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Ref No. IRC/153/2026-27 24.10.2026
National Stock Exchange of India Ltd.,
BSE Limited,
Exchange Plaza, C-1 Block G,
Floor 1, P.J. Towers, Dalal Street,
Bandra-Kurla Complex, Bandra (E),
Mumbai 400 001
Mumbai – 400 051
BSE SCRIP CODE: 532388 NSE SCRIP CODE: IOB
Madam/Sir,
Disclosure under Regulation 30 of the SEBI (LODR) Regulations, 2015
In terms of SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015, we hereby
inform that as part of RBI Inspection for Supervisory Evaluation (ISE) 2026, it was observed that
the applicable risk weights were not applied for the following:
a) RWA for Corporates (ECB loan under syndication) within which external rating is not
covering the entire exposure of the syndicate.
b) RWA for Corporates (ECB loan under syndication) within which external rating is not
having the name of the lead Bank in syndicate.
c) RWA for Exposures under Syndication-Secondary Arrangement, wherein it has been
acquired from Banks not operating in host jurisdiction.
d) RWA for undisbursed exposure where master was not opened in Core Banking Solution
(CBS) resulting in under reporting of total exposure as on March 31, 2026.
Apart from the above and other observations pointed out in the RBI ISE 2026, the details of Risk
Weighted Assets (RWA) and CRAR, leverage ratio calculated by the Bank as on March 31, 2026
and assessed by RBI as part of ISE 2026 are as under:
(Rs. in Crores)
Calculated by the Assessed by RBI as part of
Particular
Bank ISE 2026
Total Risk Weighted Assets 1,97,931.60 2,05,323.69
Common Equity Tier 1 (CET 1) /
33,524.49 33,514.49
Tier 1 Capital
Total Capital 39,143.98 39,133.98
Common Equity Tier 1 (CET1)/
16.94 16.32
Tier I CRAR (%)
Tier 2 CRAR (%) 2.84 2.74
Total CRAR (%) 19.78 19.06
Leverage Ratio (%) 6.60 6.58
Further, we advise that:
1. The RWA and CRAR as assessed by RBI as part of ISE 2026 does not have any impact on
Net Profit as on March 31, 2026 reported by the Bank.
2. The CET1 CRAR and Total CRAR of the Bank as on March 31, 2026 remain well above the
RBI specified minimum CET1 CRAR of 5.50% and Total CRAR of 11.50%.
Investor Relations Cell, Central Office, 763, Anna Salai, Chennai 600 002
044 – 7172 9791, 2888 9360 | investor@iob.bank.in
3. The Bank has already factored the aforesaid observations of RBI in the calculation of
RWA and CRAR of the Bank for the quarter ended September 30, 2026.
This is for your information and appropriate dissemination.
Yours faithfully,
Raghuram Mallela
Deputy General Manager/
Company Secretary & Compliance Officer
Investor Relations Cell, Central Office, 763, Anna Salai, Chennai 600 002
044 – 7172 9791, 2888 9360 | investor@iob.bank.in