← Throughline · holding view Deep analysis ↗ Q3 FY26
IOB Indian Overseas Bank · Other Q3 FY26 · concall

Concall — clean across the call.

1 clean
▸ Other Q&A (1)
Ashok Ajmera · Ajcon Global

CD ratio 84.45% near peak — how to sustain growth + CRAR?

credit growth of course, we have grown year -on-year it is 20% December - over-December if you see and over March, of course, your prediction is right. So, maybe here we will be ending the year with a growth of around 24-25%. CD ratio 84% whatever you are watching , that includes the overseas centers. If you exclude that overseas centers, then CD ratio is around 81% domestic, because overseas centers there is no concept of deposit.

▸ Prepared remarks (1 blocks)
the Bank has reached a new milestone by reaching all- time high quarterly net profit of Rs.<strong>1,365 crore</strong>s for this quarter with a 56.18% year-on-year increase. the Bank has achieved a business of Rs.6,44,276 crores, recording year-on-year growth of 18.71%. CASA also has increased to Rs.1,42,676 crores and it is recorded at 40.85% for this 31st December 2025. Gross advance year -on-year basis has increased to 24.13%, reaching Rs.2,94,974 crore s against Rs.2,37,632 crores last year 31st December. Provision Coverage Ratio (PCR) increased to 97.49% from 97.07% last year. NIM again we recorded a figure of 3.32%. Continuously, it is growing. Last time it was 3.21%. The CD ratio of the Bank has increased to 84.45%. with regard to NPA management, gross NPA reduced from Rs.6,071 crores to Rs.4,530 crores year-on-year basis and net NPA reduced to Rs.708 crore s from Rs.976 crores last year. GNPA ratio has come down to 1.54% from 2.55% last year. Similarly, Net NPA ratio has been reduced by 18 bps to 0.42% on December 2024 to 0.24% in December 2025. Slippage ratio is contained at 0.11% during this quarter. Currently, ROE is 20.98%, whereas last time it was 17.86%.