Indian Bank announced Q1FY26 results Net Profit up by 23.69% YoY at Rs 2,973 crore in Jun’25 from Rs 2,403 crore in Jun’24. Operating Profit improved by 5.97% YoY to Rs 4,770 crore in Jun’25 from Rs 4,502 crore in Jun’24. Net Interest Income increased by 2.93% YoY to Rs 6,359 crore in Jun’25 from Rs 6,178 crore in Jun’24. Return on Assets (RoA) up by 14 bps to 1.34% in Jun’25 from 1.20% in Jun’24. Return on Equity (RoE) increased by 50 bps to 20.26% in Jun’25 from 19.76% in Jun’24. Yield on Advances (YoA) stood at 8.58% and Yield on Investments (YoI) at 6.96% in Jun’25. Gross Advances increased by 11.50% YoY to Rs 6,01,147 crore in Jun’25 from Rs 5,39,123 crore in Jun’24. RAM (Retail, Agriculture & MSME) advances grew by 15.93% YoY to Rs 3,63,221 crore in Jun’25 from Rs 3,13,301 crore in Jun’24. RAM contribution to gross domestic advances increased to 65.34%. Retail, Agri & MSME advances grew by 16.56%, 16.40% and 14.45% YoY respectively. Home Loan (including mortgage) grew by 10.65% YoY. Priority sector advances as a percentage of ANBC stood at 44.73% at Rs 2,11,203 crore in Jun’25 as against the regulatory requirement of 40%. Total Deposits increased by 9.26% YoY and reached to Rs 7,44,289 crore in Jun’25 as against Rs 6,81,183 crore in Jun’24. Domestic CASA ratio stood at 38.97% as on 30th Jun’25. CD ratio stood at 80.77% as on 30th Jun’25. GNPA decreased by 76 bps YoY to 3.01% in Jun’25 from 3.77% in Jun’24, NNPA reduced by 21 bps to 0.18% in Jun’25 from 0.39% in Jun’24. Provision Coverage Ratio (PCR, including TWO) improved by 154 bps YoY to 98.20% in Jun’25 from 96.66% in Jun’24. Slippage Ratio contained to 0.94% in Jun’25 in comparison to 1.50% in Jun’24. Credit Cost improved by 43 bps YoY to 0.28% in Jun’25 from 0.71% in Jun’24. Capital Adequacy Ratio stood at 17.80%. CET-I at 15.26% and Tier I Capital stood at 15.74% in Jun’25. Earnings Per Share (EPS) increased by 23.69% to Rs 88.28 in Jun’25 from Rs 71.37 in Jun’24. Result PDF
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
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