Indian Bank Financial Results

Total business increased by 14.22%, reflecting broad-based momentum across all the segments Gross Advances grew by 16.39% YoY, led by strong traction in Retail, Agriculture and MSME (RAM) portfolios Deposits rose by 12.50%, supported by a healthy CASA ratio of 39.36% Bank strategically reduced its Bulk deposit (including CD) by 5.60% on QoQ basis, from ₹1.62 lakhCr in Jun’26 to ₹1.52 lakhCr in Sep’26 Bank has mobilized fresh FCNR(B) Deposits amounting to ₹22486Cr. It has also raised OFCB of ₹3806 Cr Net profit recorded a growth of14.71% YoY, reflecting improved operational efficiency, steady NIM and disciplined cost management Operating profit grew by46.58% YoY The bank’s non-interest income (NII)registered a strong growth of 59% YoY, reaching ₹3,953 Cr for the quarter ended September 2026 The Bank’s cost-to-income ratio improved by 723 bps to 39.25% in Sep’ 2026from 44.80% in Jun’26 Asset quality strengthened further, with GNPA improving to 1.61% and NNPA to 0.14% Key Highlights (Quarter ended Sep’26 over Sep’25) Digital adoption reached 96% of total transactions, showcasing technology-led customer engagement Net Profit up by 71% YoY at ₹3462Cr in Sep’26 from ₹3018Crin Sep’25 Operating Profit improved by 58% YoY to ₹7090Cr in Sep’26 from ₹4837Crin Sep’25 Net Interest Income increased by 83% YoY to ₹7719 Cr in Sep’26 from₹6551 Cr in Sep’25 Return on Assets (RoA) stood at 31%, Return on Equity (RoE) at19.65% in Sep’26 Yield on Advances (YoA)stood at 17% in Sep’26 Cost of Depositstood at89% in Sep’26 Gross Advances increased by 39% YoY to ₹721982Crin Sep’26 from₹620324 Crin Sep’25 RAM (Retail, Agriculture & MSME) advances grew by 74% YoY to ₹442302Cr in Sep’26 from ₹375660 Crin Sep’25 RAM contribution to gross domestic advances stood at 04%. Retail, Agri & MSME advances grew by 17.37%,17.18% and 19.06% YoY respectively. Home Loan (including mortgage) grew by 12.33% YoY in Sep’26 Priority sector advances as a percentage of ANBC stood at 67% at ₹257647Crin Sep’26 as against the regulatory requirement of 40% Total Deposits increased by 50% YoY and reached to ₹874036Crin Sep’26 as against ₹776946 Crin Sep’25. Current, Savings & CASA deposits grew by27.48%,11.55%, and 13.77% YoY respectively Domestic CASA ratio stood at 36% as on 30thSep’26 CD ratio stood at60% as on 30thSep’26 GNPA decreased by 99 bps YoY to 61% in Sep’26 from 2.60% inSep’25,NNPA reduced by 2 bps to 0.14% inSep’26from 0.16% in Sep’25 Provision Coverage Ratio (PCR, including TWO) stood at22% in Sep’26 Slippage Ratio contained to 69% in Sep’26 in comparison to 0.79% in Sep’25 Capital Adequacy Ratio stood at 21%. CET-I stood at 15.18% and Tier I Capitalat 15.18% in Sep’26 Key Highlights (Quarter ended Sep’26 over Jun’26) Earnings Per Share (EPS) increased to ₹102.82 in Sep’26 from ₹89.63in Sep’25 Net Profit up by 77% QoQ to ₹3462Crin Sep’26 from ₹3273Cr in Jun’26 Fee based income grew by 76% QoQ to ₹1030 Cr in Sep’26 from ₹930 Cr in Jun’26 Yield on Investments (YoI) improved by 2 bps QoQ to98% in Sep’26 from 6.96% in Jun’26 Cost to income ratio improved by555 bpsto25% in Sep’26 from 44.80% in Jun’26 Net Interest Margin (NIM) Domestic stood at42%in Sep’26 GNPA decreased by 25 bps to 61% in Sep’26 from 1.86% inJun’26,NNPA reduced by 1 bps to 0.14% inSep’26from 0.15% in Jun’26 Key Highlights (Half Year ended Sep’26 over Sep’25) Net Profit up by 42% YoY to ₹6735 Cr inH1FY27from ₹5991Cr in H1FY26 Operating Profit grew by 65% YoY to ₹12647 Crin H1FY27 from ₹9607 Crin H1FY26 Net Interest Income up by 38% YoY to ₹15154 Crin H1FY27 from ₹12910Cr in H1FY26 Net Interest Margin (NIM) Domestic stood at41%in H1FY27, improvement of 6bps over H1FY26 level of 3.35% Return on Assets (RoA) stood at 1.31 in H1FY27 Credit Cost improved by5 bps YoY to22% in H1FY27 from0.27% in H1FY26 Return on Equity (RoE)stood at 57% in H1FY27 Network: The Bank has 6017 domestic branches (including 3 DBUs), out of which 2013 are Rural, 1611 are Semi-Urban, 1196are Urban &1197are in Metro category. The Bank has 3 overseas branches &1 IBU (Gift City Branch). The Bank has 5678ATMs & BNAs and 18,379Business Correspondents (BCs). Digital Banking: Business of ₹1,45,344 Cr has been generated through Digital Channelsin H1FY27. A total of 164Digital Journeys, Utilities and Processes have been launched so far and accounts for 31%. Number of Mobile Banking usershas grown by 26% YoY, reaching 66 Cr. UPI users and Net Banking users have witnessed an increase of 20% &2% YoY reaching 89 Cr and 1.20 Cr respectively. Fastag& POS users increased by 135% & 50% respectively. Awards & Accolades: The Bank was declared winner of the “Best PSB Award 2024-25” by Financial Express. The MD & CEO of the Bank received “CEO of the Year” award at Tamil Nadu Business Leader of the Year, 2025. Indian Bank has been awarded the APY Annual Award of Excellence for achieving 104% of APY target in FY26. The Bank received prestigious SKOCH Golden Award for “IB SAATHI” and Silver Award for “Security Operations”. The Bank was awarded the second prize in the prestigious Rajbhasha Kirti Puraskar for FY 2024-25. The Bank was declared the winner of the “Golden Peacock Award for Excellence in Artificial Intelligence” for the year 2026. The Chief Financial Officer of Indian Bank was honoured as the Best CFO in the Bank (Mid Cap category) at DSIJ’s 2026 CFO Awards. The Bank has been declared winner under “Overall Performance-Bank” in the class of Best Public Sector Bank (Medium) at the Our Focus Our goal is to make daily banking simple, quick, and accessible for all our customers. We are continuously improving our digital platforms and streamlining processes to deliver transparent, hassle-free services. By keeping customer convenience at the center of our digital growth, we aim to be the most trusted banking partner for individuals, farmers, and businesses alike.