Indian Bank · NSE:INDIANB
Indian Bank — Q2 FY2026 Earnings Presentation
48 slides from Indian Bank's earnings presentation, Oct 16, 2025
Slide 1: Exchange covering letter for results presentation
निवेशक सेवाएँ कक्ष INVESTOR SERVICES CELL Ref. No.: ISC/162/2025-26 Date: 16.10.2025 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
Slide 2: Indian Bank Performance Analysis Q2/H1 FY26
InD: sfuaada & Indian Bank Performance Analysis Q2/H1 FY26 IB Prepaid Cards (Smart. Safe. Seamless) IndSMART Biz Smart Business ‘ » A IND Flexi RD - NRE £1 y N & IND a oxie RD- OOD
Slide 3: 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 4: Performance Highlights
Performance Highlights Q2FY26 (YoY)
Slide 5: Highlights Q2FY26 (YoY)
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Q2FY26 Business Deposits Advances CASA CD Ratio CASA : 7.23% ₹ 13.97 lakh Cr ₹ 7.77 lakh Cr ₹ 6.20 lakh Cr SB: 6.59% 79.84% 12.34% 12.09% 12.65% CA: 11.40% Business RAM
Slide 6: Performance Highlights Business (QoQ)
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Business Highlights (QoQ) Business (₹ lakh Cr) Profit (₹ in Cr) CRAR (%) Net Interest Income (₹ in Cr) 13.97 13.25 13.45 5019 4837 6415 6551 12.44 12.61 4728 4749 4770 6
Slide 7: Business Snapshot
Business Snapshot \4
Slide 8: 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 30.09.2024 30.06.2025 30.09.2025 QoQ (%) YoY (%) Domestic Deposits 664291 709750 741787 1 Deposits 693115 744
Slide 9: Advances (Domestic): Agriculture, Retail, MSME
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Advances (Domestic) ₹ in Cr Sector 30.09.2024 30.06.2025 30.09.2025 YoY (%) Retail 30.09.2024 30.06.2025 30.09.2025 YoY (%) Gross Advances-Domestic 513318 555881 573524
Slide 10: Priority Sector and Self Help Groups
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 30.09.25) (Excluding PSLC) (as % of ANBC) (Amount) Amount % Surpassed all the Priority
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 Sector 30.09.2024 to Gross 30.09.2025 to Gross YoY (%) Advances Advances Infrastructure 58489 11 63720 11.1 8
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 30.09.2024 30.06.2025* 30.09.2025* External Rating Exposure % to Total Exposure % to Total Exposure % to Total Rated Exposure AAA 4
Slide 13: Standard NBFC Advances
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality ₹ in Cr Standard NBFC 30.09.2024 % 31.03.2025 % 30.06.2025 % 30.09.2025 % Standard NBFC NBFC - HFCs 11328 19% 16116 26% 15642 28% 14959 27% Advances NBFC - PSUs 6780 11%
Slide 14: Investments (Domestic)
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Investments (Domestic) ₹ in Cr Investment Portfolio S No Details 30.09.2024 30.06.2025 30.09.2025 YoY (%) 231604 234159 1 SLR Investments 169702 187656 190801 12.43 2152
Slide 15: Financials
Financials
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 Half Year Ended Year Ended Sl No Components 30.09.2024 30.06.2025 30.09.2025 QoQ (%) YoY (%) 30.09.2024 30.09.2025 Yo
Slide 17: Income
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Income ₹ in Cr Quarter Ended Half Year Ended Year Ended Sl No Components 30.09.2024 30.06.2025 30.09.2025 QoQ (%) YoY (%) 30.09.2024 30.09.2025 YoY (%) 31.03.2025 1 Inte
Slide 18: Fee Income
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Fee Income ₹ in Cr Quarter Ended Half Year Ended Year Ended Sl No Components 30.09.2024 30.06.2025 30.09.2025 QoQ (%) YoY (%) 30.09.2024 30.09.2025 YoY (%) 31.03.2025 1
Slide 19: Expenses
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Expenses ₹ in Cr Quarter Ended Half Year Ended Year Ended Sl No Components 30.09.2024 30.06.2025 30.09.2025 QoQ (%) YoY (%) 30.09.2024 30.09.2025 YoY (%) 31.03.2025 1 In
Slide 20: Overhead Expenses
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Overhead Expenses ₹ in Cr Quarter Ended Half Year Ended Year Ended Sl No Components 30.09.2024 30.06.2025 30.09.2025 QoQ (%) YoY (%) 30.09.2024 30.09.2025 YoY (%) 31.03.
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 Half Year Ended Year Ended Sl No Components 30.09.2024 30.06.2025 30.09.2025 QoQ (%) YoY (%) 30.09.2024 30.09.2025 YoY (%)
Slide 22: Performance Ratios
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Performance Ratios % Annualized Quarter Ended Half Year Ended Year Ended Sl No Ratios 30.09.2024 30.06.2025 30.09.2025 30.09.2024 30.09.2025 31.03.2025 1 Cost of Deposit
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 8.77 8.58 8.40 8.27 8.17 8.40 5.22 5.23 5.09 5.13 5.14 5.01 QE Sep24 QE J
Slide 24: Balance Sheet
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Balance Sheet ₹ in Cr Liabilities 30.09.2024 30.06.2025 30.09.2025 Capital 1347 1347 1347 Reserves & Surplus 62754 71327 73943 Deposits 693115 744289 776946 Borrowings 3
Slide 25: Capital & Risk Management
Capital & Risk Management mm.
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 S No Parameters 30.09.2024 30.06.2025 30.09.2025 2.06% 2.04% 1 Common Equity Tier I (CET 1) 53560 63377
Slide 27: Shareholding Pattern and Ratings
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Shareholding as on 30.09.2025 Ratings Domestic Mutual Funds: 14.37% Rating Issuer AT 1 Tier 2 Infrastructure Certificate Agency Rating Bond of Deposit Resident Individua
Slide 28: Asset Quality
Asset Quality
Slide 29: Movement of NPA
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Movement of NPA ₹ in Cr Gross NPA Net NPA ₹ in Cr Quarter Ended Half Year Ended Year Ended S No Details 30.09.2024 30.06.2025 30.09.2025 30.09.2024 30.09.2025 31.03.2025
Slide 30: Sector-wise NPA and Slippages
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Sector-wise NPA ₹ in Cr 30.09.2024 30.06.2025 30.09.2025 S % to % to % to Sector Gross Gross Gross No respective respective Outstanding respective NPA NPA NPA portfolio
Slide 31: NCLT and NARCL Accounts, Recovery
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality 30.09.2025 ₹ in Cr Category No.of Exposure Provision PCR% Accounts RBI List I 6 1217 1217 100% S.No Position of Accounts with Indian Bank No. of Book RBI List II 10 2824
Slide 32: 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 30.09.2024 30.06.2025 30.09.2025 % to % to % to Respective Respective Respective Sector SMA 1 SMA 2 Total Sector SM
Slide 33: Financial Inclusion
Financial Inclusion \"
Slide 34: Financial Inclusion
Financial Joint Digital Business Venture & Regional Awards & Inclusion Footprint HRM ESG Network Subsidiaries Rural Banks Accolades Financial Inclusion 1 S No FI Parameters Sep'24 Jun'25 Sep'25 Average Balance in PMJDY account: ₹5018 (vs ₹4731 of Industry) 1 BCs engaged (Nos.) 12993 15080 15598 2 PM
Slide 35: Digital Banking & Business Network
Digital Banking & Business Network
Slide 36: Digital Transactions vs Manual Transactions
Joint Financial Digital Business Regional Awards & HRM ESG Venture & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Digital Transactions vs Manual Transactions 92% 94% 8% 6% QEQ2FY25 Sep 24 Q2FY26 Digital Transactions Branch Transactions 35/47
Slide 37: Expanding Digital Footprint – Q2FY26
Joint Financial Digital Business Regional Awards & HRM ESG Venture & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Expanding Digital Footprint – Q2FY26 ₹1.24 lakh Cr of Business under ~1.3x YoY growth (₹4623 Cr) in ~2.2x YoY growth in amount ~2.1x YoY growth in amount Digital Platfo
Slide 38: Major IT Infrastructure & Digital Initiatives
Joint Financial Digital Business Regional Awards & HRM ESG Venture & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Major IT Infrastructure & Digital Initiatives Agentic AI Next Gen Fintech Partnership VBX Private Cloud based Collections Contact Centre Empaneled 168 Fintech A new way
Slide 39: Digital Banking
Joint Financial Digital Business Regional Awards & HRM ESG Venture & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Digital Banking In Cr Mobile Banking UPI Users Transactions Users Transactions 1.96 2.41 193.29 2.11 1.76 1.81 1.95 137.72 QE Sep 24 QE Sep 25 Sep-24 Sep-25 QE Sep 24 Q
Slide 40: Business Network: Branches, ATMs, Correspondents
Joint Financial Digital Business Regional Awards & HRM ESG Venture & Inclusion Footprint Network Rural Banks Accolades Subsidiaries 30.09.2025 Processing Centres & Verticals Pan India Touch Points: 27,119 Population group wise (Domestic) 100 Domestic Branches 5955 RACs Northern Overseas Branches 3+1
Slide 41: Manpower and HR Initiatives
Financial Joint Digital Business Regional Awards & Inclusion HRM ESG Venture & Footprint Network Rural Banks Accolades Subsidiaries Domestic Average age % of Female Total Male Female (As on 30.09.25) of staff staff Manpower Position Officers 26306 18689 7617 38 29 Clerks 12411 7896 4515 38 36 Sub-st
Slide 42: ESG, Group Entities & Awards
ESG, Group Entities & Awards ~~, @ 18001700 | @ www.indianbank.bank.in | Follow us on: ) YQ © @
Slide 43: Environmental, Social and Governance
Joint Financial Digital Business Venture & Regional Awards & HRM ESG Inclusion Footprint Network Subsidiaries Rural Banks Accolades ▪ Installed Lighting sensors in Corporate/Head Office Premises Environmental ▪ LED Light fittings installed in all Branches/ Offices for Energy Conservation Social ▪ Im
Slide 44: Joint Venture and Subsidiaries
Financial Joint Digital Business Regional Awards & Inclusion HRM ESG Venture & Footprint Network Rural Banks Accolades Subsidiaries Joint Venture Subsidiary Wholly Owned Subsidiary ▪ In the business of Stock Broking & DP ▪ Incorporated on 09.02.2024 ▪ Consortium of credible Public & Private Corporat
Slide 45: 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 Puduvai Bharathiar Grama Bank Total Parameters HYE HYE HYE FY25 FY25 FY25 Sep-24 Sep-25 YoY (%) Sep-24 Sep-25 YoY (%)
Slide 46: Awards & Accolades
Joint Financial Digital Business Regional Awards & HRM ESG Venture & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Cloud Leader Award Indian Bank Honored with 3rd Prize of by VMware – India 2025 Rajbhasha Kirti Award 2025 DSIJ’s 2025 CFO Award in Bank (Large Cap) Awards & Accolades
Slide 47: 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 48: Thank You
Thank You