Indusind Bank Ltd. · NSE:INDUSINDBK
Indusind Bank — Q4 FY26 Earnings Presentation
43 slides from Indusind Bank's earnings presentation, Apr 24, 2026
Slide 1: Regulation 30 intimation to stock exchanges
April 24, 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 Audited Consolidated and Standalone Financial Results of the Bank for the quarter and financial year ended Marc
Slide 2: Investor Presentation Q4-FY26
Investor Presentation Q4-FY26 | March 2026 April 24, 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 ₹ 3,15,871crs ₹ 3,99,931crs 42 mn 9,535 Loans Deposits Customers Touch Points Universal 52% 14% 34% 48% 2.8mn+ Offerings Retail SME Wholesale Retail Deposit Share Monthly Active share in Loan Book as per LCR Users on INDIE App Robust Balance 17.48%
Slide 5: Highlights for Q4FY26
Highlights for Q4FY26 Avg Total Deposits: ↑ 1% QoQ Avg Total Loans: ↓ 2% QoQ Enhanced retail mix with selective growth in focus areas Avg Retail Deposits: ↑ 2% QoQ Avg Retail & SME Loans: Stable QoQ Balance Sheet Retail Deposit share: 47.9% vs. 47.5% QoQ Avg Wholesale Loans: ↓ 6% QoQ GNPAs: 3.43% vs
Slide 6: Key Financial Metrics for Q4 FY26
Key Financial Metrics for Q4 FY26 Balance Sheet Loans Deposits Borrowings Net worth Total Assets ₹ 3,15,871crs ₹ 3,99,931crs ₹ 42,789crs ₹ 62,867crs ₹ 5,43,394crs (8)% YoY (1)% QoQ (3)% YoY 2% QoQ (20)% YoY 9% QoQ 1% YoY 1% QoQ (2)% YoY 3% QoQ CRAR Net NPA Liquidity Coverage Ratio Provision Coverage
Slide 7: Consolidated Balance Sheet
Consolidated Balance Sheet ₹ crs Q4FY26 Q4FY25 Y-o-Y (%) Q3FY26 Q-o-Q (%) Capital & Liabilities Capital 779 779 - 779 - Reserves and Surplus 64,961 64,057 1% 64,395 1% Deposits 3,99,931 4,10,862 (3)% 3,93,815 2% CA Deposits 35,034 40,764 (14)% 31,416 12% SA Deposits 89,899 94,025 (4)% 87,688 3% Borr
Slide 8: Consolidated Profit and Loss Account
Consolidated Profit and Loss Account ₹ crs Q4FY26 Q4FY25 Y-o-Y (%) Q3FY26 Q-o-Q (%) FY2026 FY2025 Y-o-Y (%) Net Interest Income 4,371 3,048 43% 4,562 (4)% 17,982 19,031 (6)% Other Income 1,714 709 NM 1,707 - 7,229 7,690 (6)% Total Income 6,085 3,757 62% 6,269 (3)% 25,211 26,722 (6)% Operating Expens
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 4,05,000 QoQ 120% 3,60,000 YoY QoQ 3,99,802 3,91,137 3,84,166 3,79,139 3,81,458 (5)% 1% 3,52,890 3,33,071 3,25,015 3,19,860 3,12,909 (11)% (2)% 4,00,000 3,50,000 100% 100
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 (%) (2)% YoY (43) bps YoY 2,00,000 1,86,503 1,80,678 1,80,475 1,80,113 1,82,896 49.0% 6.50% 6.44% 6.23% 6.09% 6.07% 2% QoQ (2) bps QoQ 1,80,000 47.0% 1,60,000 47.5% 4
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 9,535+ ~1,62,000 Touch Points Villages Covered Central North Urban Rural Particulars (#) Mar-26 Dec-25 QoQ 13% 22% 25% 24% East Branches/Banking 3,136 3,120 +16 Ou
Slide 14: Loan Book Diversified Across Customer Segments
Loan Book Diversified Across Customer Segments Loan Book Composition Loan mix and Growth Rs. Crore Q4 FY26 YoY QoQ % Share Institutional & Government Banking Retail 1,62,999 -4% 1% 52% 10% Mid Market Grp & Vehicle Finance 99,876 4% 2% 32% Specialized Verticals Vehicle Finance 9% 32% Rural Banking 32
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) Loan Book Disbursements YoY QoQ 11% 30,909 8,042 YoY 28,408 162K 21,321 7,260 7,304 7,262 7,338 10% QoQ Villages 17,669 16,782 (46)% (5)% served across 9,396 23 States 5,991 5,478
Slide 17: Consumer Banking: Broadening the Traditional Retail Asset Franchise
Consumer Banking: Broadening the Traditional Retail Asset Franchise Home Loans (₹ crs) Personal Loans (₹ crs) 6,510 45% YoY 1% YoY Improved risk & 6,114 10,209 10,681 10,804 10,598 10,358 5,547 6% QoQ (2)% QoQ analytical 4,996 models 4,491 Increased digital & branch sourcing Q4 FY25 Q1 FY26 Q2 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% 46,542 (5)% YoY Other Industry, 32% Trading, 10% 45,393 45,038 Integrated 43,957 44,347 1% QoQ 45,000 18.0% Operating Model Automobile sect
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 * 1,28,905 1,18,824 1,18,155 1,12,360 1,08,525 (16)% YoY Primary Banker to Emerging 17% 17% 20% 18% 18% & Mid Corporates 24% 25% 25% 28% 27% (3)% QoQ 29% 29%
Slide 20: Digital Banking: Continuing Momentum Across Metrics
Digital Banking: Continuing Momentum Across Metrics Digital Acquisition Payment & Digital Adoption & Origination Merchant Ecosystem & Engagement Q4’26 Q4’26 4.6 INDIE App SA opened via end- INDIE APP led Rating 29K+ to-end DIY journey 6.6Mn+ transactions 4.7 4.6 INDIE for Business TDs opened UPI tra
Slide 21: INDIE
INDIE One App. Endless Possibilities. Retail made simple with INDIE. 100 + Banking Features across Web & Mobile 58% 28K+ 2,767 Cr. + Scan 4.8Mn+ 2.5Mn+ MAU Total Credit FDs & RDs to watch Registrations* SA Customers* video Customers** Lines** opened** Savings Account | Payments | Deposits | Line of
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.. ₹24K Cr. + ₹122 Cr. + ₹93 Cr. + Scan 600K+ 67% 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% 3.13% 72% 30bps (14)bps 71% 119bps YoY (10)bps QoQ
Slide 25: Segment wise Asset Quality Trends
Segment wise Asset Quality Trends ₹ Crs 5,014 2,560 1,825 4,526 2,159 1,359 1,816 2,612 1,868 11,046 11,605 11,095 164 33 27 6 - - 140 158 16 44 43 138 119 68 122 56 434 385 454 2,155 2,218 2,351 163 366 386 140 473 106 421 118 1 108 378 113 1,134 1,239 221 185 1,302 328 561 581 523 1,005 944 167 94
Slide 26: Movement in Non-Performing Assets
Movement in Non-Performing Assets ₹ Crs Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Opening Balance 8,375 11,046 12,481 12,058 11,605 Fresh Additions 5,014 2,567 2,537 2,560 1,825 Deductions 2,343 1,133 2,960 3,013 2,335 -Write-offs 1,816 664 2,517 2,612 1,868 -Upgrades 216 230 199 166 203 -Recoveries 277 23
Slide 27: Loan Related Provisions held as on March 31, 2026
Loan Related Provisions held as on March 31, 2026 • Specific provision of ₹ 7,856 crs for non-performing accounts (towards PCR) • Floating provisions of ₹ 70 crs (towards PCR) • Standard asset provisions of ₹ 1,734 crs including restructured • Provision Coverage Ratio at 71% and total loan related p
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 4,248 4,229 6,060 6,269 4,013 3,999 6,085 62% (3)% 3,790 (11)% (5)% 2,157 1,707 1,651 1,7
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 (%) 6.50 6.44 11.62 11.23 11.08 11.15 6.23 6.09 6.07 9.45 3.46 3.32 3.52 3.39 9.15 8.75 8.78 8.53 7.85 5.60 5.69 2.25 5.43 5.26 5.14 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q
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 2,687 2,157 1,651 1,707 1,714 (36)% - 1.70% YoY QoQ 14% 6% 8% 11% 29% 1.18% 1.23% 1.20% 14% 20% 18% 19% 1.14% (54)bps (6)bps 14% 72% 74% 74% 70% 57% Q4 FY25 Q1 FY26 Q2 FY26
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 3.71% 3.64% 0.45% 0.45% 0.79% 0.10% -2.68% -0.33% -1.74% Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 -14.12
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 (%) 124bps YoY 16.20% 110bps YoY 15.88% 15.74% 17.48% 54bps QoQ 17.10% 15.48% 46bps QoQ 16.94% 16.63% 15.10% 16.24% Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1, Q2 & Q3 FY26 excludes interim profits
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 1.96% 4.64% Promoters CRISIL A1+ certificate of deposit program / short Individuals 15.08% 8.50% 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) FY26 Q4 FY26 69% 73% Up to 6 M 6-12 M 12-24 M Up to 6 M 6-12 M 12-24 M 1% 2% of Disbursements 0% 0% 4% 24-36 M of Disbursements 7% 24-36 M Towards Centers with 9% Towards Centers with 8% >5 Years Vintage 36-48 M >5 Years Vintage 36-48 M 7% Disbursements 8% 4
Slide 38: Micro Loans: Additional Disclosures (2/2)
Micro Loans: Additional Disclosures (2/2) Net Collection Efficiency New Stress Formation and Early Stress Bucket (Indexed) Standard Customers (0-90 DPD) Current Customers (0 DPD) Fresh Flows - Overall Book * Standard Overdue Book (0+ DPD to NPA) 99.8% 99.5% 99.5% 99.6% 99.6% 99.7% 99.7% 99.8% 99.3%
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 ~ 47% 2032 ~ 80% ~ 13X Green, Climate, Social, Livelihood & Target year for Carbon Neutrality Wholesale banking credit More water recharged in FY 24, inclusive portfolio of loan book exposure approved under than bank wide consumption in in own operati
Slide 41: ESG and CSR highlights
ESG and CSR highlights Social Initiatives – impact Financial Inclusion Impact through Our Initiatives • Impacted 1.21 lakh rural HHs with increase in income by 25+ % in 3 years across five Aspirational Districts through farm based, livestock income, entrepreneurship. • Social Protection Schemes: 2.6
Slide 42: Awards & Accolades
Awards & Accolades Received 4 prestigious Recognised at the ICC Social recognitions including ‘Best Impact Awards 2026 for our CSR & Sustainability Award Technology Bank’ (winner) at Our brand campaign impact-led initiatives: the 2026 in the Conservation of the Indian Banks’ Association’s #DropTheLa
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