Indian Bank · NSE:INDIANB
Indian Bank — Investor Presentation (August 2026)
47 slides from Indian Bank's investor presentation, Aug 19, 2026
Slide 1: Regulation 30 disclosure letter to exchanges
निवेशक सेवाएँ कक्ष INVESTOR SERVICES CELL Ref. No.: ISC/183/2026-27 Date: 19.08.2026 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 : I
Slide 2: Indian Bank Corporate Presentation
Indian Bank Corporate Presentation
Slide 3: Contents
Contents Page Performance Highlights 3 Business Snapshot 6 Financials 14 Capital & Risk Management 24 Asset Quality 27 Financial Inclusion 32 Digital Banking & Business Network 34 ESG, Group Entities & Awards 41 2/46
Slide 4: Performance Highlights Q1FY27 (YoY)
Performance Highlights Q1FY27 (YoY)
Slide 5: Highlights Q1FY27 (YoY)
Performance Balance Capital s Risk Shareholding Asset Business Investment Financials Highlights Sheet Management s Ratings Quality Q1FY27 Business Deposits Advances CASA CD Ratio ₹8. 44lakh Cr ₹6. 85lakh Cr CASA :15.30% ₹15. 29lakh Cr (USD 89.15 bn) (USD72.36 bn) SB: 13.54% 81.06% (USD161.52 bn) CA:
Slide 6: Business Highlights (QoQ)
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Business Highlights (QoQ) ₹ lakhCr Business Profit ₹ in Cr Net Interest Income ₹ in Cr CRAR (%) Business Deposits Advances Operating Profit Net Profit 5557 14.95 15.29 5
Slide 7: Business Snapshot
' B iness Snapshot Bus
Slide 8: Deposits and Advances
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Business Snapshot ₹ in Cr Sl No Parameter 30.06.2025 31.03.2026 30.06.2026 QoQ (%) YoY (%) Domestic Deposits Domestic 709750 789283 803163 1 Deposits 744289 827726 84457
Slide 9: Advances (Domestic)
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Advances (Domestic) ₹ in Cr Sector 30.06.2025 31.03.2026 30.06.2026 YoY (%) Retail 30.06.2025 31.03.2026 30.06.2026 YoY (%) Gross Advances-Domestic 555881 617485 631790
Slide 10: Priority Sector and Self Help Group
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 30.06.26) (Excluding PSLC) (as % of ANBC) (Amount) Amount % Priority Sector 40.00% 2087
Slide 11: Sector Deployment - Domestic Advances
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Sector Deployment-Domestic Advances ₹ in Cr % share % share YoY Sector 30.06.2025 to Gross 30.06.2026 to Gross (%) Advances Advances Infrastructure 56752 10.21 76057 12.
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 * * 30.06.2025 31.03.2026 30.06.2026 External Rating Exposure % to Total Exposure % to Total Exposure % to Total Rated Exposure AAA
Slide 13: Standard NBFC Advances
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality ₹ in Cr Standard NBFC 30.06.2025 % 31.03.2026 % 30.06.2026 % NBFC - HFCs 15642 28% 13386 25% 13383 23% Standard NBFC NBFC - PSUs 4677 8% 4340 8% 2611 5% Advances NBFC -
Slide 14: Investments (Domestic)
Performance Investment Balance Capital & Risk Shareholding Asset Highlights Business Financials Sheet Management & Ratings Quality Investments (Domestic) ₹ in Cr Investment Portfolio Details 30.06.2025 31.03.2026 30.06.2026 YoY (%) 242486 245333 SLR Investments 187656 195814 200006 6.6 231604 Of whi
Slide 15: Financials
Indian Bank iarde
Slide 16: Operating Profit & Net Profit
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Operating Profit & Net Profit ₹ in Cr Sl No Components Quarter Ended Year Ended 30.06.2025 31.03.2026 30.06.2026 QoQ (%) YoY (%) 31.03.2026 1 Interest Income 16283 17480
Slide 17: Income
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Income ₹ in Cr Quarter Ended Year Ended Sl No Components 30.06.2025 31.03.2026 30.06.2026 QoQ (%) YoY (%) 31.03.2026 1 Interest Income on Advances and Discount on Bills
Slide 18: Fee Income
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Fee Income ₹ in Cr Sl No Components Quarter Ended Year Ended 30.06.2025 31.03.2026 30.06.2026 QoQ (%) YoY (%) 31.03.2026 1 Transaction fees 212 138 116 (15.82) (45.36) 6
Slide 19: Expenses
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Expenses ₹ in Cr Sl No Components Quarter Ended Year Ended 30.06.2025 31.03.2026 30.06.2026 QoQ (%) YoY (%) 31.03.2026 1 Interest on deposits 9227 9518 9759 2.53 5.76 37
Slide 20: Overhead Expenses
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Overhead Expenses ₹ in Cr Sl No Components Quarter Ended Year Ended 30.06.2025 31.03.2026 30.06.2026 QoQ (%) YoY (%) 31.03.2026 1 Rent, Taxes & Lighting 169 179 189 5.69
Slide 21: Provisions & Net Profit
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Provisions & Net Profit ₹ in Cr Sl No Components Quarter Ended Year Ended 30.06.2025 31.03.2026 30.06.2026 QoQ (%) YoY (%) 31.03.2026 1 Operating Profit 4770 5286 5557 5
Slide 22: Performance Ratios
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Performance Ratios % Annualized Quarter Ended Year Ended Sl No Ratios 30.06.2025 31.03.2026 30.06.2026 31.03.2026 1 Cost of Deposits 5.14 4.83 4.80 4.97 2 Cost of Funds
Slide 23: Performance Ratios
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Performance Ratios % Annualized Cost of Deposits Yield on Advances Cost of Funds Yield on Funds 8.58 8.07 8.09 8.27 7.95 8.00 5.14 4.83 5.23 4.80 4.88 4.83 QE Jun25 QE M
Slide 24: Balance Sheet
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Balance Sheet ₹ in Cr Liabilities 30.06.2025 31.03.2026 30.06.2026 Capital 1347 1347 1347 Reserves & Surplus 71327 76944 80723 Deposits 744289 827726 844578 Borrowings 5
Slide 25: Capital & Risk Management
' B pital & R Cap isk Management
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 30.06.2025 31.03.2026 30.06.2026 1.53% 1.07% 1 Common Equity Tier I (CET 1) 63377 71764
Slide 27: Shareholding Pattern and Ratings
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials & Ratings Sheet Management Quality Shareholding Pattern as on 30.06.26 Ratings Mutual Funds: 13.52% Resident Individual: 2.08% Domestic Insurance Companies: 3.42% Rating Issuer Infrastructure Certificate
Slide 28: Asset Quality
' B ty Asset Qual
Slide 29: Movement of NPA
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Movement of NPA Gross NPA Net NPA ₹ in Cr ₹ in Cr 18067 S Quarter Ended Year Ended 13190 Details 12710 No 30.06.2025 31.03.2026 30.06.2026 31.03.2026 1 Gross NPA opening
Slide 30: Sector wise NPA and Slippages
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Sector wise NPA ₹ in Cr 30.06.2025 31.03.2026 30.06.2026 S % to % to % to Sector Gross Gross Gross No respective respective Outstanding respective NPA NPA NPA portfolio
Slide 31: Covid Restructuring, NCLT and NARCL
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality 30.06.2026 ₹ in Cr Category No.of Exposure Provision PCR% Accounts RBI List I 6 1224 1224 100% S.No Position of Accounts with Indian Bank No. of A/cs Book as on 30.06.20
Slide 32: 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 30.06.2025 31.03.2026 30.06.2026 % to % to % to Sector Respective Respective Respective SMA 1 SMA 2 Total Sector SM
Slide 33: Financial Inclusion
ms ion ial Inclus iInanc F
Slide 34: Financial Inclusion
Financial Joint Digital Business Venture & Regional Rural Awards & Inclusion Footprint HRM ESG Network Subsidiaries Banks Accolades Financial Inclusion S No FI Parameters Jun'25 Mar'26 Jun'26 1 Average Balance in PMJDY account: ₹5517 (vs ₹5224 of Industry) 1 BCs engaged (Nos.) 15080 17032 17314 Grow
Slide 35: Digital Banking & Business Network
Digital Banking & Business Network
Slide 36: Digital Business during Q1FY27
Financial Digital Business Joint Regional Rural Awards & Inclusion HRM ESG Venture & Footprint Network Banks Accolades Subsidiaries Digital Business during Q1FY27 : ₹67327 Cr ₹ in Cr Digital vs Branch Transactions 158 Digital Journeys, Utilities & Processes Digital Business Digital Assets 93% 95% 56
Slide 37: Expanding Digital Footprint – Q1FY27
Financial Joint Digital Business Regional Rural Awards & Inclusion HRM ESG Venture & Footprint Network Banks Accolades Subsidiaries Expanding Digital Footprint – Q1FY27 ~1.0x YoY growth ~1.2x YoY growth in amount ~1.2x YoY growth ~1.2x YoY growth ~1.1 YoY growth ~1.8x YoY growth ~1x YoY growth in am
Slide 38: Major IT Infrastructure & Digital Initiatives
Joint Financial Digital Business Regional Rural Awards & HRM ESG Venture & Inclusion Footprint Network Banks Accolades Subsidiaries Major IT Infrastructure & Digital Initiatives 01 01 IND Cash Optima 02 Virtual Banking Next Gen Transaction Banking platform for Experience (VBX) Corporate & Government
Slide 39: Digital Banking
Financial Joint Digital Business Regional Rural Awards & Inclusion HRM ESG Venture & Footprint Network Banks Accolades Subsidiaries Digital Banking In Cr Mobile Banking UPI Users Transactions Users Transactions 2.48 2.00 2.02 1.76 2.77 2.29 237 176 Jun-25 Jun-26 QE Jun 25 QE Jun 26 Jun-25 Jun-26 QE
Slide 40: Business Network and Touch Points
Joint Financial Digital Business Regional Rural Awards & HRM ESG Venture & Inclusion Footprint Network Banks Accolades Subsidiaries 30.06.2026 Processing Centres & Verticals Pan India Touch Points: 28,994 Population group wise (Domestic) 100 81 Domestic Branches 6003 RACs RAPCs Northern Rural Metro
Slide 41: Manpower Position and HR Initiatives
Financial Digital Business Joint Regional Rural Awards & Inclusion HRM ESG Venture & Footprint Network Banks Accolades Subsidiaries Domestic Average age % of Female Manpower Position Total Male Female (As on 30.06.26) of staff staff Officers 27063 19061 8002 38 30% Clerks 13094 8355 4739 38 36% Sub-
Slide 42: ESG, Group Entities & Awards
ESG, Group Entities & Awards
Slide 43: Environmental, Social and Governance Initiatives
Joint Venture Financial Digital Business ESG & Regional Rural Awards & HRM Inclusion Environmental Footprint Network Subsidiaries Banks Accolades ▪ Installed aerators in ▪ 144 LED signboards installed ▪ Replaced 1481+ Diesel ▪ Ramp/lift is provided in 4873 plumbing fixtures to generators with Invert
Slide 44: Joint Venture and Subsidiaries
Financial Joint Venture Digital Business Regional Rural Awards & Inclusion HRM ESG & Footprint Network Banks Accolades Subsidiaries Joint Venture Subsidiary Wholly Owned Subsidiary ▪ Incorporated on 09.02.2024 ▪ Consortium of credible Public & Private ▪ In the business of Stock Broking & DP ▪ Author
Slide 45: Regional Rural Banks
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Regional Rural Banks ₹ in Cr Tamil Nadu Grama Bank Puducherry Grama Bank Total Parameters Quarter Ended Quarter Ended Quarter Ended FY26 FY26 FY26 Jun-25 Jun-26 YoY (%)
Slide 46: Awards and Accolades
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries CEO of the Year at TN Business APY Annual Award of Excellence for Leader of the Year 2025 achieving 104% of APY target in FY26 Bank won Prestigious SKOCH Golden Award W
Slide 47: Guidance
Guidance Parameters Actuals (Q1FY27) Guidance (FY27) Deposits 13.47% 9% ~ 11% Advances 13.89% 11% ~ 13% Domestic CASA 39.73% 40% Credit Deposit Ratio 81.06% ~ 80% GNPA % 1.86% 1.50% ~ 1.60% NNPA % 0.15% 0.15% ~ 0.20% Recovery ₹1885 Cr ₹4500 Cr ~ ₹5500 Cr AUC ₹751 Cr ₹1200 Cr ~ ₹1500 Cr NIM 3.29% 3.1