Indian Bank announced Q3FY25 results Net Profit up by 35% YoY at Rs 2,852 crore in Q3FY25 from Rs 2,119 crore in Q3FY24. Operating Profit improved by16% YoY to Rs 4,749 crore in Q3FY25 from Rs 4,097 crore in Q3FY24. Net Interest Income increased by 10% YoY to Rs 6,415 crore in Q3FY25 from Rs 5,815 crore in Dec'23. Fee based income grew by 9% YoY to Rs 931 crore in Q3FY25 from Rs 852 crore in Dec'23. Return on Assets (RoA) up by 28 bps to 1.39% in Q3FY25 from 1.11% in Q3FY24. Return on Equity (RoE) increased by 108 bps to 21.00% in Q3FY25 from 19.92% in Dec'23. Yield on Advances (YoA) up by 14 bps to 8.92% in Q3FY25 from 8.78% in Dec'23. Yield on Investments (Yol) increased by 32 bps to 7.12% in Q3FY25 from 6.80% in Q3FY24. Cost-to-Income Ratio reduced by 234 bps to 44.56% in Q3FY25 from 46.90% in Dec'23. Gross Advances increased by 10% YoY to Rs 5,59,199 crore in Q3FY25 from Rs 5,09,800 crore in Dec'23. RAM (Retail, Agriculture & MSMEJ advances grew by 13% YoY to Rs 3,34,739 crore in Q3FY25 from Rs 2,96,845 crore in Q3FY24. RAM contribution to gross domestic advances stood at 64.35%. Retail, Agri & MSME advances grew by 16%, 13.5% and 8% YoY respectively. Home Loan (including mortgage)grew by 12% YoY in Q3FY25. Priority sector advances as a percentage of ANBC stood at 43.85% (Rs 1,92,761 crore) in Q3FY25 as against the regulatory requirement of 40%. Total Deposits increased by 7% YoY and reached to Rs 7,02,282 crore in Q3FY25 as against Rs 6,54,154 crore in Q3FY24. Current,Savings & CASA depositsgrew by 5%,3.5%,and 4% YoY respectively. Domestic CASA ratio stood at 40% as on Q3FY25. CD ratio stood at 79.63% as on Q3FY25. GNPA% decreased by 121 bps YoY to 3.26% in Q3FY25 from 4.47% in Q3FY24, NNPA% reduced by 32 bps to 0.21% in Q3FY25 from 0.53% in Q3FY24. Provision Coverage Ratio (PCR, including TWO) improved by 219 bps YoY to 98.09% in Q3FY25 from 95.90% in Q3FY24. Slippage Ratio improved by 50 bps to 0.78% in Q3FY25 froml.28% in Dec'23. Capital Adequacy Ratio improved by 34 bps to 15.92%. CET-I improved by 91 bps YoY to 13.27%, Tier I Capital improved by 89 bps YoY to 13.77% in Q3FY25. Earnings Per Share (EPS) increased by 26% to 184.70 in Q3FY25 from 167.12 in Dec'23. Result PDF