Cash flow Indian Bank

Equities

INDIANB

INE562A01011

Banks

Market Closed - NSE India S.E. Other stock markets 06:11:00 14/01/2026 pm IST			5-day change	1st Jan Change
846.40 ^INR	+3.50%		-2.11%	+1.09%

09/01	Diary - India economic, corporate events on January 9	RE
01/01	Indian bank gross advances as of Dec-end up 14.5% Y/Y	RE

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Published financial data: INDIAN BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	39TCr	39TCr	45TCr	56TCr	62TCr
Interest Income, Total	39TCr	39TCr	45TCr	56TCr	62TCr
Interest On Deposits	23TCr	22TCr	25TCr	32TCr	37TCr
Interest Expense, Total	23TCr	22TCr	25TCr	32TCr	37TCr
Net Interest Income	16TCr	17TCr	20TCr	23TCr	25TCr
Gain (Loss) on Sale of Assets	-42L	3.05Cr	17L	-1.91Cr	1.7Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	2.13TCr	1.29TCr	296.09Cr	1.32TCr	1.05TCr
Total Other Non Interest Income	4.42TCr	6.11TCr	7.51TCr	7.27TCr	8.96TCr
Non Interest Income, Total	6.54TCr	7.41TCr	7.8TCr	8.58TCr	10TCr
Revenues Before Provison For Loan Losses	22TCr	24TCr	28TCr	32TCr	35TCr
Provision For Loan Losses	8.5TCr	9.53TCr	9.38TCr	5.92TCr	4.24TCr
Total Revenues	14TCr	15TCr	19TCr	26TCr	31TCr
Salaries And Other Employee Benefits	6.41TCr	6.74TCr	7.58TCr	9.32TCr	9.97TCr
Occupancy Expense	1.45TCr	1.46TCr	1.35TCr	1.42TCr	816.96Cr
Selling General & Admin Expenses, Total	278.21Cr	296.41Cr	369.57Cr	304.65Cr	1.05TCr
(Income) Loss on Equity Invest.	-134.86Cr	-150.3Cr	-243.04Cr	-293.37Cr	-269.52Cr
Total Other Non Interest Expense	2.65TCr	2.86TCr	3.42TCr	3.9TCr	4.29TCr
Non Interest Expense, Total	11TCr	11TCr	12TCr	15TCr	16TCr
EBT, Excl. Unusual Items	3.05TCr	3.4TCr	6.21TCr	11TCr	15TCr
EBT, Incl. Unusual Items	3.05TCr	3.4TCr	6.21TCr	11TCr	15TCr
Income Tax Expense	-99Cr	-740.59Cr	632.71Cr	2.89TCr	3.87TCr
Earnings From Continuing Operations	3.15TCr	4.14TCr	5.57TCr	8.42TCr	11TCr
Net Income to Company	3.15TCr	4.14TCr	5.57TCr	8.42TCr	11TCr
Minority Interest	-1.43Cr	-2.38Cr	-1.21Cr	-3.11Cr	-2.92Cr
Net Income - (IS)	3.15TCr	4.14TCr	5.57TCr	8.42TCr	11TCr
Net Income to Common Incl Extra Items	3.15TCr	4.14TCr	5.57TCr	8.42TCr	11TCr
Net Income to Common Excl. Extra Items	3.15TCr	4.14TCr	5.57TCr	8.42TCr	11TCr
Per Share Items
Net EPS - Basic	27.88	33.99	44.74	66.03	83.61
Basic EPS - Continuing Operations	27.88	33.99	44.74	66.03	83.61
Basic Weighted Average Shares Outstanding	112.94Cr	121.84Cr	124.54Cr	127.51Cr	134.7Cr
Net EPS - Diluted	27.88	33.99	44.74	66.03	83.61
Diluted EPS - Continuing Operations	27.88	33.99	44.74	66.03	83.61
Diluted Weighted Average Shares Outstanding	112.94Cr	121.84Cr	124.54Cr	127.51Cr	134.7Cr
Normalized Basic EPS	16.87	17.44	31.14	55.42	70.2
Normalized Diluted EPS	16.87	17.44	31.14	55.42	70.2
Dividend Per Share	2	6.5	8.6	12	16.25
Payout Ratio	20.07	24.91	27.7	21.44	20.1
Supplemental Items
Effective Tax Rate - (Ratio)	-3.25	-21.76	10.19	25.54	25.56
Normalized Net Income	1.91TCr	2.12TCr	3.88TCr	7.07TCr	9.46TCr
Non-Cash Pension Expense	1.55TCr	1.78TCr	1.89TCr	1.35TCr	1.65TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	28TCr	58TCr	24TCr	11TCr	30TCr
Investment Securities, Total	1,78300Cr	1,76500Cr	1,88400Cr	2,15200Cr	2,28400Cr
Total investments	1,78300Cr	1,76500Cr	1,88400Cr	2,15200Cr	2,28400Cr
Gross Loans	3,64000Cr	3,89200Cr	4,49300Cr	5,14900Cr	5,71100Cr
Net Loans	3,64000Cr	3,89200Cr	4,49300Cr	5,14900Cr	5,71100Cr
Gross Property Plant And Equipment	12TCr	13TCr	13TCr	14TCr	15TCr
Accumulated Depreciation	-4.69TCr	-5.21TCr	-5.67TCr	-6.13TCr	-6.62TCr
Net Property Plant And Equipment	7.39TCr	7.7TCr	7.48TCr	7.54TCr	8.86TCr
Accrued Interest Receivable	2.8TCr	3TCr	3.44TCr	4.29TCr	4.76TCr
Restricted Cash	26TCr	22TCr	27TCr	31TCr	25TCr
Other Current Assets, Total	6.66TCr	6.44TCr	5.28TCr	2.94TCr	-
Deferred Tax Assets Long-Term (Collected)	2.85TCr	3.89TCr	4.45TCr	4.93TCr	5.1TCr
Other Real Estate Owned And Foreclosed	51Cr	51Cr	51Cr	51Cr	51Cr
Other Long-Term Assets, Total	12TCr	7.36TCr	4.76TCr	3.65TCr	3.81TCr
Total Assets	6,28100Cr	6,74100Cr	7,13300Cr	7,95700Cr	8,77000Cr
Liabilities
Interest Bearing Deposits	5,05700Cr	5,56900Cr	5,85300Cr	6,49000Cr	6,97500Cr
Non-Interest Bearing Deposits	32TCr	37TCr	36TCr	39TCr	40TCr
Total Deposits	5,38000Cr	5,93600Cr	6,21100Cr	6,88000Cr	7,37100Cr
Current Portion of Long-Term Debt	14TCr	-	-	-	-
Long-Term Debt	13TCr	17TCr	22TCr	23TCr	42TCr
Accrued Interest Payable	1.04TCr	994.22Cr	1.48TCr	1.85TCr	1.78TCr
Other Current Liabilities - (Bank / Utility Template)	9.05TCr	1.59TCr	1.84TCr	1.66TCr	2TCr
Other Non Current Liabilities	14TCr	16TCr	17TCr	21TCr	23TCr
Total Liabilities	5,88600Cr	6,29100Cr	6,63800Cr	7,35400Cr	8,05500Cr
Common Stock, Total	1.13TCr	1.25TCr	1.25TCr	1.35TCr	1.35TCr
Additional Paid In Capital	857.62Cr	2.39TCr	2.39TCr	6.29TCr	6.29TCr
Retained Earnings	25TCr	28TCr	33TCr	39TCr	48TCr
Comprehensive Income and Other	12TCr	13TCr	13TCr	13TCr	16TCr
Total Common Equity	39TCr	45TCr	50TCr	60TCr	72TCr
Minority Interest	23Cr	25Cr	26Cr	29Cr	32Cr
Total Equity	39TCr	45TCr	50TCr	60TCr	72TCr
Total Liabilities And Equity	6,28100Cr	6,74100Cr	7,13300Cr	7,95700Cr	8,77000Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	112.94Cr	124.54Cr	124.54Cr	134.7Cr	134.7Cr
ECS Total Common Shares Outstanding	112.94Cr	124.54Cr	124.54Cr	134.7Cr	134.7Cr
Book Value / Share	349.38	360.93	397.5	447.29	530.92
Tangible Book Value	39TCr	45TCr	50TCr	60TCr	72TCr
Tangible Book Value Per Share	349.38	360.93	397.5	447.29	530.92
Average Assets	5,96500Cr	-	-	-	-
Average Loans	3,68500Cr	-	-	-	-
Total Debt	26TCr	17TCr	22TCr	23TCr	42TCr
Deposits at Interest - Cash	25TCr	55TCr	22TCr	8.97TCr	27TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.29TCr	1.64TCr	1.86TCr	2.36TCr	2.63TCr
Net Debt	-2.01TCr	-41TCr	-1.45TCr	12TCr	11TCr
Equity Method Investments, Total	861.55Cr	1.01TCr	1.26TCr	1.55TCr	1.82TCr
Full Time Employees	42.6T	39.73T	41.7T	40.25T	40.07T
Number Of Offices	6.01T	5.74T	5.79T	5.85T	5.9T

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	3.15TCr	4.14TCr	5.57TCr	8.42TCr	11TCr
Depreciation, Depletion & Amortization	636.9Cr	600.86Cr	532.39Cr	531.14Cr	542.94Cr
Total Depreciation, Depletion & Amortization	636.9Cr	600.86Cr	532.39Cr	531.14Cr	542.94Cr
(Gain) Loss On Sale of Asset - (CF)	42L	-3.05Cr	-16L	1.91Cr	-1.7Cr
(Gain) Loss on Sale of Investments - (CF)	-	453.75Cr	492.15Cr	-377.77Cr	-248.1Cr
Provision for Credit Losses	-	9.41TCr	8.81TCr	5.59TCr	4.3TCr
Change in Other Net Operating Assets (Collected)	-45TCr	-41TCr	-72TCr	-93TCr	-52TCr
Other Operating Activities	9.03TCr	13Cr	1.52TCr	2.98TCr	4.5TCr
Cash from Operations	-32TCr	-27TCr	-55TCr	-75TCr	-32TCr
Capital Expenditure	-560.44Cr	-323.09Cr	-334.36Cr	-626.58Cr	-539.94Cr
Sale of Property, Plant, and Equipment	16Cr	18Cr	20Cr	8.87Cr	191.54Cr
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-544.88Cr	-304.69Cr	-313.98Cr	-617.71Cr	-348.4Cr
Long-Term Debt Issued, Total	4TCr	-	-	-	-
Total Debt Issued	4TCr	-	-	-	-
Long-Term Debt Repaid, Total	-1.5TCr	-600Cr	-	-1TCr	-2TCr
Total Debt Repaid	-1.5TCr	-600Cr	-	-1TCr	-2TCr
Issuance of Common Stock	-	1.65TCr	-	4TCr	-
Common Dividends Paid	-631.94Cr	-1.03TCr	-1.54TCr	-1.8TCr	-2.26TCr
Common & Preferred Stock Dividends Paid	-631.94Cr	-1.03TCr	-1.54TCr	-1.8TCr	-2.26TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	50TCr	56TCr	28TCr	67TCr	49TCr
Other Financing Activities, Total	-2.51Cr	-	-	-	-
Cash from Financing	51TCr	56TCr	26TCr	68TCr	45TCr
Foreign Exchange Rate Adjustments	-	-	-	-	-
Miscellaneous Cash Flow Adjustments	22TCr	-	-	1L	-
Net Change in Cash	40TCr	28TCr	-30TCr	-8.04TCr	13TCr
Supplemental Items
Cash Income Tax Paid (Refund)	20Cr	12Cr	14Cr	889.5Cr	26Cr
Net Debt Issued / Repaid	2.5TCr	-600Cr	-	-1TCr	-2TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.67	0.64	0.8	1.12	1.35
Return On Equity %	10.12	9.81	11.79	15.34	17.09
Return on Common Equity	10.12	9.81	11.8	15.34	17.09
Shareholders Value Added	-584.39Cr	-922.79Cr	-95Cr	1.83TCr	3.36TCr
Margin Analysis
SG&A Margin	64.37	63.26	54.13	45.91	41.21
Net Interest Income / Total Revenues %	114.32	114.55	108.45	89.75	81.37
EBT Excl. Non-Recurring Items Margin %	22.26	23.3	33.21	43.55	48.84
Income From Continuing Operations Margin %	22.99	28.37	29.82	32.43	36.35
Net Income Margin %	22.98	28.36	29.82	32.42	36.34
Net Avail. For Common Margin %	22.98	28.36	29.82	32.42	36.34
Normalized Net Income Margin	13.9	14.55	20.75	27.21	30.51
Asset quality
Nonperforming Loans / Total Loans %	10.56	9.05	6.27	4.1	3.18
Nonperforming Loans / Total Assets %	6.12	5.22	3.95	2.65	2.07
Nonperforming Assets / Total Assets %	6.12	5.23	3.96	2.66	2.08
NPAs / Loans and OREO	10.56	9.06	6.28	4.11	3.19
NPAs / Equity	97.4	78.41	56.99	35.1	25.48
Net Charge-offs / Total Average Loans %	2.09	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	110.51	157.96	293.96	182.41	334.39
Earning Assets / IBL	105.16	-	-	-	-
Interest Income / Average Assets	6.56	-	-	-	-
Interest Expense / Average Assets	3.93	-	-	-	-
Net Interest Income / Average Assets	2.63	-	-	-	-
Non Interest Income / Average Assets	1.1	-	-	-	-
Non Interest Expense / Average Asset	1.79	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.63	6.49	6.81	7.27	7.88
Total Average Equity / Total Average Assets %	6.64	6.5	6.81	7.28	7.88
Total Equity + Allowance for Loan Losses / Total Loans %	10.84	11.55	11.02	11.7	12.52
Gross Loans / Total Deposits %	67.66	65.57	72.34	74.84	77.48
Net Loans / Total Deposits %	67.66	65.57	72.34	74.84	77.48
Tier 1 Capital Ratio %	10.06	13.48	13.48	14.03	15.85
Total Capital Ratio %	13.84	16.84	16.49	16.44	17.94
Core Tier 1 Capital Ratio	9.4	12.84	12.89	13.52	15.36
Tier 2 Capital Ratio	3.78	3.36	3.01	2.41	2.09
Interbank Ratio	554.89	1.08T	389.19	156.68	193.62
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.13	1.15	1.25	1.35	1.41
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	106.07	6.78	20.94	15	8.17
Non Interest Income, 1 Yr. Growth %	96.68	21.19	5.76	9.96	16.66
Provision For Loan Losses, 1 Yr. Growth %	66.12	18.05	-1.55	-36.91	-28.42
Total Revenues, 1 Yr. Growth %	135.9	6.57	27.94	38.97	19.32
Earnings From Cont. Operations, 1 Yr. Growth %	265.48	31.54	34.49	51.12	33.74
Net Income, 1 Yr. Growth %	265.61	31.52	34.54	51.09	33.76
Normalized Net Income, 1 Yr. Growth %	105.99	11.5	82.49	82.22	33.81
Diluted EPS Before Extra, 1 Yr. Growth %	70.21	21.92	31.63	47.58	26.62
Dividend Per Share, 1 Yr. Growth %	-	225	32.31	39.53	35.42
Gross Loans, 1 Yr. Growth %	83.95	7.31	15.44	14.6	10.91
Net Loans, 1 Yr. Growth %	83.95	7.31	15.44	14.6	10.91
Non Performing Loans, 1 Yr. Growth %	171.75	-8.43	-19.98	-25.1	-13.87
Non Performing Assets, 1 Yr. Growth %	171.75	-8.42	-19.95	-25.05	-13.84
Total Assets, 1 Yr. Growth %	102.53	7.76	5.82	11.55	10.22
Total Deposits, 1 Yr Growth %	106.79	10.32	4.64	10.76	7.14
Tangible Book Value, 1 Yr. Growth %	73.31	13.92	10.13	21.7	18.7
Average Interest Earning Assets, 1 Yr. Growth %	109.65	-	-	-	-
Average Interest Bearing Liabilities, 1 Yr. Growth %	103.34	-	-	-	-
Common Equity, 1 Yr. Growth %	73.31	13.92	10.13	21.7	18.7
Total Equity, 1 Yr. Growth %	73.25	13.92	10.13	21.69	18.69
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	49.45	48.34	13.73	17.93	11.53
Non Interest Income, 2 Yr. CAGR %	85.96	49.24	13.01	7.84	13.26
Provision For Loan Losses, 2 Yr. CAGR %	36.04	36.46	7.8	-21.19	-32.8
Total Revenues, 2 Yr. CAGR %	78.29	58.56	16.77	33.34	28.77
Earnings From Cont. Operations, 2 Yr. CAGR %	187.67	119.26	33.01	42.56	42.16
Net Income, 2 Yr. CAGR %	187.83	119.28	33.02	42.58	42.16
Normalized Net Income, 2 Yr. CAGR %	198.58	51.55	42.64	82.36	56.15
Diluted EPS Before Extra, 2 Yr. CAGR %	87.69	44.05	26.68	39.38	36.7
Dividend Per Share, 2 Yr. CAGR %	-	-	107.36	35.87	37.46
Gross Loans, 2 Yr. CAGR %	41.71	40.24	11.3	15.02	12.74
Net Loans, 2 Yr. CAGR %	41.71	40.24	11.3	15.02	12.74
Non Performing Loans, 2 Yr. CAGR %	69.7	57.75	-14.4	-22.58	-19.68
Non Performing Assets, 2 Yr. CAGR %	69.7	57.86	-14.38	-22.54	-19.64
Total Assets, 2 Yr. CAGR %	49.67	47.43	6.79	8.65	10.88
Total Deposits, 2 Yr CAGR %	49.09	51.04	7.44	7.66	8.94
Tangible Book Value, 2 Yr. CAGR %	41.47	40.51	12.01	15.77	20.19
Average Interest Earning Assets, 2 Yr. CAGR %	53.16	-	-	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	52.11	-	-	-	-
Common Equity, 2 Yr. CAGR %	41.47	40.51	12.01	15.77	20.19
Total Equity, 2 Yr. CAGR %	41.44	40.49	12.01	15.77	20.18
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	35.75	33.61	38.65	14.15	14.58
Non Interest Income, 3 Yr. CAGR %	39.36	57.62	32.89	11.98	10.7
Provision For Loan Losses, 3 Yr. CAGR %	29.4	27.53	22.39	-9.83	-23.68
Total Revenues, 3 Yr. CAGR %	42.31	50.19	47.61	23.74	28.49
Earnings From Cont. Operations, 3 Yr. CAGR %	33.94	121.62	86.3	38.79	39.56
Net Income, 3 Yr. CAGR %	33.94	121.69	86.33	38.79	39.57
Normalized Net Income, 3 Yr. CAGR %	39.25	115.01	61.23	54.78	64.48
Diluted EPS Before Extra, 3 Yr. CAGR %	0.72	62.55	39.79	33.29	34.99
Dividend Per Share, 3 Yr. CAGR %	-	-	-	81.71	35.72
Gross Loans, 3 Yr. CAGR %	32.48	29.01	31.43	12.39	13.63
Net Loans, 3 Yr. CAGR %	32.48	29.01	31.43	12.39	13.63
Non Performing Loans, 3 Yr. CAGR %	47.47	38.16	25.81	-18.12	-19.78
Non Performing Assets, 3 Yr. CAGR %	47.47	38.22	25.89	-18.1	-19.74
Total Assets, 3 Yr. CAGR %	35.41	33.96	32	8.35	9.17
Total Deposits, 3 Yr CAGR %	37.21	34.85	33.65	8.54	7.49
Tangible Book Value, 3 Yr. CAGR %	28.23	31.62	29.55	15.15	16.74
Common Equity, 3 Yr. CAGR %	28.23	31.62	29.55	15.15	16.74
Total Equity, 3 Yr. CAGR %	28.21	31.6	29.54	15.15	16.73
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	28.64	26.59	26.47	27.14	27.09
Non Interest Income, 5 Yr. CAGR %	29.6	27.22	26.42	35.32	24.66
Provision For Loan Losses, 5 Yr. CAGR %	32.56	33.58	19.05	5.2	-3.71
Total Revenues, 5 Yr. CAGR %	26.93	23.28	31.48	43.21	39.76
Earnings From Cont. Operations, 5 Yr. CAGR %	33.17	23.29	33.56	85.77	67.2
Net Income, 5 Yr. CAGR %	33.19	23.31	33.57	85.81	67.22
Normalized Net Income, 5 Yr. CAGR %	25.11	13.5	40.59	101.3	59.18
Diluted EPS Before Extra, 5 Yr. CAGR %	12.25	2.36	10.4	52.85	38.54
Dividend Per Share, 5 Yr. CAGR %	5.92	1.61	-	-	-
Gross Loans, 5 Yr. CAGR %	23.05	24.96	23.47	23.22	23.61
Net Loans, 5 Yr. CAGR %	23.05	24.96	23.47	23.22	23.61
Non Performing Loans, 5 Yr. CAGR %	34.22	28.98	18.64	9.59	5.14
Non Performing Assets, 5 Yr. CAGR %	34.22	29.02	18.68	9.64	5.2
Total Assets, 5 Yr. CAGR %	25.23	25.27	23.04	23.2	23.11
Total Deposits, 5 Yr CAGR %	24.72	26.61	24.43	23.24	23.15
Tangible Book Value, 5 Yr. CAGR %	19.06	20.86	21.48	25.03	25.72
Common Equity, 5 Yr. CAGR %	19.06	20.86	21.48	25.03	25.72
Total Equity, 5 Yr. CAGR %	19.05	20.84	21.46	25.02	25.71