIM at 3.30-3.35% and plans full ECL front-loading by April 2027.

Key takeaways

1. Net profit FY26 net profit ₹5,208 cr (FY25: ₹3,335 cr, +56.16%).
2. NIM guidance Management expects to maintain NIM in 3.30-3.35% range.
3. ECL buffer ₹1,750 cr ECL provision created; targeting full front-loading by April 2027.
4. West Asia risk No stress seen in existing accounts so far from West Asia crisis.

Original filing on BSE

Indian Overseas Bank Q1 FY27 results

As filed: Revenue ₹8,778 cr, EBITDA −₹301 cr, PAT ₹1,659 cr, EBITDA margin -3.4%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹8,489 cr, EBITDA ₹368 cr, PAT ₹1,505 cr, EBITDA margin 4.3%. Not scored. Bank result format: not scored yet. Share price after the results: −4.4% in 30 days (Nifty 500: −0.5%).
• Q3 FY26: Revenue ₹8,172 cr, EBITDA −₹132 cr, PAT ₹1,365 cr, EBITDA margin -1.6%. Not scored. Bank result format: not scored yet. Share price after the results: +2.1% in 30 days (Nifty 500: −0.7%).
• Q2 FY26: Revenue ₹7,851 cr, EBITDA ₹364 cr, PAT ₹1,228 cr, EBITDA margin 4.6%. Not scored. Bank result format: not scored yet. Share price after the results: −3.6% in 29 days (Nifty 500: +2.0%).
• Q1 FY26: Revenue ₹7,387 cr, EBITDA ₹34.6 cr, PAT ₹1,112 cr, EBITDA margin 0.5%. Not scored. Bank result format: not scored yet. Share price after the results: −9.2% in 27 days (Nifty 500: −3.2%).
• Q4 FY25: Revenue ₹7,635 cr, EBITDA −₹27.8 cr, PAT ₹1,092 cr, EBITDA margin -0.4%. Not scored. Bank result format: not scored yet. Share price after the results: +6.2% in 28 days (Nifty 500: +3.5%).
• Q3 FY25: Revenue ₹7,116 cr, EBITDA −₹60.5 cr, PAT ₹875 cr, EBITDA margin -0.9%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹6,854 cr, EBITDA −₹652 cr, PAT ₹780 cr, EBITDA margin -9.5%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Indian Overseas Bank earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (20 Jul 2026), Results deck (20 Jul 2026), Results press release (20 Jul 2026)
• Q4 FY26: Earnings call (8 May 2026)
• Q3 FY26: Earnings call (14 Jan 2026), Results deck (14 Jan 2026)
• Q2 FY26: Earnings call (16 Oct 2025), Results deck (16 Oct 2025), Results deck (28 Nov 2025)
• Q1 FY26: Earnings call (29 Jul 2025), Results deck (18 Jul 2025), Results press release (18 Jul 2025)
• Q4 FY25: Earnings call (2 May 2025), Results deck (2 May 2025), Results press release (2 May 2025)
• Other events: Strategy deck (16 Mar 2026)