Indian Bank · NSE:INDIANB
Indian Bank — Q3 FY2025 Earnings Presentation
50 slides from Indian Bank's earnings presentation, Jan 29, 2025
Slide 1: Cover letter to stock exchanges
निवेशक सेवाएँ कक्ष INVESTOR SERVICES CELL Ref. No.: ISC/397/2024-25 Date: 29.01.2025 The Vice President The Vice President National Stock Exchange of India Ltd. BSE Ltd. Exchange Plaza,Bandra- Kurla Complex 25, P. J. Towers Bandra East, Mumbai-400 051 Dalal Street, Mumbai-400001 NSE Symbol: INDIANB
Slide 2: Performance Analysis Q3 / NME FY25
DigitalNRSB _ Account. = Ind.Super 400's IND Supreme 300 INDSMART Sarda &> indian Bank 4 MT AIT Ie, KX HSA BT BA Performance Analysis Q3 / NME FY25 (£OM X eax in)
Slide 3: Contents
Contents Page Performance Highlights 3 Business Snapshot 6 Financials 14 Capital & Risk Management 24 Asset Quality 27 Financial Inclusion 34 Digital Banking & Business Network 36 ESG, Group Entities & Awards 43 2/49
Slide 4: Performance Highlights
Performance Highlights Q3FY25 (YoY) 3/49
Slide 5: Highlights Q3FY25 (YoY)
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Q3FY25 Business Deposits Advances CD Ratio CASA: 4% ₹ 12.61 lakh Cr ₹ 7.02 lakh Cr ₹ 5.59 lakh Cr SB: 3% 79.63% 8% 7% 10% CA: 5% Business (YoY) RAM Retail Agriculture MS
Slide 6: Consistent Performance
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Consistent Performance Business (₹ lakh Cr) Profit (₹ in Cr) Net Interest Income (₹ in Cr) CRAR (%) 12.2 12.6 16840 23274 16.53 16.49 10.9 15271 16.44 10.1 13980 20225 9
Slide 7: Business Snapshot
Barta 4% indian Bank Business Snapshot \4 6/49
Slide 8: Business Snapshot: Deposits and Advances
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Business Snapshot ₹ in Cr Domestic Deposits Sl No Parameter 31.12.2023 30.09.2024 31.12.2024 QoQ (%) YoY (%) Domestic Deposits 629401 664291 671577 1 Deposits 654154 693
Slide 9: Advances (Domestic): Retail, Agriculture, MSME
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Advances (Domestic) ₹ in Cr Sector 31.12.2023 30.09.2024 31.12.2024 YoY (%) Retail 31.12.2023 30.09.2024 31.12.2024 YoY (%) Gross Advances-Domestic 474355 513318 520224
Slide 10: Priority Sector Achievement
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Priority Sector ₹ in Cr Achievement RBI Benchmark Mandatory Target Segment (as on 31.12.24) (Excluding PSLC) (as % of ANBC) (Amount) Amount % Surpassed all the Priority
Slide 11: Sector Deployment - Domestic Advances
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Sector Deployment-Domestic Advances ₹ in Cr % share % share YoY Sector 31.12.2023 to Gross 31.12.2024 to Gross (%) Advances Advances Infrastructure 58668 12.4 55957 10.8
Slide 12: External Rating-wise Advances
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality External Rating-wise Advances ₹ in Cr External Rating 31.12.2023 30.09.2024 31.12.2024 (More than ₹10 Cr, For CRE/MSME > ₹25 Cr, LRD > ₹50 Cr) Exposure % to Total Exposu
Slide 13: Standard NBFC Advances
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality ₹ in Cr Standard NBFC 31.12.2023 % 30.09.2024 % 31.12.2024 % NBFC - HFCs 16395 31% 11328 19% 16203 27% Standard NBFC NBFC - PSUs 1680 3% 6780 11% 1822 3% Advances NBFC -
Slide 14: Investments (Domestic)
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Investments (Domestic) ₹ in Cr S No Details 31.12.2023 30.09.2024 31.12.2024 YoY (%) 1 SLR Investments 160820 169702 174609 8.6 Investment Portfolio Of which 215263 2193
Slide 15: Financials
Financials 14/49
Slide 16: Operating Profit & Net Profit
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Operating Profit & Net Profit ₹ in Cr Quarter Ended Nine Months Ended Year Ended Sl No Components 31.12.2023 30.09.2024 31.12.2024 QoQ (%) YoY (%) 31.12.2023 31.12.2024
Slide 17: Income
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Income ₹ in Cr Quarter Ended Nine Months Ended Year Ended Sl No Components 31.12.2023 30.09.2024 31.12.2024 QoQ (%) YoY (%) 31.12.2023 31.12.2024 YoY (%) 31.03.2024 1 In
Slide 18: Fee Income
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Fee Income ₹ in Cr Quarter Ended Nine Months Ended Year Ended Sl No Components 31.12.2023 30.09.2024 31.12.2024 QoQ (%) YoY (%) 31.12.2023 31.12.2024 YoY (%) 31.03.2024
Slide 19: Expenses
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Expenses ₹ in Cr Quarter Ended Nine Months Ended Year Ended Sl No Components 31.12.2023 30.09.2024 31.12.2024 QoQ (%) YoY (%) 31.12.2023 31.12.2024 YoY (%) 31.03.2024 1
Slide 20: Overhead Expenses
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Overhead Expenses ₹ in Cr Quarter Ended Nine Months Ended Year Ended Sl No Components 31.12.2023 30.09.2024 31.12.2024 QoQ (%) YoY (%) 31.12.2023 31.12.2024 YoY (%) 31.0
Slide 21: Provisions & Net Profit
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Provisions & Net Profit ₹ in Cr Quarter Ended Nine Months Ended Year Ended Sl No Components 31.12.2023 30.09.2024 31.12.2024 QoQ (%) YoY (%) 31.12.2023 31.12.2024 YoY (%
Slide 22: Performance Ratios
Capital & Performance Balance Balance Capital & Risk Shareholding Shareholding Asset Asset Business Business Investment Investment Financials Risk Highlights Sheet Sheet Management && Ratings Ratings Quality Quality Management Performance Ratios % Annualized Quarter Ended Nine Months Ended Year Ende
Slide 23: Performance Ratios
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Performance Ratios % Annualized Cost of Funds Yield on Funds Cost of Deposits Yield on Advances 8.79 8.28 8.42 8.72 7.49 7.76 7.03 7.45 6.8 7.21 4.99 5.20 5.12 4.88 4.44
Slide 24: Balance Sheet
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Balance Sheet ₹ in Cr Liabilities 31.12.2023 30.09.2024 31.12.2024 Capital 1347 1347 1347 Reserves & Surplus 56450 62754 65411 Deposits 654154 693115 702282 Borrowings 3
Slide 25: Capital & Risk Management
Capital & Risk Management 24/49
Slide 26: Capital & Risk Management
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Capital & Risk Management CET 1 Additional Tier I Tier II ₹ in Cr S No Parameters 31.12.2023 30.09.2024 31.12.2024 2.54% 2.70% 2.15% 1 Common Equity Tier I (CET 1) 46977
Slide 27: Shareholding, Ratings and Capital Plan
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Shareholding as on 31.12.2024 Ratings Domestic Rating Agency Issuer AT-1 Tier-II Infrastructure Certificate Rating Bond of Deposit Mutual Funds: 12.49% CRISIL - AA+/ Sta
Slide 28: Asset Quality
Asset Quality 27/49
Slide 29: Asset Quality
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Asset Quality Gross NPA Net NPA ₹ Cr 38455 Gross NPA (%) Net NPA (%) 35214 9.85 12271 8.47 28180 3.37 8849 5.95 2.27 21106 3.95 3.26 4044 18208 0.9 0.43 0.21 2223 1127 F
Slide 30: Movement of NPA
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Movement of NPA ₹ in Cr S Quarter Ended Nine Month Ended Year Ended Details No 31.12.2023 30.09.2024 31.12.2024 31.12.2023 31.12.2024 31.03.2023 31.03.2024 Fresh slippag
Slide 31: Sector-wise NPA
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Sector-wise NPA ₹ in Cr 31.12.2023 30.09.2024 31.12.2024 S % to % to % to Sector Gross Gross Gross No respective respective Outstanding respective NPA NPA NPA portfolio
Slide 32: NCLT and NARCL
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality ₹ in Cr 31.12.2024 Category No.of Exposure Provision PCR% Accounts RBI List I 6 1223 1223 100% RBI List II 10 2836 2836 100% NCLT Accounts filed by Bank 30 1300 1300 100
Slide 33: Special Mention Account (SMA) ₹5 Cr and above
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Special Mention Account (SMA) ₹5 Cr and above ₹ in Cr 31.12.2023 30.09.2024 31.12.2024 % to % to % to Respective Respective Respective Sector SMA 1 SMA 2 Total Sector SM
Slide 34: Covid Restructuring (sector-wise)
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Covid Restructuring (sector-wise) ₹ in Cr Reduction during the Addition during the QE Dec'24 QE Dec'24 Outstanding as Outstanding as Addition Recovery on 30.09.2024 Upgr
Slide 35: Financial Inclusion
Financial Inclusion \% 34/49
Slide 36: Financial Inclusion
Joint Venture Financial Digital Business & Regional Awards & HRM ESG Inclusion Footprint Network Subsidiaries Rural Banks Accolades Financial Inclusion Number of Enrolments (in Lakhs)* Dec'23 Sep'24 Dec'24 176 183 S No FI Parameters Dec'23 Sep'24 Dec'24 142 1 BCs engaged (Nos.) 10942 12993 13292 74
Slide 37: Digital Banking & Business Network
Digital Banking & Business Network 36/49
Slide 38: Digital Transactions vs Manual Transactions
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Digital Transactions Vs Manual Transactions 92% 87% 13% 8% QE Dec23 QE Dec24 Digital Transactions Branch Transactions 37/49
Slide 39: Expanding Digital Footprint - NME Dec'24
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Expanding Digital Footprint – NME Dec’24 89 lakh accounts under 186% YoY growth (₹13999 Cr) 3.2X YoY growth in amount 4.7X YoY growth in amount Digital Platform in Digi
Slide 40: Major IT Infrastructure & Digital Initiatives
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Major IT Infrastructure & Digital Initiatives Customer Fintech Cyber Data Relationship Security Governance Solutions Management ❖ 138 Fintech Companies • Robust Lead •
Slide 41: Digital Banking
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Digital Banking In lakhs Mobile Banking UPI Users Transactions Users Remitter Transactions YoY 18% YoY YoY YoY 12% 24% 52% 159 186 204 9305 14136 152 164 170 Dec-23 Dec
Slide 42: Branch Network, ATMs & Processing Centres
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries 31.12.2024 Region-wise Processing Centres & Verticals Domestic ATMs & Branches BNAs Northern 5877 5224 Overseas 13292 Branches Business 694 3 + 1 IBU Correspondents (GI
Slide 43: HR Initiatives
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries % of Domestic Average Total Male Female Female (As on 31.12.24) age of staff staff Officers 25626 18322 7304 38 29% Clerks 12415 7975 4440 38 36% Sub-staff 2029 1756 27
Slide 44: ESG, Group Entities & Awards
ESG, Group Entities & Awards 43/49
Slide 45: Environmental, Social, Governance
Joint Venture Financial Digital Business & Regional Awards & HRM ESG Inclusion Footprint Network Subsidiaries Rural Banks Accolades Environmental Social Governance • Installed Lighting sensor in Corporate/Head Office Rural Development: 37 RSETI Centres (INDSETIs) • Well defined policies and SOPs Pre
Slide 46: Joint Venture & Subsidiary
Financial Joint Digital Business Regional Awards & Inclusion HRM ESG Venture & Footprint Network Rural Banks Accolades Subsidiaries Joint Venture & Subsidiary ▪ Incorporated on 09.02.2024 ▪ In the business of Stock Broking & DP ▪ Authorised and paid-up Capital: ₹10 Cr ▪ Consortium of credible Public
Slide 47: Regional Rural Banks
Joint Financial Digital Business Regional Awards & HRM ESG Venture & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Regional Rural Banks ₹ in Cr Tamil Nadu Grama Bank Saptagiri Grameena Bank Puduvai Bharathiar Grama Bank Total of 3 RRBs Total Parameters NME NME NME NME YE FY24 FY24 F
Slide 48: Awards & Accolades
Joint Financial Digital Business Regional Awards & HRM ESG Venture & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Awards & Accolades IBA Annual Banking Technology ❖ CEO of the Year Award Prestigious SKOCH Award for Conference, 2024 -Special Mention under ❖ Best Public Sector Bank A
Slide 49: Disclaimer
Disclaimer This presentation has been prepared by Indian Bank (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. Certain forward-looking statements in these slides involve a number of risks, u
Slide 50: Thank You
Thank You