Press Release

PRESS RELEASE Financial Results for the Quarter/Half Year ended 30th September 2026 IOB’S CONSISTENT GROWTH MOMENTUM CONTINUES: NET PROFIT JUMPS 55.95% TO ₹1,912 CR IN Q2 FY27 KEY HIGHLIGHTS (FOR THE QUARTER) 1. Net Profit increased by 55.95% YoY to ₹1,912 Crore 2. Operating Profit increased by 25.67% YoY to ₹3,016 Crore 3. Net Interest Income increased by 26.41% YoY to ₹3,867 Crore 4. NIM (Domestic) increased by 14 bps YoY to 3.49% and NIM (Global) increased by 16 bps YoY to 3.37% 5. Return on Assets (ROA) increased by 33 bps YoY to 1.53% 6. Return on Equity (ROE) increased by 463 bps YoY to 24.58% 7. Cost to Income Ratio (CIR) improved by 498 bps YoY to 40.78% 8. Gross NPA ratio reduced by 64 bps YoY to 1.19% and Net NPA ratio reduced by 12 bps YoY to 0.16% 9. Slippage ratio reduced by 4 bps YoY to 0.07% and Credit Cost reduced by 1 bps YoY to 0.17% 10. NPA Recovery during the quarter stood at ₹647 Cr which is 2.95 times the quarterly slippages. 11. CRAR increased by 66 bps YoY to 18.60%, with CET-1 ratio at 16.26%. 12. Global Business increased by 22.05% YoY to ₹7,53,078 Crore 13. Global Advances increased by 24.35% YoY to ₹3,45,650 Crore 14. RAM Segment of the Bank increased by 34.51% YoY, within which 33.77% growth in Retail, 47.31% growth in Agri and 13.80% growth in MSME 15. Global Deposits increased by 20.16% YoY to ₹4,07,428 Crore 16. CASA Deposits increased by 20.73% YoY to ₹1,65,862 Crore 17. Domestic CASA % stood at 41.14% while Global CASA % stood at 40.71 % 18. SB Deposits increased by 18.11% YoY to ₹1,31,408 Crore and CD Deposits increased by 31.87% YoY to ₹34,454 Crore Page 1 of 3 FOR HALF YEAR ENDED SEPTEMBER 2026 (6 MONTHS): PROFITABILITY: 1. Net Profit increased by 52.85% YoY and stood at ₹3,572 Cr for H1 FY27 against ₹2,337 Cr in H1 FY26. 2. Operating Profit increased by 20.01% YoY and stood at ₹5,710 Cr for H1 FY27 against ₹4,758 Cr in H1 FY26. 3. Net Interest Income (NII) increased by 30.15% YoY and stood at ₹7,555 Cr for H1FY27 against ₹5,805 Cr for H1FY26. 4. Non-Interest Income increased by 19.01% YoY and stood at ₹3,387 Cr for H1FY27 against ₹2,846 Cr in H1FY26. KEY RATIOS: 1. NIM (Domestic) increased by 22 bps YoY to 3.48% in H1FY27 against 3.26% in H1FY26. 2. NIM (Global) increased by 25 bps YoY to 3.37% in H1FY27 against 3.12% in H1FY26. 3. Return on Assets (RoA) increased by 29 bps YoY to 1.46% in H1FY27 against 1.17% in H1FY26. 4. Return on Equity (RoE) increased by 443 bps YoY to 23.83% in H1FY27, against 19.40% in H1FY26. 5. Slippage Ratio decreased by 8 bps YoY to 0.14% in H1FY27, against 0.22% in H1FY26. Page 2 of 3 IOB PERFORMANCE IN SEPTEMBER 2026 Amt. in Crore FOR THE QUARTER Y-o-Y Q-o-Q PARAMETERS Sep-25 Jun-26 Sep-26 (%) (%) 55.95% 15.25% NET PROFIT 1,226 1,659 1,912 25.67% 11.99% OPERATING PROFIT 2,400 2,693 3,016 26.41% 4.85% NET INTEREST INCOME (NII) 3,059 3,688 3,867 14 bps 1 bps NIM-DOMESTIC 3.35% 3.48% 3.49% 16 bps NIM-GLOBAL 3.21% 3.37% 3.37% Maintained -498 bps -1317 bps COST TO INCOME RATIO 45.76% 53.95% 40.78% 33 bps 12 bps RETURN ON ASSET (ROA) 1.20% 1.41% 1.53% 463 bps 189 bps RETURN ON EQUITY (ROE) 19.95% 22.69% 24.58% -64 bps -14 bps GROSS NPA % 1.83% 1.33% 1.19% -12 bps -2 bps NET NPA % 0.28% 0.18% 0.16% 21 bps 2 bps PCR % 97.48% 97.67% 97.69% -1 bps 3 bps CREDIT COST % 0.18% 0.14% 0.17% -4 bps 1 bps SLIPPAGE RATIO 0.11% 0.06% 0.07% 66 bps -76 bps CRAR % 17.94% 19.36% 18.60% 18.11% 3.26% SAVINGS BANK DEPOSIT 1,11,260 1,27,262 1,31,408 31.87% 26.89% CURRENT A/C DEPOSIT 26,127 27,153 34,454 20.73% 7.41% CASA DEPOSIT 1,37,387 1,54,415 1,65,862 13 bps -31 bps CASA RATIO-DOMESTIC 41.01% 41.45% 41.14% 19 bps -34 bps CASA RATIO-GLOBAL 40.52% 41.05% 40.71% 12.72% 3.37% RETAIL TERM DEPOSIT 1,71,384 1,86,882 1,93,189 20.16% 8.30% TOTAL DEPOSIT 3,39,066 3,76,193 4,07,428 24.35% 7.30% TOTAL ADVANCES 2,77,968 3,22,132 3,45,650 22.05% 7.84% TOTAL BUSINESS 6,17,034 6,98,325 7,53,078 Place: Chennai Date:26.10.2026 Page 3 of 3