Indian Bank (INDIANB) investor relations material

Executive summary

• Achieved strong YoY growth in deposits (up to 13.47%) and advances (up to 13.90%), with net profit rising 10.09% YoY to ₹3,273 crore and operating profit up 16.51% YoY to ₹5,557 crore; consolidated net profit reached ₹3,356.63 crore, up 47.5% YoY.

• Asset quality improved: gross NPA down 115 bps YoY to 1.86%, net NPA stable at 0.15%, and provision coverage ratio at 98.22%.

• Digital business expanded, with digital transactions comprising 95% of total and notable growth in digital loan products.

• Board approved unaudited standalone and consolidated results for the quarter ended June 30, 2026.

Financial highlights

• Net interest income grew 17% YoY to ₹7,435 crore; non-interest income increased 7.97% YoY to ₹2,633 crore.

• CASA ratio reached 39.73% this quarter, with sequential and YoY improvements; credit-deposit ratio at 81.06%.

• Cost-to-income ratio improved to 44.80%; RoA at 1.31% and RoE at 19.48%.

• Capital adequacy ratio (Basel III) stood at 17.58% standalone and 17.80% consolidated; CET1 at 16.51%.

Outlook and guidance

• Guidance maintained for credit growth (11–15%) and deposit growth (9–13%), with GNPA expected at 1.50–1.60% and NNPA at 0.15–0.20%.

• Margin guidance at 3.10–3.25%, cost-to-income ratio targeted at 45%, and credit cost below 1%.

• Additional provision of ₹12.79 crore made for West Asia crisis and ₹1,000 crore for ECL transition.