Indusind Bank Ltd. · NSE:INDUSINDBK
Indusind Bank — Q4 FY25 Earnings Presentation
47 slides from Indusind Bank's earnings presentation, May 21, 2025
Slide 1: Cover letter to stock exchanges
May 21, 2025 National Stock Exchange of India Limited (Symbol: INDUSINDBK) BSE Limited (Scrip Code: 532187) Luxembourg Stock Exchange Madam / Dear Sir, Sub.: Investor Presentation on the Audited Standalone and Consolidated Financial Results of the Bank for the quarter and financial year ended March
Slide 2: Investor Presentation Q4-FY25
Investor Presentation Q4-FY25 | MARCH 2025 MAY 21, 2025
Slide 3: IndusInd Bank at a Glance
IndusInd Bank at a Glance 5th Largest Private Bank ₹ 3,45,019 crs ₹ 4,10,862 crs 41 mn 7,174 with Disproportionately Loans Deposits Customers Group Network Large Distribution Network Diversified Across Products and Geographies` Across Segments Pan India Universal Banking Approach 58:42 Loan Mix 33%
Slide 4: Key Financial Highlights for Q4 FY25
Key Financial Highlights for Q4 FY25 Loans Deposits CASA Term Deposits Total Assets Balance ₹ 3,45,019 crs ₹ 4,10,862 crs ₹ 1,34,789 crs ₹ 2,76,073 crs ₹ 5,54,107 crs Sheet 1% YoY (6)% QoQ 7% YoY - QoQ (7)% YoY (6)% QoQ 16% YoY 4% QoQ 8% YoY 1% QoQ Net Interest Income Total Other Income Revenue Oper
Slide 5: Consolidated Balance Sheet
Consolidated Balance Sheet ₹ crs Q4FY25 Q4FY24 Y-o-Y (%) Q3FY25 Q-o-Q (%) Capital & Liabilities Capital 779 778 - 779 - Reserves and Surplus 64,057 62,429 3% 66,327 (3)% Deposits 4,10,862 3,84,586 7% 4,09,438 - Borrowings 53,704 47,611 13% 50,087 7% Other Liabilities and Provisions 24,705 19,690 25%
Slide 6: Consolidated Profit and Loss Account – Q4 FY25 and 12M FY25
Consolidated Profit and Loss Account – Q4 FY25 and 12M FY25 ₹ Crore Q4FY25 Q4FY24 Y-o-Y (%) Q3FY25 Q-o-Q (%) 12M FY25 12M FY24 Y-o-Y (%) Net Interest Income 3,048 5,376 (43)% 5,228 (42)% 19,031 20,616 (8)% Other Income 709 2,508 (72)% 2,355 (70)% 7,690 9,396 (18)% Total Income 3,757 7,854 (52)% 7,58
Slide 7: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 8: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 9: Well Diversified Loan Book across Consumer and Corporate Products
Well Diversified Loan Book across Consumer and Corporate Products Loan Book Mix (₹ crs) (₹ crs) 3,43,298 3,47,898 3,57,159 3,66,889 3,45,019 Consumer Banking Mar-25 % Vehicle Finance 95,595 28% Commercial Vehicle 35,679 11% 44% 45% 47% 46% 42% PV 29,631 9% Small CV 4,311 1% 56% 55% 53% 54% 58% Two-W
Slide 10: Vehicle Finance: Granular Portfolio Across Vehicle Categories
Vehicle Finance: Granular Portfolio Across Vehicle Categories Overview of Vehicle Finance Division Diversified Vehicle Loan Book across Vehicle Categories (%) Small CV Tractor Two Wheelers 4% 8% 6% Market Leader Construction CV 35+ Years of Vintage Focus on Business in Most Products Equipment 37% Ac
Slide 11: Micro Loans: Bridging the Financial Inclusion Gap
Micro Loans: Bridging the Financial Inclusion Gap Micro Loan Book (₹ crs)* 39,192 37,046 32,723 32,564 1.62K Villages 30,909 2nd Largest 12 mn (21)% YoY Micro Finance BFIL Customers covered across 22 Lender States (5)% QoQ Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Average Loan Outstanding per Borrower
Slide 12: Micro Loans: Additional Disclosures (1/2)
Micro Loans: Additional Disclosures (1/2) 12M FY25 Q4 FY25 Up to 6 M 6-12 M 60% 63% 5% Up to 6 M 6-12 M 5% of Disbursements 3% of Disbursements 12-24 M 3% 12-24 M 9% Towards Centers 11% Towards Centers with >5 Years Vintage 24-36 M with >5 Years Vintage 24-36 M 10% 9% Disbursements Across Centers by
Slide 13: 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* Fresh Flows - Ex Karnataka * Standard Overdue Book (0+ DPD to NPA) 484 417 99.8% 99.4% 99.3%
Slide 14: Corporate Portfolio – Focus on Granular, Higher Rated Customers
Corporate Portfolio – Focus on Granular, Higher Rated Customers Corporate Loan Book (₹ crs) Improving Risk Profile * BB+ & Below BBB-, BBB, BBB+ A-, A, A+ AA-, AA, AA+ AAA 1,66,118 1,70,236 1,52,053 1,57,273 1,43,463 25% 24% 23% 20% (6)% YoY 28% 30% 29% 30% (16)% QoQ 26% 25% 26% 28% 19% 19% 18% 20%
Slide 15: Non-Vehicle Retail Loans – Risk Calibrated Growth Strategy
Non-Vehicle Retail Loans – Risk Calibrated Growth Strategy Business Banking (₹ crs) Loan Against Property (₹ crs) 18,232 12,387 17,499 17,769 11,986 16,732 16,683 11,169 11,401 10,811 9% YoY 15% YoY 3% QoQ 3% QoQ Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Credit Cards (₹ c
Slide 16: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 17: Deposit Strategy Driven by Granular Retail Deposits
Deposit Strategy Driven by Granular Retail Deposits Deposits (₹ crs) Retail Deposits as per LCR (₹ crs)* Retail Deposits Share of Retail Deposits (%) 46% 45% 44% 44% 44% 4,12,397 4,09,438 4,10,862 3,98,513 3,84,586 9% YoY 7% YoY 1,69,457 1,74,245 1,81,911 1,88,731 1,85,180 (2)% QoQ - QoQ Q4 FY24 Q1
Slide 18: Healthy Share of CASA; Strong Liquidity Profile
Healthy Share of CASA; Strong Liquidity Profile CASA (₹ crs) CA (₹ crs) CASA Share of CASA % CA Share of CA % 38% 37% 36% 35% 13% 11% 10% 33% 12% 12% 1,45,666 1,46,134 1,47,944 1,42,818 52,606 1,34,789 46,989 48,475 45,872 40,764 (7)% YoY (13)% YoY (6)% QoQ (11)% QoQ Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25
Slide 19: Borrowings Constituted by Long Term Sources
Borrowings Constituted by Long Term Sources Borrowings (₹ crs) Borrowings Mix (%) Borrowings (₹ Cr) % of Total Liabilities Short-Term FCY Infrastructure Bonds Money Market (less than 12 Tier 2 Bonds 3% 12% months) 6% 3% 9% 8% 8% 9% 10% 53,704 50,087 47,611 44,716 44,169 Long-Term FCY Refinance from
Slide 20: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 21: Strong Product Groups with Efficient Capital Deployment
Strong Product Groups with Efficient Capital Deployment Low RWA Consumption (₹ crs) LC-BG Mix LC - Usance Notional Amount Risk Weighted Assets 11% ▪ One of the largest treasuries LC - Sight 5% in Indian banks with best-in- class risk management Financial Guarantees 44% systems 13,16,304 0.1%# 0.3%#
Slide 22: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 23: Yield / Cost Movement
Yield / Cost Movement Yield on Assets Yield on Advances 12.21% Cost of Deposits Cost of Funds 9.45% 9.63% 7.85% 6.50% 6.58% 5.60% 5.70% Q4FY25 Q3FY25 Segment-wise Yield: Q4 FY25 Q3 FY25 Outstanding (₹ crs) Yield (%) Outstanding (₹ crs) Yield (%) Corporate Banking 1,43,463 8.07% 1,70,236 8.80% Consum
Slide 24: Diversified Fee and Other Income Streams
Diversified Fee and Other Income Streams ₹ crs Q4FY25 Q4FY24 Y-o-Y(%) Q3FY25 Q-o-Q(%) Trade and Remittances 255 239 7% 266 (4)% Foreign Exchange Income 242 235 3% 266 (9)% Cards and Distribution Fees 1,220 864 41% 662 84% General Banking Fees 52 294 (82)% 318 (84)% Loan Processing Fees 525 630 (17)%
Slide 25: Key Financial Indicators
Key Financial Indicators Net Interest Margin (%) Total Fee to Asset Ratio (%) 4.26% 4.25% 4.08% 3.93% 2.0% 1.9% 1.7% 1.8% 2.25% 0.5% Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Cost to Income Ratio (%) Operating Profit Margin (%) % of Average Loans % of Average As
Slide 26: Key Financial Indicators
Key Financial Indicators Return on Assets* (%) Return on Equity* (%) 1.90% 1.70% 15.23% 13.52% 1.00% 1.03% 8.11% 8.45% -14.12% -1.74% Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Earning Per Share * (₹) Net Worth (₹ crs) 120.8 111.5 61,445 63,815 63,888 65,102 62,5
Slide 27: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 28: Movement in Non-Performing Assets
Movement in Non-Performing Assets Q4FY25 Q3FY25 ₹ crs Corporate Consumer Total Corporate Consumer Total Opening Balance 2,484 5,892 8,375 2,283 5,356 7,639 Fresh Additions 220 4,794 5,014 280 1,920 2,200 Deductions 98 2,245 2,343 80 1,384 1,464 -Write-offs 6 1810 1,816 13 971 984 -Upgrades 41 175 21
Slide 29: NPA Composition – Consumer Banking
NPA Composition – Consumer Banking (₹ crs) Micro Q4 FY25 CV CE Small CV TW PV Tractor BBG/LAP Cards Others Total Loans Gross NPA 546 123 84 503 159 257 968 366 4,531 904 8,441 Gross NPA % 1.52% 0.95% 1.93% 9.17% 0.54% 3.31% 3.11% 3.27% 13.18% 2.66% 4.08% Micro Q3 FY25 CV CE Small CV TW PV Tractor BB
Slide 30: Loan Related Provisions held as on March 31, 2025
Loan Related Provisions held as on March 31, 2025 ▪ Specific provision of ₹ 7,689 crs for non-performing accounts (towards PCR) ▪ Floating provisions of ₹ 70 crs (towards PCR) ▪ Standard asset provisions of ₹ 1,791 crs including restructured ▪ Provision Coverage Ratio at 70% and total loan related p
Slide 31: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 32: Healthy Capital Adequacy
Healthy Capital Adequacy CET1 Ratio (%) 15.82% 16.15% Capital Adequacy 15.21% 15.18% 15.10% ₹ crs 31 Mar 25 31 Dec 24 Credit Risk, CVA and UFCE 3,59,224 3,71,169 Market Risk 7,813 9,287 Operational Risk 52,498 48,709 Total Risk Weighted Assets 4,19,535 4,29,165 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Cor
Slide 33: Shareholding Pattern and Credit Ratings
Shareholding Pattern and Credit Ratings Diversified Shareholding Credit Ratings Domestic Rating: NRIs/ Director/ GDR issue Others 4.68% ▪ CARE A1+ for Certificate of Deposits 2.74% Promoters ▪ CRISIL A1+ for certificate of deposit program / short term FD 15.08% Individuals 10.95% programme ▪ CRISIL
Slide 34: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 35: Disproportionately Large Distribution Network with Unparalleled Rural Presence
Disproportionately Large Distribution Network with Unparalleled Rural Presence Distribution Network with Deep Rural Presence Strengthening Distribution Infrastructure Mar 31, June 30, Sep 30, Dec 31, Mar 31, Particulars 2024 2024 2024 2024 2025 ~41 mn ~1,62,000 Branches/Banking Outlets 2,984 3,013 3
Slide 36: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 37: INDIE mobile banking app continues to scale
IndusInd Bank’s flagship mobile banking app INDIE continues to scale with positive impact on customers adopting the upgraded app (#BetterWayToBank) Top 3 by Rating on Play Recognized as #1 Finance App Strong impact on liabilities per client from Store and App Store on App Store Top Charts adopters –
Slide 38: INDIE for Business: Better Business Banking is Here
INDIE for Business: Better Business Banking is Here 4.2 4.4 50,000+ registered customers 1.2% of customers active on bill Coming Soon: payments already cross-border payments redefined for Monthly transacting % of 75% businesses +3% CA deepening in clients migrated CA clients registered have >2X ATS
Slide 39: Easy Credit continued to scale as a platform
Easy Credit continued to scale as a platform 1.2 Mn applications processed each month ; YoY growth of 39% Digitized KYC and Fraud checks 15 Mn Applications Processed annually across products Integrated with AA / Bureau / GST / ULI 100% of personal loans and credit cards originated digitally Machine
Slide 40: Direct Digital Business continues to scale with quality
Direct Digital Business continues to scale with quality Customer Data Model with 20,000+ Credit Cards 80,000+ FDs 500+ customer attributes opened each month opened each month across 23 Mn clients bank wide 40,000+ Over 500+ campaigns and Savings Accounts 2200 Cr+ fixed deposits 1 Bn+ personalised nu
Slide 41: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Healthy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Net
Slide 42: ESG highlights for Q4 of FY25
ESG highlights for Q4 of FY25 CRISIL SES S&P Global The SEBI approved ESG rating The Bank has received a CRISIL provider (ERP), SES ESG The Bank has been assigned an ESG rating of 67/ 100 as of 20th Mar Research Pvt. Ltd. has assigned S&P Global ESG Score of 51, as 2025, maintaining our position as
Slide 43: Key Strengths of the Bank
Key Strengths of the Bank Diversified Robust Strong Profitability Metrics Stable Loan Book with Domain Liability Franchise Product Groups Asset Quality Expertise in Livelihood with Conservative Loans Provisioning Heathy Diversified Executing Digital ESG Experienced Capital Adequacy Distribution Netw
Slide 44: Board of Directors with Diverse Expertise
Board of Directors with Diverse Expertise Name Nature of Directorship Special Knowledge /Expertise Prior Experience Mr. Sunil Mehta has over forty years of proven leadership experience in banking, financial services, insurance and investments with leading global and domestic financial institutions.
Slide 45: Experienced and Well-knit Management Team
Experienced and Well-knit Management Team Name Designation Exp (Yrs) Prior Experience Career banker with years of rich experience in large multi-national banks such as Citibank, Bank of Mr. Sumant Kathpalia* Managing Director & CEO 37+ America and ABN AMRO Mr. Arun Khurana** Executive Director, Depu
Slide 46: Awards & Accolades
Awards & Accolades IndusInd Bank was bestowed with the IndusInd Bank won the 12th edition of FICCI Runner-up award at the 7th ICC Social Impact IndusInd Bank was certified a Great Water Awards 2024 under the category of Awards 2025 under the category of Place To Work for the 3rd consecutive Communit
Slide 47: 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