Q1-FY27 · Q3 FY26
FY26 credit growth of 24-25%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
IOB / Q1-FY27 / promises
Measure what management said.
Indian Overseas Bank · A quarter-by-quarter view of forward statements and whether delivery is visible yet.
Research layer active
ConCallIQ research layer
Signal, with the source still visible.
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Management delivery ledger
Promises over time.
Q1-FY27 · Q3 FY26
GNPA to reduce further by 5-7 bps in Q4
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q1-FY27 · Q3 FY26
Q4 recovery of ₹1,400-1,500 crore
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q1-FY27 · Q3 FY26
NIM to remain in 3.3-3.4% range
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY26 · Q2 FY26
Credit growth guidance of 12% as floor, likely 17-18%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY26 · Q2 FY26
Transition to new tax regime likely in Q3 or Q4 FY26
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1