Indian Bank · NSE:INDIANB
Indian Bank — Q1 FY2027 Earnings Presentation
49 slides from Indian Bank's earnings presentation, Jul 10, 2026
Slide 1: Presentation on Q1 FY2026-27 Financial Results (exchange cover letter)
निवेशक सेवाएँ कक्ष INVESTOR SERVICES CELL Ref. No.: ISC/135/2026-27 Date: 10.07.2026 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: Performance Analysis Q1FY27
Performance Analysis Q1FY27 IB Digital Rupee FCNR (B) – Wealth (CBDC) Ind MSME Digi
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 2/48
Slide 4: Performance Highlights Q1FY27 (YoY)
Performance Highlights Q1FY27 (YoY)
Slide 5: Highlights Q1FY27 (YoY)
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Q1FY27 Business Deposits Advances CASA CD Ratio CASA : 15.30% ₹ 6.85 lakh Cr ₹ 15.29 lakh Cr ₹ 8.44 lakh Cr SB: 13.54% 81.06% 13.66% 13.47% 13.89% CA: 26.33% Business (Y
Slide 6: Performance Highlights: Business Highlights (QoQ)
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Business Highlights (QoQ) ₹ lakhCr Business Profit ₹ in Cr Net Interest Income ₹ in Cr CRAR (%) Business Deposits Advances Operating Profit Net Profit 5557 14.95 15.29 5
Slide 7: Business Snapshot
' B Bus iness Snapshot
Slide 8: Deposits and Advances
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Business Snapshot ₹ in Cr Sl No Parameter 30.06.2025 31.03.2026 30.06.2026 QoQ (%) YoY (%) Domestic Deposits Domestic 709750 789283 803163 1 Deposits 744289 827726 84457
Slide 9: Advances (Domestic): Retail, Agriculture, MSME
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Advances (Domestic) ₹ in Cr Sector 30.06.2025 31.03.2026 30.06.2026 YoY (%) Retail 30.06.2025 31.03.2026 30.06.2026 YoY (%) Gross Advances-Domestic 555881 617485 631790
Slide 10: Priority Sector Achievement
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 30.06.26) (Excluding PSLC) (as % of ANBC) (Amount) Amount % Priority Sector 40.00% 2087
Slide 11: 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 30.06.2025 to Gross 30.06.2026 to Gross (%) Advances Advances Infrastructure 56752 10.21 76057 12.
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 * * 30.06.2025 31.03.2026 30.06.2026 External Rating Exposure % to Total Exposure % to Total Exposure % to Total Rated Exposure AAA
Slide 13: Standard NBFC Advances
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality ₹ in Cr Standard NBFC 30.06.2025 % 31.03.2026 % 30.06.2026 % NBFC - HFCs 15642 28% 13386 25% 13383 23% Standard NBFC NBFC - PSUs 4677 8% 4340 8% 2611 5% Advances NBFC -
Slide 14: Investments (Domestic)
Performance Investment Balance Capital & Risk Shareholding Asset Highlights Business Financials Sheet Management & Ratings Quality Investments (Domestic) ₹ in Cr Investment Portfolio Details 30.06.2025 31.03.2026 30.06.2026 YoY (%) 242486 245333 SLR Investments 187656 195814 200006 6.6 231604 Of whi
Slide 15: Financials
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Slide 16: Operating Profit & Net Profit
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Operating Profit & Net Profit ₹ in Cr Sl No Components Quarter Ended Year Ended 30.06.2025 31.03.2026 30.06.2026 QoQ (%) YoY (%) 31.03.2026 1 Interest Income 16283 17480
Slide 17: Income
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Income ₹ in Cr Quarter Ended Year Ended Sl No Components 30.06.2025 31.03.2026 30.06.2026 QoQ (%) YoY (%) 31.03.2026 1 Interest Income on Advances and Discount on Bills
Slide 18: Fee Income
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Fee Income ₹ in Cr Quarter Ended Year Ended Sl No Components 30.06.2025 31.03.2026 30.06.2026 QoQ (%) YoY (%) 31.03.2026 1 Transaction fees 212 138 116 (15.82) (45.36) 6
Slide 19: Expenses
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Expenses ₹ in Cr Sl No Components Quarter Ended Year Ended 30.06.2025 31.03.2026 30.06.2026 QoQ (%) YoY (%) 31.03.2026 1 Interest on deposits 9227 9518 9759 2.53 5.76 37
Slide 20: Overhead Expenses
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Overhead Expenses ₹ in Cr Sl No Components Quarter Ended Year Ended 30.06.2025 31.03.2026 30.06.2026 QoQ (%) YoY (%) 31.03.2026 1 Rent, Taxes & Lighting 169 179 189 5.69
Slide 21: Provisions & Net Profit
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Provisions & Net Profit ₹ in Cr Sl No Components Quarter Ended Year Ended 30.06.2025 31.03.2026 30.06.2026 QoQ (%) YoY (%) 31.03.2026 1 Operating Profit 4770 5286 5557 5
Slide 22: Performance Ratios
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Performance Ratios % Annualized Quarter Ended Year Ended Sl No Ratios 30.06.2025 31.03.2026 30.06.2026 31.03.2026 1 Cost of Deposits 5.14 4.83 4.80 4.97 2 Cost of Funds
Slide 23: 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 8.58 8.07 8.09 8.27 7.95 8.00 5.14 4.83 5.23 4.80 4.88 4.83 QE Jun25 QE M
Slide 24: Balance Sheet
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Balance Sheet ₹ in Cr Liabilities 30.06.2025 31.03.2026 30.06.2026 Capital 1347 1347 1347 Reserves & Surplus 71327 76944 80723 Deposits 744289 827726 844578 Borrowings 5
Slide 25: Capital & Risk Management
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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 30.06.2025 31.03.2026 30.06.2026 1.53% 1.07% 1 Common Equity Tier I (CET 1) 63377 71764
Slide 27: Shareholding Pattern and Ratings
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials & Ratings Sheet Management Quality Shareholding Pattern as on 30.06.26 Ratings Mutual Funds: 13.52% Resident Individual: 2.08% Domestic Insurance Companies: 3.42% Rating Issuer Infrastructure Certificate
Slide 28: Asset Quality
' B Asset Qual ty
Slide 29: Movement of NPA
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Movement of NPA Gross NPA Net NPA ₹ in Cr ₹ in Cr 18067 S Quarter Ended Year Ended 13190 Details 12710 No 30.06.2025 31.03.2026 30.06.2026 31.03.2026 1 Gross NPA opening
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 30.06.2025 31.03.2026 30.06.2026 S % to % to % to Sector Gross Gross Gross No respective respective Outstanding respective NPA NPA NPA portfolio
Slide 31: Covid Restructuring, NCLT and NARCL
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality 30.06.2026 ₹ in Cr Category No.of Exposure Provision PCR% Accounts RBI List I 6 1224 1224 100% S.No Position of Accounts with Indian Bank No. of A/cs Book as on 30.06.20
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 30.06.2025 31.03.2026 30.06.2026 % to % to % to Sector Respective Respective Respective SMA 1 SMA 2 Total Sector SM
Slide 33: Financial Inclusion
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Slide 34: Financial Inclusion
Financial Joint Digital Business Venture & Regional Rural Awards & Inclusion Footprint HRM ESG Network Subsidiaries Banks Accolades Financial Inclusion S No FI Parameters Jun'25 Mar'26 Jun'26 1 Average Balance in PMJDY account: ₹5517 (vs ₹5224 of Industry) 1 BCs engaged (Nos.) 15080 17032 17314 Grow
Slide 35: Digital Banking & Business Network
Digital Banking & Business Network
Slide 36: Digital Business during Q1FY27
Financial Digital Business Joint Regional Rural Awards & Inclusion HRM ESG Venture & Footprint Network Banks Accolades Subsidiaries Digital Business during Q1FY27 : ₹67327 Cr ₹ in Cr Digital vs Branch Transactions 158 Digital Journeys, Utilities & Processes Digital Business Digital Assets 93% 95% 56
Slide 37: Expanding Digital Footprint – Q1FY27
Financial Joint Digital Business Regional Rural Awards & Inclusion HRM ESG Venture & Footprint Network Banks Accolades Subsidiaries Expanding Digital Footprint – Q1FY27 ~1.0x YoY growth ~1.2x YoY growth in amount ~1.2x YoY growth ~1.2x YoY growth ~1.1 YoY growth ~1.8x YoY growth in amount ~1x YoY gr
Slide 38: 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 01 01 IND Cash Optima 02 Virtual Banking Next Gen Transaction Banking platform for Experience (VBX) Corporate & Government
Slide 39: Digital Banking
Financial Joint Digital Business Regional Rural Awards & Inclusion HRM ESG Venture & Footprint Network Banks Accolades Subsidiaries Digital Banking In Cr Mobile Banking UPI Users Transactions Users Transactions 2.48 2.00 2.02 1.76 2.77 2.29 237 176 Jun-25 Jun-26 QE Jun 25 QE Jun 26 Jun-25 Jun-26 QE
Slide 40: Business Network: Pan India Touch Points
Joint Financial Digital Business Regional Rural Awards & HRM ESG Venture & Inclusion Footprint Network Banks Accolades Subsidiaries 30.06.2026 Processing Centres & Verticals Pan India Touch Points: 28,994 Population group wise (Domestic) 100 81 Domestic Branches 6003 RACs RAPCs Northern Rural Metro
Slide 41: Manpower Position and HR Initiatives
Financial Digital Business Joint Regional Rural Awards & Inclusion HRM ESG Venture & Footprint Network Banks Accolades Subsidiaries Domestic Average age % of Female Manpower Position Total Male Female (As on 30.06.26) of staff staff Officers 27063 19061 8002 38 30% Clerks 13094 8355 4739 38 36% Sub-
Slide 42: ESG, Group Entities & Awards
ESG, Group Entities & Awards
Slide 43: ESG: Environmental, Social and Governance
Joint Venture Financial Digital Business ESG & Regional Rural Awards & HRM Inclusion Environmental Footprint Network Subsidiaries Banks Accolades ▪ Installed aerators in ▪ 144 LED signboards installed ▪ Replaced 1481+ Diesel ▪ Ramp/lift is provided in 4873 plumbing fixtures to generators with Invert
Slide 44: Joint Venture and Subsidiaries
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 45: 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 Puducherry Grama Bank Total Parameters Quarter Ended Quarter Ended Quarter Ended FY26 FY26 FY26 Jun-25 Jun-26 YoY (%)
Slide 46: Awards & Accolades
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries CEO of the Year at TN Business APY Annual Award of Excellence for Leader of the Year 2025 achieving 104% of APY target in FY26 Bank won Prestigious SKOCH Golden Award W
Slide 47: Guidance
Guidance Parameters Actuals (Q1FY27) Guidance (FY27) Deposits 13.47% 9% ~ 11% Advances 13.89% 11% ~ 13% Domestic CASA 39.73% 40% Credit Deposit Ratio 81.06% ~ 80% GNPA % 1.86% 1.50% ~ 1.60% NNPA % 0.15% 0.15% ~ 0.20% Recovery ₹1885 Cr ₹4500 Cr ~ ₹5500 Cr AUC ₹751 Cr ₹1200 Cr ~ ₹1500 Cr NIM 3.29% 3.1
Slide 48: 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 49: Thank You
® THANK YOU ==: SA T © feats & otinson [rein Go Digital with IndSMART for a smarter banking experience! rete needa . SSS \ \ Designed to suit your Business IndSMART BIZ ih inbank. bank. Follow us 0