Indian Overseas Bank Q2 FY26 earnings call summary

Earnings call of 16 Oct 2025, summarised by AI from the filing.

IOB reports Q2 FY26 net profit of ₹1,226 cr, up 57.79% YoY, and expects 17-18% credit growth against 12% guidance.

Key takeaways

1. Net profit ₹1,226 cr in Q2 FY26, up 57.79% YoY, an all-time high.
2. Credit growth guidance Management maintains FY26 guidance of 12% but expects 17-18% comfortably.
3. SMA reduction SMA reduced to less than 6% from 7-8% two to three quarters ago.
4. Branch expansion 234 new branches approved, expected in 6-9 months, to drive growth.
5. ECL provision Potential ₹2,700-2,800 cr additional provision, but numbers uncertain.

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)