Indusind Bank Ltd. · NSE:INDUSINDBK
Indusind Bank — Q2 FY26 Earnings Presentation
45 slides from Indusind Bank's earnings presentation, Oct 18, 2025
Slide 1: Regulation 30 intimation to stock exchanges
October 18, 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 and half year ended Septe
Slide 2: Investor Presentation Q2-FY26
Investor Presentation Q2-FY26 | SEPTEMBER 2025 October 18, 2025
Slide 3: IndusInd Bank at a Glance
IndusInd Bank at a Glance 5th Largest Private Bank ₹ 3,25,881 crs ₹ 3,89,600 crs 42 mn 7,151 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 Q2 FY26
Key Financial Highlights for Q2 FY26 Loans Deposits CASA Term Deposits Total Assets Balance ₹ 3,25,881 crs ₹ 3,89,600 crs ₹ 1,19,771 crs ₹ 2,69,829 crs ₹ 5,27,490 crs Sheet (9)% YoY (2)% QoQ (6)% YoY (2)% QoQ (19)% YoY (4)% QoQ 2% YoY (1)% QoQ (3)% YoY (2)% QoQ Net Interest Income Total Other Income
Slide 5: Consolidated Balance Sheet
Consolidated Balance Sheet ₹ crs Q2FY26 Q2FY25 Y-o-Y (%) Q1FY26 Q-o-Q (%) Capital & Liabilities Capital 779 779 - 779 - Reserves and Surplus 64,279 64,923 (1)% 64,736 (1)% Deposits 3,89,600 4,12,397 (6)% 3,97,144 (2)% Borrowings 45,350 44,716 1% 52,203 (13)% Other Liabilities and Provisions 27,482 2
Slide 6: Consolidated Profit and Loss Account – Q2 FY26 and H1 FY26
Consolidated Profit and Loss Account – Q2 FY26 and H1 FY 26 ₹ Crore Q2FY26 Q2FY25 Y-o-Y (%) Q1FY26 Q-o-Q (%) H1 FY26 H1 FY25 Y-o-Y (%) Net Interest Income 4,409 5,347 (18)% 4,640 (5)% 9,049 10,755 (16)% Other Income 1,651 2,185 (24)% 2,157 (23)% 3,808 4,627 (18)% Total Income 6,060 7,532 (20)% 6,797
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) 3,57,159 3,66,889 3,45,019 3,33,694 3,25,881 Consumer Banking Sep-25 % Vehicle Finance 96,208 29% Commercial Vehicle 35,880 11% 47% 46% 42% 40% 40% PV 30,490 9% Small CV 4,424 1% 53% 54% 58% 60% 60% Two-W
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 (%) Two Wheelers Small CV 5% 5% Tractor Market Leader 8% CV 35+ Years of Vintage Focus on Business in Most Products 37% Across Credit Cycles Owne
Slide 11: Micro Loans: Bridging the Financial Inclusion Gap
Micro Loans: Bridging the Financial Inclusion Gap Micro Loan Book (₹ crs)* 32,723 32,564 30,909 28,408 21,321 2nd Largest 12 mn 1.64K Villages (35)% YoY Micro Finance BFIL Customers covered across 22 Lender States (25)% QoQ Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Average Loan Outstanding per Borrowe
Slide 12: Micro Loans: Additional Disclosures (1/2)
Micro Loans: Additional Disclosures (1/2) Cumulative 18M ending Sep-25 Q2 FY26 Up to 6 M 6-12 M 61% Up to 6 M 69% 6-12 M 12-24 M 5% 4% of Disbursements 1% 2% of Disbursements 12-24 M 7% Towards Centers 24-36 M Towards Centers 10% 8% with >5 Years Vintage with >5 Years Vintage 24-36 M 36-48 M 9% 9% D
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 1,43,463 1,32,422 1,31,121 (21)% YoY 18% 18% 23% 20% (1)% QoQ 29% 29% 30% 30% 26% 28% 29% 29% 19% 20% 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 12,581 17,769 18,232 17,973 18,195 11,986 17,499 11,401 4% YoY 10% YoY 1% QoQ 1% QoQ Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Credit Cards (₹ c
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 (%) 4,12,397 4,09,438 4,10,862 44% 46% 45% 46% 47% 3,97,144 3,89,600 1% YoY (6)% YoY 1,81,911 1,88,731 - QoQ (2)% QoQ 1,85,180 1,84,634 1,84,144 Q2 FY25 Q
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 % 36% 35% 33% 31% 8% 31% 13% 11% 10% 9% 1,47,944 1,42,818 1,34,789 52,606 1,25,006 1,19,771 45,872 (19)% YoY 40,764 33,892 31,916 (39)% YoY (4)% QoQ (6)% QoQ Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2
Slide 19: Borrowings Constituted by Long Term Sources
Borrowings Constituted by Long Term Sources Borrowings (₹ crs) Borrowings Mix (%) Infrastructure Bonds Short-Term Borrowings (₹ Cr) % of Total Liabilities Tier 2 Bonds 3% InterBank 6% 5% Long-Term FCY 25% 8% 9% 10% 10% 9% 53,704 52,203 50,087 45,350 44,716 Refinance from Development Finance Institut
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 12% in Indian banks with best-in- LC - Sight 5% class risk management Financial Guarantees 13,28,051 43% 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 11.23% 11.62% Cost of Deposits Cost of Funds 8.75% 9.15% 6.23% 6.44% 5.43% 5.69% Q2FY26 Q1FY26 Segment-wise Yield: Q2 FY26 Q1 FY26 Outstanding (₹ crs) Yield (%) Outstanding (₹ crs) Yield (%) Corporate Banking 1,31,121 7.84% 1,32,421 8.44% Consu
Slide 24: Diversified Fee and Other Income Streams
Diversified Fee and Other Income Streams ₹ crs Q2FY26 Q2FY25 Y-o-Y(%) Q1FY26 Q-o-Q(%) Trade and Remittances 204 250 (18)% 222 (8)% Foreign Exchange Income 138 256 (46)% 149 (8)% Cards and Distribution Fees 326 593 (45)% 296 10% General Banking Fees 346 461 (25)% 314 10% Loan Processing Fees 515 541
Slide 25: Key Financial Indicators
Key Financial Indicators Net Interest Margin (%) Total Fee to Asset Ratio (%) 4.08% 3.93% 1.8% 1.7% 1.6% 3.46% 3.32% 1.3% 2.25% 0.5% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 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* (%) 8.11% 8.45% 1.00% 1.03% 0.45% 3.71% -0.33% -2.68% -1.74% -14.12% Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Earning Per Share * (₹) Net Worth (₹ crs) 63,888 65,102 62,532 62,961 62,524 68.4 72.0
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 Q2FY26 Q1FY26 ₹ crs Corporate Consumer Total Corporate Consumer Total Opening Balance 2,660 9,821 12,481 2,613 8,434 11,046 Fresh Additions 64 2,473 2,537 245 2,322 2,567 Deductions 62 2,898 2,960 198 935 1,133 -Write-offs 10 2,507 2,517 122 542 664 -Upgrades 32 167
Slide 29: NPA Composition – Consumer Banking
NPA Composition – Consumer Banking (₹ crs) Micro Q2 FY26 CV CE Small CV TW PV Tractor BBG/LAP Cards Others Total Loans Gross NPA 828 199 121 615 277 411 1,061 386 4,735 763 9,396 Gross NPA % 2.29% 1.53% 2.70% 11.61% 0.91% 5.38% 3.39% 3.56% 18.81% 2.10% 4.68% Micro Q1 FY26 CV CE Small CV TW PV Tracto
Slide 30: Loan Related Provisions held as on September 30, 2025
Loan Related Provisions held as on September 30, 2025 ▪ Specific provision of ₹ 8,588 crs for non-performing accounts (towards PCR) ▪ Floating provisions of ₹ 70 crs (towards PCR) ▪ Standard asset provisions of ₹ 1,786 crs including restructured ▪ Provision Coverage Ratio at 72% and total loan relat
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 15.48% 15.88% 15.21% 15.18% 15.10% ₹ crs 30 Sept 25 30 June 25 Credit Risk, CVA and UFCE 3,37,801 3,50,535 Market Risk 7,957 6,778 Operational Risk 52,498 52,498 Total Risk Weighted Assets 3,98,256 4,09,810 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 C
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% 2.02% Promoters ▪ CRISIL A1+ for certificate of deposit program / short term FD 15.08% Individuals programme 10.77% ▪ CRISIL
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 Sep 30, Dec 31, Mar 31, June 30, Sep 30, Particulars 2024 2024 2025 2025 2025 ~42 mn ~1,64,000 Branches/Banking Outlets 3,040 3,063 3
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: Digital Business Update (Q2 FY26): Strong growth momentum
Digital Business Update (Q2 FY 26): Strong growth momentum continued across metrics Digital DIY Asset Balance Sheet grew 41% YoY; ~1L clients acquired digitally each month at lower CAC and better efficiency 11% YoY growth in Digital DIY 41% YoY growth in Digital DIY ~90-100,000 clients acquired digi
Slide 38: Digital Business Update (Q2 FY26): INDIE growth
Digital Business Update (Q2 FY 26): Strong growth momentum continued across metrics INDIE MAU up 39% QoQ and INDIE for Business MAU up 122% QoQ INDIE INDIE for Business MSME clients Individual clients 4.7 5 Mn registered on INDIE 4.4 App Rating 2.3L registered on INDIE 4.4 4.5 for Business 39% QoQ g
Slide 39: 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 40: ESG highlights for Q2 of FY26
ESG highlights for Q2 of FY26 CRISIL ESG ESG Risk AI The Banks ESG rating by CRISIL IndusInd Bank was given an ESG ESG has been revised to 61/100, score of 62/100, resulting in a maintaining its “Strong” Strong rating by SEBI registered categorization by the SEBI ERP, Risk AI. registered ERP.
Slide 41: 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 42: 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 Non-Executive financial
Slide 43: Experienced and Well-knit Management Team
Experienced and Well-knit Management Team Name Designation Exp (Yrs) Prior Experience Mr. Rajiv Anand Managing Director & CEO 35+ Deputy Managing Director at Axis Bank, Managing Director & CEO of Axis Asset Management Co Head - Corporate, Commercial, Rural & Inclusive Mr. Sanjeev Anand 32+ Head – Co
Slide 44: Awards & Accolades
Awards & Accolades IndusInd Bank’s Paris 2024 Paralympic Games campaign – #HarKadamJeetKa IndusInd Bank’s business app ‘INDIE has been recognized for its innovation, For Business’ secured a Gold for impact, and effectiveness at Pitch BFSI Digital transformation at SKOCH Marketing Awards 2025, in the
Slide 45: 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