Indian Bank announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: Net Profit up by 32% YoY at Rs 2,956 crore in Mar’25 from Rs 2,247 crore in Mar’24. Operating Profit improved by 17% YoY to Rs 5,019 crore in Mar’25 from Rs 4,305 crore in Mar’24. Net Interest Income increased by 6% YoY to Rs 6,389 crore in Mar’25 from Rs 6,015 crore in Mar’24. Return on Assets (RoA) up by 22 bps to 1.37% in Mar’25 from 1.15% in Mar’24. Return on Equity (RoE) increased by 195 bps to 21.01% in Mar’25 from 19.06% in Mar’24. Yield on Investments (YoI) increased by 35 bps to 7.23% in Mar’25 from 6.88% in Mar’24. Cost-to-Income Ratio reduced by 294 bps to 45.05% in Mar’25 from 47.99% in Mar’24. Yield on Advances (YoA) stood at 8.64% in Mar’25. Gross Advances increased by 10% YoY to Rs 5,88,140 crore in Mar’25 from Rs 5,33,773 crore in Mar’24. RAM (Retail, Agriculture & MSME) advances grew by 13% YoY to Rs 3,50,876 crore in Mar’25 from Rs 3,09,918 crore in Mar’24. RAM contribution to gross domestic advances stood at 64.23%. Retail, Agri & MSME advances grew by 14%, 14% and 12% YoY, respectively. Home Loan (including mortgage) grew by 12% YoY in Mar’25. Priority sector advances as a percentage of ANBC stood at 44% (Rs 2,04,230 crore)in Mar’25 as against the regulatory requirement of 40%. Total Deposits increased by 7% YoY and reached to Rs 7,37,154 crore in Mar’25 as against Rs 6,88,000 crore in Mar’24. Domestic CASA ratio stood at 40.17% as on 31st Mar’25. CD ratio stood at 79.79% as on 31st Mar’25. GNPA% decreased by 86 bps YoY to 3.09% in Mar’25 from 3.95% in Mar’24, NNPA% reduced by 24 bps to 0.19% in Mar’25 from 0.43% in Mar’24. Provision Coverage Ratio (PCR, including TWO) improved by 176 bps YoY to 98.10% in Mar’25 from 96.34% in Mar’24. Slippage Ratio improved by 2 bps to 1.09% in Mar’25 from 1.11% in Mar’24. Capital Adequacy Ratio improved by 150 bps to 17.94%. CET-I improved by 184 bps YoY to 15.36%, Tier-I Capital improved by 182 bps YoY to 15.85% in Mar’25. Earnings Per Share (EPS) increased by 32% to Rs 87.78 in Mar’25 from Rs 66.73 in Mar’24. FY25 Financial Highlights: Net Profit up by 35% YoY to Rs 10,918 crore in FY25 from Rs 8,063 crore in FY24. Operating Profit increased by 13% YoY to Rs 18,998 crore in FY25 from Rs 16,840 crore in FY24. Net Interest Income grew by 8% YoY to Rs 25,176 crore in FY25 from Rs 23,274 crore in FY24. Fee based income grew by 7% YoY to Rs 3,528 crore in FY25 from Rs 3,298 crore in FY24. Net Interest Margin (NIM) Domestic stood at 3.51% in FY25. Yield on Advances (YoA) up by 3 bps to 8.75% in FY25 from 8.72% in FY24. Yield on Investment (YoI) improved by 37 bps to 7.17% in FY25 from 6.80% in FY24. Return on Assets (RoA) improved by 25 bps to 1.32% in FY25 from 1.07% in FY24. Return on Equity (RoE) increased by 152 bps to 20.76% in FY25 from 19.24% in FY24. Cost-to-Income Ratio reduced by 115 bps to 44.77% in FY25 from 45.92% in FY24. Slippage Ratio improved by 38 bps to 1.11% in FY25 from 1.49% in FY24. Credit Cost decreased by 11 bps to 0.66% in FY25 from 0.77% in FY24. Network: The Bank has 5901 domestic branches (including 3 DBUs), out of which 1992 are Rural, 1555 are Semi-Urban, 1182 are Urban & 1172 are in Metro category. The Bank has 3 overseas branches & 1 IBU (Gift City Branch). The Bank has 5268 ATMs & BNAs and 14667 Business Correspondents (BCs). Digital Banking: In FY25, Rs 1,67,390 crore in business was generated through Digital Channels. A total of 121 Digital Journeys, Utilities, and Processes have been launched so far. Mobile Banking users have grown by 16% YoY, reaching 1.94 crore in FY25. UPI users and Net Banking Users have seen a 25% and 8% YoY increase, respectively, reaching 2.18 crore and 1.15 crore in the same period. Credit Card users increased by 25% YoY to 2.78 lakh. Transactions in Point of Sale (PoS) terminals increased by 13% YoY, reaching 128 lakh in FY25. Result PDF