Indusind Bank Ltd. · NSE:INDUSINDBK
Indusind Bank — Q3 FY2026 Earnings Presentation
41 slides from Indusind Bank's earnings presentation, Jan 23, 2026
Slide 1: Investor Presentation Q3-FY26
Investor Presentation Q3-FY26 | DECEMBER 2025 January 23, 2026
Slide 2: Presentation Path
Presentation Path 01 Summary Executive Business Performance 02 2 Asset Quality 03 Financial Highlights 04 Capital and Liquidity Position 05 Other Key Information 06
Slide 3: IndusInd Bank at a Glance
IndusInd Bank at a Glance 5th largest private bank ₹ 3,17,536crs ₹ 3,93,815 crs 42 mn 9,957 Loans Deposits Customers Touch Points Universal offerings 51% 14% 35% 48% 2.7mn+ Retail SME Wholesale Retail Deposit Share Monthly Active share in Loan Book as per LCR Users on INDIE App Robust balance sheet
Slide 4: Highlights for Q3FY26
Highlights for Q3FY26 Avg Total Deposits: ↓ 1% QoQ Avg Total Loans: ↓ 2% QoQ Re-calibration of balance sheet continued with release of bulk Avg Retail Deposits: Stable QoQ Avg Retail & SME Loans: ↓ 1% QoQ Balance Sheet deposits and lower return loans Retail Deposit share: 47.5% vs. 47.0% QoQ Avg Who
Slide 5: Key Financial Metrics for Q3 FY26
Key Financial Metrics for Q3 FY26 Balance Sheet Loans Deposits Borrowings Networth Total Assets ₹ 3,17,536crs ₹ 3,93,815crs ₹ 39,242crs ₹ 62,077crs ₹ 5,25,595crs (13)% YoY (3)% QoQ (4)% YoY 1% QoQ (22)% YoY (13)% QoQ (5)% YoY (1)% QoQ (4)% YoY - QoQ CRAR Net NPA Liquidity Coverage Ratio Provision Co
Slide 6: Consolidated Balance Sheet
Consolidated Balance Sheet ₹ crs Q3FY26 Q3FY25 Y-o-Y (%) Q2FY26 Q-o-Q (%) Capital & Liabilities Capital 779 779 - 779 - Reserves and Surplus 64,395 66,327 (3)% 64,279 - Deposits 3,93,815 4,09,438 (4)% 3,89,600 1% CA Deposits 31,416 45,872 (32%) 31,907 (2)% SA Deposits 87,688 96,946 (10%) 87,854 - Bo
Slide 7: Consolidated Profit and Loss Account
Consolidated Profit and Loss Account ₹ crs Q3FY26 Q3FY25 Y-o-Y (%) Q2FY26 Q-o-Q (%) 9M FY26 9M FY25 Y-o-Y (%) Net Interest Income 4,562 5,228 (13)% 4,409 3% 13,611 15,983 (15)% Other Income 1,707 2,355 (28)% 1,651 3% 5,515 6,982 (21)% Total Income 6,269 7,583 (17)% 6,060 3% 19,126 22,965 (17)% Opera
Slide 8: Business Performance
Executive Summary 01 Presentation Path 02 Business Performance 8 Asset Quality 03 Financial Highlights 04 Capital and Liquidity Position 05 Other Key Information 06
Slide 9: Deposit and Loan Book Performance
Deposit and Loan Book Performance Deposit Mix – Average for the period (₹ crs) Loan Mix – Average for the period (₹ crs) YoY QoQ YoY QoQ 3,95,870 3,99,802 3,91,137 3,84,166 3,79,139 (4%) (1%) 3,43,693 3,52,690 3,33,071 3,25,015 3,19,860 (7)% (2)% (18)% (2%) 35% 36% 35% 40% 40% 68% 68% 69% (2%) (2%)
Slide 10: Building a Granular and Cost-Efficient Liabilities Franchise
Building a Granular and Cost-Efficient Liabilities Franchise Retail Deposit as per LCR Definitions – Average (₹ crs) Cost of Deposits (%) - YoY 6.58% 6.50% 6.44% (49bps) YoY 2,00,000 1,80,539 1,86,503 1,80,678 1,80,475 1,80,113 49.0% 6.23% 6.09% 1,80,000 - QoQ (14bps) QoQ 47.0% 1,60,000 47.0% 47.5%
Slide 11: Key Drivers of Retailisation of Deposits
Key Drivers of Retailisation of Deposits Process and ‘One Bank’ approach Improving TAT for Productivity holistically serving processes across Revamped KRAs Cross-sell driven engagement customer needs acquisition & servicing Enhancement Premiumization Segmental focus - Business Wealth management via
Slide 12: Supported by Large Distribution Network
Supported by Large Distribution Network Widespread Pan Regional Breakdown Geographical Breakdown India Footprint of Branches of Branches 9,957+ ~1,62,000 Touch Points Villages Covered Central North Rural 13% Urban Particulars (#) Dec-25 Dec-24 YoY 22% 25% 24% East Branches/Banking 3,120 3,063 +57 Ou
Slide 13: Loan Book Diversified Across Customer Segments
Loan Book Diversified Across Customer Segments Loan Book Composition Loan mix and Growth Rs. Crore Q3 FY26 YoY QoQ % Share Mid Market Grp & Retail 1,61,219 -3% -1% 51% Others Institutional & Government 9% Vehicle Finance 98,196 5% 2% 31% Banking Vehicle Finance 10% 31% Rural Banking 31,966 -30% -10%
Slide 14: Vehicle Finance: Leadership Across Vehicle Categories
Vehicle Finance: Leadership Across Vehicle Categories 35+ Market Leader Nationwide Healthy Digital Initiatives Tapping Years in Most Diversified Collateral for a Customer-first New Sub- of Vintage Products Presence Coverage Experience segments Vehicle Finance Loan Book (₹ crs) Vehicle Finance Disbur
Slide 15: Rural Banking: Leveraging Deep Distribution to Serve the Underserved
Rural Banking: Leveraging Deep Distribution to Serve the Underserved Micro Loan Book* (₹ crs) Merchant Loan Book (₹ crs) Loan Book Disbursements YoY QoQ 7,260 7,304 7,262 7,338 32,564 30,909 6,319 28,408 162K 16% YoY 21,321 Villages 17,669 (46%) (17)% 1% QoQ served across 9,275 9,396 23 States 5,991
Slide 16: Consumer Banking: Broadening the Traditional Retail Asset Franchise
Consumer Banking: Broadening the Traditional Retail Asset Franchise Home Loans (₹ crs) Personal Loans (₹ crs) 94% YoY 12% YoY Improved risk & 5,547 6,114 10,681 10,804 10,598 4,996 10% QoQ 10,209 (2%) QoQ analytical 4,491 9,439 models 3,144 Increased digital & branch sourcing Q3 FY25 Q4 FY25 Q1 FY26
Slide 17: SME: Addressing Large Opportunity with Focus on Granular Portfolio
SME: Addressing Large Opportunity with Focus on Granular Portfolio SME Loan Book (₹ crs) and % Share in Loan Mix Portfolio Spread Across Industries 50,000 20.0% 46,542 (1%) YoY 45,393 Trading, 10% Integrated 45,000 44,236 45,037 43,957 (2%) QoQ 18.0% Other Industry, 35% Steel , 9% Operating Model 40
Slide 18: Wholesale Banking: Driven by Risk Adjusted Return on Capital
Wholesale Banking: Driven by Risk Adjusted Return on Capital Risk Profile: Rating wise Wholesale Banking Loan Book (₹ crs) Corporate Exposure * 1,57,114 1,28,905 1,18,824 1,18,155 1,12,360 (28%) YoY Primary Banker to Emerging 23% 20% 18% 18% 17% 20% 24% 25% 25% & Mid Corporates 28% (5%) QoQ 26% 29%
Slide 19: Digital Banking: Continuing Momentum Across Metrics
Digital Banking: Continuing Momentum Across Metrics Digital Acquisition Payment & Digital Adoption & Origination Merchant Ecosystem & Engagement Q3’26 Q3’26 4.6 INDIE App SA opened via end- INDIE APP led Rating 70K+ to-end DIY journey 4.3Mn+ transactions 4.7 4.5 INDIE for Business TDs opened UPI tra
Slide 20: INDIE
INDIE One App. Endless Possibilities. Retail made simple with INDIE. 100 + Banking Features across Web & Mobile 60% 24K+ 2,189 Cr+ Scan 4.6Mn+ 2.7Mn+ MAU Active Credit FDs & RDs to watch Registrations* SA Customers* video Customers** Lines** opened** Savings Account | Payments | Deposits | Line of C
Slide 21: INDIE for Business
INDIE for Business A Next Gen ‘all in one’ Business SUPER APP #BetterBusinesBanking 100 + Banking Features across Web & Mobile Self Registration | Payments | Merchant Collections | Business Loans | Notifications | Current Accounts | more.. ₹15K Cr. + ₹96 Cr. + 71 Cr. + Scan 400K + 65% Transactions T
Slide 22: Asset Quality
Executive Summary 01 Presentation Path Business Progress 02 03 Asset Quality 22 Financial Highlights 04 Capital and Liquidity Position 05 Other Key Information 06
Slide 23: Stressed Assets and Provisions
Stressed Assets and Provisions Restructured Book and Net Security Receipts (% of Net Advances) Restructured Book and Net Security Receipts (% of Net Advances) Gross NPA and Net NPA (%) Provision Coverage Ratio (%) YoY QoQ 3.64% 3.60% 3.56% 1% YoY 131bps (4bps) 72% 3.13% 72% 70% 70% 70% - QoQ 2.25% 0
Slide 24: Segment wise Asset Quality Trends
Segment wise Asset Quality Trends ₹ Crs 2,200 2,537 2,560 1,860 2,094 2,159 983 2,517 2,612 8,375 12,058 11,605 32 33 9 27 - 3 - 258 128 119 252 55 68 32 16 44 424 454 2,191 2,218 109 471 474 16 429 421 2,041 396 108 436 124 401 379 1,215 1,239 157 221 185 1,094 614 581 163 140 867 944 541 - 1,072 9
Slide 25: Movement in Non-Performing Assets
Movement in Non-Performing Assets ₹ Crs Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Opening Balance 7,639 8,375 11,046 12,481 12,058 Fresh Additions 2,200 5,014 2,567 2,537 2,560 Deductions 1,464 2,343 1,133 2,960 3,013 -Write-offs 984 1,816 664 2,517 2,612 -Upgrades 150 216 230 199 166 -Recoveries 190 277 2
Slide 26: Loan Related Provisions held as on December 31, 2025
Loan Related Provisions held as on December 31, 2025 • Specific provision of ₹ 8,231 crs for non-performing accounts (towards PCR) • Floating provisions of ₹ 70 crs (towards PCR) • Standard asset provisions of ₹ 1,726 crs including restructured • Provision Coverage Ratio at 72% and total loan relate
Slide 27: Financial Highlights
Executive Summary 01 Presentation Path Business Progress 02 Asset Quality 03 27 04 Financial Outcomes Capital and Liquidity Position 05 Other Key Information 06
Slide 28: Key P&L Metrics
Key P&L Metrics NetSecurity Restructured Book and Net Revenue Receipts (₹ crs) (% of Net Advances) Operating Restructured Book and Expenses Net Security (₹ crs)(% of Net Advances) Receipts 7,583 4,248 4,229 6,797 YoY QoQ 3,982 4,013 3,999 YoY QoQ 6,060 6,269 - - 2,355 (17%) 3% 2,157 1,707 1,651 2,49
Slide 29: Net Interest Margin: Key Components and Trend
Net Interest Margin: Key Components and Trend Yield on Advances and Assets (%) Cost of Deposits and Cost of Funds (%) Net Interest Margin (%) 12.21 11.62 6.58 6.50 11.23 11.08 6.44 3.93 6.23 3.46 3.52 6.09 3.32 9.45 2.25 9.63 9.15 8.78 5.70 5.60 5.69 8.75 5.43 7.85 5.26 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY
Slide 30: Diversified Fee and Other Income Streams
Diversified Fee and Other Income Streams Non-Interest Income Mix (₹ crs) Core Fee to Asset Ratio (% of Average Assets) YoY QoQ YoY QoQ 1.70% 2,355 2,669 2,157 1,651 1,707 (28%) 3% 1.57% (35) bps 5 bps 10% 14% 6% 8% 29% 1.14% 1.18% 1.23% 21% 14% 20% 18% 14% 69% 72% 74% 74% 57% Q3 FY25 Q4 FY25 Q1 FY26
Slide 31: Key Financial Indicators
Key Financial Indicators Restructured Book and Return on Assets Net Security (%)* (% of Net Advances) Receipts Restructured Book and Return on Equity Net Security (%)* (% of Net Advances) Receipts 8.5% 1.03% 3.7% 0.45% 0.79% 0.10% -2.7% -0.33% -14.1% -1.74% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q3
Slide 32: Capital and Liquidity Position
Executive Summary 01 Presentation Path Business Progress 02 Asset Quality 03 Financial Highlights 04 32 05 Position Liquidity Capital and Other Key Information 06
Slide 33: Healthy Capital Adequacy and Liquidity Position
Healthy Capital Adequacy and Liquidity Position CRAR (%) CET 1 (%) 17.10% 48bps YoY 15.88% 56bps YoY 16.94% 15.74% 16.63% 15.48% (14bps) QoQ 16.46% (16bps) QoQ 16.24% 15.18% 15.10% Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 FY26 excludes interim profits FY26 excl
Slide 34: Shareholding Pattern and Credit Ratings
Shareholding Pattern and Credit Ratings Diversified Shareholding Credit Ratings Domestic Rating CARE A1+ for Certificate of Deposits. NRIs/ Director/ GDR issue Others 4.64% CRISIL A1+ certificate of deposit program / short 2.02% Promoters Individuals 15.08% term FD programme . 9.99% CRISIL AA+ for I
Slide 35: Other Key Information
Executive Summary 01 Presentation Path Business Progress 02 Asset Quality 03 Financial Highlights 04 35 Capital and Liquidity Position 05 06 Other Key Information
Slide 36: Micro Loans: Additional Disclosures (1/2)
Micro Loans: Additional Disclosures (1/2) Cumulative 21M ending Dec-25 Q3 FY26 62% 6-12 M 69% Up to 6 M 12-24 M Up to 6 M 6-12 M of Disbursements of Disbursements 0% 2% 5% 24-36 M 4% 4% Towards Centers with Towards Centers with 12-24 M 9% 9% >5 Years Vintage >5 Years Vintage 24-36 M 36-48 M Disburse
Slide 37: 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% 99.5% 99.5% 99.5% 99.1% 99.4% 99.6% 99.6% 99.3%
Slide 38: ESG and CSR highlights – Environment initiatives
ESG and CSR highlights – Environment initiatives ~ 47% 2032 ~ 80% Green, Climate, Social, Livelihood & Target year for Carbon Neutrality Wholesale banking credit inclusive portfolio of loan book exposure approved under in own operations (up from 33% in FY2018) ESMS policy 2 14 100% Offices LEED Rene
Slide 39: ESG and CSR highlights – Social Initiatives
ESG and CSR highlights Social Initiatives – impact Financial Inclusion Impact through Our Initiatives – FY2025 • Impacted 1.21 lakh rural HHs with increase in income by 25+ % in 3 years across five Aspirational Districts through farm based, livestock income, entrepreneurship. • Social Protection Sch
Slide 40: Awards & Accolades
Awards & Accolades Bharat Sanjeevani, a flagship CSR initiative of IndusInd Bank Limited and Won BW Businessworld its subsidiary, Bharat Financial Supply Chain Management IndusInd Bank’s campaign Inclusion Limited (BFIL) has been Leadership Award 2025, #CelebrationZarooriHai, won awarded the prestig
Slide 41: 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