Indian Bank (INDIANB) investor relations material

Executive summary

• Achieved strong year-over-year growth in deposits (12.29%) and advances (13.43%), with RAM sector advances up 15.28% and corporate advances up 9.19%.

• Net profit for FY26 rose 11.33% to INR 12,156 crore, with operating profit up 4.83% to INR 19,916 crore.

• Asset quality improved: gross NPA reduced to 1.98% (down from 3.09%), net NPA at 0.15%.

• Board approved audited results, recommended a dividend of ₹18.25 per share, and approved an equity capital raise up to ₹5,000 crore.

• Digital business expanded significantly, with digital adoption in retail and agri loans reaching 97%.

Financial highlights

• Deposits grew to ₹8.28 lakh crore and advances to ₹6.67 lakh crore for FY26.

• Net Interest Income for FY26 was ₹26,915 crore, up 6.91% YoY; NIM for FY26 at 3.24%.

• Operating profit for FY26 reached ₹19,916 crore; net profit for Q4 was ₹3,103 crore.

• Cost-to-income ratio for FY26 stood at 46.03%; RoA at 1.31%.

• Standalone capital adequacy ratio (Basel III) at 17.93% as of March 31, 2026.

Outlook and guidance

• FY27 guidance: deposit growth 9%-11%, advance growth 11%-13%, CASA ~40%, CDR ~80%.

• Gross NPA expected between 1.50%-1.60%, net NPA below 0.20%, NIM 3.10%-3.25%, ROA 1.20%-1.30%.

• Board approved raising up to ₹5,000 crore in equity capital.

• Focus remains on maintaining asset quality and margins, even if growth is slightly below industry.