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Indian Bank Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary16 Oct, 2025
Executive summary
Total business grew 12.34% year-over-year to INR 13.97 trillion, with advances up 12.65% and deposits at INR 7.77 trillion; net profit for Q2FY26 was INR 3,018 crore, up 11% year-over-year.
Operating profit for Q2FY26 was INR 4,837 crore, up 2% year-over-year; H1FY26 operating profit was INR 9,607 crore, up 4%.
Asset quality improved, with gross NPA down to 2.60% and net NPA at 0.16%.
Net profit for H1FY26 was INR 5,991 crore, up 17% year-over-year; consolidated net profit for Q2 was INR 3,107.97 crore.
Guidance for gross NPA revised downward to less than 2%.
Financial highlights
Net interest income for Q2FY26 was INR 6,551 crore, up 6% year-over-year; global NIM maintained at 3.23%.
Return on assets at 1.32% in Q2FY26; return on equity at 19.58%.
Cost-to-income ratio at 46.48% for Q2FY26; provision coverage ratio improved to 98.28%.
Credit cost reduced to 0.26% in Q2; capital adequacy ratio at 17.31%, with CET1 at 14.80%.
Earnings per share for Q2FY26 was INR 89.63; book value per share was INR 467.35.
Outlook and guidance
All previous guidance maintained except gross NPA, now targeted below 2%; recovery guidance at INR 5,500-6,500 crore for the year.
NIM expected to face some pressure in Q3 due to MCLR and deposit repricing, but should stabilize and recover from Q4 if no further rate cuts occur.
Management focuses on digital expansion, asset quality improvement, and capital adequacy.
Digital business grew 59% year-over-year, with significant increases in digital loans and liabilities.
CASA growth remains a challenge, with ongoing initiatives to improve.
SGB amalgamation: P&L impact?
Value of NPA loans transferred?
Digital Banking segment revenue contribution?
ECL impact on capital adequacy and provisions?
NIM trajectory given repricing in Q3/Q4?
Strategy for micro enterprises credit growth?
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Next Indian Bank earnings date
Q3 25/2628 Jan, 2026
Next Indian Bank earnings date
Q3 25/2628 Jan, 2026
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