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IndusInd Bank
IndusInd Bank (INDUSINDBK) investor relations material
IndusInd Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary23 Jan, 2026
Executive summary
Focused on right-sizing the balance sheet, retailization, digital innovation, and robust asset/liability management, with growth capital allocated to core areas.
Leadership team strengthened with key hires across business and support functions, and a new chairman with extensive industry experience appointed.
Three-year PACE strategy introduced to protect core strengths, accelerate priorities, enhance customer centricity, and drive execution excellence.
Unaudited consolidated and standalone financial results for Q3 FY26 approved by the Board, with an unqualified review report from joint statutory auditors.
Results include IndusInd Bank, Bharat Financial Inclusion Limited, and IndusInd Marketing and Financial Services Private Limited.
Financial highlights
Pre-provision operating profit for Q3 FY26 at ₹2,26,962 lakhs, up 11% QoQ but down from ₹3,60,065 lakhs YoY.
Net interest income at ₹4,562 crore; reported NIM 3.52%, normalized NIM 3.35%.
Consolidated net profit for Q3 FY26 was ₹12,798 lakhs, rebounding from a net loss in Q2 FY26.
Provisions and contingencies at ₹2,09,577 lakhs; loan write-offs of ₹2,612 crore.
Core fee income at ₹1,575 crore, up 2% QoQ; total income for Q3 FY26 was ₹13,08,008 lakhs.
Outlook and guidance
Targeting industry-average loan growth by FY27, with 1% ROA as a medium-term goal.
Net NPA targeted to fall below 1%, aiming for 60-70 basis points over time.
Continued focus on cost optimization, digital expansion, and granular retail deposit growth.
Monitoring impact of new Labour Codes, with additional employee costs recognized; no further impact expected from ongoing investigations at subsidiary.
No immediate need for capital raise; current capital sufficient for 12-18 months.
PMG effectiveness on accounting discrepancies?
Implications of BFIL's qualified audit conclusion?
Expected final impact of New Labour Codes?
Net NPA target: Path to 60-70 bps vicinity
Long-term growth: Key drivers and liability plan
MFI growth and 100% CGFMU cover strategy
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Next IndusInd Bank earnings date
Q4 25/2624 Apr, 2026
IndusInd Bank
Next IndusInd Bank earnings date
Q4 25/2624 Apr, 2026
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Frequently asked questions
IndusInd Bank Limited is an Indian private sector bank offering a wide range of financial products and services to individuals, businesses, and government clients. Its services include retail and corporate banking, treasury operations, and digital banking platforms. The bank operates a network of branches and ATMs across India. IndusInd Bank Limited is headquartered in Mumbai, India, and its shares are listed on the NSE.
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