Indian Overseas Bank (NSE: IOB) is a public sector bank headquartered in Chennai, Tamil Nadu, India. It was founded in 1937 and nationalized in 1969. The bank has over 3,000 branches across India and a presence in various countries, including Singapore, Hong Kong, Thailand, and South Korea. IOB offers a wide range of banking services, including retail banking, corporate banking, and international banking.<\/p>\n
As of December 2022, IOB reported a total income of INR \u20b96,008.07 crores, with a net profit of \u20b9555.05 crores. IOB has been working on strengthening its balance sheet by focusing on recoveries and reducing non-performing assets (NPAs). The bank’s gross NPA ratio decreased from 10.40% in December 2021 to 8.19% in December 2022, and its net NPA ratio decreased from 2.63% to 2.43% during the same period.<\/p>\n
In terms of business segments, IOB’s retail banking segment contributed 43% to the bank’s total advances, followed by corporate banking & treasury at 27% each, and remaining by the Other Banking Operations. As of December 2022, the bank’s CAR stood at 15.16%, down from 15.41% in December 2021.<\/p>\n","protected":false},"excerpt":{"rendered":"
Indian Overseas Bank (NSE: IOB) is a public sector bank headquartered in Chennai, Tamil Nadu, India. It was founded in 1937 and nationalized in 1969. The bank has over 3,000 branches across India and a presence in various countries, including Singapore, Hong Kong, Thailand, and South Korea. IOB offers a wide range of banking services, […]<\/p>\n","protected":false},"author":1917,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[392],"tags":[8200],"class_list":["post-142799","post","type-post","status-publish","format-standard","hentry","category-earnings","tag-retail-banking"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_likes_enabled":false,"jetpack-related-posts":[{"id":174593,"url":"https:\/\/alphastreet.com\/india\/indian-overseas-bank-iob-q3-2025-earnings-call-transcript\/","url_meta":{"origin":142799,"position":0},"title":"Indian Overseas Bank (IOB) Q3 2025 Earnings Call Transcript","author":"News desk","date":"January 22, 2026","format":false,"excerpt":"Indian Overseas Bank (NSE: IOB) Q3 2025 Earnings Call dated Jan. 20, 2025 Corporate Participants: Sonali Pandey \u2014 Investor Relations, Veritas Reputation PR Pvt Ltd Mahesh Kumar S P \u2014 General Manager and Chief Financial Officer Unidentified Speaker Analysts: Ashok Ajmera \u2014 Analyst Presentation: Operator Ladies and gentlemen, Good day\u2026","rel":"","context":"In "Earnings Call Transcripts"","block_context":{"text":"Earnings Call Transcripts","link":"https:\/\/alphastreet.com\/india\/category\/transcripts\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/Transcript-thumbnail.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/Transcript-thumbnail.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/Transcript-thumbnail.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":142795,"url":"https:\/\/alphastreet.com\/india\/earnings-summary-of-indian-bank-limited-for-q3-fy23\/","url_meta":{"origin":142799,"position":1},"title":"Earnings Summary Of Indian Bank Limited For Q3 FY23","author":"Hardik Bhandare","date":"February 24, 2023","format":false,"excerpt":"Indian Bank is a public sector bank established in 1907 and headquartered in Chennai, India. 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