Indusind Bank Ltd. · NSE:INDUSINDBK
Indusind Bank — Q1 FY26 Earnings Presentation
46 slides from Indusind Bank's earnings presentation, Jul 28, 2025
Slide 1: Exchange filing letter for Investor Presentation
July 28, 2025 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, 2025 Ref.: Re
Slide 2: Investor Presentation Q1-FY26
Investor Presentation Q1-FY26 | JUNE 2025 JULY 28, 2025
Slide 3: IndusInd Bank at a Glance
IndusInd Bank at a Glance 5th Largest Private Bank ₹ 3,33,694 crs ₹ 3,97,144 crs 42 mn 7,211 with Disproportionately Loans Deposits Customers Group Network Large Distribution Network Diversified Across Products and Geographies` Across Segments Pan India Universal Banking Approach 60:40 Loan Mix 31%
Slide 4: Key Financial Highlights for Q1 FY26
Key Financial Highlights for Q1 FY26 Loans Deposits CASA Term Deposits Total Assets Balance ₹ 3,33,694 crs ₹ 3,97,144 crs ₹ 1,25,006 crs ₹ 2,72,138 crs ₹ 5,39,552 crs Sheet (4)% YoY (3)% QoQ - YoY (3)% QoQ (14)% YoY (7)% QoQ 8% YoY (1)% QoQ 2% YoY (3)% QoQ Net Interest Income Total Other Income Reve
Slide 5: Consolidated Balance Sheet
Consolidated Balance Sheet ₹ crs Q1FY26 Q1FY25 Y-o-Y (%) Q4FY25 Q-o-Q (%) Capital & Liabilities Capital 779 779 - 779 - Reserves and Surplus 64,736 64,799 - 64,057 1% Deposits 3,97,144 3,98,513 - 4,10,862 (3)% Borrowings 52,203 44,169 18% 53,704 (3)% Other Liabilities and Provisions 24,690 21,905 13
Slide 6: Consolidated Profit and Loss Account – Q1 FY26
Consolidated Profit and Loss Account – Q1 FY26 ₹ Crore Q1FY26 Q1FY25 Y-o-Y (%) Q4FY25 Q-o-Q (%) Net Interest Income 4,640 5,408 (14)% 3,048 52% Other Income 2,157 2,441 (12)% 709 204% Total Income 6,797 7,849 (13)% 3,757 81% Operating Expenses 4,229 3,897 9% 4,248 - Operating Profit 2,568 3,952 (35)
Slide 7: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 8: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 9: Well Diversified Loan Book across Consumer and Corporate Products
Well Diversified Loan Book across Consumer and Corporate Products Loan Book Mix (₹ crs) (₹ crs) 3,47,898 3,57,159 3,66,889 3,45,019 3,33,694 Consumer Banking June-25 % Vehicle Finance 96,357 29% 40% Commercial Vehicle 35,986 11% 44% 45% 47% 46% PV 30,126 9% Small CV 4,366 1% 56% 55% 53% 54% 60% Two-
Slide 10: Vehicle Finance: Granular Portfolio Across Vehicle Categories
Vehicle Finance: Granular Portfolio Across Vehicle Categories Overview of Vehicle Finance Division Diversified Vehicle Loan Book across Vehicle Categories (%) Small CV Two Wheelers 5% 5% Market Leader Tractor 35+ Years of Vintage Focus on Business 8% in Most Products CV Across Credit Cycles Owner Se
Slide 11: Micro Loans: Bridging the Financial Inclusion Gap
Micro Loans: Bridging the Financial Inclusion Gap Micro Loan Book (₹ crs)* 37,046 32,723 32,564 30,909 28,408 2nd Largest 12 mn 1.64K Villages (23)% YoY Micro Finance BFIL Customers covered across 22 Lender States (8)% QoQ Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Average Loan Outstanding per Borrower
Slide 12: Micro Loans: Additional Disclosures (1/2)
Micro Loans: Additional Disclosures (1/2) Cumulative 15M ending Jun-25 Q1 FY26 Up to 6 M 61% Up to 6 M 6-12 M 64% 6-12 M 5% 4% of Disbursements 3% 2% 12-24 M of Disbursements 12-24 M Towards Centers 11% Towards Centers 10% with >5 Years Vintage 24-36 M with >5 Years Vintage 24-36 M 8% Disbursements
Slide 13: 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% 99.4%99.3%99.3% 99.5%99.5% 99.1% 99.5% 99.1% 99.
Slide 14: Corporate Portfolio – Focus on Granular, Higher Rated Customers
Corporate Portfolio – Focus on Granular, Higher Rated Customers Corporate Loan Book (₹ crs) Improving Risk Profile * BB+ & Below BBB-, BBB, BBB+ A-, A, A+ AA-, AA, AA+ AAA 1,66,118 1,70,236 1,57,273 1,43,463 24% 23% 20% 18% 1,32,421 (16)% YoY 29% 29% 30% 30% (8)% QoQ 25% 26% 28% 29% 19% 18% 20% 20%
Slide 15: Non-Vehicle Retail Loans – Risk Calibrated Growth Strategy
Non-Vehicle Retail Loans – Risk Calibrated Growth Strategy Business Banking (₹ crs) Loan Against Property (₹ crs) 12,387 12,481 17,769 18,232 17,973 11,986 17,499 11,401 16,683 11,169 8% YoY 12% YoY (1)% QoQ 1% QoQ Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Credit Cards (₹
Slide 16: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 17: Deposit Strategy Driven by Granular Retail Deposits
Deposit Strategy Driven by Granular Retail Deposits Deposits (₹ crs) Retail Deposits as per LCR (₹ crs)* Retail Deposits Share of Retail Deposits (%) 44% 44% 46% 45% 46% 4,12,397 4,09,438 4,10,862 3,98,513 3,97,144 6% YoY - YoY - QoQ (3)% QoQ 1,74,245 1,81,911 1,88,731 1,85,180 1,84,634 Q1 FY25 Q2 F
Slide 18: Healthy Share of CASA; Strong Liquidity Profile
Healthy Share of CASA; Strong Liquidity Profile CASA (₹ crs) CA (₹ crs) CASA Share of CASA % CA Share of CA % 37% 36% 35% 33% 10% 9% 31% 12% 13% 11% 1,46,134 1,47,944 1,42,818 52,606 1,34,789 48,475 1,25,006 45,872 40,764 (7)% YoY 33,892 (30)% YoY (14)% QoQ (17)% QoQ Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25
Slide 19: Borrowings Constituted by Long Term Sources
Borrowings Constituted by Long Term Sources Borrowings (₹ crs) Borrowings Mix (%) Short-Term FCY Short-Term (less than 12 Infrastructure InterBank Borrowings (₹ Cr) % of Total Liabilities Tier 2 Bonds months) Bonds 5% 5% 1% 3% 8% 8% 9% 10% 10% Long-Term FCY 26% 53,704 52,203 50,087 44,169 44,716 Ref
Slide 20: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 21: Strong Product Groups with Efficient Capital Deployment
Strong Product Groups with Efficient Capital Deployment Low RWA Consumption (₹ crs) LC-BG Mix Notional Amount Risk Weighted Assets LC - Usance ▪ One of the largest treasuries 13% LC - Sight in Indian banks with best-in- 4% class risk management 12,01,493 Financial Guarantees 44% systems ▪ Robust fra
Slide 22: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 23: Yield / Cost Movement
Yield / Cost Movement Yield on Assets Yield on Advances 11.62% Cost of Deposits Cost of Funds 9.15% 9.45% 7.85% 6.44% 6.50% 5.69% 5.60% Q1FY26 Q4FY25 Segment-wise Yield: Q1 FY26 Q4 FY25 Outstanding (₹ crs) Yield (%) Outstanding (₹ crs) Yield (%) Corporate Banking 1,32,421 8.44% 1,43,463 8.07% Consum
Slide 24: Diversified Fee and Other Income Streams
Diversified Fee and Other Income Streams ₹ crs Q1FY26 Q1FY25 Y-o-Y(%) Q4FY25 Q-o-Q(%) Trade and Remittances 222 268 (17)% 255 (13)% Foreign Exchange Income 149 205 (27)% 242 (38)% Cards and Distribution Fees 296 659 (55)% 1,220 (76)% General Banking Fees 314 600 (48)% 52 504% Loan Processing Fees 54
Slide 25: Key Financial Indicators
Key Financial Indicators Net Interest Margin (%) Total Fee to Asset Ratio (%) 1.9% 4.25% 1.8% 4.08% 3.93% 1.7% 1.6% 3.46% 2.25% 0.5% Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Cost to Income Ratio (%) Operating Profit Margin (%) % of Average Loans % of Average As
Slide 26: Key Financial Indicators
Key Financial Indicators Return on Assets* (%) Return on Equity* (%) 13.52% 1.70% 1.00% 1.03% 8.11% 8.45% 0.45% 3.71% -1.74% -14.12% Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Earning Per Share * (₹) Net Worth (₹ crs) 111.5 63,888 65,102 63,815 62,532 62,961 68.4
Slide 27: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 28: Movement in Non-Performing Assets
Movement in Non-Performing Assets Q1FY26 Q4FY25 ₹ crs Corporate Consumer Total Corporate Consumer Total Opening Balance 2,613 8,434 11,046 2,491 5,884 8,375 Fresh Additions 245 2,322 2,567 220 4,794 5,014 Deductions 198 935 1,133 98 2,245 2,343 -Write-offs 122 542 664 6 1,810 1,816 -Upgrades 72 158
Slide 29: NPA Composition – Consumer Banking
NPA Composition – Consumer Banking (₹ crs) Micro Q1 FY26 CV CE Small CV TW PV Tractor BBG/LAP Cards Others Total Loans Gross NPA 678 157 110 569 221 361 1,004 391 5,298 1,032 9,821 Gross NPA % 1.88% 1.20% 2.50% 10.21% 0.73% 4.67% 3.24% 3.50% 16.39% 2.88% 4.74% Micro Q4 FY25 CV CE Small CV TW PV Trac
Slide 30: Loan Related Provisions held as on June 30, 2025
Loan Related Provisions held as on June 30, 2025 ▪ Specific provision of ₹ 8,689 crs for non-performing accounts (towards PCR) ▪ Floating provisions of ₹ 70 crs (towards PCR) ▪ Standard asset provisions of ₹ 1,714 crs including restructured ▪ Provision Coverage Ratio at 70% and total loan related pr
Slide 31: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 32: Healthy Capital Adequacy
Healthy Capital Adequacy CET1 Ratio (%) Capital Adequacy 16.15% 15.21% 15.18% 15.10% 15.48% ₹ crs 30 June 25 31 Mar 25 Credit Risk, CVA and UFCE 3,50,535 3,59,224 Market Risk 6,778 7,813 Operational Risk 52,498 52,498 Total Risk Weighted Assets 4,09,810 4,19,535 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Co
Slide 33: Shareholding Pattern and Credit Ratings
Shareholding Pattern and Credit Ratings Diversified Shareholding Credit Ratings Domestic Rating: NRIs/ Director/ GDR issue ▪ CARE A1+ for Certificate of Deposits Others 4.64% Promoters 2.12% 15.08% ▪ CRISIL A1+ for certificate of deposit program / short term FD Individuals programme 9.62% ▪ CRISIL A
Slide 34: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 35: Disproportionately Large Distribution Network with Unparalleled Rural Presence
Disproportionately Large Distribution Network with Unparalleled Rural Presence Distribution Network with Deep Rural Presence Strengthening Distribution Infrastructure June 30, Sep 30, Dec 31, Mar 31, June 30, Particulars 2024 2024 2024 2025 2025 ~42 mn ~1,64,000 Branches/Banking Outlets 3,013 3,040
Slide 36: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 37: Direct Digital Business continued to scale across business lines
Direct Digital Business continued to scale across business lines Q1FY’25 DIY OSMOS SA (<2 Cr) up Q1FY’25 Growth of 68% QoQ Q1FY’25 YoY Growth of 6% in DIY Q1FY’25 11% growth in MF Buy 16% YoY in number of DIY SA opened FD ENR Orders QoQ (Digital DIY) Liabilities and MF Digitally acquired SA Indexed
Slide 38: Flagship mobile app INDIE continued to show strong traction QoQ
IndusInd Bank’s flagship mobile app INDIE continued to show strong traction QoQ INDIE app led business growing strongly QoQ across lines of businesses (Indexed Numbers) FD Bookings (Rs Cr) via INDIE New Savings Accounts opened app up 220% QoQ via INDIE app up 292% QoQ FD Bookings via INDIE app - Rs
Slide 39: INDIE for Business continued to show strong traction QoQ
IndusInd Bank’s flagship mobile app for MSME INDIE for Business continued to show strong traction QoQ INDIE for Business app led payments showing strong growth QoQ (Indexed Numbers) Tax Payment transactions (by Bill Payment transactions (by volume) up 6X QoQ volume) up 57% QoQ Bill Payment Txns (Vol
Slide 40: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 41: ESG highlights for Q1 of FY26
ESG highlights for Q1 of FY26 Water Positivity NSE ESG Rating ESMS Risk Evaluation ESMS As per an independent third-party The Bank was given an overall As per the Board approved ESMS assessment, the total water ESG rating of 61/100 by NSE policy, all proposals over Rs. 30 recharged by the multiple c
Slide 42: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Heathy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Netw
Slide 43: Board of Directors with Diverse Expertise
Board of Directors with Diverse Expertise Name Nature of Directorship Special Knowledge /Expertise Prior Experience Mr. Sunil Mehta has over forty years of proven leadership experience in banking, financial services, insurance and investments with leading global and domestic financial institutions.
Slide 44: Experienced and Well-knit Management Team
Experienced and Well-knit Management Team Name Designation Exp (Yrs) Prior Experience Head - Corporate, Commercial, Rural & Inclusive Mr. Sanjeev Anand 32+ Head – Commercial Banking, ABN AMRO Bank (India) Banking Head – HR, ICICI Lombard General Insurance Company Limited, was at a senior position at
Slide 45: Awards & Accolades
Awards & Accolades IndusInd Bank was awarded Best Innovation IndusInd Bank was awarded at the Digital Our Bank has emerged as a winner in Infosys In User Experience of the Year at the India Payments Award Ceremony 2023-24 in the Finacle Innovation Awards for Corporate Banking Summit 2025, organized
Slide 46: 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