Indian Bank · NSE:INDIANB
Indian Bank — Q3 FY2026 Earnings Presentation
47 slides from Indian Bank's earnings presentation, December 2025
Slide 1: Performance Analysis Q3/NME FY26
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Slide 2: 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 2/47
Slide 3: Performance Highlights Q3FY26 (YoY)
Performance Highlights Q3FY26 (YoY)
Slide 4: Highlights Q3FY26
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Q3FY26 Business Deposits Advances CASA CD Ratio CASA : 9.86% ₹ 14.30 lakh Cr ₹ 7.91 lakh Cr ₹ 6.39 lakh Cr SB: 8.45% 80.77% 13.34% 12.62% 14.24% CA: 19.13% Business (YoY
Slide 5: Business Highlights (QoQ)
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Business Highlights (QoQ) Business ₹ lakh Cr ₹ in Cr Net Interest Income ₹ in Cr Profit 13.97 14.30 12.61 13.25 13.45 5019 5024 CRAR (%) 4749 4770 4837 6896 6415 6389 63
Slide 6: Business Snapshot
Business Snapshot
Slide 7: 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 31.12.2024 30.09.2025 31.12.2025 QoQ (%) YoY (%) Domestic Deposits 671577 741787 755240 1 Deposits 702282 776
Slide 8: Advances (Domestic): Retail, Agriculture, MSME
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Advances (Domestic) ₹ in Cr Sector 31.12.2024 30.09.2025 31.12.2025 YoY (%) Retail 31.12.2024 30.09.2025 31.12.2025 YoY (%) Gross Advances-Domestic 520224 573524 591076
Slide 9: Priority Sector
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Priority Sector Surpassed all the mandatory targets stipulated by RBI under Priority Sector advances Small & Marginal Non-Corporate Total Priority Agriculture Weaker Sec
Slide 10: 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 31.12.2024 to Gross 31.12.2025 to Gross (%) Advances Advances Infrastructure 55957 10.8 68822 11.6
Slide 11: External Rating-wise Advances
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality External Rating-wise Advances ₹ in Cr 31.12.2024 * 30.09.2025** 31.12.2025 ** External Rating Exposure % to Total Exposure % to Total Exposure % to Total Rated Exposure
Slide 12: Standard NBFC Advances
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality ₹ in Cr Standard NBFC 31.12.2024 % 30.09.2025 % 31.12.2025 % NBFC - HFCs 16203 27% 14959 27% 14490 26% Standard NBFC NBFC - PSUs 1822 3% 5723 10% 5799 10% Advances NBFC
Slide 13: Investments (Domestic)
Performance Investment Balance Capital & Risk Shareholding Asset Highlights Business Financials Sheet Management & Ratings Quality Investments (Domestic) ₹ in Cr Investment Portfolio S No Details 31.12.2024 30.09.2025 31.12.2025 YoY (%) Investment Portfolio 1 SLR Investments 174609 190801 190922 9.3
Slide 14: Financials
Financials
Slide 15: Operating Profit & Net Profit
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Operating Profit & Net Profit ₹ in Cr Quarter Ended Nine Months Ended Year Ended Sl No Components 31.12.2024 30.09.2025 31.12.2025 QoQ (%) YoY (%) 31.12.2024 31.12.2025
Slide 16: Income
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Income ₹ in Cr Quarter Ended Nine Months Ended Year Ended Sl No Components 31.12.2024 30.09.2025 31.12.2025 QoQ (%) YoY (%) 31.12.2024 31.12.2025 YoY (%) 31.03.2025 1 In
Slide 17: Fee Income
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Fee Income ₹ in Cr Quarter Ended Nine Months Ended Year Ended Sl No Components 31.12.2024 30.09.2025 31.12.2025 QoQ (%) YoY (%) 31.12.2024 31.12.2025 YoY (%) 31.03.2025
Slide 18: Expenses
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Expenses ₹ in Cr Quarter Ended Nine Months Ended Year Ended Sl No Components 31.12.2024 30.09.2025 31.12.2025 QoQ (%) YoY (%) 31.12.2024 31.12.2025 YoY (%) 31.03.2025 1
Slide 19: Overhead Expenses
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Overhead Expenses ₹ in Cr Quarter Ended Nine Months Ended Year Ended Sl No Components 31.12.2024 30.09.2025 31.12.2025 QoQ (%) YoY (%) 31.12.2024 31.12.2025 YoY (%) 31.0
Slide 20: Provisions & Net Profit
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Provisions & Net Profit ₹ in Cr Quarter Ended Nine Months Ended Year Ended Sl No Components 31.12.2024 30.09.2025 31.12.2025 QoQ (%) YoY (%) 31.12.2024 31.12.2025 YoY (%
Slide 21: Performance Ratios
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Performance Ratios % Annualized Quarter Ended Nine Months Ended Year Ended Sl No Ratios 31.12.2024 30.09.2025 31.12.2025 31.12.2024 31.12.2025 31.03.2025 1 Cost of Depos
Slide 22: 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 8.92 8.48 8.40 8.31 8.17 8.13 5.27 5.09 5.00 5.18 5.01 4.93 QE Dec24 QE S
Slide 23: Balance Sheet
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Balance Sheet ₹ in Cr Liabilities 31.12.2024 30.09.2025 31.12.2025 Capital 1347 1347 1347 Reserves & Surplus 65411 73943 76889 Deposits 702282 776946 790923 Borrowings 3
Slide 24: Capital & Risk Management
Capital & Risk Management
Slide 25: 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 2.04% S No Parameters 31.12.2024 30.09.2025 31.12.2025 2.15% 0.47% 2.04% 1 Common Equity Tier I (CET 1)
Slide 26: Shareholding Pattern & Ratings
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials & Ratings Sheet Management Quality Shareholding Pattern Ratings Mutual Funds: 13.73% Resident Individual: 2.11% Domestic Rating Issuer AT 1 Tier 2 Infrastructure Certificate of Insurance Companies: 3.98%
Slide 27: Asset Quality
Asset Quality
Slide 28: Movement of NPA
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Movement of NPA Gross NPA Net NPA ₹ in Cr ₹ in Cr 18208 16135 14268 Quarter Ended Nine Months Ended Year Ended S No Details 31.12.2024 30.09.2025 31.12.2025 31.12.2024 3
Slide 29: Sector wise NPA and Slippages
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Sector wise NPA ₹ in Cr 31.12.2024 30.09.2025 31.12.2025 S % to % to % to Sector Gross Gross Gross No respective respective Outstanding respective NPA NPA NPA portfolio
Slide 30: Covid Restructuring and NARCL/NCLT Recovery
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality 31.12.2025 ₹ in Cr Category No.of Exposure Provision PCR% Accounts S.No Position of Accounts with Indian Bank No. of A/cs Book RBI List I 6 1218 1218 100% as on 31.12.20
Slide 31: 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 31.12.2024 30.09.2025 31.12.2025 % to % to % to Sector Respective Respective Respective SMA 1 SMA 2 Total Sector SM
Slide 32: Financial Inclusion
Financial Inclusion
Slide 33: Financial Inclusion
Financial Joint Digital Business Venture & Regional Rural Awards & Inclusion Footprint HRM ESG Network Subsidiaries Banks Accolades Financial Inclusion S No FI Parameters Dec'24 Sep'25 Dec'25 1 Average Balance in PMJDY account: ₹5324 (vs ₹4918 of Industry) 1 BCs engaged (Nos.) 13292 15598 16247 2 Gr
Slide 34: Digital Banking & Business Network
Digital Banking & Business Network
Slide 35: Digital Business during NME FY26
Joint Financial Digital Business Regional Rural Awards & HRM ESG Venture & Inclusion Footprint Network Banks Accolades Subsidiaries Digital Business during NME FY26 : ₹198350 Cr ₹ in Cr 147 Digital Journeys, Utilities & Processes Digital Business Digital Assets 198350 Digital Transactions vs 171838
Slide 36: Expanding Digital Footprint – NME FY26
Joint Financial Digital Business Regional Rural Awards & HRM ESG Venture & Inclusion Footprint Network Banks Accolades Subsidiaries Expanding Digital Footprint – NME FY26 ~1.9x YoY growth ~1.2x YoY growth in amount ~2.0x YoY growth ~1.7x YoY growth ~1.8x YoY growth ~1.4x YoY growth in amount ~3.4x Y
Slide 37: 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 ✓ Comprehensive digital app for Virtual Banking Experience IndSMART Biz MSME business growth and financial management A ne
Slide 38: Digital Banking
Joint Financial Digital Business Regional Rural Awards & HRM ESG Venture & Inclusion Footprint Network Banks Accolades Subsidiaries Digital Banking In Cr Mobile Banking UPI Transactions Users Transactions Users 2.25 1.70 1.93 2.52 210.53 1.86 2.08 152.42 Dec-24 Dec-25 QE Dec 24 QE Dec 25 Dec-24 Dec-
Slide 39: Pan India Touch Points and Branch Network
Joint Financial Digital Business Regional Rural Awards & HRM ESG Venture & Inclusion Footprint Network Banks Accolades Subsidiaries 31.12.2025 Processing Centres & Verticals Pan India Touch Points: 27,837 Population group wise (Domestic) Northern Domestic Branches 5965 Rural Metro Overseas Branches
Slide 40: Manpower
Financial Joint Digital Business Regional Rural Awards & Inclusion HRM ESG Venture & Footprint Network Banks Accolades Subsidiaries Domestic Average age % of Female Total Male Female Manpower (As on 31.12.25) of staff staff Position Officers 26205 18608 7597 38 29% Clerks 12303 7824 4479 38 36% Sub-
Slide 41: ESG, Group Entities & Awards
ESG, Group Entities & Awards
Slide 42: Environmental, Social, Governance
Joint Venture Financial Digital Business ESG & Regional Rural Awards & HRM Inclusion Footprint Network Subsidiaries Banks Accolades Environmental Social Governance ▪ Rural Development: 39 RSETI Centres ▪ Installed Lighting sensors in (INDSETIs) trained 28552 candidates through ▪ Bank has ranked 4th
Slide 43: Joint Venture, Subsidiary and Wholly Owned Subsidiary
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 44: 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 Puduvai Bharathiar Grama Bank Total Parameters Nine Months Ended Nine Months Ended Nine Months Ended FY25 FY25 FY25 D
Slide 45: Awards 2025
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Bank won Prestigious SKOCH Golden CEO of the Year at TN Business Leader of VMware – India Cloud Leader Award 2025 Award for IB SAATHI & SKOCH Silver the Year – Industry
Slide 46: 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 several risks, uncer
Slide 47: Thank You
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