IOB Results Analysis-Q1FY26

Interest Earned for Q1FY26 is Rs. 7,386 Crs., 13% growth YoY, Net Interest Income is Rs. 2,746 Crs., 12.5% growth YoY, Net Interest Margin is 3.04% which is down by 2 basis Points only, Operating Income is Rs. 4,227 Crs., 21.7% growth YoY, Operating Profit Rs. 2,358 Crs., 40.7% growth YoY, PAT Rs. 1,111 Crs., 75.57% growth YoY. For Q1FY26 Gross NPA 1.97% vs 2.89% in Q1FY25, Net NPA .32% vs .51% in Q1FY25. Good Improvement in asset quality. CASA ratio for Q1FY26 is 43.78% which is improved by 161 bps, Total Deposits is Rs. 3,30,792 Crs., 10.75% growth YoY, Total Advances is Rs. 2,62,421 Crs., 14.05% growth YoY. Return on Assets for Q1FY26 is 1.14% which is improved by 44 bps, Return on Equity for Q1FY26 is 19% which is improved by 490 bps. On QoQ basis Interest Earned is down by 3.25%, Net Interest Income is down by 12.06%, Operating Income is down by 10.14%, Operating Profit is also down by 9.93%, However PAT is grown by 5.71%.