Indian Bank · NSE:INDIANB
Indian Bank — Q1 FY2026 Earnings Presentation
48 slides from Indian Bank's earnings presentation, Jul 24, 2025
Slide 1: Exchange filing cover letter
निवेशक सेवाएँ कक्ष INVESTOR SERVICES CELL Ref. No.: ISC/114/2025-26 Date: 24.07.2025 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 Q1 FY 26
Performance Analysis Q1 FY 26
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 2/47
Slide 4: Performance Highlights
Performance Highlights Q1FY26 (YoY) 3/47
Slide 5: Highlights Q1FY26 (YoY)
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Q1FY26 Business Deposits Advances CASA : 4.23% CD Ratio ₹ 13.45 lakh Cr ₹ 7.44 lakh Cr ₹ 6.01 lakh Cr SB: 3.27% 80.77% 10.25% 9.26% 11.50% CA: 10.70% Business (YoY) RAM
Slide 6: Business Highlights (QoQ)
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Business Highlights (QOQ) Business (₹ lakh Cr) Profit (₹ in Cr) Net Interest Income (₹ in Cr) CRAR (%) 6415 13.45 5019 6389 12.44 12.61 13.25 4728 4749 4770 12.20 4502 6
Slide 7: Business Snapshot
Business Snapshot ~. 6147
Slide 8: Business Snapshot
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Business Snapshot ₹ in Cr Domestic Deposits Sl No Parameter 30.06.2024 31.03.2025 30.06.2025 QoQ (%) YoY (%) Domestic 709750 Deposits 654030 702966 1 Deposits 681183 737
Slide 9: Advances (Domestic)
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Advances (Domestic) ₹ in Cr Sector 30.06.2024 31.03.2025 30.06.2025 YoY(%) Retail 30.06.2024 31.03.2025 30.06.2025 YoY (%) Gross Advances-Domestic 502618 546283 555881 1
Slide 10: Priority Sector
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Priority Sector ₹ in Cr Achievement RBI Benchmark Mandatory Target (Excluding PSLC) Segment (as on 30.06.2025) (as % of ANBC) (Amount) Amount % Surpassed all Priority Se
Slide 11: Sector Deployment-Domestic Advances
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Sector Deployment-Domestic Advances ₹ in Cr % share % share YoY Sector 30.06.2024 to Gross 30.06.2025 to Gross (%) Advances Advances Infrastructure 57884 11.52 56752 10.
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 External Rating 30.06.2024 31.03.2025 30.06.2025 * (More than ₹10 Cr, For CRE/MSME > ₹25 Cr, LRD > ₹50 Cr) Exposure % to Total Expo
Slide 13: Standard NBFC Advances
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality ₹ in Cr Standard NBFC 30.06.2024 % 31.03.2025 % 30.06.2025 % NBFC - HFCs 16141 29% 16116 26% 15642 28% Standard NBFC NBFC - PSUs 1278 2% 4737 8% 4677 8% Advances NBFC -
Slide 14: Investments (Domestic)
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Investments (Domestic) ₹ in Cr Investment Portfolio Investment Portfolio S No Details 30.06.2024 31.03.2025 30.06.2025 YoY (%) 231604 1 SLR Investments 166707 178638 187
Slide 15: Financials
Financials 14/47
Slide 16: Operating Profit & Net Profit
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Operating Profit & Net Profit ₹ in Cr Quarter Ended Year Ended Sl No Components 30.06.2024 31.03.2025 30.06.2025 QoQ (% ) YoY (% ) 31.03.2025 1 Interest Income 15039 158
Slide 17: Income
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Income ₹ in Cr Quarter Ended Year Ended Sl No Components 30.06.2024 31.03.2025 30.06.2025 QoQ (%) YoY (%) 31.03.2025 1 Interest Income on Advances and Discount on Bills
Slide 18: Fee Income
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Fee Income ₹ in Cr Quarter Ended Year Ended Sl No Components 30.06.2024 31.03.2025 30.06.2025 QoQ (%) YoY (%) 31.03.2025 1 Transaction fees 183 212 213 0.43 16.11 881 2
Slide 19: Expenses
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Expenses ₹ in Cr Quarter Ended Year Ended Sl No Components 30.06.2024 31.03.2025 30.06.2025 QoQ (% ) YoY (% ) 31.03.2025 1 Interest on deposits 8438 8783 9227 5.06 9.36
Slide 20: Overhead Expenses
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Overhead Expenses ₹ in Cr Quarter Ended Year Ended Sl No Components 30.06.2024 31.03.2025 30.06.2025 QoQ (% ) YoY (% ) 31.03.2025 1 Rent, Taxes & Lighting 161 179 169 (5
Slide 21: Provisions & Net Profit
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Provisions & Net Profit ₹ in Cr Quarter Ended Year Ended Sl No Components 30.06.2024 31.03.2025 30.06.2025 QoQ (% ) YoY (% ) 31.03.2025 1 Operating Profit 4502 5019 4770
Slide 22: Performance Ratios
Capital & Performance Balance Balance Capital & Risk Shareholding Shareholding Asset Asset Business Business Investment Investment Financials Risk Highlights Sheet Sheet Management && Ratings Ratings Quality Quality Management Performance Ratios % Annualized Quarter Ended Year Ended Sl No Ratios 30.
Slide 23: Performance Ratios
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Performance Ratios % Annualized Cost of Deposits Yield on Advances Cost of Funds Yield on Funds 8.69 8.64 8.58 8.36 8.35 8.27 5.12 5.21 5.23 5.05 5.10 5.14 QE Jun24 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 30.06.2024 31.03.2025 30.06.2025 Capital 1347 1347 1347 Reserves & Surplus 59456 67963 71327 Deposits 681183 737154 744289 Borrowings 3
Slide 25: Capital & Risk Management
Capital & Risk Management 24/47
Slide 26: Capital & Risk Management
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Capital & Risk Management ₹ in Cr CET 1 2.09% 2.06% S No Parameters 30.06.2024 31.03.2025 30.06.2025 2.54% 0.49% 0.48% Additional 1 Common Equity Tier I (CET 1) 53054 62
Slide 27: Shareholding and Ratings
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Shareholding as on 30.06.2025 Ratings Domestic Mutual Funds: 13.26% Rating Issuer AT-I Tier-II Infrastructure Certificate Resident Individual: 2.78% Agency Rating Bond o
Slide 28: Asset Quality
Asset Quality 27/47
Slide 29: Movement of NPA
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Movement of NPA ₹ in Cr ₹ in Cr Gross NPA Net NPA S Quarter Ended Year Ended 20302 Details No 18179 30.06.2024 31.03.2025 30.06.2025 31.03.2025 18067 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 30.06.2024 31.03.2025 30.06.2025 S % to % to % to Sector Gross Gross Gross No respective respective Outstanding respective NPA NPA NPA portfolio
Slide 31: NCLT, NARCL and Covid Restructuring
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality NCLT ₹ in Cr 30.06.2025 Category No.of Exposure Provision PCR% NARCL Accounts RBI List I 6 1212 1212 100% S.No Position of Accounts with Indian Bank No. of Book RBI List
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 30.06.2024 31.03.2025 30.06.2025 % to % to % to Respective Respective Respective Sector SMA 1 SMA 2 Total Sector SM
Slide 33: Financial Inclusion
2 erm AUANAEAD ) Financial Inclusion rm. . 32147 1800 425 000 00 | @ www.indianbank.in | Follow us on: () 2 @OO
Slide 34: Financial Inclusion
Joint Venture Financial Digital Business & Regional Awards & HRM ESG Inclusion Footprint Network Subsidiaries Rural Banks Accolades Financial Inclusion FI Parameters Jun'24 Mar'25 Jun'25 1 Average Balance in PMJDY account: ₹4875 (vs ₹4662 of Industry) BCs engaged (Nos.) 11945 14667 15080 2 PMJDY A/C
Slide 35: Digital Banking & Business Network
Digital Banking & Business Network 34/47
Slide 36: Digital Transactions vs Manual Transactions
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Digital Transactions vs Manual Transactions 90% 93% 10% 7% QEQ1FY25 June 24 Q1FY26 Digital Transactions Branch Transactions 35/47
Slide 37: Expanding Digital Footprint – Q1FY26
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Expanding Digital Footprint – Q1FY26 ₹57955 Cr of Business under ~1.3x YoY growth (₹2060 Cr) ~2.2x YoY growth in amount ~2.1x YoY growth in amount Digital Platform (YoY
Slide 38: Major IT Infrastructure & Digital Initiatives
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Business Innovision Hackathon R & D Cell Braille Debit Cards Hello UPI Continuity PlanJourneys, Utilities and Processes 121 Digital 2025 Major IT Infrastructure Convers
Slide 39: Digital Banking
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Digital Banking In Cr Mobile Banking UPI Users Transactions Users Transactions 2.02 1.68 1.76 2.29 176.27 1.75 1.85 125.68 Jun-24 Jun-25 QE Jun 24 QE Jun 25 Jun-24 Jun-
Slide 40: Pan India Touch Points: 26,456
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Pan India Touch Points: 26,456 30.06.2025 Processing Centres & Verticals Population group wise (Domestic) Metro, Northern 1171, 20% Rural, Domestic Branches 5909 1993,
Slide 41: Manpower
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Domestic Average % of Female Total Male Female Manpower (As on 30.06.25) age of staff staff Position Officers 26427 18791 7636 38 29 Clerks 12441 7918 4523 38 36 Sub-st
Slide 42: ESG, Group Entities & Awards
ESG, Group Entities & Awards 41/47
Slide 43: Environmental and Social Initiatives
Joint Venture Financial Digital Business & Regional Awards & HRM ESG Inclusion Footprint Network Subsidiaries Rural Banks Accolades ▪ Installed Lighting sensors in Corporate/Head Office Premises Environmental ▪ LED Light fittings installed in all Branches/ Offices for Energy Conservation Social ▪ Im
Slide 44: Joint Venture and Subsidiaries
Financial Joint Digital Business Regional Awards & Inclusion HRM ESG Venture & Footprint Network Rural Banks Accolades Subsidiaries Joint Venture Subsidiary Wholly Owned Subsidiary ▪ In the business of Stock Broking & DP ▪ Incorporated on 09.02.2024 ▪ Consortium of credible Public & Private Corporat
Slide 45: Regional Rural Banks
Joint Financial Digital Business Regional Awards & HRM ESG Venture & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Regional Rural Banks ₹ in Cr Tamil Nadu Grama Bank Puduvai Bharathiar Grama Bank Total Parameters QE QE QE FY25 FY25 FY25 Jun-24 Jun-25 YoY (%) Jun-24 Jun-25 YoY (%) Ju
Slide 46: Awards & Accolades
Joint Financial Digital Business Regional Awards & HRM ESG Venture & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Digital Payments Awards 2023-24 From Ministry of Finance ❖ For outstanding performance in Digital Payments (PSB) – Awards & Winner: Overall Data Quality 3rd Position Re
Slide 47: 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 48: Thank You
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