Indian Overseas Bank Q4 earnings: Indian Overseas Bank (IOB) reported its earnings for the fourth quarter of the 2025-26 financial year (Q4 FY26) on Wednesday, April 29.
The public sector bank reported a 43.23% year-on-year (YoY) growth in its net profit to ₹1,505.45 crore during the quarter under review, compared to ₹1,051.07 crore in the January to March quarter of the 2024-25 fiscal year (Q4 FY25).
Its net interest income (NII) advanced by 11.1% YoY to ₹3,469.71 crore in Q4 FY26, as against ₹3,122.95 crore in the same period of the previous fiscal year.
The bank's domestic net interest margin (NIM) fell by 42 basis points (bps) to 3.35% for the quarter, from 3.77% in Q4 of the previous year.
Its global NIM stood at 3.25%, marking a 33 bps YoY drop from 3.58% in the March quarter of FY25.
Its asset quality improved, as its gross non-performing assets (GNPA) declined to 1.42% for the reporting quarter, from 2.14% in Q4 FY25.
Its net non-performing assets (NNPA) improved to 0.21% in the March quarter of FY26, in comparison to 0.37% in the year-ago period.
The bank reported a 56.16% YoY surge in its net profit to ₹5,208 crore for FY26, as compared to ₹3,335 crore in the 2024-25 fiscal year.
Indian Overseas Bank stock performance
Following the result announcement, shares of the bank rose as much as 4.06% to hit an intraday high of ₹36.39 per unit on the National Stock Exchange (NSE) on Thursday.
At around 2:34 PM, the stock was trading 0.80% higher at ₹35.25 per equity share, compared to the closing price of ₹34.97 in the previous session.
The scrip has declined 0.5% in the past week but gained 9% over the month. On a year-to-date basis, it has fallen 3%.
While the share hit a 52-week high of ₹42.80 apiece on June 3, 2026, it touched a year's low of ₹31.20 per unit on March 30, 2026.
Indian Overseas Bank has a total market capitalisation of ₹67,802.45 crore as of April 29, 2026, according to data on the NSE.