Indian Bank · NSE:INDIANB
Indian Bank — Q4 FY2026 Earnings Presentation
49 slides from Indian Bank's earnings presentation, Apr 29, 2026
Slide 1: Updated Presentation on Audited Financial Results Q4 FY26 (cover letter)
निवेशक सेवाएँ कक्ष INVESTOR SERVICES CELL Ref. No.: ISC/35/2026-27 Date: 29.04.2026 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 Q4/FY26
Performance Analysis Q4/FY26
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
Performance Highlights Q4FY26 (YoY)
Slide 5: Highlights Q4FY26 (YoY)
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Q4FY26 Business Deposits Advances CASA CD Ratio ₹ 8.28 lakh Cr CASA : 10.85% ₹ 6.67 lakh Cr ₹ 14.95 lakh Cr SB: 10.64% 80.60% 12.79% 12.29% 13.43% CA: 12.16% Business (Y
Slide 6: Business Highlights (QoQ)
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Business Highlights (QoQ) ₹ lakhCr Business ₹ in Cr ₹ in Cr 14.95 Profit Net Interest Income CRAR (%) 13.97 14.30 13.25 13.45 5019 5024 5286 4770 4837 7109 6896 17.94 63
Slide 7: Business Snapshot
Business Snapshot
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 31.03.2025 31.12.2025 31.03.2026 QoQ (%) YoY (%) Domestic 702966 755240 789283 Deposits 1 Deposits 737154 790
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 31.03.2025 31.12.2025 31.03.2026 YoY (%) Retail 31.03.2025 31.12.2025 31.03.2026 YoY (%) Gross Advances-Domestic 546283 591076 617485
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 31.03.26) (Excluding PSLC) (as % of ANBC) (Amount) Amount % Surpassed all the Priority
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 31.03.2025 to Gross 31.03.2026 to Gross (%) Advances Advances Infrastructure 55168 10.1 68218 11.0
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 31.03.2025 31.12.2025* 31.03.2026* 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 Business Investment Financials Highlights Sheet Management & Ratings Quality Standard NBFC 31.03.2025 % 31.12.2025 % 31.03.2026 % ₹ in Cr NBFC - HFCs 16116 26% 14490 26% 13386 25% Standard NBFC NBFC - PSUs 4737 8% 5799 10% 4340 8% 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 S No Details 31.03.2025 31.12.2025 31.03.2026 YoY (%) 234424 242486 1 SLR Investments 178638 190922 195814 9.6 223371
Slide 15: Financials
Financials
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 31.03.2025 31.12.2025 31.03.2026 QoQ (%) YoY (%) 31.03.2025 31.03.2026 YoY (%) 1 Interest
Slide 17: Income
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Income ₹ in Cr Sl No Components Quarter Ended Year Ended 31.03.2025 31.12.2025 31.03.2026 QoQ (%) YoY (%) 31.03.2025 31.03.2026 YoY (%) 1 Interest Income on Advances and
Slide 18: Fee Income
Performance Financials Balance Capital & Risk Shareholding Asset Highlights Business Investment Sheet Management & Ratings Quality Fee Income ₹ in Cr Sl No Components Quarter Ended Year Ended 31.03.2025 31.12.2025 31.03.2026 QoQ (%) YoY (%) 31.03.2025 31.03.2026 YoY (%) 1 Transaction fees 212 174 13
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 31.03.2025 31.12.2025 31.03.2026 QoQ (%) YoY (%) 31.03.2025 31.03.2026 YoY (%) 1 Interest on deposits 8783 937
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 31.03.2025 31.12.2025 31.03.2026 QoQ (%) YoY (%) 31.03.2025 31.03.2026 YoY (%) 1 Rent, Taxes & Lighti
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 31.03.2025 31.12.2025 31.03.2026 QoQ (%) YoY (%) 31.03.2025 31.03.2026 YoY (%) 1 Operating Prof
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 31.03.2025 31.12.2025 31.03.2026 31.03.2025 31.03.2026 1 Cost of Deposits 5.10 4.93 4.83 5.12 4.97
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 8.64 8.31 8.07 8.35 8.13 7.95 5.10 4.93 5.21 5.00 4.83 4.88 QE Mar25 QE D
Slide 24: Balance Sheet
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Balance Sheet ₹ in Cr Liabilities 31.03.2025 31.12.2025 31.03.2026 Capital 1347 1347 1347 Reserves & Surplus 67963 76889 76944 Deposits 737154 790923 827726 Borrowings 4
Slide 25: Capital & Risk Management
Capital & Risk Management
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 2.09% 1.53% S No Parameters 31.03.2025 31.12.2025 31.03.2026 0.49% 2.04% 1 Common Equity Tier I (CET 1)
Slide 27: Shareholding Pattern & Ratings
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials & Ratings Sheet Management Quality Shareholding Pattern as on 31.03.26 Ratings Mutual Funds: 13.69% Resident Individual: 2.01% Domestic Rating Issuer Infrastructure Certificate of Insurance Companies: 3.9
Slide 28: Asset Quality
Asset Quality
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 18179 14268 13190 S Quarter Ended Year Ended Details No 31.03.2025 31.12.2025 31.03.2026 31.03.2025 31.03.2026 1 Gross
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 31.03.2025 31.12.2025 31.03.2026 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 ₹ in Cr 31.03.2026 Category No.of Exposure Provision PCR% Accounts S.No Position of Accounts with Indian Bank No. of A/cs Book RBI List I 6 1225 1225 100% as on 31.03.20
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 31.03.2025 31.12.2025 31.03.2026 % to % to % to Sector Respective Respective Respective SMA 1 SMA 2 Total Sector SM
Slide 33: Financial Inclusion
Financial Inclusion
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 Mar'25 Dec'25 Mar'26 1 Average Balance in PMJDY account: ₹5755 (vs ₹5269 of Industry) 1 BCs engaged (Nos.) 14667 16247 17032 2 Gr
Slide 35: Digital Banking & Business Network
Digital Banking & Business Network
Slide 36: Digital Business
Financial Digital Business Joint Regional Rural Awards & Inclusion HRM ESG Venture & Footprint Network Banks Accolades Subsidiaries Digital Business during FY26 : ₹2,72,302 Cr ₹ in Cr Digital Business 153 Digital Journeys, Utilities & Processes Digital Assets 272302 235533 167390 93% 94% 137522 8125
Slide 37: Expanding Digital Footprint – FY26
Financial Joint Digital Business Regional Rural Awards & Inclusion HRM ESG Venture & Footprint Network Banks Accolades Subsidiaries Expanding Digital Footprint – FY26 ~1.7x YoY growth ~1.2x YoY growth in amount ~1.7x YoY growth ~1.6x YoY growth ~1.8x YoY growth ~1.5x YoY growth in amount ~1.7x YoY g
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 Virtual Banking Experience ✓ Comprehensive digital app for MSME business IndSMA₹T Biz growth and financial management A ne
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 2.36 7.62 2.64 1.94 6.64 2.19 804 581 FY25 FY26 Mar-25 Mar-26 FY25 FY26 Mar-25 Mar-26 Int
Slide 40: Business Network and Touch Points
Joint Financial Digital Business Regional Rural Awards & HRM ESG Venture & Inclusion Footprint Network Banks Accolades Subsidiaries 31.03.2026 Processing Centres & Verticals Pan India Touch Points: 28,691 Population group wise (Domestic) Northern Domestic Branches 6001 Rural Metro Overseas Branches
Slide 41: 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 31.03.26) of staff staff Position Officers 25997 18458 7539 37 29% Clerks 12205 7750 4455 39 37% Sub-
Slide 42: ESG, Group Entities & Awards
ESG, Group Entities & Awards
Slide 43: Environmental, Social and Governance
Joint Venture Financial Digital Business ESG & Regional Rural Awards & HRM Inclusion Environmental Footprint Network Subsidiaries Banks Accolades ▪ Installed Lighting sensors • 140 LED signboards installed ▪ Replaced 1481+ Diesel ▪ Ramp/lift is provided in 4873 in Corporate/Head Office generators wi
Slide 44: Subsidiaries and Joint Venture
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 Year Ended Year Ended Year Ended Mar-25 Mar-26 YoY (%) Mar-25 Mar-26 YoY (%) M
Slide 46: Awards & Accolades
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 1st (Kolkata North & Varanasi ZOs) & 2nd (Patna ZO) Award for IB SAATHI & SKOCH Silver the Ye
Slide 47: Guidance
Guidance Parameters Guidance (FY26) Actuals (FY26) Guidance (FY27) Deposits 8% ~ 10% 12.29% 9% ~ 11% Advances 10% ~ 12% 13.43% 11% ~ 13% CASA >40% 39.67% 40% Credit Deposit Ratio ~ 80% 80.60% ~ 80% GNPA % <2% 1.98% 1.50% ~ 1.60% NNPA % 0.20% 0.15% 0.15% ~ 0.20% Recovery ₹5500 Cr ~ ₹6500 Cr ₹6651 Cr
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
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