IOB

Performance Analysis For Quarter Ended 30TH June 2026 (20.07.2026) Table of Content PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE 03 05 BUSINESS PERFORMANCE NPA MANAGEMENT 13 20 CAPITAL ADEQUACY FINANCIAL INCLUSION 23 25 CUSTOMER TOUCH POINT SHARE HOLDING PATTERN 26 27 ASSETS & LIABILITIES DIGITAL INITIATIVES 28 34 ESG INITIATIVES ACCOLADES & AWARDS 42 45 2 PERFORMANCE HIGHLIGHTS (Rs. In Crores) PROFITABILITY Quarter Ended Y-o-Y ( %) Parameters Jun-25 Jun-26 Net Interest Income 2746 3688 34.30% Y T I L Non Interest Income 1481 2160 45.87% I B A Operating Income 4227 5848 38.35% T I F O Operating Profit 2358 2693 14.21% R P Net Profit 1111 1659 49.32% BUSINESS GROWTH Quarter Ended Parameters Y-O-Y ( %) Jun-25 Jun-26 CASA 144837 154415 6.61% SH Savings Bank 107718 127262 18.14% S ET W Retail Term Deposits 161371 186882 15.81% N IO S Total Deposits 330792 376193 13.72% UR BG Advances 262421 322132 22.75% Business 593213 698325 17.72% 3 PERFORMANCE HIGHLIGHTS (Rs. In Crores) STRENGTHENING FINANCIAL INDICATORS S Quarter Ended R O Parameters Y-o-Y ( %) GT A Jun-25 Jun-26 N C I N I ED NIM (DOMESTIC) 3.17% 3.48% 31 bps HN TI G L NIM (GLOBAL) 3.04% 3.37% 33 bps A N I EC ROA 1.14% 1.41% 27 bps R N T SA ROE 19.00% 22.69% 369 bps N I CRAR 18.28% 19.36% 108 bps F ASSET QUALITY Quarter Ended Parameters Y-o-Y (%) Jun-25 Jun-26 Gross NPA 5178 4292 -17.11% Y T I L Net NPA 816 588 -27.94% A U Q GNPA% 1.97% 1.33% (64 bps) T E NNPA% 0.32% 0.18% (14 bps) S S A PCR 97.47% 97.67% 20 bps 4 FINANCIAL PERFORMANCE (Rs. In Crores) Quarter Ending Growth % Particulars Q-o-Q Y-o-Y June 26 June 26 Jun-25 Mar-26 Jun-26 Over Over Mar 26 June 25 Interest Income 7386 8489 8778 3.40% 18.85% Interest Expenses 4639 5019 5090 1.41% 9.72% Net Interest Income 2746 3470 3688 6.28% 34.30% Non Interest Income 1481 1291 2160 67.31% 45.85% Operating Income 4227 4761 5848 22.83% 38.35% Operating Expenses 1869 2096 3155 50.52% 68.81% Operating Profit 2358 2665 2693 1.05% 14.21% Total Provisions 844 1006 834 -17.10% -1.18% Tax expenses 403 154 200 29.87% -50.37% Net Profit 1111 1505 1659 10.23% 49.32% 5 TOTAL INCOME (Rs. In Crores) Quarter Ending Growth % Q-o-Q Y-o-Y Particulars June 26 June 26 Jun-25 Mar-26 Jun-26 Over Over Mar 26 June 25 Interest on Loans 5509 6442 6662 3.42% 20.93% Interest on Investment 1829 1912 1978 3.45% 8.15% Other Interest Income 48 135 138 2.22% 187.50% Total Interest Income 7386 8489 8778 3.40% 18.85% Exchange & Commission 398 510 476 -6.67% 19.60% Profit / Loss on Sale of 207 -63 194 -407.94% -6.28% Investments Recovery from technical 574 540 487 -9.81% -15.16% Written off A/cs PSLC Commission 199 48 863 1697.92% 333.67% All other Income 103 256 141 -44.92% 36.89% Total Non Interest Income 1481 1291 2160 67.31% 45.85% Total Income 8866 9780 10938 11.84% 23.37% 6 FEE BASED INCOME (Rs. In Crores) Quarter Ending Growth % Q-o-Q Y-o-Y Particulars June 26 June 26 Jun-25 Mar-26 Jun-26 Over Over Mar 26 June 25 A. Exchange & Commission 121 172 90 -47.67% -25.62% B. Income from Non Fund 60 68 83 22.06% 38.33% Based Business C. Processing charges 109 124 177 42.74% 62.39% D. ATM/DBD Related Income 97 140 128 -8.57% 31.96% E. Marketing/FI/Govt 17 15 18 20.00% 5.88% Business F. Miscellaneous Income 243 176 921 423.30% 279.01% FEE BASED INCOME 647 696 1418 103.74% 119.17% (A+B+C+D+E+F) Overseas 18 15 19 26.67% 5.56% Fee Based Income-Global 665 710 1437 102.39% 116.09% 7 TOTAL EXPENSES (Rs. In Crores) Quarter Ending Growth % Particulars Q-o-Q Y-o-Y June 26 June 26 Jun-25 Mar-26 Jun-26 Over Over Mar 26 June 25 Interest on Deposits 4006 4287 4336 1.14% 8.24% Interest on Borrowings 633 733 754 2.86% 19.12% Total Interest Expenses 4639 5019 5090 1.41% 9.72% Staff Expenses 1166 1006 2104 109.15% 80.45% Other Expenses 703 1090 1050 -3.67% 49.36% Operating Expenses 1869 2096 3155 50.52% 68.81% Total Expenses 6509 7115 8245 15.88% 26.67% 8 PROFIT PARAMETER (Rs. In Crores) Quarter Ending Growth % Q-o-Q Y-o-Y Particulars June 26 June 26 Jun-25 Mar-26 Jun-26 Over Over Mar 26 June 25 Operating Profit 2358 2665 2693 1.05% 14.21% Provisions 844 1006 834 -17.10% -1.18% of which NPA Provisions A.) NPA Provisions 178 225 106 -52.89% -40.45% B.) Other Provisions 666 781 728 -6.79% 9.31% Tax Expenses 403 154 200 29.87% -50.37% Net Profit 1111 1505 1659 10.23% 49.32% 2665 2693 2358 1659 1505 1247 1111 1160 1034 Jun-25 Mar-26 Jun-26 Operating Profit Provisions & Others Net Profit 9 PERFORMANCE RATIOS NET INTEREST MARGIN % (DOMESTIC) NET INTEREST MARGIN % (GLOBAL) 3.48 3.32 3.37 3.42 3.21 3.25 3.35 3.35 3.04 3.17 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 RETURN ON ASSETS RETURN ON EQUITY 1.41 22.69 1.32 21.94 1.28 20.98 19.95 1.20 1.14 19.00 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 10 PERFORMANCE RATIOS COST OF DEPOSITS(%) COST OF FUNDS(%) 5.10 5.22 5.05 5.16 5.07 4.92 4.79 4.90 4.70 4.85 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 YIELD ON ADVANCES % (DOMESTIC) YIELD ON ADVANCES % (GLOBAL) 8.94 8.92 9.18 9.19 8.83 9.03 8.97 8.80 8.71 8.89 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 11 PERFORMANCE RATIOS YIELD ON INVESTMENT % YIELD ON FUNDS(%) 6.75 8.19 8.19 6.79 8.15 6.69 6.67 6.62 8.00 7.93 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 COST TO INCOME CREDIT COST 53.95 0.44 45.76 44.22 45.74 44.02 0.29 0.30 0.18 0.14 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 12 BUSINESS PERFORMANCE-GLOBAL (Rs. In Crores) Q-o-Q variation Y-o-Y variation Particulars Jun-25 Mar-26 Jun-26 Amount % Amount % CASA 144837 150936 154415 3479 2.30% 9578 6.61% Savings Bank 107718 124565 127262 2697 2.17% 19544 18.14% Retail Term Deposits 161371 183601 186882 3281 1.79% 25511 15.81% Term Deposits 185955 217256 221778 4522 2.08% 35823 19.26% Total Deposits 330792 368191 376193 8002 2.17% 45401 13.72% Advances 262421 310423 322132 11709 3.77% 59711 22.75% Business Mix 593213 678614 698325 19711 2.90% 105112 17.72% CASA%(Global) 43.78% 40.99% 41.05% 6 bps (273 bps) CD Ratio%(Global) 79.33% 84.31% 85.63% 132 bps 630 bps CASA%(Domestic) 44.16% 41.46% 41.45% (1 bps) (271 bps) CD Ratio%(Domestic) 75.75% 82.00% 83.32% 132 bps 757 bps 13 ADVANCES (Rs. In Crores) Q-o-Q variation Y-o-Y variation Parameters Jun-25 Mar-26 Jun-26 Amount % Amount % Retail 70803 91086 96637 5551 6.09% 25834 36.49% Agri 76548 103821 112403 8582 8.27% 35855 46.84% MSME 45246 50107 52554 2447 4.88% 7308 16.15% Total (RAM) 192597 245014 261594 16580 6.77% 68997 35.82% Corporate/others 51450 49390 44405 -4985 -10.09% -7045 -13.69% Domestic Advances 244048 294405 305999 11594 3.94% 61951 25.38% Global Advances 262421 310423 322132 11709 3.77% 59711 22.75% RAM to Adv (%) 73.39% 78.93% 81.21% 228 bps 782 bps JUNE 26 MSME Corporate/others 17% 14% Agri Retail 37% 32% 14 RETAIL ADVANCES (Rs. In Crores) % Share to Y-O-Y Domestic Retail Total Retail Advances 36.49% GROWTH% Period Domestic Advances Advances Advances 96637 91086 83838 Jun-25 244048 70803 29.01% 78765 70803 Sep-25 260416 78765 30.25% Dec-25 278605 83838 30.09% Mar-26 294405 91086 30.94% Jun-26 305999 96637 31.58% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Housing Loans Y-O-Y 13.82% Vehicle Loans Y-O-Y 31.50% GROWTH% GROWTH% 7323 35942 6735 6984 6199 34948 5569 33919 32620 31578 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 15 AGRICULTURE ADVANCES (Rs. In Crores) Domestic % Share to Domestic Period Agri Advances Advances Advances Jun-25 244048 76548 31.37% Sep-25 260416 83023 31.88% Dec-25 278605 92996 33.38% Mar-26 294405 103821 35.26% Jun-26 305999 112403 36.73% Agri Advances Y-O-Y 46.84% GROWTH% 112403 103821 92996 83023 76548 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 16 MSME ADVANCES (Rs. In Crores) % Share to Domestic Period Domestic Advances MSME Advances Advances Jun-25 244048 45246 18.54% Sep-25 260416 48494 18.62% Dec-25 278605 50635 18.17% Mar-26 294405 50107 17.02% Jun-26 305999 52554 17.17% MSME Advances Y-O-Y 16.15% CORE MSME Y-O-Y 25.38% GROWTH% GROWTH% 52554 44339 40450 40951 50635 38433 50107 35363 48494 45246 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 17 INVESTMENT (Rs. In Crores) Parameters Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Domestic Investments 110176 112477 112229 115730 118617 SLR 83109 85240 84734 88552 91550 Non SLR 27067 27236 27495 27178 27067 Held to Maturity 90730 90128 88364 93019 95456 Available for Sale 15415 18030 19313 18449 20037 Held for Trading 1369 1517 1573 1440 385 Fair value through Profit & Loss account – FVTPL 1457 1583 1760 1604 1521 Subsidiaries, Associates and Joint Ventures 1205 1219 1219 1219 1219 Investment by Overseas Branches 4212 4307 3967 4079 3990 Global Investments 114388 116784 116196 119810 122607 18 VALUATIONS Particulars Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 * Return on Equity (%) 19.00 19.95 20.98 21.94 22.69 * Basic & Diluted Earning per Share 0.58 0.64 0.71 0.78 0.86 * Price Earning Ratio 67.21 61.78 50.89 40.23 39.64 Book value per share (in Rs) 12.41 13.13 13.90 14.60 15.79 Price/Book value (in Rs) 3.14 3.01 2.60 2.15 2.16 Adjusted Book value (in Rs) 11.98 12.73 13.53 14.27 15.48 Price/Adjusted Book value (in Rs) 3.25 3.11 2.67 2.20 2.20 * Quarterly 19 NPA MANAGEMENT (Rs. In Crores) Details Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 i) Opening Gross NPAs 5348 5178 5078 4530 4410 a. Cash Recoveries 180 212 144 254 106 b. Upgradation 31 94 46 39 35 c. Write-Offs 238 108 601 242 174 d. Sale to ARCs 0 32 47 64 0 ii) Total Reductions (a+b+c+d+e) 449 446 838 600 316 iii) Fresh Slippages to NPA category 254 290 301 366 195 iv) Other Debits 26 55 -11 113 4 Closing Gross NPAs (i-ii+iii+iv) 5178 5078 4530 4410 4292 Gross NPA (%) 1.97% 1.83% 1.54% 1.42% 1.33% Net NPAs (Absolute) 816 776 708 638 588 Net NPA (%) 0.32% 0.28% 0.24% 0.21% 0.18% Provision Coverage Ratio 97.47% 97.48% 97.49% 97.50% 97.67% f . Recovery from Tech Write off accounts 609 445 635 564 497 f. i) Of which Reduction 575 419 608 544 489 g. Recovery from overseas set off accounts 20 16 0 0 0 h. Recovery from uncharged interest 12 76 19 39 16 Total Recovery(a+b+d+f+g+h) 851 874 890 960 654 20 NPA MANAGEMENT GNPA(%) NNPA(%) 1.97% 1.83% 0.32% 1.54% 0.28% 1.42% 1.33% 0.24% 0.21% 0.18% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 PCR(%) SLIPPAGE RATIO 97.47% 97.48% 97.49% 97.50% 97.67% 0.13% 84.24% 84.71% 84.37% 85.54% 86.29% 0.10% 0.11% 0.11% 0.06% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 PCR (Including techwrite off) PCR (excluding techwrite off) 21 SECTOR-WISE CREDIT DEPLOYMENT & NPA (Rs. In Crores) Jun-25 Mar-26 Jun-26 Segmental NPAs ADV NPA Ratio % ADV NPA Ratio % ADV NPA Ratio % Retail 70803 822 1.16% 91086 529 0.58% 96637 511 0.53% Agri 76548 1603 2.09% 103821 1147 1.10% 112403 1095 0.97% MSME 45246 1185 2.62% 50107 1209 2.41% 52554 1176 2.24% RAM 192598 3611 1.87% 245015 2885 1.18% 261594 2781 1.06% Corporate 51450 221 0.43% 49390 117 0.24% 44405 111 0.25% Domestic 244048 3831 1.57% 294405 3002 1.02% 305999 2893 0.95% Advance Overseas 18373 1347 7.33% 16018 1408 8.79% 16133 1399 8.68% Total 262421 5178 1.97% 310423 4410 1.42% 322132 4292 1.33% 22 CAPITAL ADEQUACY (Rs. In Crores) Particulars Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Market Risk RWA 2898 2781 2773 2185 1907 Operational Risk RWA 22587 22587 22587 22587 26365 Credit Risk RWA 153666 158915 177382 173159 185441 Total RWA (A) 179152 184284 202743 197932 213713 CET 1 28278 28625 28368 33524 36081 CET 1% 15.78% 15.53% 13.99% 16.94% 16.88% Tier 1 28278 28625 28368 33524 36081 Tier 1% 15.78% 15.53% 13.99% 16.94% 16.88% Tier 2 4476 4441 4672 5619 5283 Tier 2% 2.50% 2.41% 2.30% 2.84% 2.47% Total Capital (B) 32754 33066 33040 39144 41364 CRAR (B/A) 18.28% 17.94% 16.30% 19.78% 19.36% Total RWA to Advance Ratio 68.27% 66.30% 68.73% 63.76% 66.34% Credit RWA to Advance Ratio 58.56% 57.17% 60.13% 55.78% 57.57% 23 MOVEMENT OF CRAR & RWAs CRAR 19.78% 18.28% 17.94% 19.36% 16.30% JUN-25 SEP-25 DEC-25 MAR-26 JUN-26 CREDIT RWA TO ADVANCE RATIO TOTAL RWA TO ADVANCE RATIO 60.13% 58.56% 57.17% 57.57% 68.73% 68.27% 66.30% 55.78% 63.76% 66.34% JUN-25 SEP-25 DEC-25 MAR-26 JUN-26 JUN-25 SEP-25 DEC-25 MAR-26 JUN-26 24 FINANCIAL INCLUSION PMJDY Account (Number in Lakhs) PMJDY Account Balance(in Crs) 96.25 4200 94.57 93.37 91.55 3991 89.63 3867 3879 3887 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 PMJDY Account (Number in Lakhs) PMJDY Account Balance PMJDY Zero balance Accounts Jansuraksha Scheme (In Lakhs) No in Lakhs 99.16 102.38 85.52 2.05 2.07 2.07 2.07 2.08 47.20 49.70 39.17 17.4 19.90 20.78 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Mar-26 Jun-26 PMJDY Zero balance Accounts (no in lakhs) PMJJBY PMSBY APY 25 CUSTOMER TOUCH POINT Presence Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Domestic 3345 3373 3438 3494 3522 Branches Overseas 4 4 4 4 4 Branches ATM/CR 3461 3567 3622 3651 3691 BC 10872 11467 11959 12187 13401 JUNE-26 DOMESTIC BRANCHES Rural, 959, 27% Metro, 740, 21% Semi Urban, 1103, Urban, 720, 21% 31% 26 SHARE HOLDING PATTERN AS ON 30.06.2026 Category of Shareholder % share Government of India 92.44% Government FI/Banks 0.33% of India, 92.44% Foreign Portfolio Investor 0.47% (Corporate) Mutual Funds 0.24% Insurance Companies 3.72% Bodies Corporate 0.07% Individual 2.40% ESOP/ESOS/ESPS 0.19% NRI 0.06% Institution, HUF 0.06% 4.83% Individual, LLP 0.02% 2.73% 27 ASSETS & LIABILITIES (Rs. In Lakhs) Balance Sheet as at 30.06.2026 LIABILITIES Standalone Consolidated Particulars 30.06.2026 30.06.2025 30.06.2026 30.06.2025 Capital 1925659 1925659 1925659 1925659 Reserves and Surplus 2015660 1452128 1968898 1388010 Deposits 37619275 33079216 37619275 33079216 Borrowings 4723990 4040849 4723990 4040849 Other Liabilities & Provisions 1811066 913537 1811066 913551 Total 48095649 41411388 48048888 41347284 ASSETS Cash & Balance with RBI 1201504 1831232 1201504 1831232 Balance with Banks and Money at Call 772067 487042 772067 509064 and Short Notice Investments 12260748 11438772 12213986 11352595 Advances 31840121 25803178 31840121 25803178 Fixed Assets 501471 491503 501471 491503 Other Assets 1519739 1359661 1519739 1359713 Total 48095649 41411388 48048888 41347284 28 CASA & DEPOSITS GROWTH IN LAST 5 YEARS (Rs. In Crores) CASA RETAIL TERM DEPOSITS (Rs. in Cr) (Rs. in Cr) 183601 150936 136161 125508 155846 113877 114113 141219 137234 130303 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 TERM DEPOSITS TOTAL DEPOSITS (Rs. in Cr) (Rs. in Cr) 368191 217256 311938 175777 285905 160397 262160 260883 148283 146770 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 29 ADVANCES GROWTH IN LAST 5 YEARS (Rs. In Crores) RETAIL ADVANCES AGRI ADVANCES 91086 103821 62764 74545 48514 55636 42400 43988 36961 38577 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MSME ADVANCES TOTAL ADVANCES 310423 50107 44310 41552 250019 34856 219018 29494 189009 155801 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 30 RETAIL SEGMENT LOANS GROWTH IN LAST 5 YEARS (Rs. In Crores) Home Loans Vehicle Loans 34948 6984 31168 27621 5311 24116 4491 20483 3751 3492 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 Personal Loans Total Retail Portfolio 91086 3353 2714 62764 2083 1537 48514 42400 1095 36961 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 31 DECREASING NPA LEVELS & INCREASE IN PCR OVER 5 YEARS (Rs. In Crores) GROSS NPA (Rs. in Cr) GROSS NPA % NET NPA (Rs. in Cr) 3825 15299 14072 3266 9.82% 7.44% 6794 1217 5348 3.10% 912 4410 2.14% 1.42% 638 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 NET NPA % PROVISION COVERAGE PCR(EXCLUDING TECH WRITE RATIO(%) OFF) 97.50% 2.65% 97.30% 96.85% 85.54% 82.95% 82.09% 1.83% 92.63% 0.57% 0.37% 91.66% 0.21% MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-22 MAR-23 MAR-24 MAR-25 MAR-26 MAR-24 MAR-25 MAR-26 32 DIGITAL OUTREACH ATM/CDM INTERNET BANKING REGISTERED USERS (NO OF OUTLETS) (IN LAKHS) 40.57 3691 39.57 3651 3622 38.50 3567 37.11 3461 35.77 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 MOBILE BANKING REGISTERED USERS UPI REGISTERED USERS (IN LAKHS) (IN LAKHS) 166.62 137.65 157.62 129.58 148.82 121.65 139.98 115.77 128.53 105.71 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 33 TECHNOLOGY & DIGITAL INITIATIVES Self-Service & Mobile-First Digital Solutions Robotic Automation & AI/ML Leveraging Digital Public Infrastructure 34 CUSTOMER CENTRIC INNOVATIONS IOB Digital Fixed Deposit VCIP IOB BUDDY (FD) – NTB Customers • Instant digital account opening through • Intelligent Customer assistant hassle-free process by dedicated bank • 100% Digital FD Opening – No Chatbot Officials Branch Visit Required • Secure authentication using OTP & • Faster customer support through • Instant Account Creation with through live face authentication an AI-driven, always-on assistance Seamless Onboarding reducing frauds and identity risks platform. • Secure Aadhaar-based & Video • Facility to open accounts even on Bank • Real time , round the clock support KYC Process Holidays (except National Holidays) • Smooth escalation to Human • Enriched with Credit card onboarding • Paperless & Eco Friendly agents journeys Banking 35 CUSTOMER CENTRIC INNOVATIONS QR Based Feedback IOB Digital Hub D E H Revamped (digital.iob.bank.in) Internet Banking • One stop digital platform for all • Instant Customer Feedback • Revamped Internet Banking banking needs through QR scan at • Bill Desk, PayU, BBPS, IOB Pay • Instant access to anytime, branches/service points. Integration enabled anywhere banking services Paperless & Contactless • Supports TNEB and Port Trust • End to end digital journey from feedback collection mechanism. direct payments account opening to loan • Supports Continuous Service services Improvement and customer- • Secure & Paperless banking centric banking initiatives. experience 36 CUSTOMER CENTRIC INNOVATIONS IOB Online Re-KYC IOB Akshara PIN (Smart Video Based life certificate (Digital KYC Update) & Secure PIN Generation) • Update KYC online without • One stop digital platform for all • Submit Life Certificate from visiting branch banking needs home via Video Life Certificate • Quick & hassle-free Aadhaar- • Instant access to anytime, • Secure Aadhar based digital based validation anywhere banking services verification • Secure digital authentication • End to end digital journey from • No Branch visit required – save (OTP-based) account opening to loan time and effort • Multiple channels – Web, services SMS & Email • Secure & Paperless banking • Ensures uninterrupted experience banking services 37 CUSTOMER CENTRIC INNOVATIONS RBIH – ULI WhatsApp Banking Mobile Banking • Secure real time channel for • Unified Lending Interface • 40 lac+ retail users accessing key banking services • Amongst top 2 PSBs in number • ~15000 enrollments daily via Mobile of loan disbursement via ULI • ~3.5 daily logins • Fast, secure , paper less way to • TN, MP,AP, UP & Odisha land • Multilingual Interface for 13 create Fixed deposits and records utilized in KCC STP Recurring deposits languages • Balance inquiry, re-KYC services, journey • Rupay Credit card integration Cheque book requests, Feedback • 2.62 lakh+ accounts processed • UPI integrated services and download of Form • ₹5700+ crores disbursed • ReKYC Submission 16, 16A, 27D • Omnichannel platform 38 EMPLOYEE CENTRIC INNOVATIONS Geo location based IOB Lawyer’s Diary IOB Gold Nest lead generation • End-to-end digital Jewel Loan • Location-based business lead • Mobile app for Bank’s Panel processing for faster identification. Lawyers disbursement and reduced TAT. • Near real-time business • Real time updates on Cases • Standardized loan processing discovery. • Review of Panel Lawyers across branches for operational • Early prospect engagement. performance efficiency. • Verified business leads. • Digital jewel image capture for • Targeted marketing for CA, secure and streamlined MSME & Digital Banking. documentation. 39 EMPLOYEE CENTRIC INNOVATIONS CRM Tab Banking KYC Smart Scanner Mobile App • 20+ Service requests like • Any Time Any Where service • QR Based interface to scan KYC delivery Issue/Activate/Block Debit Card, Documents • 30+ services with Savings Credit/Debit freeze account, • Real-time integration with COB, ,Current Account and 3-in-1 UDYAM number update etc., account opening Re-KYC, and CKYC • Lead management with Social • ReKYC via Self service mode media leads integration • Multiple Nomination and Jansuraksha enrolments • Call center integratio 40 EMPLOYEE CENTRIC INNOVATIONS Loan Origination System Robotic Process Automation • 90+ schemes across RAM • Enhance operational efficiency, segment accuracy, and minimize manual • Efficient credit underwriting & intervention. quick credit delivery across • Automated complaint Retail, Agri, MSME Customers. management and batch • Near 100% adoption on new processing channel 41 ESG INITIATIVES ENVIRONMENTAL (E) Financing IOB Renewable Solar Energy Projects Loans Digital IOB Green Banking Deposit IOB Harit IOB ECO Subhagruha Savings Account Focuses on reducing environmental impact and promoting sustainability. 42 Q4 FY 2026 Performance Analysis ESG INITIATIVES SOCIAL (S) The Sakthi Financial IOB Chidambaram Literacy Centers Chettiar Memorial (Sneha) Trust Friendly Various IOB Work Credit Scheme Environment for Women Focuses on customers, employees, and society. 43 Q4 FY 2026 Performance Analysis ESG INITIATIVES GOVERNANCE (G) Effective Customer Right Monitoring Policy Effective Complying Customer with all Complaints Guidelines & Resolutions Regulations Focuses on ethical management, transparency, and compliance. 44 Q4 FY 2026 Performance Analysis ACCOLADES & AWARDS Skoch Award for our innovative project "Compliance Apexion" Proud moment for our bank as we've been honored with the prestigious Skoch Award for our innovative project "Compliance Apexion"! Our MD and CEO Shri Ajay Kumar Srivastava unveiled the same in the presence of EDs Shri Joydeep Dutta Roy and Shri Dhanaraj T, along with CGM Shri Nataraj and other executives. This accolade fuels our ambition to reach new heights in compliance. Here's to setting new standards and achieving excellence! 45 Q4 FY 2026 Performance Analysis DISCLAIMER Except for the historical information contained herein, statements in this release which contain words or phrases such as "will", "aim" "will likely result", "would", "believe", "may", "expect",', "will continue ", "anticipate", "estimate" "intend", "plan", "contemplate" "seek to" "future", "objective", "goal", "strategy", "philosophy", "project", "should", "will pursue" and similar expressions or variations of such expressions may constitute "forward-looking statements". These forward-looking statements involve a number of risks, uncertainties and other factors that could cause actual results to differ materially from those suggested by the forward-looking statements. These risks and uncertainties include, but are not limited to our ability to successfully implement our strategy, future levels of non-performing loans, our growth and expansion, the adequacy of our allowance for credit losses, our provisioning policies, technological changes, investment income, cash flow projections, our exposure to market risks as well as other risks. Indian Overseas Bank undertakes no obligation to update forward-looking statements to reflect events or circumstances after the date thereof. 48 Q4 FY 2026 Performance Analysis