Indusind Bank Ltd. · NSE:INDUSINDBK
Indusind Bank — Q1 FY27 Earnings Presentation
43 slides from Indusind Bank's earnings presentation, Jul 22, 2026
Slide 1: Regulation 30 intimation to stock exchanges
July 22, 2026 National Stock Exchange of India Limited (Symbol: INDUSINDBK) BSE Limited (Scrip Code: 532187) Luxembourg Stock Exchange Madam / Dear Sir, Sub.: Investor Presentation on the Unaudited Consolidated and Standalone Financial Results of the Bank for the quarter ended June 30, 2026 Ref.: Re
Slide 2: Investor Presentation Q1-FY27
Investor Presentation Q1-FY27 | June 2026 July 22, 2026
Slide 3: Presentation Path
Presentation Path 01 Summary Executive Business Performance 02 2 Asset Quality 03 Financial Highlights 04 Capital and Liquidity Position 05 Other Key Information 06
Slide 4: IndusInd Bank at a Glance
IndusInd Bank at a Glance 5th Largest Private Bank ₹ 3,26,274crs ₹ 4,14,766crs 42 mn 9,413 Loans Deposits Customers Touch Points Universal 50% 13% 37% 50% 2.6mn+ Offerings Retail SME Wholesale Retail Deposit Share Monthly Active share in Loan Book as per LCR Users on INDIE App Robust Balance 17.15%
Slide 5: Highlights for Q1FY27
Highlights for Q1FY27 Avg Total Deposits: ↑ 1% QoQ Avg Total Loans: ↑ 3% QoQ Pivot towards growth from consolidation Avg Retail Deposits: ↑ 4% QoQ Avg Retail & SME Loans: ↓ 1% QoQ Balance Sheet Retail Deposit share: 49.5% vs. 47.9% QoQ Avg Wholesale Loans: ↑ 7% QoQ GNPAs: 3.25% vs 3.43% QoQ Net Secu
Slide 6: Key Financial Metrics for Q1 FY27
Key Financial Metrics for Q1 FY27 Balance Sheet Loans Deposits Borrowings Net worth Total Assets ₹ 3,26,274crs ₹ 4,14,766crs ₹ 43,864crs ₹ 64,798crs ₹ 5,54,926crs (2)% YoY 3% QoQ 4% YoY 4% QoQ (16)% YoY 3% QoQ 3% YoY 3% QoQ 3% YoY 2% QoQ CRAR Net NPA Liquidity Coverage Ratio Provision Coverage Ratio
Slide 7: Consolidated Balance Sheet (End of Period)
Consolidated Balance Sheet (End of Period) ₹ crs Q1FY27 Q1FY26 Y-o-Y (%) Q4FY26 Q-o-Q (%) Capital & Liabilities Capital 779 779 - 779 - Reserves and Surplus 66,049 64,736 2% 64,961 2% Deposits 4,14,766 3,97,144 4% 3,99,931 4% CA Deposits 34,620 33,892 2% 35,034 (1)% SA Deposits 87,440 91,113 (4)% 89
Slide 8: Consolidated Profit and Loss Account
Consolidated Profit and Loss Account ₹ crs Q1FY27 Q1FY26 Y-o-Y (%) Q4FY26 Q-o-Q (%) Net Interest Income 4,685 4,640 1% 4,371 7% Other Income 1,787 2,157 (17)% 1,714 4% Total Income 6,471 6,797 (5)% 6,085 6% Operating Expenses 3,698 4,229 (13)% 3,790 (2)% Operating Profit 2,773 2567 8% 2,295 21% Prov
Slide 9: Business Performance
Executive Summary 01 Presentation Path 02 Business Performance 8 Asset Quality 03 Financial Highlights 04 Capital and Liquidity Position 05 Other Key Information 06
Slide 10: Deposit and Loan Book Performance
Deposit and Loan Book Performance Deposit Mix – Average for the period (₹ crs) Loan Mix – Average for the period (₹ crs) 120% YoY 3,94,000 QoQ 120% 3,35,000 YoY QoQ 3,91,137 3,84,166 3,79,139 3,81,458 3,83,807 3,92,000 (2)% 1% 3,33,071 3,25,015 3,19,860 3,12,909 3,18,564 (4)% 2% 3,30,000 100% 100% 3
Slide 11: Building a Granular and Cost-Efficient Liabilities Franchise
Building a Granular and Cost-Efficient Liabilities Franchise Retail Deposit as per LCR Definitions – Average (₹ crs) Cost of Deposits (%) 1,90,166 5% YoY (49) bps YoY 2,00,000 1,80,678 1,80,475 1,80,113 1,82,898 51.0% 6.44% 6.23% 6.09% 6.07% 4% QoQ (12) bps QoQ 1,80,000 5.95% 49.0% 1,60,000 49.5% 47
Slide 12: Key Drivers of Retailisation of Deposits
Key Drivers of Retailisation of Deposits Process and ‘One Bank’ approach Improving TAT for Productivity holistically serving processes across Revamped KRAs Cross-sell driven engagement customer needs acquisition & servicing Enhancement Premiumization Segmental focus - Business and Differentiated Wea
Slide 13: Supported by Large Distribution Network
Supported by Large Distribution Network Widespread Pan Regional Breakdown Geographical Breakdown India Footprint of Branches of Branches 9,413+ ~1,60,000 Touch Points Villages Covered Central North Urban Rural Particulars (#) Jun-26 Mar-26 QoQ 13% 22% 25% 24% East Branches/Banking 3,137 3,136 1 Outl
Slide 14: Loan Book Diversified Across Customer Segments
Loan Book Diversified Across Customer Segments Loan Book Composition Loan mix and Growth (End of Period) Rs. Crore Q1 FY27 YoY QoQ % Share Institutional & Government Retail 1,62,752 -4% 0% 50% Banking, 10% Mid Market Vehicle Finance 99,718 3% 0% 31% Grp & Vehicle Finance, Specialized Verticals, 31%
Slide 15: Vehicle Finance: Leadership Across Vehicle Categories
Vehicle Finance: Leadership Across Vehicle Categories 35+ Market Leader Nationwide Healthy Digital Initiatives Tapping Years in Most Diversified Collateral for a Customer-first New Sub- of Vintage Products Presence Coverage Experience segments Vehicle Finance Loan Book (₹ crs) Vehicle Finance Disbur
Slide 16: Rural Banking: Leveraging Deep Distribution to Serve the Underserved
Rural Banking: Leveraging Deep Distribution to Serve the Underserved Micro Loan Book* (₹ Crs) Merchant Loan Book (₹ Crs) YoY QoQ 11% YoY Loan Book Disbursements 8,042 8,095 160K 28,408 7,304 7,262 7,338 1% QoQ Villages 21,321 (43)% (3)% served across 17,669 16,782 16,305 23 States 5,991 (13)% (5)% 3
Slide 17: Consumer Banking: Broadening the Traditional Retail Asset Franchise
Consumer Banking: Broadening the Traditional Retail Asset Franchise Home Loans (₹ crs) Personal Loans (₹ crs) 38% YoY (7)% YoY Improved risk & 6,510 6,889 10,681 10,804 10,598 10,358 9,930 6,114 6% QoQ (4)% QoQ analytical 5,547 models 4,996 Increased digital & branch sourcing Q1 FY26 Q2 FY26 Q3 FY26
Slide 18: SME: Addressing Large Opportunity with Focus on Granular Portfolio
SME: Addressing Large Opportunity with Focus on Granular Portfolio SME Loan Book (₹ crs) and % Share in Loan Mix Portfolio Spread Across Industries 50,000 20.0% (5)% YoY 45,393 Integrated 45,038 43,957 44,347 43,295 (2)% QoQ 45,000 18.0% Trading, 10% Operating Model Other Industry, 31% 40,000 16.0%
Slide 19: Wholesale Banking: Driven by Risk Adjusted Return on Capital
Wholesale Banking: Driven by Risk Adjusted Return on Capital Risk Profile: Rating wise Wholesale Banking Loan Book (₹ crs) Corporate Exposure * 1,18,824 1,18,155 1,12,360 1,08,525 1,20,227 1% YoY Primary Banker to Emerging & Mid Corporates 25% 25% 28% 27% 26% 11% QoQ 18% 18% 17% 17% 15% 29% 30% 31%
Slide 20: Digital Banking: Continuing Momentum Across Metrics
Digital Banking: Continuing Momentum Across Metrics Digital Acquisition Payment & Digital Adoption & Origination Merchant Ecosystem & Engagement Q1’27 Q1’27 4.6 INDIE App SA opened via end- INDIE APP led Rating 30.5K to-end DIY journey 6.8Mn+ transactions 4.7 4.6 INDIE for Business TDs opened UPI tr
Slide 21: INDIE
INDIE One App. Endless Possibilities. Retail made simple with INDIE. 100 + Banking Features across Web & Mobile 51% 28K+ 6,800 Cr. + Scan 5Mn+ 2.1Mn+ MAU Total Credit FDs & RDs to watch Registrations* SA Customers* video Customers** Lines** opened** Savings Account | Payments | Deposits | Line of Cr
Slide 22: INDIE for Business
INDIE for Business A Next Gen ‘all in one’ Business SUPER APP #BetterBusinesBanking 100 + Banking Features across Web & Mobile Self Registration | Payments | Merchant Collections | Business Loans | Notifications | Current Accounts | more.. ₹25K Cr. + ₹98 Cr. + ₹118 Cr. + Scan 700K+ 65% Transactions
Slide 23: Asset Quality
Executive Summary 01 Presentation Path Business Progress 02 03 Asset Quality 22 Financial Highlights 04 Capital and Liquidity Position 05 Other Key Information 06
Slide 24: Stressed Assets and Provisions
Stressed Assets and Provisions Restructured Book and Net Security Receipts (% of Net Advances) Restructured Book and Net Security Receipts (% of Net Advances) Gross NPA and Net NPA (%) Provision Coverage Ratio (%) 3.64% YoY QoQ 3.60% 3.56% 3.43% 72% 3.25% 72% 71% 71% (39)bps (18)bps 123bps YoY (2)bp
Slide 25: Segment wise Asset Quality Trends
Segment wise Asset Quality Trends ₹ Crs 2,567 1,825 1,660 2,098 1,359 1,188 664 1,868 1,435 12,481 11,095 10,849 164 140 46 25 43 20 152 122 115 60 144 122 2,193 62 2,348 2,372 159 386 113 353 492 394 443 325 19 1,168 378 113 1,301 328 105 609 1,341 157 118 1,122 523 496 183 167 135 941 970 110 191
Slide 26: Movement in Non-Performing Assets
Movement in Non-Performing Assets ₹ Crs Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Opening Balance 11,046 12,481 12,058 11,605 11,095 Fresh Additions 2,567 2,537 2,560 1,825 1,660 Deductions 1,133 2,960 3,013 2,335 1,907 -Write-offs 664 2,517 2,612 1,868 1435 -Upgrades 230 199 166 203 225 -Recoveries 239 24
Slide 27: Loan Related Provisions held as on June 30, 2026
Loan Related Provisions held as on June 30, 2026 • Specific provision of ₹ 7,678 crs for non-performing accounts (towards PCR) • Floating provisions of ₹ 70 crs (towards PCR) • Standard asset provisions of ₹ 1,810 crs including restructured • Provision Coverage Ratio at 71% and total loan related pr
Slide 28: Financial Highlights
Executive Summary 01 Presentation Path Business Progress 02 Asset Quality 03 27 04 Financial Outcomes Capital and Liquidity Position 05 Other Key Information 06
Slide 29: Key P&L Metrics
Key P&L Metrics NetSecurity Restructured Book and Net Revenue Receipts (₹ crs) (% of Net Advances) Operating Restructured Book and Expenses Net Security (₹ crs)(% of Net Advances) Receipts YoY QoQ YoY QoQ 6,797 6,269 6,471 4,229 3,999 6,060 6,085 (5)% 6% 4,013 3,790 3,698 (13)% (2)% 2,157 1,707 1,78
Slide 30: Net Interest Margin: Key Components and Trend
Net Interest Margin: Key Components and Trend Yield on Advances and Assets (%) Cost of Deposits and Cost of Funds (%) Net Interest Margin (%) 11.62 6.44 11.23 11.08 11.15 10.96 6.23 6.09 6.07 5.95 3.46 3.32 3.52 3.39 3.57 9.15 8.75 8.78 8.53 8.62 5.69 5.43 5.26 5.14 5.05 Q1FY26 Q2FY26 Q3FY26 Q4FY26
Slide 31: Diversified Fee and Other Income Streams
Diversified Fee and Other Income Streams Non-Interest Income Mix (₹ crs) Core Fee to Asset Ratio (% of Average Assets) YoY QoQ 2,157 1,651 1,707 1,714 1,787 (17)% 4% YoY QoQ 6% 8% 11% 12% 1.23% 29% 20% 18% 1.20% 6bps 3bps 19% 23% 1.18% 1.16% 14% 1.14% 74% 74% 70% 65% 57% Q1 FY26 Q2 FY26 Q3 FY26 Q4 F
Slide 32: Key Financial Indicators
Key Financial Indicators Restructured Book and Return on Assets Net Security (%)* (% of Net Advances) Receipts Restructured Book and Return on Equity Net Security (%)* (% of Net Advances) Receipts 6.26% 3.71% 3.63% 0.78% 0.45% 0.45% 0.10% 0.79% -0.33% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 -2.68% Q
Slide 33: Capital and Liquidity Position
Executive Summary 01 Presentation Path Business Progress 02 Asset Quality 03 Financial Highlights 04 32 05 Position Liquidity Capital and Other Key Information 06
Slide 34: Healthy Capital Adequacy and Liquidity Position
Healthy Capital Adequacy and Liquidity Position CRAR (%) CET 1 (%) 52bps YoY 16.20% 16.10% 62bps YoY 15.88% 15.74% 17.48% (33)bps QoQ 17.10% 16.94% 17.15% 15.48% (10)bps QoQ 16.63% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1, Q2 & Q3 FY26 excludes interim profi
Slide 35: Shareholding Pattern and Credit Ratings
Shareholding Pattern and Credit Ratings Diversified Shareholding Credit Ratings Domestic Rating NRIs/ Director/ CARE A1+ for Certificate of Deposits. Others GDR issue 1.90% 4.64% Promoters CRISIL A1+ certificate of deposit program / short Individuals 15.08% 7.85% term FD programme. Private Corporate
Slide 36: Other Key Information
Executive Summary 01 Presentation Path Business Progress 02 Asset Quality 03 Financial Highlights 04 35 Capital and Liquidity Position 05 06 Other Key Information
Slide 37: Micro Loans: Additional Disclosures (1/2)
Micro Loans: Additional Disclosures (1/2) Cumulative 12M ending Jun-26 Q1 FY27 72% 74% Up to 6 M 6-12 M 12-24 M 6-12 M 12-24 M 1% of Disbursements Up to 6 M 24-36 M of Disbursements 0% 4% 24-36 M 0% 3% Towards Centers with 0% 8% Towards Centers with 8% 36-48 M 36-48 M >5 Years Vintage 6% >5 Years Vi
Slide 38: Micro Loans: Additional Disclosures (2/2)
Micro Loans: Additional Disclosures (2/2) Net Collection Efficiency Early Stress Bucket (DPD Book % of Gross Portfolio) Standard Customers (0-90 DPD) Current Customers (0 DPD) DPD 0-90 DPD 30-90 4.8% 99.5% 99.6% 99.6% 99.7% 99.7% 99.8% 99.7% 99.7% 99.7% 99.0% 99.1% 99.2% 99.1% 98.8% 4.1% 3.3% 3.0% 9
Slide 39: ESG highlights – Select ESG ratings
ESG highlights – Select ESG ratings (starting with recently received) 66/100 72/100 (26-Mar-26) (02-Jan-26) 61/100 65/100 83/100 (10-Sep-25) (08-Dec-25) (09-Dec-25)
Slide 40: ESG and CSR highlights – Environment initiatives
ESG and CSR highlights – Environment initiatives 2032 ~ 37% 3 14 Target year for Carbon Neutrality Green, Climate, Social, Livelihood & Offices LEED Branches/Lobbies with LEED in own operations inclusive portfolio of loan book FY26 certification certification (under external assurance) 12,237 hectar
Slide 41: ESG and CSR highlights
ESG and CSR highlights Social Initiatives – impact Impact through our Initiatives – FY2026 • Reached 3 lakh rural HHs and 1.31 lakh HHs directly 19 lakh farmers 60200+ students 955+ sportspersons served in BFIL Bharat supported under FLN supported supported with increase in income by 30% across five
Slide 42: Awards & Accolades
Awards & Accolades Won 6 prestigious wins in the 'Best Supply Chain Solution' category IndusInd Bank won ‘Platinum’ at Infosys Finacle Innovation Award at The Asset Triple A Treasurise Awards 2026, one of the most 2026, for ‘INDIE for MSMEs - Digital Current Account Opening respected platforms in As
Slide 43: Disclaimer
Disclaimer This presentation has been prepared by IndusInd Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any condensed,. All information contained has been prepared solely by the Bank. No informati