Indian Overseas Bank
Public Sector · NSE IOB · Market cap ₹63,759
Latest FY FY2026
Loan growth
24.9%
Deposit growth
18.3%
NIM
3.5%
97th pctile
ROA
1.2%
ROE
16.0%
Gross NPA
1.3%
0th pctile
P/B
1.80x
33th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 24.9% | 17.7% | +7.2pp | — |
| Deposit growth | 18.3% | 13.4% | +5.0pp | — |
| CASA | 41.0% | 32.7% | +8.3pp | 73th |
| NIM | 3.5% | 3.6% | -0.1pp | 97th |
| ROA | 1.2% | 1.1% | +0.2pp | — |
| ROE | 16.0% | 12.4% | +3.6pp | — |
| Gross NPA | 1.3% | 1.9% | -0.5pp | 0th |
| Credit cost | 1.7% | 1.3% | +0.5pp | — |
| Cost/income | 54.0% | 55.1% | -1.2pp | — |
| CRAR | 19.4% | 18.9% | +0.5pp | — |
| P/B | 1.80x | 1.07x | +0.7pp | 33th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲Capital to Risks Assets Ratio (CRAR) at 19.36 — 93th percentile of its own history (multi-year high) · hist_percentile>=90
- ▼Cost To Income Ratio +22.0% YoY to 53.95 · abs(yoy)>=15%
- ▲Fresh Slippages - Quarterly at 195.00 — 0th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Fresh Slippages - Quarterly -23.2% YoY to 195.00 · abs(yoy)>=15%
- ▲Gross NPA at 1.33 — 0th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Gross NPA -32.5% YoY to 1.33 · abs(yoy)>=15%
- ▲Net Interest Margin at 3.48 — 97th percentile of its own history (multi-year high) · hist_percentile>=90
- ▼CASA Ratio decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Advances growing +10.8pp vs listed-bank aggregate (share 1.42%, +0.12pp 1Y) · |bank growth - system proxy growth| >= 5pp
- ▲Deposits growing +8.4pp vs listed-bank aggregate (share 1.45%, +0.10pp 1Y) · |bank growth - system proxy growth| >= 5pp