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Indian Overseas Bank Q2 FY27 results deck summary

NSE: IOB · BSE: 532388

Results deck of 26 Oct 2026, summarised by AI from the filing.

Q2 FY27 net profit was ₹1912 cr, up 55.95% from ₹1226 cr in Q2 FY26 and 15.25% above ₹1659 cr in Q1 FY27.

Key takeaways

  1. Net profit Q2 FY27 net profit was ₹1912 cr, up 55.95% from ₹1226 cr in Q2 FY26 and 15.25% above ₹1659 cr in Q1 FY27.
  2. Asset quality Gross NPA ratio fell to 1.19% and net NPA ratio to 0.16% in Q2 FY27, with PCR at 97.69%.
  3. Operating income Operating income fell 12.89% quarter on quarter to ₹5094 cr from ₹5848 cr, even as net interest income rose 4.85%.
  4. RAM-led growth Advances grew 24.35% year on year to ₹345650 cr, led by agri advances up 47.31% and retail advances up 33.77%.
  5. Overseas NPA Overseas advances carried an NPA ratio of 6.26% on ₹22422 cr, well above the domestic NPA ratio of 0.84%.

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

Figures from the company's filings with NSE and BSE. Not investment advice.