Dear Client,
As part of our ongoing commitment to ensuring the security of your online trading experience, we would like to inform you of our protocol for addressing any suspicious activities observed on your trading account
Should you notice any irregularities or suspect unauthorized access to your account, we kindly request that you take immediate action by following the steps outlined below:
Send an Email Please send an email to stoptrade@acml.in from your registered email ID. In the email, briefly outline the suspicious activity you have observed.
Phone Call Alternatively, you can call us at 07965081981 Ext: 4 from your registered mobile number. This will enable us to address your concerns promptly.
When contacting us, please ensure you provide the following details:
By providing this information, you enable us to swiftly investigate and take appropriate measures to safeguard your account.
Your security and peace of mind are of utmost importance to us, and we appreciate your cooperation in maintaining the integrity of your trading account.
Operating profit stood at Rs 2,665.05 crore, up 1.80% YoY from Rs 2,617.92 crore in the corresponding quarter last year.
Profit before tax (PBT) rose 6.72% YoY to Rs 1,659.09 crore in Q4 FY26, compared with Rs 1,554.46 crore in Q4 FY25.
Net Interest Income (NII) jumped 11.11% to Rs 3,470 crore in Q4 FY26 as against Rs 3,123 crore reported in Q4 FY25. Domestic NIM stood at 3.35% while global NIM stood at 3.25% in Q4 FY26.
The bank's total business increased 20.76% to Rs 6,78,614 crore in Q4 FY26 as against Rs 5,61,958 crore in Q4 FY25. Total deposits increased 18.03% to Rs 3,68,191 crore in Q4 FY26 as against Rs 3,11,938 crore in Q4 FY25.
Current Account and Savings Account (CASA) deposits grew 10.85% to Rs 1.51 lakh crore in Q4 FY26 from Rs 1.36 lakh crore in Q4 FY25. The domestic CASA ratio declined to 41.46% in Q4 FY26 from 44.05% a year ago.
During the quarter, the gross NPA ratio stood at 1.42% as of 31 March 2026, compared with 2.14% a year ago, while the net NPA ratio stood at 0.21% versus 0.37%.
Retail, agri, and MSME credit rose 45.12%, 39.27%, and 13.08% YoY, respectively, while RAM (Retail, Agri, and MSME) business grew 34.91% YoY.
The Provision Coverage Ratio (PCR) stood at 97.50% as of 31 March 2026, compared with 97.30% a year ago. The cost-to-income ratio decreased to 44.02% for Q4 FY26 as against 44.35% for Q4 FY25.
Capital Adequacy Ratio (CAR) rose 74 basis points (bps) to 19.78%, with Tier-I at 16.94% and Tier-II at 2.84% as of March 2026.
On a full-year basis, the bank's standalone net profit surged 56.18% to Rs 5,208.03 crore, while total income increased 11.44% to Rs 37,532.15 crore in FY26 compared with FY25.
Indian Overseas Bank is engaged in the business of banking & financial services.
Shares of Indian Overseas Bank rose 0.49% to close at Rs 35.13 on the BSE.
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