# Indian Overseas Bank

> Public sector banks. Figures from the lender's own filings, each checked against the page it came from.

Page: https://creditbrief.in/lenders/iob

## Loan book

- ₹3.10 lakh crore on 31 March 2026, the end of FY2025-26 (Global gross advances).
- ₹3.46 lakh crore on 30 Sep 2026, the latest half-year balance.
- Source: Indian Overseas Bank Performance Analysis Q4 FY26, PDF page 17: https://nsearchives.nseindia.com/corporate/IOB_30042026142848_FINAL_IOB_PERFORMANCE_ANALYSIS_Q4_FY_26.pdf

## Findings

- Grew 19% a year from March 2022 to March 2026, faster than 21 of the 29 other banks with like-for-like figures for those years.
- Growth picked up to 24% in FY2025-26, from 14% the year before.
- Moved up from 16th to 14th biggest of these 33 banks between March 2022 and March 2026.

## What it lends against (30 Sep 2026)

- Agri: ₹1.22 lakh crore (35.4%)
- Retail: ₹1.05 lakh crore (30.5%)
- Corporate/others: ₹62,795 crore (18.2%)
- MSME: ₹55,186 crore (16%)

Source: Indian Overseas Bank Investor Presentation Q2 FY27, PDF page 14: https://nsearchives.nseindia.com/corporate/IOB_26102026161138_investorpresentation.pdf

## Figures by period

| Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 |
|---|---|---|---|---|---|---|
| Loan book (₹ crore) | 1,55,801 | 1,89,009 | 2,19,018 | 2,50,019 | 3,10,423 | 3,45,650 |
| Retail, agriculture and MSME loans (₹ crore) |  | 1,21,244 | 1,45,702 | 1,81,619 | 2,45,015 | 2,82,855 |
| Corporate and wholesale loans (₹ crore) | 38,170 | 52,425 | 54,995 | 51,882 | 49,390 | 40,373 |
| Deposits (₹ crore) | 2,62,159 | 2,60,883 | 2,85,905 | 3,11,939 | 3,68,191 | 4,07,428 |
| CASA ratio (%) | 43.44 | 43.74 | 43.90 | 43.65 | 40.99 | 40.71 |
| Branches (Number) | 3,214 | 3,220 | 3,236 | 3,335 | 3,494 | 3,542 |
| Mobile app users (Million) | 5.2 | 6.4 | 8.2 | 10.2 | 13 | 14.6 |

### Sources for each figure

- Loan book, FY2021-22 (31 Mar 2022): "Global Advances 139596 148316 155801" (Indian Overseas Bank Analyst Presentation March 2022, PDF page 17) https://nsearchives.nseindia.com/corporate/IOB_18052022201422_AnalystPresentationMar2022.pdf
- Loan book, FY2022-23 (31 Mar 2023): "Global Advances 189009 216163 219018" (Indian Overseas Bank Investor Presentation Q4 FY24, PDF page 16) https://nsearchives.nseindia.com/corporate/IOB_10052024132808_investorpresentation.pdf
- Loan book, FY2023-24 (31 Mar 2024): "Global Advances 189009 216163 219018" (Indian Overseas Bank Investor Presentation Q4 FY24, PDF page 16) https://nsearchives.nseindia.com/corporate/IOB_10052024132808_investorpresentation.pdf
- Loan book, FY2024-25 (31 Mar 2025): "Global Advances 250019 294975 310423" (Indian Overseas Bank Performance Analysis Q4 FY26, PDF page 17) https://nsearchives.nseindia.com/corporate/IOB_30042026142848_FINAL_IOB_PERFORMANCE_ANALYSIS_Q4_FY_26.pdf
- Loan book, FY2025-26 (31 Mar 2026): "Global Advances 250019 294975 310423" (Indian Overseas Bank Performance Analysis Q4 FY26, PDF page 17) https://nsearchives.nseindia.com/corporate/IOB_30042026142848_FINAL_IOB_PERFORMANCE_ANALYSIS_Q4_FY_26.pdf
- Loan book, 30 Sep 2026: "Global Advances 277968 322132 345650" (Indian Overseas Bank Investor Presentation Q2 FY27, PDF page 14) https://nsearchives.nseindia.com/corporate/IOB_26102026161138_investorpresentation.pdf
- Retail, agriculture and MSME loans, FY2022-23 (31 Mar 2023): "RAM 121244 7969 6.57%" (IOB Performance Analysis Q4 FY24 (analyst presentation), PDF page 24) https://www.iob.bank.in/documents/d/guest/IOB-Performance-Analysis-Q4-FY-2023-24
- Retail, agriculture and MSME loans, FY2023-24 (31 Mar 2024): "RAM 121244 7969 6.57% 137585 5320 3.87% 145702" (IOB Performance Analysis Q4 FY24 (analyst presentation), PDF page 24) https://www.iob.bank.in/documents/d/guest/IOB-Performance-Analysis-Q4-FY-2023-24
- Retail, agriculture and MSME loans, FY2024-25 (31 Mar 2025): "RAM 145702 5149 3.53% 170874 4560 2.67% 181619" (IOB Investor Presentation, March 2025 (Performance Analysis Q4 FY 24-25), PDF page 24) https://www.iob.bank.in/documents/d/guest/IOB-Investor-Presentation-March-2025
- Retail, agriculture and MSME loans, FY2025-26 (31 Mar 2026): "RAM 181619 3741 2.06% 227468 3019 1.33% 245015" (IOB Analyst Presentation, 31 March 2026, PDF page 24) https://www.iob.bank.in/documents/d/guest/IOB_Analyst_Presentation_31032026
- Retail, agriculture and MSME loans, 30 Sep 2026: "RAM 210283 3526 1.68% 261594 2781 1.06% 282855" (IOB Investor Presentation, 30 September 2026, PDF page 22) https://www.iob.bank.in/documents/d/guest/Investor-Presentation-30092026
- Corporate and wholesale loans, FY2021-22 (31 Mar 2022): "Corporate/others 34116 37259 38170" (IOB Performance Analysis Q4 FY 2021-22 (analyst presentation), PDF page 17) https://www.iob.bank.in/documents/d/guest/iobAnalyst-Presentation-Mar-2022
- Corporate and wholesale loans, FY2022-23 (31 Mar 2023): "Corporate 52425 4543 8.67%" (IOB Performance Analysis Q4 FY24 (analyst presentation), PDF page 24) https://www.iob.bank.in/documents/d/guest/IOB-Performance-Analysis-Q4-FY-2023-24
- Corporate and wholesale loans, FY2023-24 (31 Mar 2024): "Corporate 52425 4543 8.67% 60469 1521 2.52% 54995" (IOB Performance Analysis Q4 FY24 (analyst presentation), PDF page 24) https://www.iob.bank.in/documents/d/guest/IOB-Performance-Analysis-Q4-FY-2023-24
- Corporate and wholesale loans, FY2024-25 (31 Mar 2025): "Corporate 54995 289 0.53% 48599 267 0.55% 51882" (IOB Investor Presentation, March 2025 (Performance Analysis Q4 FY 24-25), PDF page 24) https://www.iob.bank.in/documents/d/guest/IOB-Investor-Presentation-March-2025
- Corporate and wholesale loans, FY2025-26 (31 Mar 2026): "Corporate 51882 224 0.43% 51137 118 0.23% 49390" (IOB Analyst Presentation, 31 March 2026, PDF page 24) https://www.iob.bank.in/documents/d/guest/IOB_Analyst_Presentation_31032026
- Corporate and wholesale loans, 30 Sep 2026: "Corporate 50133 167 0.33% 44405 111 0.25% 40373" (IOB Investor Presentation, 30 September 2026, PDF page 22) https://www.iob.bank.in/documents/d/guest/Investor-Presentation-30092026
- Deposits, FY2021-22 (31 Mar 2022): "Total Deposits 240288 247119 262159" (IOB Performance Analysis Q4 FY 2021-22 (analyst presentation), PDF page 15) https://www.iob.bank.in/documents/d/guest/iobAnalyst-Presentation-Mar-2022
- Deposits, FY2022-23 (31 Mar 2023): "Total Deposits 260883 278046 285905" (IOB Performance Analysis Q4 FY24 (analyst presentation), PDF page 13) https://www.iob.bank.in/documents/d/guest/IOB-Performance-Analysis-Q4-FY-2023-24
- Deposits, FY2023-24 (31 Mar 2024): "Total Deposits 260883 278046 285905" (IOB Performance Analysis Q4 FY24 (analyst presentation), PDF page 13) https://www.iob.bank.in/documents/d/guest/IOB-Performance-Analysis-Q4-FY-2023-24
- Deposits, FY2024-25 (31 Mar 2025): "Total Deposits 285905 311939 9.11%" (IOB Investor Presentation, March 2025 (Performance Analysis Q4 FY 24-25), PDF page 4) https://www.iob.bank.in/documents/d/guest/IOB-Investor-Presentation-March-2025
- Deposits, FY2025-26 (31 Mar 2026): "Total Deposits 311938 349302 368191" (IOB Analyst Presentation, 31 March 2026, PDF page 15) https://www.iob.bank.in/documents/d/guest/IOB_Analyst_Presentation_31032026
- Deposits, 30 Sep 2026: "Total Deposits 339066 376193 407428" (IOB Investor Presentation, 30 September 2026, PDF page 13) https://www.iob.bank.in/documents/d/guest/Investor-Presentation-30092026
- CASA ratio, FY2021-22 (31 Mar 2022): "CASA% 42.52% 42.53% 43.44%" (IOB Performance Analysis Q4 FY 2021-22 (analyst presentation), PDF page 15) https://www.iob.bank.in/documents/d/guest/iobAnalyst-Presentation-Mar-2022
- CASA ratio, FY2022-23 (31 Mar 2023): "CASA% 43.74% 43.49% 43.90%" (IOB Performance Analysis Q4 FY24 (analyst presentation), PDF page 13) https://www.iob.bank.in/documents/d/guest/IOB-Performance-Analysis-Q4-FY-2023-24
- CASA ratio, FY2023-24 (31 Mar 2024): "CASA% 43.74% 43.49% 43.90%" (IOB Performance Analysis Q4 FY24 (analyst presentation), PDF page 13) https://www.iob.bank.in/documents/d/guest/IOB-Performance-Analysis-Q4-FY-2023-24
- CASA ratio, FY2024-25 (31 Mar 2025): "CASA%(Global) 43.90% 43.37% 43.65%" (IOB Investor Presentation, March 2025 (Performance Analysis Q4 FY 24-25), PDF page 14) https://www.iob.bank.in/documents/d/guest/IOB-Investor-Presentation-March-2025
- CASA ratio, FY2025-26 (31 Mar 2026): "CASA%(Global) 43.65% 40.85% 40.99%" (IOB Analyst Presentation, 31 March 2026, PDF page 15) https://www.iob.bank.in/documents/d/guest/IOB_Analyst_Presentation_31032026
- CASA ratio, 30 Sep 2026: "CASA%(Global) 40.52% 41.05% 40.71%" (IOB Investor Presentation, 30 September 2026, PDF page 13) https://www.iob.bank.in/documents/d/guest/Investor-Presentation-30092026
- Branches, FY2021-22 (31 Mar 2022): "Branches 3217 3214 3214" (IOB Performance Analysis Q4 FY 2021-22 (analyst presentation), PDF page 38) https://www.iob.bank.in/documents/d/guest/iobAnalyst-Presentation-Mar-2022
- Branches, FY2022-23 (31 Mar 2023): "Branches 3220 3222 3223 3226 3236" (IOB Performance Analysis Q4 FY24 (analyst presentation), PDF page 33) https://www.iob.bank.in/documents/d/guest/IOB-Performance-Analysis-Q4-FY-2023-24
- Branches, FY2023-24 (31 Mar 2024): "Branches 3220 3222 3223 3226 3236" (IOB Performance Analysis Q4 FY24 (analyst presentation), PDF page 33) https://www.iob.bank.in/documents/d/guest/IOB-Performance-Analysis-Q4-FY-2023-24
- Branches, FY2024-25 (31 Mar 2025): "Branches 3236 3250 3269* 3322* 3335*" (IOB Investor Presentation, March 2025 (Performance Analysis Q4 FY 24-25), PDF page 41) https://www.iob.bank.in/documents/d/guest/IOB-Investor-Presentation-March-2025
- Branches, FY2025-26 (31 Mar 2026): "Domestic 3335 3345 3373 3438 3494 Branches Overseas Branches 4 4 4 4 4" (IOB Analyst Presentation, 31 March 2026, PDF page 28) https://www.iob.bank.in/documents/d/guest/IOB_Analyst_Presentation_31032026
- Branches, 30 Sep 2026: "Domestic 3373 3438 3494 3522 3542 Branches" (IOB Investor Presentation, 30 September 2026, PDF page 26) https://www.iob.bank.in/documents/d/guest/Investor-Presentation-30092026
- Mobile app users, FY2021-22 (31 Mar 2022): "Mobile Banking Registered users (In Lakhs) 51.64" (IOB Performance Analysis Q4 FY 2021-22 (analyst presentation), PDF page 37) https://www.iob.bank.in/documents/d/guest/iobAnalyst-Presentation-Mar-2022
- Mobile app users, FY2022-23 (31 Mar 2023): "MOBILE BANKING REGISTERED USERS UPI REGISTERED USERS (IN LAKHS) (IN LAKHS) 81.98 85.26 90.17 74.53 73.13 77.64 79.94 71.29 75.19 64.13" (IOB Performance Analysis Q4 FY24 (analyst presentation), PDF page 32) https://www.iob.bank.in/documents/d/guest/IOB-Performance-Analysis-Q4-FY-2023-24
- Mobile app users, FY2023-24 (31 Mar 2024): "MOBILE BANKING REGISTERED USERS UPI REGISTERED USERS (IN LAKHS) (IN LAKHS) 81.98 85.26 90.17" (IOB Performance Analysis Q4 FY24 (analyst presentation), PDF page 32) https://www.iob.bank.in/documents/d/guest/IOB-Performance-Analysis-Q4-FY-2023-24
- Mobile app users, FY2024-25 (31 Mar 2025): "MOBILE BANKING REGISTERED USERS UPI REGISTERED USERS (IN LAKHS) (IN LAKHS) 102.18 120.69" (IOB Investor Presentation, March 2025 (Performance Analysis Q4 FY 24-25), PDF page 40) https://www.iob.bank.in/documents/d/guest/IOB-Investor-Presentation-March-2025
- Mobile app users, FY2025-26 (31 Mar 2026): "129.58 148.82" (IOB Analyst Presentation, 31 March 2026, PDF page 35) https://www.iob.bank.in/documents/d/guest/IOB_Analyst_Presentation_31032026
- Mobile app users, 30 Sep 2026: "146.18 139.98" (IOB Investor Presentation, 30 September 2026, PDF page 33) https://www.iob.bank.in/documents/d/guest/Investor-Presentation-30092026

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