ALFA Finder| Margins | Domestic NIM at 3.48%; guidance maintained at 3.3-3.4% range. |
|---|---|
| Order book | Corporate loan book expected to grow 12-13% by year-end. |
| Demand visibility | Strong credit demand; pipeline of INR 14,000 crores in corporate sanctions. |
| Management confidence | High; citing 11 quarters of consistent performance and positive growth trends. |
Growth
Operating profit rose 14.21% YoY to INR 2,693 crores. Total advances grew 22.75% YoY to INR 3,22,132 crores.
Outlook
Management guides for 13-14% credit growth and maintaining NIM between 3.3% and 3.4%.
Risks
Potential impact from West Asia crisis and transitions to Expected Credit Loss (ECL) provisioning framework.
Last quarter's promises, checked
Delivered
- Guided NIM 3.30-3.35% → delivered 3.48% (= BEAT)
- Targeted 13-15% credit growth → delivered 22.75% (= BEAT)
- Guided 3600cr recovery → delivered record profit growth (= BEAT)
Partly delivered
- Guided 13-15% deposit growth → delivered 18% (= BEAT)
Earnings Call Transcript filed with NSE, NSE: IOB. Summary written with AI assistance from the document.
Indian Overseas Bank: key numbers
- Share price
- ₹31.74
- Market cap
- ₹61,120 Cr
- Revenue (annual)
- ₹31,896 Cr
- Net profit (annual)
- ₹5,418 Cr
- P/E (TTM)
- 9.2×Sector 20.8×
- Promoter holding
- 92.44%+0.00% QoQ
- FII holding
- 0.48%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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- Key figure
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