Overseas NPA remains elevated at 8.5%
Overseas gross NPA is high at 8.5% due to legal delays in recovery; no timeline for resolution.
IOB / Q3-FY26 / risks
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Indian Overseas Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
CASA ratio may decline if deposit growth outpaces savings
CASA ratio could fall if retail term deposit growth continues to outpace savings account growth, though management expects to maintain above 41%.
Government stake dilution may pressure stock
Government holding at 92.44% requires significant dilution to meet SEBI norms; ₹4,000 crore QIP planned but further OFS may dilute equity.
Provisioning volatility from ECL and standard provisions
Bank created ₹800 crore additional standard provision and ₹1,500 crore ECL provision, which may normalize but could impact earnings if sustained.