Guidance ledger · Q4 FY26

Indian Overseas Bank IOB

4 revisions on record · 1 lowered · 3 raised — the strikethrough is what management used to say

directional guidance only · held across quarters

Holding view → · latest concall · The pulse

↑ raised NIM Q1 FY26 → Q4 FY26

~~3.04% (Q1FY26 — industry-wide pressure)~~ → 3.33% domestic / 3.21% global (Q4FY26)

“Net interest margin stood at 3.21% as of 31st March 2026.”

↑ raised ROE Q1 FY26 → Q4 FY26

~~~17% (Q1FY26 base)~~ → 20.42% (Q4FY26, +414 bps)

“Return on equity increased by 414 bps and it stood at 20.42% as of 31st March 2026”

↑ raised FY26 Credit Growth Target Q3 FY26 → Q4 FY26

~~Not explicitly disclosed~~ → 24-25% (Q3FY26 commitment, Q4FY26 actual 24.16%)

“Advances grew by 24.16%”

↓ lowered GNPA Q1 FY26 → Q4 FY26

~~1.97% (Q1FY26)~~ → 1.42% (Q4FY26)

“GNPA came down by 72 bps and it stood at 1.42% as of 31st March 2026”

Method. Revisions come from management's own stated numbers, compared quarter over quarter across the covered concalls; each carries the verbatim quote. “No revisions” can also mean guidance too vague to pin down — see the posture chip above. Not investment advice.