{"id":174593,"date":"2026-01-22T11:41:49","date_gmt":"2026-01-22T16:41:49","guid":{"rendered":"https:\/\/alphastreet.com\/india\/indian-overseas-bank-iob-q3-2025-earnings-call-transcript\/"},"modified":"2026-01-22T11:41:49","modified_gmt":"2026-01-22T16:41:49","slug":"indian-overseas-bank-iob-q3-2025-earnings-call-transcript","status":"publish","type":"post","link":"https:\/\/alphastreet.com\/india\/indian-overseas-bank-iob-q3-2025-earnings-call-transcript\/","title":{"rendered":"Indian Overseas Bank (IOB) Q3 2025 Earnings Call Transcript"},"content":{"rendered":"

Indian Overseas Bank (NSE: IOB) Q3 2025 Earnings Call dated Jan. 20, 2025<\/span><\/strong><\/p>\n

Corporate Participants:<\/h2>\n

Sonali Pandey<\/strong> \u2014 Investor Relations, Veritas Reputation PR Pvt Ltd<\/em><\/p>\n

Mahesh Kumar S P<\/strong> \u2014 General Manager and Chief Financial Officer<\/em><\/p>\n

Unidentified Speaker<\/strong><\/p>\n

Analysts:<\/h2>\n

Ashok Ajmera<\/strong> \u2014 Analyst<\/em><\/p>\n

Presentation:<\/h2>\n

Operator<\/strong><\/p>\n

Ladies and gentlemen, Good day and welcome to the Indian Overseas Bank Q3 FY25 results conference call hosted by Veritas Reputation PR Ltd. As a reminder, all participant line will be in listen only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing Star then zero on your touch tone phone. Please note that this conference is being recorded.<\/p>\n

I now hand the conference over to Ms. Sonali Panne from Vertices Reputation PR Private Limited. Thank you and over to you ma’am.<\/p>\n

Sonali Pandey<\/strong> \u2014 Investor Relations, Veritas Reputation PR Pvt Ltd<\/em><\/p>\n

Thank you. Good evening and welcome to Indian Overseas Bank Conference call to discuss our financial results for Quarter 3 FY 2025 ended 12-31-20.<\/p>\n

Indian Overseas bank, headquartered in Chennai, continues to strengthen its presence with 3,322 branches, eight retail loan processing centers, 3,503 ATMs and 9,041 business correspondence across India as on December 31, 2024. IOB also provides services in four countries, Singapore, Hong Kong, Thailand and Sri Lanka. With a trust of 41 million active customers in Banks Fold. Our comprehensive suite of services spans personal, corporate and agricultural banking along with credit cards, loans and insurance products. In 2024, IOB was among the top performing public sector banks contributing to the nifty PSU Bank’s index 14.48% annual gain. IOB delivered strong earnings growth driven by improved asset quality and reduced provisions reflecting the broader resilience of the PSU banking sector. Our financial results are available on our website and stock exchange platform.<\/p>\n

Before we proceed, please note that today’s discussion may include forward looking statements subject to risks and uncertainties that could impact future outcomes. We encourage you to consider these factors when evaluating our performance.<\/p>\n

Joining us today are Mr. Ajay Kuban Srivastava Managing Director and CEO Mr. Joydeep Duttaroy Executive Director Mr. Dhanaraj T Executive Director. We will begin with an overview of Q3FY25 performance followed by a Q and A session.<\/p>\n

I now invite Mr. Mahesh Kumar, SB Chief Financial Officer to present the financial highlights. Over to you Sir.<\/p>\n

Mahesh Kumar S P<\/strong> \u2014 General Manager and Chief Financial Officer<\/em><\/p>\n

Thank you. Amit Sonali Good evening to all. Wish you all analysts, investors and the stakeholders a very happy and prosperous new year 2025.<\/p>\n

Regarding the bank during the current Q3 202425 bank has achieved a remarkable growth in business. Mix of Rupees 5.42 lakh crore as on 31st December 2024 recording year on year growth over 9.82%. I present an overview of the Bank’s performance during Q3 202425 GAAS has grown in absolute terms to Rupees 1.32 lakh crore with year on year growth rate of 9.45%. Total deposits growth achieved at 3.05 lakh crore as on 31st December 2021 with an year on year growth rate of 9.74%.<\/p>\n

Gross advances grown year on year by 9.93% and stood at 2.38 lakh crore. Operating profit registered year on year improvement of 27.30% at 2,266 crore.<\/p>\n

Net profit grown year on year by 20.89% at 874 crore provision coverage ratio improved to 97.07% as on 31st December 2024 Capital Adequacy Ratio at 16.97 against the regulatory requirement of 11.50% financial performance.<\/p>\n

Total income increased year on year by 13.07% to 8409 crores. Overall interest income grown year on year by 15.16% mainly due to growth in the advances level. Interest expenses increased year on year by 14.43% due to growth in deposit levels and the borrowings increased to meet the credit demand. Net interest income increased year on year by 16.31% at 2,789 crore. Non interest income improved year on year by 2.85% due to recoveries in return of affords and increase in other fee. Income provisions on NPS marginally increased by 9% due to migration provision that is aging related and all efforts are made to reduce the slippage to arrest the slippages and reduce the NPAs by robust recovery system.<\/p>\n

Tax expense increased due to reversal of deferred tax assets and provision for income tax at overseas branches amounting to rupees three crore. Thus the bank has posted an impressive net profit of 874 crore for Q3 202425 with improvement year on year by 20.89%.<\/p>\n

Cost of deposits increased to 5.08%. Previous year it was 4.82% due to offering of competitive interest on one deposit product I.e. 444 day scheme which is attracting more deposits. Cost of funds increased due to increase in borrowings to meet the searching demand for the credit.<\/p>\n

Yield on Investments improved to 6.86% due to planned investments in high yielding securities. Yield on Advances improved to 9.02% mainly due to improved margins under ramp segment. In addition to marginal Increase in the MTLR there is an improvement in yield on funds to 8.45%. Return on assets improved year on year 2.93%.<\/p>\n

Return on equity improved year on year to 17.86%. Cost to income ratio reduced to 44.55% and year on year reduction if you see it is 680bps. It has reduced total advances registered a growth of 3.25% over previous quarter and year on year growth of 9.93% and stood at 2.38 lakh crore.<\/p>\n

Credit deposit ratio improved by 379 bips over previous quarter and year on year by 14 bips at 77 retail improved by 25.73% mainly due to improved credit growth under home loans, vehicle loans, personal loans and other retail loans like jewel loans, deposit loans, etc. Agriculture sector has grown by 37.38%. MSME growth registered by 6.11%. Corporate credit declined by 19.63%. Main focus is on corporate credit is towards A and above rate Corporate borrowers which is constituting right now at 65%. Overseas credit growth at 0.28%.<\/p>\n

Restructuring accounts restructured accounts There is a reduction in Restructured Accounts to 4307 crores as on 31st December 2024. NPA Management Gross NPA reduced from 8441 crores to 6071 crore. Net NPA reduced from 1303 crore to 976 crores. Total recovery from NPA during Q3 was 957 crore. And total recovery from Technical Written of Accounts was 677 crore. Provision coverage ratio improved from 96.85% to 97.07%. Provision. The PCR excluding technical write up is at 83.92%. Robust and continuous monitoring system has improved in controlling slippages.<\/p>\n

Slippage ratio reduced year on year from 0.17 to 0.13%. Slippages during Q3 is 284 crore. Capital adequacy the focus is given towards the capital light advances. Overall capital adequacy ratio is at 16.97%. That is without including the current year profits. Whatever we have earned on quarterly basis and valuation slide. There is a significant improvement equity earnings per share, return on assets and this is what I submit to you. Thank you.<\/p>\n

Operator<\/strong><\/p>\n

So, should we begin the question and answer session?<\/p>\n

Unidentified Speaker<\/strong><\/p>\n

Yes, please.<\/p>\n

Questions and Answers:<\/h2>\n

Operator<\/strong><\/p>\n

Thank you very much. We will now begin the question and answer session. Anyone who wishes to ask a question may press Star and one on their touchstone telephone. If you wish to remove yourself from the question queue, you may press Star and two participants are requested to use handsets while asking a question. Ladies and gentlemen, we will wait for a moment while the question queue assembles. The first question is from the line of Ashok Ajmeera from AGCON Global. Please go ahead.<\/p>\n

Ashok Ajmera<\/strong><\/p>\n

Yeah. Thank you very much for giving these opportunities. I’m Ashok Ajmera, chairman of AJCON Global. Compliments to you sir and the entire team of Indian Overseas Bank. For a good set of numbers even in this quarter also you have excelled on many fronts. Especially you know the end of the day everybody is concerned about your pad which is of course as very good. You improved on the every. Everyone is bothered nowadays on the bottom line. So you improved your bottom line a lot even in this quarter. Also good control on the gross NPA and net NPA Good ROA number.<\/p>\n

Having said this arrival. Some observations and some questions and some data points to ask. So number one is in the other. In the other interest income. In the interest income there is 1218 crore in this quarter. Whereas in the last quarter it was zero. So I might not have got the full details. But what. What it could be. This is one if you can otherwise like I can ask my other questions also.<\/p>\n

Unidentified Speaker<\/strong><\/p>\n

Yeah, I will come back. That is. That is the recovery from technical return of accounts that goes to other income.<\/p>\n

Ashok Ajmera<\/strong><\/p>\n

Technical written office recovery from written up. It’s a means that 635 crore is in addition to this 218 crore.<\/p>\n

Unidentified Speaker<\/strong><\/p>\n

Okay, sorry, I will give that clarification. The recovery from technical return of it is already shown separately. That is income tax. Income Income tax refund interest.<\/p>\n

Ashok Ajmera<\/strong><\/p>\n

Interest on income tax. Yeah, that’s what only I was wondering that this is there we have. If you look at the our this note number 18 about the tax liability which is coming I think every quarter and which is all disputed liabilities about tax. Direct tax 3560 crore. Indirect tax 1455 crore which the auditor has given in the note number 18. Yeah, I would just like to know. And there was also one recent I think tribunal decision also about the banking on the mat credit also that yes you are not met. Was not applicable or something. So what is the impact on this And. And where do we stand on this big. You know almost about 5,000 crore of liability hanging on. On which there is no provision. So can you throw some light on that?<\/p>\n

Unidentified Speaker<\/strong><\/p>\n

Yes. In fact if you remember Mr. Mera you read this question in our last meet Also at that point of time this contingent liability on tax was around 10,000 crores. And in that meeting also it was conveyed to you by me is that of course there is no provision. Because we expect that almost 100% of our demand is general and we are going to get it back. So Today, today the 10,000 crores. We are standing at 5014 crores only. And, and, and giving effect orders from income tax authorities of around 4,100 crores is already released. And that is how that 10,000 crores has got reduced to 5,000 crores. Which goes on to. Let me finish. Which goes on to show that whatever we said and whatever belief was that our. Our demands are genuine and it will be acceptable. It has been accepted. 50% has been already been reduced. Giving effect orders. We have got remaining 5000 crores also. It is under discussion and under consideration hopefully going forward. Also we are not required to make any provision against that. And we are 100% hopeful that this will also be settled in our favor.<\/p>\n

Ashok Ajmera<\/strong><\/p>\n

Good. Sir, when you are talking about this, can we also get the clarification on AS23. You know the loss in the value of the investment which we have made in our books other companies there. There is a. I think a loss of 373 crore which has directly been reduced from the reserve as per the note. So, so what is that and whether. Whether other banks are also doing that because somehow I missed or ionad notice such note in the other banks that note on as 23. Hello.<\/p>\n

Unidentified Speaker<\/strong><\/p>\n

This is the consolidation effect. You can.<\/p>\n

Unidentified Speaker<\/strong><\/p>\n

Good evening. This is while consolidating the both accounts. It is a standalone. We do not have any effect on this while consolidating the accounts. This effect has been taken pertaining to our rrb. That is an associate is there. So that is the effect.<\/p>\n

Ashok Ajmera<\/strong><\/p>\n

Okay. That RRB is this thing. And in consolidation we don’t include universal shampoo where we are holding 18.06%. What. What is our plan on that? Do we want to increase the stake or. We want to high up this stake, sir, keeping 18.06%.<\/p>\n

Unidentified Speaker<\/strong><\/p>\n

We want to continue with that in the immediate future. You want to continue with that.<\/p>\n

Ashok Ajmera<\/strong><\/p>\n

Because it is not adding to the consolidation also. It is just a plain investment anyway.<\/p>\n

Unidentified Speaker<\/strong><\/p>\n

Yes. Yeah.<\/p>\n

Ashok Ajmera<\/strong><\/p>\n

It’s your call now. Sir, on the credit and deposit…<\/p>\n

Operator<\/strong><\/p>\n

Interrupt Mr. Ashok.<\/p>\n

Ashok Ajmera<\/strong><\/p>\n

Just a minute. Just a minute. Just one. Give me one minute. One minute. Okay. Yeah. Sir, on the credit and deposit, I mean on the business front, even though annualized four quarter we are saying that 9%, nine and a half percent growth on the credit in this three quarters we have grown 8.49%. So what is our. Are we achieving our target on the credit deposit side? Also, even in the last quarter we have slowed down rather negative one by 1.78%. So overall in the ninth three quarters it is 6.72% only, even though we are maintaining good CASA. So what is your views around this? The credit expansion, the credit growth for FY25 total overall. Similarly, the deposits.<\/p>\n

Unidentified Speaker<\/strong><\/p>\n

See both things credit and debo. In the beginning of the year we gave that guidance that we intend to grow up by around 13% both deposit and credit. Nine months we have almost around 10%, nine, nine and a half in deposit as well as credit. And we are pretty confident that by the end of this financial year, deposit and credit growth both will be thereby at least above 13%. That is what we are working at. Having come to deposit de growth we are talking about. So there are three components of deposit that is casa, retail term deposit and bulk deposit. So casa, we have increased, retail term deposit. We have increased bulk deposit because of high cost, high rate of interest we have as a part of the strategy. Deliberately we have shared our bulk deposit, which was high cost to the bank. So that was a deliberate attempt. And because of that, only deposit was showing a negative growth.<\/p>\n

But having said that, the bulk deposit consists of only 5% of my total deposit portfolio. Remaining 90%, 95% is CASA and retail term deposit. And in both this CASA and retail term deposit, we have grown.<\/p>\n

Operator<\/strong><\/p>\n

Thank you. Ladies and gentlemen, you may press star and one to ask a question. A reminder to all the participants. You may press star and one to ask a question. Ladies and gentlemen, you may press star and one to ask a question.<\/p>\n

As there are no further questions from the participants, I would now like to hand the conference over to the management for closing comments.<\/p>\n

Unidentified Speaker<\/strong><\/p>\n

Okay, so thank you everyone for joining. As you can see, quarter on quarter improvement in all key parameters. All key ratio there has been there. We are ensuring that quarter on quarter whatever is supposed to improve, that is getting improved. And quarter on quarter whatever is supposed to reduce, that is getting reduced. We want to be known as a consistent bank, a bank which consistently performs. And if you go through over last eight or nine quarters of October performance. You can see that quarter on quarter, there has been steady growth, which is sustainable. And. And that is what we intend to do going forward also. And this is the intention. This is the intent. And for achieving that, we at iu, with the entire team, is working for that. So thank you all for joining and raising your questions for clarification. Thank you so much.<\/p>\n

Operator<\/strong><\/p>\n

Thank you. On behalf of Veritas Reputation PR Private Limited. That concludes this conference. Thank you for joining us. And you may now disconnect your lines.<\/p>\n","protected":false},"excerpt":{"rendered":"

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 and welcome to the Indian […]<\/p>\n","protected":false},"author":2377,"featured_media":147581,"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":[6349],"tags":[10169,9175,9104,9092,14492,10089],"class_list":["post-174593","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-transcripts","tag-earnings","tag-earnings-call","tag-earnings-conference","tag-earnings-transcripts","tag-financial-results","tag-quarterly-earnings"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/Transcript-thumbnail.jpg","jetpack_likes_enabled":false,"jetpack-related-posts":[{"id":142799,"url":"https:\/\/alphastreet.com\/india\/earnings-summary-of-indian-overseas-bank-limited-for-q3-fy23\/","url_meta":{"origin":174593,"position":0},"title":"Earnings Summary Of Indian Overseas Bank Limited For Q3 FY23","author":"Hardik Bhandare","date":"February 24, 2023","format":false,"excerpt":"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. 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It provides a range of banking products and services to its customers, including personal banking, corporate banking, MSME banking, agricultural banking, and international banking. The bank has a strong network of branches across India and\u2026","rel":"","context":"In "Earnings"","block_context":{"text":"Earnings","link":"https:\/\/alphastreet.com\/india\/category\/earnings\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":142677,"url":"https:\/\/alphastreet.com\/india\/punjab-national-bank-q3fy23-earnings-story\/","url_meta":{"origin":174593,"position":3},"title":"Punjab National Bank Q3FY23 Earnings Story","author":"Karan_Singh","date":"February 23, 2023","format":false,"excerpt":"The first Swadeshi bank in India is Punjab National Bank. The Government of India owns PNB, a bank that offers banking and financial services, and it is based in New Delhi. After IOB, it is the third-largest PSU in India. 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