IOB

- Indian Overseas Bank (IOB) revised Marginal Cost of Funds based Lending Rate (MCLR) effective August 15, 2026. - MCLR for tenors from three months to three years increased by 5 basis points. - Overnight and one-month MCLR remain unchanged.

- CARE Ratings upgraded Indian Overseas Bank's Basel III Tier II Bonds from 'CARE AA' to 'CARE AA+/Stable' with a 'Stable' outlook. - The rating for Certificate of Deposits was reaffirmed at 'CARE A1+'. - The upgrade reflects improved financial risk profile, asset quality, and profitability.

- Management expects NIM to be maintained around 3.3% to 3.4% and ROA between 1.4% and 1.5% in the foreseeable future. The domestic NIM for Q1 FY27 was 3.48%. - Credit growth is guided for a minimum of 13-14%, with expectations to continue historical growth of around 20-22% seen in the past three years. - Full-year credit cost is projected to be around 0.35% to 0.40%, with the Q1 credit cost at 0.14%. - The bank plans to raise INR 5,000 crores in equity and INR 1,000 crores in Tier 2 bonds, likely in Q3 and Q4 in multiple tranches. - Accumulated losses have been made nil by internal accrual of net profit and netting off by share premium. - The bank aims to build a book of around $500 million through its GIFT City branch by the end of the financial year and double FCNR deposits to $600-650 million by September.

- Audio recording of Analyst Meet/Earnings call available - Concall Date: July 20, 2026 - Concall Time: 17:30 IST - Purpose: Discussed financial performance for the Quarter ended June 30, 2026 - Recording Link: https://www.iob.bank.in/documents/d/guest/10045036

- The bank submitted a NIL Security Cover Certificate as on June 30, 2026, as per SEBI (LODR) Regulations, 2015. - All outstanding listed non-convertible debt securities issued by the Bank are of unsecured nature. - The independent auditor certified that the security cover data for the quarter ended June 30, 2026, was accurately extracted from standalone unaudited financial statements.

- Net Interest Income (NII) ₹3,688 Cr vs ₹2,746 Cr (▲34.30% YoY) - Operating Profit ₹2,693 Cr vs ₹2,358 Cr (▲14.21% YoY) - PAT ₹1,659 Cr vs ₹1,111 Cr (▲49.32% YoY) - Domestic NIM 3.48% vs 3.17% (▲31 bps)

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