Indian Bank · NSE:INDIANB
Indian Bank — Q2 FY2026-27 Earnings Presentation
49 slides from Indian Bank's earnings presentation, Oct 15, 2026
Slide 1: Cover letter to NSE and BSE on results presentation
निवेशक सेवाएँ कक्ष INVESTOR SERVICES CELL Ref. No.: ISC/407/2026-27 Date: 15.10.2026 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 Q2/H1 FY27
IB Gen X Supply Chain Finance Performance Sh e-bike Analysis Q2/H1 FY27 Ind IND Niryat Grow e-comm
Slide 3: Contents
Page Performance Highlights 3 Business Snapshot 6 Financials 14 Contents 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 Q2FY27 (YoY)
Slide 5: Performance Highlights Q2FY27 (YoY)
Performance Highlights Business Business Investment Financials Balance Capital &Capital & Risk Shareholding Asset Investment Financials Balance Sheet Risk Management Shareholding & Ratings Asset Quality Sheet Management & Ratings Quality Q2FY27 Business Deposits Advances CASA Growth CD Ratio CASA :
Slide 6: Performance Highlights
Performance Highlights Business Business Investment Financials Balance Capital &Capital Balance Sheet & Risk Risk Management Shareholding Shareholding & Ratings Asset Asset Quality Investment Financials Sheet Management & Ratings Quality Business Highlights (QoQ) ₹ lakhCr Business Profit ₹ in Cr Net
Slide 7: Business Snapshot
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Slide 8: Business Snapshot
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Business Snapshot ₹ in Cr Sl No Parameter 30.09.2025 30.06.2026 30.09.2026 QoQ (%) YoY (%) Domestic Deposits Domestic 741787 803163 833705 1 Deposits 776946 844578 87403
Slide 9: Advances (Domestic)
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Advances (Domestic) ₹ in Cr Sector 30.09.2025 30.06.2026 30.09.2026 YoY (%) Retail 30.09.2025 30.06.2026 30.09.2026 YoY (%) Gross Advances-Domestic 573524 631790 659796
Slide 10: Priority Sector
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Priority Sector ₹ in Cr Achievement RBI Benchmark Mandatory Target Segment (as on 30.09.26) (Excluding PSLC) (as % of ANBC) (Amount) Amount % Priority Sector 40.00% 2117
Slide 11: Sector Deployment-Domestic Advances
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Sector Deployment-Domestic Advances ₹ in Cr % share % share Sector 30.09.2025 to Gross 30.09.2026 to Gross YoY (%) Advances Advances Infrastructure 63720 11.11 76930 11.
Slide 12: External Rating-wise Advances
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality External Rating-wise Advances ₹ in Cr 30.09.2025 30.06.2026* 30.09.2026* External Rating Exposure % to Total Exposure % to Total Exposure % to Total Rated Exposure AAA 6
Slide 13: Standard NBFC Advances
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality ₹ in Cr Standard NBFC 30.09.2025 % 30.06.2026 % 30.09.2026 % NBFC - HFCs 14959 27% 13383 23% 12911 21% Standard NBFC NBFC - PSUs 5723 10% 2611 5% 1505 2% Advances NBFC -
Slide 14: Investments (Domestic)
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Investments (Domestic) ₹ in Cr Investment Portfolio S No Details 30.09.2025 30.06.2026 30.09.2026 YoY (%) 1 SLR Investments 190801 200006 208049 9.0 252588 234159 245333
Slide 15: Financials
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Slide 16: Operating Profit & Net Profit
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Operating Profit & Net Profit ₹ in Cr Sl No Components Quarter Ended Half Year Ended Year Ended 30.09.2025 30.06.2026 30.09.2026 QoQ (%) YoY (%) 30.09.2025 30.09.2026 Yo
Slide 17: Income
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Income ₹ in Cr Quarter Ended Half Year Ended Year Ended Sl No Components 30.09.2025 30.06.2026 30.09.2026 QoQ (%) YoY (%) 30.09.2025 30.09.2026 YoY (%) 31.03.2026 1 Inte
Slide 18: Fee Income
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Fee Income ₹ in Cr Sl No Components Quarter Ended Half Year Ended Year Ended 30.09.2025 30.06.2026 30.09.2026 QoQ (%) YoY (%) 30.09.2025 30.09.2026 YoY (%) 31.03.2026 1
Slide 19: Expenses
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Expenses ₹ in Cr Sl No Components Quarter Ended Half Year Ended Year Ended 30.09.2025 30.06.2026 30.09.2026 QoQ (%) YoY (%) 30.09.2025 30.09.2026 YoY (%) 31.03.2026 1 In
Slide 20: Overhead Expenses
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Overhead Expenses ₹ in Cr Sl No Components Quarter Ended Half Year Ended Year Ended 30.09.2025 30.06.2026 30.09.2026 QoQ (%) YoY (%) 30.09.2025 30.09.2026 YoY (%) 31.03.
Slide 21: Provisions & Net Profit
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Provisions & Net Profit ₹ in Cr Sl No Components Quarter Ended Half Year Ended Year Ended 30.09.2025 30.06.2026 30.09.2026 QoQ (%) YoY (%) 30.09.2025 30.09.2026 YoY (%)
Slide 22: Performance Ratios
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Performance Ratios % Annualized Quarter Ended Half Year Ended Year Ended Sl No Ratios 30.09.2025 30.06.2026 30.09.2026 30.09.2025 30.09.2026 31.03.2026 1 Cost of Deposit
Slide 23: Performance Ratios
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality % Annualized Performance Ratios Cost of Deposits Yield on Advances Yield on Investments 7.03 6.96 6.98 5.01 8.40 8.09 8.17 4.80 4.89 QE Sep25 QE Jun26 QE Sep26 QE Sep25
Slide 24: Balance Sheet
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Balance Sheet ₹ in Cr Liabilities 30.09.2025 30.06.2026 30.09.2026 Capital 1347 1347 1347 Reserves & Surplus 73943 80723 83610 Deposits 776946 844578 874036 Borrowings 4
Slide 25: Capital & Risk Management
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Slide 26: Capital & Risk Management
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality CET 1 Additional Tier I Tier II Capital & Risk Management ₹ in Cr S No Parameters 30.09.2025 30.06.2026 30.09.2026 1.07% 1 Common Equity Tier I (CET 1) 62905 74319 73704
Slide 27: Shareholding Pattern and Ratings
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Shareholding Pattern as on 30.09.26 Ratings Mutual Funds: 13.36% Resident Individual: 1.99% Domestic Insurance Companies: 3.34% Rating Issuer Infrastructure Certificate
Slide 28: Asset Quality
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Slide 29: Movement of NPA
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Movement of NPA ₹ in Cr ₹ in Cr Gross NPA Net NPA 16135 S Quarter Ended Half Year Ended Year Ended Details 12710 No 11613 30.09.2025 30.06.2026 30.09.2026 30.09.2025 30.
Slide 30: Sector wise NPA and Slippages
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Sector wise NPA ₹ in Cr 30.09.2025 30.06.2026 30.09.2026 S % to % to % to Sector Gross Gross Gross No respective respective Outstanding respective NPA NPA NPA portfolio
Slide 31: Covid Restructuring, NARCL and NCLT Recovery
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality 30.09.2026 ₹ in Cr Category No.of Exposure Provision PCR% Accounts S.No Position of Accounts with Indian Bank No. of A/cs Book RBI List I 6 1226 1226 100% as on 30.09.20
Slide 32: Special Mention Account (SMA) ₹5 Cr and above
Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Special Mention Account (SMA) ₹5 Cr and above ₹ in Cr 30.09.2025 30.06.2026 30.09.2026 % 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
Business Joint Venture & Financial Inclusion Digital Footprint HRM ESG Regional Rural Banks Awards & Accolades Network Subsidiaries Financial Inclusion Average Balance in PMJDY account: ₹5738 (vs ₹5376 1 S No FI Parameters Sep'25 Jun'26 Sep'26 of Industry) Growth in PMJDY A/Cs under BSBDA: YoY 4% (i
Slide 35: Digital Banking & Business Network
Digital Banking & Business Network
Slide 36: Digital Business during H1FY27
Business Joint Venture & Financial Inclusion Digital Footprint HRM ESG Regional Rural Banks Awards & Accolades Network Subsidiaries Digital Business during H1FY27 : ₹1,45,344 Cr ₹ in Cr Digital vs Branch Transactions 164 Digital Journeys, Utilities & Processes Digital Business Digital Assets 94% 96%
Slide 37: Expanding Digital Footprint – H1FY27
Business Joint Venture & Financial Inclusion Digital Footprint HRM ESG Regional Rural Banks Awards & Accolades Network Subsidiaries Expanding Digital Footprint – H1FY27 YoY growth in amount of Digital Business Digital Digital MSME ~1.2x ~1.7x Business Credit Digital Liability Digital Jewel ~1.3x ~1.
Slide 38: Major IT Infrastructure & Digital Initiatives
Business Joint Venture & Financial Inclusion Digital Footprint HRM ESG Regional Rural Banks Awards & Accolades Network Subsidiaries Major IT Infrastructure & Digital Initiatives Conversational Banking Virtual Banking Experience (VBX) AI-TARA - Human-like voice A new way of banking with a Comprehensi
Slide 39: Digital Banking
Business Joint Venture & Financial Inclusion Digital Footprint HRM ESG Regional Rural Banks Awards & Accolades Network Subsidiaries Digital Banking In Cr Mobile Banking UPI Users Transactions Users Transactions 2.66 2.10 2.89 2.11 1.96 2.41 256.77 193.29 Sep-25 Sep-26 QE Sep 25 QE Sep 26 Sep-25 Sep-
Slide 40: Business Network
Joint Venture & Financial Inclusion Digital Footprint Business Network HRM ESG Regional Rural Banks Awards & Accolades Subsidiaries 30.09.2026 Population group wise (Domestic) Pan India Touch Points: 30075 Domestic Branches 6017 100 81 Rural Metro RACs RAPCs Overseas Branches Northern 3+1 IBU 2013 1
Slide 41: HR Initiatives and Manpower Position
Joint Venture & Financial Inclusion Digital Footprint Business Network HRM ESG Regional Rural Banks Awards & Accolades Subsidiaries Domestic Average age % of Female Manpower Position Total Male Female (As on 30.09.26) of staff staff Officers 26898 18928 7970 38 30 Clerks 13207 8416 4791 38 36 Sub-st
Slide 42: ESG, Group Entities & Awards
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Slide 43: Environmental Social Governance
Joint Venture & Financial Inclusion Digital Footprint Business Network HRM ESG Regional Rural Banks Awards & Accolades Subsidiaries Environmental Social Governance • Rural Development: 39 RSETI Centres (INDSETIs) • Installed aerators in plumbing fixtures to reduce trained 11,752 candidates through 5
Slide 44: Joint Venture and Subsidiaries
HRM ESG Joint Venture & Financial Inclusion Digital Footprint Business Network Regional Rural Banks Awards & 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
HRM ESG Joint Venture & Financial Inclusion Digital Footprint Business Network Regional Rural Banks Awards & Accolades Subsidiaries Regional Rural Banks ₹ in Cr Tamil Nadu Grama Bank Puducherry Grama Bank Total Parameters Half Year Ended Half Year Ended Half Year Ended FY26 FY26 FY26 Sep-25 Sep-26 Y
Slide 46: Awards & Accolades
Joint Venture Financial Digital Business Joint Venture & Regional Financial Inclusion Digital Footprint Business NetworkHRM HRM ESG ESG & Regional Rural Banks Awards & Accolades Inclusion Footprint Network Subsidiaries Rural Banks Subsidiaries CEO of the Year at TN APY Annual Award of Bank won Prest
Slide 47: Guidance
Guidance Parameters Actuals (H1FY27) Guidance (FY27) Deposits 12.50% 11% ~ 12% Advances 16.39% 13% ~ 14% Domestic CASA 39.36% 40% Credit Deposit Ratio 82.60% ~ 80% GNPA % 1.61% 1.50% ~ 1.60% NNPA % 0.14% 0.15% ~ 0.20% Recovery (₹ Cr) 3431 ₹4500 Cr ~ ₹5500 Cr AUC (₹ Cr) 1269 ₹1200 Cr ~ ₹1500 Cr NIM 3
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: Indian Bank
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