Press Release

PRESS RELEASE FINANCIAL RESULTS FOR THE QUARTER ENDED JUNE 30, 2026 KEY HIGHLIGHTS (QUARTER ENDED JUNE 2026 OVER JUNE 2025) IOB’S CONSISTENT GROWTH MOMENTUM CONTINUES: NET PROFIT JUMPS 49.32% TO ₹1,659 CR IN Q1 FY27 1. Financial Performance: • Net Profit increased by 49.32 % to ₹ 1,659 crore. • Operating profit increased by 14.21 % to ₹ 2,693 crore. • Net Interest Income (NII) increased by 34.30 % to ₹ 3,688 crore. • Domestic NIM increased to 3.48 % while Global NIM increased to 3.37 % • Return on Assets (ROA) increased to 1.41 % • Return on Equity (ROE) increased to 22.69 % 2. Business Growth: • The Bank’s total business increased by 17.72 % to ₹6,98,325 crore. 3. Deposits Growth: • Total Deposits increased by 13.72 % to ₹3,76,193 crore. • Domestic CASA % stood at 41.45% while Global CASA % stood at 41.05 % • SB Deposits increased by 18.14 % to ₹1,27,262 crore. • Retail Term Deposit (RTD) increased by 15.81 % to ₹1,86,882 crore 4. Credit Growth: • Total Credit increased by 22.75 % to ₹3,22,132 crore. • RAM Segment of the Bank increased by 35.82% YoY, within which 36.49% growth in Retail, 46.84% growth in Agri and 16.15% growth in MSME 5. Reduction in NPA: • Gross NPA reduced to 1.33 %. • Net NPA reduced to 0.18 %. 6. Slippages (Fresh Addition): • Total slippages during the quarter reduced to ₹195 Cr • Slippage ratio at historic low at 0.06% for the quarter 7. Recovery of NPA: • Total NPA Recovery stood at ₹654 Cr during the quarter, which is 3.35 times the quarterly slippages. 8. Provision Coverage Ratio (PCR): • Provision Coverage Ratio (PCR) increased by 20 pbs to 97.67% 9. Strong Capital Ratios: • CRAR increased by 108 bps to 19.36 % of which Tier I is 16.88%. 10. Expansion of Branch Network: • The Bank expanded its domestic network to 3,522 branches with the addition of 28 new branches during the quarter. 1 | P age IOB PERFORMANCE IN JUNE '2026 Amt. in Crore Y-o-Y Q-o-Q FOR THE QUARTER PARAMETERS (%) (%) Jun-25 Mar-26 Jun-26 49.32% 10.23% NET PROFIT 1,111 1,505 1,659 14.21% 1.05% OPERATING PROFIT 2,358 2,665 2,693 34.30% 6.28% NET INTEREST INCOME (NII) 2,746 3,470 3,688 31 bps 13 bps NIM-DOMESTIC 3.17% 3.35% 3.48% 33 bps 12 bps NIM-GLOBAL 3.04% 3.25% 3.37% 27 bps 9 bps RETURN ON ASSET (ROA) 1.14% 1.32% 1.41% 369 bps 75 bps RETURN ON EQUITY (ROE) 19.00% 21.94% 22.69% -64 bps -9 bps GROSS NPA % 1.97% 1.42% 1.33% -14 bps -3 bps NET NPA % 0.32% 0.21% 0.18% 20 bps 17 bps PCR % 97.47% 97.50% 97.67% -15 bps -16 bps CREDIT COST % 0.29% 0.30% 0.14% -4 bps -7 bps SLIPPAGE RATIO 0.10% 0.13% 0.06% 108 bps -42 bps CRAR % 18.28% 19.78% 19.36% 6.61% 2.30% CASA DEPOSIT 1,44,837 1,50,936 1,54,415 18.14% 2.17% SB DEPOSIT 1,07,718 1,24,565 1,27,262 -271 bps -1 bps CASA RATIO-DOMESTIC 44.16% 41.46% 41.45% -273 bps 6 bps CASA RATIO-GLOBAL 43.78% 40.99% 41.05% 15.81% 1.79% RETAIL TERM DEPOSIT 1,61,371 1,83,601 1,86,882 13.72% 2.17% TOTAL DEPOSIT 3,30,792 3,68,191 3,76,193 22.75% 3.77% TOTAL ADVANCES 2,62,421 3,10,423 3,22,132 17.72% 2.90% TOTAL BUSINESS 5,93,213 6,78,614 6,98,325 Place: Chennai Date:20.07.2026 2 | P age