Indian Bank · NSE:INDIANB
Indian Bank — Q4 FY25 Earnings Presentation
51 slides from Indian Bank's earnings presentation, May 3, 2025
Slide 1: Cover letter to stock exchanges
निवेशक सेवाएँ कक्ष INVESTOR SERVICES CELL Ref. No.: ISC/36/2025-26 Date: 03.05.2025 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 B
Slide 2: Performance Analysis Q4 / FY25
Performance Analysis Q4 / FY25
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 2/50
Slide 4: Performance Highlights Q4FY25 (YoY)
Performance Highlights Q4FY25 (YoY) 3/50
Slide 5: Performance Highlights Q4FY25
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Business Deposits Advances CASA CD Ratio Q4FY25 CASA: 5% ₹ 13.25 lakh Cr ₹ 7.37 lakh Cr ₹ 5.88 lakh Cr SB: 4% 79.79% 8.5% 7% 10% CA: 11% (QoQ) Business (YoY) RAM Retail
Slide 6: Consistent Performance
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Consistent Performance Business (₹ lakh Cr) 13.25 Profit (₹ in Cr) Net Interest Income (₹ in Cr) CRAR (%) 12.2 18998 10.9 25176 16840 23274 17.94 10.1 9.3 15271 20225 7.
Slide 7: Business Snapshot
Business Snapshot ~. 6/50
Slide 8: Business Snapshot
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Business Snapshot ₹ in Cr Domestic Deposits Sl No Parameter 31.03.2024 31.12.2024 31.03.2025 QoQ (%) YoY (%) Domestic Deposits 661826 671577 702966 1 Deposits 688000 702
Slide 9: Advances (Domestic)
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Advances (Domestic) ₹ in Cr Sector 31.03.2024 31.12.2024 31.03.2025 YoY (%) Retail 31.03.2024 31.12.2024 31.03.2025 YoY (%) Gross Advances-Domestic 498160 520224 546283
Slide 10: Priority Sector
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 31.03.25) (Excluding PSLC) (as % of ANBC) (Amount) Amount % Surpassed all the mandatory
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 31.03.2024 to Gross 31.03.2025 to Gross (%) Advances Advances Infrastructure 61254 12 55168 10.1 (
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 31.03.2024 31.12.2024 31.03.2025 (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 Standard NBFC 31.03.2024 % 31.12.2024 % 31.03.2025 % ₹ in Cr NBFC - HFCs 16393 30% 16203 27% 16116 26% Standard NBFC NBFC - PSUs 1287 3% 1822 3% 4737 8% 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 31.03.2024 31.12.2024 31.03.2025 YoY (%) Investment Portfolio 1 SLR Investments 162527 174609 178638 9.9 Of which 219342 2233
Slide 15: Financials
Financials 14/50
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 Year Ended Sl No Components 31.03.2024 31.12.2024 31.03.2025 QoQ (%) YoY (%) 31.03.2024 31.03.2025 YoY (%) 1 Interest
Slide 17: Income
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Income ₹ in Cr Quarter Ended Year Ended Sl No Components 31.03.2024 31.12.2024 31.03.2025 QoQ (%) YoY (%) 31.03.2024 31.03.2025 YoY (%) 1 Interest Income on Advances and
Slide 18: Fee Income
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Fee Income ₹ in Cr Quarter Ended Year Ended Sl No Components 31.03.2024 31.12.2024 31.03.2025 QoQ (%) YoY (%) 31.03.2024 31.03.2025 YoY (%) 1 Transaction fees 196 233 21
Slide 19: Expenses
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Expenses ₹ in Cr Quarter Ended Year Ended Sl No Components 31.03.2024 31.12.2024 31.03.2025 QoQ (%) YoY (%) 31.03.2024 31.03.2025 YoY (%) 1 Interest on deposits 8115 875
Slide 20: Overhead Expenses
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Overhead Expenses ₹ in Cr Quarter Ended Year Ended Sl No Components 31.03.2024 31.12.2024 31.03.2025 QoQ (%) YoY (%) 31.03.2024 31.03.2025 YoY (%) 1 Rent, Taxes & Lighti
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 Year Ended Sl No Components 31.03.2024 31.12.2024 31.03.2025 QoQ (%) YoY (%) 31.03.2024 31.03.2025 YoY (%) 1 Operating Prof
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 Year Ended Sl Ratios No 31.
Slide 23: Performance Ratios
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Performance Ratios % Annualized Cost of Deposits Yield on Advances Cost of Funds Yield on Funds 8.72 8.75 8.28 8.40 7.49 7.76 7.03 7.45 6.8 7.21 4.99 5.21 4.88 5.12 4.43
Slide 24: Balance Sheet
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Balance Sheet ₹ in Cr Liabilities 31.03.2024 31.12.2024 31.03.2025 Capital 1347 1347 1347 Reserves & Surplus 57041 65411 67963 Deposits 688000 702282 737154 Borrowings 2
Slide 25: Capital & Risk Management
Capital & Risk Management 24/50
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 2.09% S No Parameters 31.03.2024 31.12.2024 31.03.2025 2.41% 2.15% 0.49% 1 Common Equity Tier I (CET 1)
Slide 27: Shareholding, Ratings and Fund Raising Plan
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Shareholding as on 31.03.2025 Ratings Domestic Rating Issuer AT-I Tier-II Infrastructure Certificate Agency Rating Bond of Deposit Mutual Funds: 12.69% CRISIL - AA+/ Sta
Slide 28: Asset Quality
Asset Quality ~. 27150
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 3.95 21106 3.09 4044 0.9 18179 0.43 0.19 2223 1110 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 Year Ended Details No 31.03.2024 31.12.2024 31.03.2025 31.03.2024 31.03.2025 Fresh slippages 1 Gross NPA opening balance 22787 19
Slide 31: Sector-wise NPA
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Sector-wise NPA ₹ in Cr 31.03.2024 31.12.2024 31.03.2025 S % to % to % to Sector Gross Gross Gross No respective respective Outstanding respective NPA NPA NPA portfolio
Slide 32: NCLT and NARCL accounts
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality ₹ in Cr 31.03.2025 Category No.of Exposure Provision PCR% Accounts RBI List I 6 1223 1223 100% RBI List II 10 2829 2829 100% NCLT Accounts filed by Bank 28 1269 1269 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 31.03.2024 31.12.2024 31.03.2025 % 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 Mar'25 QE Mar'25 Outstanding as Outstanding as Addition Recovery on 31.12.2024 Upgr
Slide 35: Financial Inclusion
emer AUANAEAD Financial Inclusion 34/50 @ 1800 425 000 00 | © www.indianbank.in | Follow us on: ©) @OD
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)* Mar'24 Dec'24 Mar'25 184 190 S No FI Parameters Mar'24 Dec'24 Mar'25 157 1 BCs engaged (Nos.) 11297 13292 14667 80
Slide 37: Digital Banking & Business Network
Digital Banking & Business Network 36/50
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% 93% 87% 89% 13% 8% 11% 7% QE FY24 Mar 24 QEFY25 Mar 25 QE Mar 24 QE Mar 25 Digital Transactions Branch Transactions Digi
Slide 39: Expanding Digital Footprint – FY25
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Expanding Digital Footprint – FY25 ~1.2 Cr accounts under ~ 3X YoY growth (₹18680 Cr) ~3X YoY growth in amount ~ 4X YoY growth in amount Digital Platform in Digital Lia
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 Data Customer Fintech Cyber Security Relationship Others Governance Solutions Management • API Banking • Forex solutions •
Slide 41: Digital Banking
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Digital Banking In Cr Mobile Banking UPI Users Transactions Users Transactions 1.94 6.64 2.18 6.42 862.83 1.67 1.75 570.41 Mar-24 Mar-25 FY24 FY25 Mar-24 Mar-25 FY24 FY
Slide 42: Business Network and Footprint
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries 31.03.2025 Region-wise 5901 5268 Domestic ATMs & Processing Centres & Verticals Branches BNAs Northern 695 3 + 1 IBU (GIFT City 14667 branch) Business 143 Overseas Corr
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 31.03.25) age of staff staff Officers 25496 18223 7273 38 29% Clerks 12299 7897 4402 38 36% Sub-staff 1983 1716 26
Slide 44: ESG, Group Entities & Awards
ESG, Group Entities & Awards 43/50
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 sensors in Corporate/Head Office Rural Development: 38 RSETI Centres (INDSETIs) • Well defined policies and SOPs Prem
Slide 46: Joint Venture & Subsidiaries
Financial Joint Digital Business Regional Awards & Inclusion HRM ESG Venture & Footprint Network Rural Banks Accolades Subsidiaries Joint Venture & Subsidiaries ▪ In the business of Stock Broking & DP ▪ Incorporated on 09.02.2024 ▪ Consortium of credible Public & Private Corporate entities from Indi
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 Parameters YE YE YE YE Mar-24 Mar-25 YoY (%) Ma
Slide 48: Awards & Accolades
Joint Financial Digital Business Regional Awards & HRM ESG Venture & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Awards & Accolades EASE 6.0 Reforms Index Indian Bank honored during the Top Improver #2 and Economic Times Now Best BFSI People & HR Operations #3 Brands 2025 Conclave
Slide 49: Awards & Accolades
Joint Financial Digital Business Regional Awards & HRM ESG Venture & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Awards & Accolades IBA Annual Banking Technology Indian Bank won the 5th edition Conference, 2024 -Special Mention under of Most Trusted Brands in India Large Bank segm
Slide 50: 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 51: Thank You
Thank You