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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
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Next Indian Bank earnings date
Q4 25/262 May, 2026
Indian Bank
Next Indian Bank earnings date
Q4 25/262 May, 2026
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