)
Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
Indian Bank
Indian Bank (INDIANB) investor relations material
Indian Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary22 Jan, 2026
Executive summary
Total business grew 13.34% YoY to ₹14.30 trillion, with deposits at ₹7.91 trillion (up 12.62% YoY) and advances at ₹6.39 trillion (up 14.24% YoY); CASA ratio at 39.08% as of December 2025.
Net profit for Q3FY26 rose 7.33% YoY to ₹3,061 crore, with operating profit up 5.79% YoY to ₹5,024 crore; net interest income increased 7.50% YoY to ₹6,896 crore.
Digital business footprint expanded 66% YoY, with digital transactions at 94% of total transactions.
Asset quality improved, with GNPA at 2.23% (down 103 bps YoY) and NNPA at 0.15% (down 6 bps YoY); provision coverage ratio at 98.28%.
Unaudited standalone and consolidated financial results for Q3 and nine months ended December 31, 2025, were reviewed and approved by the Board on January 22, 2026.
Financial highlights
Interest income for Q3FY26 grew 8.50% YoY to ₹17,098 crore; non-interest income rose 19.24% YoY to ₹2,566 crore.
Cost-to-income ratio at 46.90%, credit cost at 0.21%, and return on assets at 1.30% for Q3FY26.
Standalone capital adequacy ratio (Basel III) at 16.58%; consolidated at 16.76%.
Earnings per share (EPS) for Q3FY26 at ₹90.92; book value per share at ₹484.00.
Gross NPA reduced to 2.23%, net NPA at 0.15%.
Outlook and guidance
Guidance to maintain gross NPA below 2% and net NPA at or below 0.5%.
Credit growth expected to sustain at 12-13%, with a cautious approach to risk.
Continued focus on digital transformation, financial inclusion, and expanding digital business, with digital business targeted to reach 50% of total business in 2-3 years.
NIM and ROA expected to remain strong, though minor moderation possible due to deposit repricing and rate cuts.
Strong growth in digital lending products, including vehicle, home, MSME, and jewel loans.
What was the carrying value of SGB investment?
What is the rationale for AT1 bond repayment?
What is the total exposure to delayed projects?
ECL absorption timeline and strategy
Digital investment ROI and desired impact
CASA strategy amid rising bulk deposit rates
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Indian Bank earnings date
Q4 25/262 May, 2026
Indian Bank
Next Indian Bank earnings date
Q4 25/262 May, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage