Financial Ratios Indian Bank

Stocks

INDIANB

INE562A01011

Banks

Delayed NSE India S.E. Other stock markets 10:01:09 21/07/2026 am IST			5-day change	1st Jan Change
857.10 ^INR	-0.16%		+2.87%	+2.41%

17/07	Indian state-run banks estimate $30 billion flow from overseas deposit scheme, sources say	RE
13/07	Arihant Capital Markets Upgrades Indian Bank to Buy From Accumulate; Price Target is INR1,062	MT

6974273de2bb0aeb7482bb2a1af3c0.XRJLHZ5JTOmzSToHpDXPhc11SSXN0i7gZfVIUU6DTrQ.KCE-SMk9OqSBHl9g9Bi576IhBFKdvEq6XKYPJmPvCv48YwYo8wstsIQQaw

Published financial data: INDIAN BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2022	2023	2024	2025	2026
Interest Income On Loans	39TCr	45TCr	56TCr	62TCr	68TCr
Interest Income, Total	39TCr	45TCr	56TCr	62TCr	68TCr
Interest On Deposits	22TCr	25TCr	32TCr	37TCr	41TCr
Interest Expense, Total	22TCr	25TCr	32TCr	37TCr	41TCr
Net Interest Income	17TCr	20TCr	23TCr	25TCr	27TCr
Gain (Loss) on Sale of Assets	3.05Cr	17L	-1.91Cr	1.7Cr	26L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.29TCr	296.09Cr	1.32TCr	1.05TCr	899.33Cr
Total Other Non Interest Income	6.11TCr	7.51TCr	7.27TCr	8.96TCr	9.93TCr
Non Interest Income, Total	7.41TCr	7.8TCr	8.58TCr	10TCr	11TCr
Revenues Before Provison For Loan Losses	24TCr	28TCr	32TCr	35TCr	38TCr
Provision For Loan Losses	9.53TCr	9.38TCr	5.92TCr	4.24TCr	3.54TCr
Total Revenues	15TCr	19TCr	26TCr	31TCr	34TCr
Salaries And Other Employee Benefits	6.74TCr	7.58TCr	9.32TCr	9.97TCr	11TCr
Occupancy Expense	1.46TCr	1.35TCr	1.42TCr	1.5TCr	1.6TCr
Selling General & Admin Expenses, Total	296.41Cr	369.57Cr	304.65Cr	367.52Cr	397.31Cr
(Income) Loss on Equity Invest.	-150.3Cr	-243.04Cr	-293.37Cr	-269.52Cr	520.22Cr
Total Other Non Interest Expense	2.86TCr	3.42TCr	3.9TCr	4.29TCr	4.9TCr
Non Interest Expense, Total	11TCr	12TCr	15TCr	16TCr	18TCr
EBT, Excl. Unusual Items	3.4TCr	6.21TCr	11TCr	15TCr	16TCr
EBT, Incl. Unusual Items	3.4TCr	6.21TCr	11TCr	15TCr	16TCr
Income Tax Expense	-740.59Cr	632.71Cr	2.89TCr	3.87TCr	4.25TCr
Earnings From Continuing Operations	4.14TCr	5.57TCr	8.42TCr	11TCr	12TCr
Net Income to Company	4.14TCr	5.57TCr	8.42TCr	11TCr	12TCr
Minority Interest	-2.38Cr	-1.21Cr	-3.11Cr	-2.92Cr	-2.49Cr
Net Income - (IS)	4.14TCr	5.57TCr	8.42TCr	11TCr	12TCr
Net Income to Common Incl Extra Items	4.14TCr	5.57TCr	8.42TCr	11TCr	12TCr
Net Income to Common Excl. Extra Items	4.14TCr	5.57TCr	8.42TCr	11TCr	12TCr
Per Share Items
Net EPS - Basic	33.99	44.74	66.03	83.61	86.89
Basic EPS - Continuing Operations	33.99	44.74	66.03	83.61	86.89
Basic Weighted Average Shares Outstanding	121.84Cr	124.54Cr	127.51Cr	134.7Cr	134.7Cr
Net EPS - Diluted	33.99	44.74	66.03	83.61	86.89
Diluted EPS - Continuing Operations	33.99	44.74	66.03	83.61	86.89
Diluted Weighted Average Shares Outstanding	121.84Cr	124.54Cr	127.51Cr	134.7Cr	134.7Cr
Normalized Basic EPS	17.44	31.14	55.42	70.2	74.01
Normalized Diluted EPS	17.44	31.14	55.42	70.2	74.01
Dividend Per Share	6.5	8.6	12	16.25	18.25
Payout Ratio	24.91	27.7	21.44	20.1	22.63
Supplemental Items
Effective Tax Rate - (Ratio)	-21.76	10.19	25.54	25.56	26.63
Normalized Net Income	2.12TCr	3.88TCr	7.07TCr	9.46TCr	9.97TCr
Non-Cash Pension Expense	1.78TCr	1.89TCr	1.35TCr	1.65TCr	2.02TCr

Fiscal Period: March	2022	2023	2024	2025	2026
Assets
Cash And Equivalents	58TCr	24TCr	11TCr	30TCr	44TCr
Investment Securities, Total	1,76500Cr	1,88400Cr	2,15200Cr	2,28400Cr	2,47700Cr
Total investments	1,76500Cr	1,88400Cr	2,15200Cr	2,28400Cr	2,47700Cr
Gross Loans	3,89200Cr	4,49300Cr	5,14900Cr	5,71100Cr	6,54900Cr
Net Loans	3,89200Cr	4,49300Cr	5,14900Cr	5,71100Cr	6,54900Cr
Gross Property Plant And Equipment	13TCr	13TCr	14TCr	15TCr	16TCr
Accumulated Depreciation	-5.21TCr	-5.67TCr	-6.13TCr	-6.62TCr	-7.16TCr
Net Property Plant And Equipment	7.7TCr	7.48TCr	7.54TCr	8.86TCr	8.68TCr
Accrued Interest Receivable	3TCr	3.44TCr	4.29TCr	4.76TCr	5.35TCr
Restricted Cash	22TCr	27TCr	31TCr	25TCr	22TCr
Other Current Assets, Total	6.44TCr	5.28TCr	2.94TCr	-	-
Deferred Tax Assets Long-Term (Collected)	3.89TCr	4.45TCr	4.93TCr	5.1TCr	5.49TCr
Other Real Estate Owned And Foreclosed	51Cr	51Cr	51Cr	51Cr	40Cr
Other Long-Term Assets, Total	7.36TCr	4.76TCr	3.65TCr	3.81TCr	3.73TCr
Total Assets	6,74100Cr	7,13300Cr	7,95700Cr	8,77000Cr	9,91600Cr
Liabilities
Interest Bearing Deposits	5,56900Cr	5,85300Cr	6,49000Cr	7,36900Cr	7,83200Cr
Non-Interest Bearing Deposits	37TCr	36TCr	39TCr	179.18Cr	44TCr
Total Deposits	5,93600Cr	6,21100Cr	6,88000Cr	7,37100Cr	8,27700Cr
Current Portion of Long-Term Debt	-	-	-	-	-
Long-Term Debt	17TCr	22TCr	23TCr	42TCr	47TCr
Accrued Interest Payable	994.22Cr	1.48TCr	1.85TCr	1.78TCr	1.88TCr
Other Current Liabilities - (Bank / Utility Template)	1.59TCr	1.84TCr	1.66TCr	2TCr	1.88TCr
Other Non Current Liabilities	16TCr	17TCr	21TCr	23TCr	33TCr
Total Liabilities	6,29100Cr	6,63800Cr	7,35400Cr	8,05500Cr	9,11500Cr
Common Stock, Total	1.25TCr	1.25TCr	1.35TCr	1.35TCr	1.35TCr
Additional Paid In Capital	2.39TCr	2.39TCr	6.29TCr	6.29TCr	6.29TCr
Retained Earnings	28TCr	33TCr	39TCr	48TCr	57TCr
Comprehensive Income and Other	13TCr	13TCr	13TCr	16TCr	15TCr
Total Common Equity	45TCr	50TCr	60TCr	72TCr	80TCr
Minority Interest	25Cr	26Cr	29Cr	32Cr	35Cr
Total Equity	45TCr	50TCr	60TCr	72TCr	80TCr
Total Liabilities And Equity	6,74100Cr	7,13300Cr	7,95700Cr	8,77000Cr	9,91600Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	124.54Cr	124.54Cr	134.7Cr	134.7Cr	134.7Cr
ECS Total Common Shares Outstanding	124.54Cr	124.54Cr	134.7Cr	134.7Cr	134.7Cr
Book Value / Share	360.93	397.5	447.29	530.92	594.25
Tangible Book Value	45TCr	50TCr	60TCr	72TCr	80TCr
Tangible Book Value Per Share	360.93	397.5	447.29	530.92	594.25
Average Assets	-	-	-	-	-
Average Loans	-	-	-	-	-
Total Debt	17TCr	22TCr	23TCr	42TCr	47TCr
Deposits at Interest - Cash	55TCr	22TCr	8.97TCr	27TCr	38TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.64TCr	1.86TCr	2.36TCr	2.63TCr	2.8TCr
Net Debt	-41TCr	-1.45TCr	12TCr	11TCr	3.11TCr
Equity Method Investments, Total	1.01TCr	1.26TCr	1.55TCr	1.82TCr	1.29TCr
Full Time Employees	39.73T	41.7T	40.25T	40.07T	40.16T
Number Of Offices	5.74T	5.79T	5.85T	5.9T	6T

Fiscal Period: March	2022	2023	2024	2025	2026
Net Income	4.14TCr	5.57TCr	8.42TCr	11TCr	12TCr
Depreciation, Depletion & Amortization	600.86Cr	532.39Cr	531.14Cr	542.94Cr	608.86Cr
Total Depreciation, Depletion & Amortization	600.86Cr	532.39Cr	531.14Cr	542.94Cr	608.86Cr
(Gain) Loss On Sale of Asset - (CF)	-3.05Cr	-16L	1.91Cr	-1.7Cr	-26L
(Gain) Loss on Sale of Investments - (CF)	453.75Cr	492.15Cr	-377.77Cr	-248.1Cr	68Cr
Provision for Credit Losses	9.41TCr	8.81TCr	5.59TCr	4.3TCr	3.42TCr
Change in Other Net Operating Assets (Collected)	-41TCr	-72TCr	-93TCr	-52TCr	-91TCr
Other Operating Activities	13Cr	1.52TCr	2.98TCr	4.5TCr	3.21TCr
Cash from Operations	-27TCr	-55TCr	-75TCr	-32TCr	-72TCr
Capital Expenditure	-323.09Cr	-334.36Cr	-626.58Cr	-539.94Cr	-454.12Cr
Sale of Property, Plant, and Equipment	18Cr	20Cr	8.87Cr	191.54Cr	26Cr
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-304.69Cr	-313.98Cr	-617.71Cr	-348.4Cr	-428.07Cr
Long-Term Debt Issued, Total	-	-	-	-	-
Total Debt Issued	-	-	-	-	-
Long-Term Debt Repaid, Total	-600Cr	-	-1TCr	-2TCr	-5TCr
Total Debt Repaid	-600Cr	-	-1TCr	-2TCr	-5TCr
Issuance of Common Stock	1.65TCr	-	4TCr	-	-
Common Dividends Paid	-1.03TCr	-1.54TCr	-1.8TCr	-2.26TCr	-2.65TCr
Common & Preferred Stock Dividends Paid	-1.03TCr	-1.54TCr	-1.8TCr	-2.26TCr	-2.65TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	56TCr	28TCr	67TCr	49TCr	91TCr
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	56TCr	26TCr	68TCr	45TCr	83TCr
Foreign Exchange Rate Adjustments	-	-	-	-	-
Miscellaneous Cash Flow Adjustments	-	-	1L	-	-
Net Change in Cash	28TCr	-30TCr	-8.04TCr	13TCr	11TCr
Supplemental Items
Cash Income Tax Paid (Refund)	12Cr	14Cr	889.5Cr	26Cr	1.56TCr
Net Debt Issued / Repaid	-600Cr	-	-1TCr	-2TCr	-5TCr

Fiscal Period: March	2022	2023	2024	2025	2026
Profitability
Return on Assets	0.64	0.8	1.12	1.35	1.25
Return On Equity %	9.81	11.79	15.34	17.09	15.44
Return on Common Equity	9.81	11.8	15.34	17.09	15.45
Shareholders Value Added	-922.79Cr	-95Cr	1.83TCr	3.36TCr	2.61TCr
Margin Analysis
SG&A Margin	63.26	54.13	45.91	41.21	40.95
Net Interest Income / Total Revenues %	114.55	108.45	89.75	81.37	78.72
EBT Excl. Non-Recurring Items Margin %	23.3	33.21	43.55	48.84	46.58
Income From Continuing Operations Margin %	28.37	29.82	32.43	36.35	34.18
Net Income Margin %	28.36	29.82	32.42	36.34	34.17
Net Avail. For Common Margin %	28.36	29.82	32.42	36.34	34.17
Normalized Net Income Margin	14.55	20.75	27.21	30.51	29.1
Asset quality
Nonperforming Loans / Total Loans %	9.05	6.27	4.1	3.18	2.01
Nonperforming Loans / Total Assets %	5.22	3.95	2.65	2.07	1.33
Nonperforming Assets / Total Assets %	5.23	3.96	2.66	2.08	1.33
NPAs / Loans and OREO	9.06	6.28	4.11	3.19	2.02
NPAs / Equity	78.41	56.99	35.1	25.48	16.52
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	157.96	293.96	182.41	334.39	103.09
Earning Assets / IBL	-	-	-	-	-
Interest Income / Average Assets	-	-	-	-	-
Interest Expense / Average Assets	-	-	-	-	-
Net Interest Income / Average Assets	-	-	-	-	-
Non Interest Income / Average Assets	-	-	-	-	-
Non Interest Expense / Average Asset	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.49	6.81	7.27	7.88	8.11
Total Average Equity / Total Average Assets %	6.5	6.81	7.28	7.88	8.11
Total Equity + Allowance for Loan Losses / Total Loans %	11.55	11.02	11.7	12.52	12.22
Gross Loans / Total Deposits %	65.57	72.34	74.84	77.48	79.13
Net Loans / Total Deposits %	65.57	72.34	74.84	77.48	79.13
Tier 1 Capital Ratio %	13.48	13.48	14.03	15.85	16.4
Total Capital Ratio %	16.84	16.49	16.44	17.94	17.93
Core Tier 1 Capital Ratio	12.84	12.89	13.52	15.36	16.4
Tier 2 Capital Ratio	3.36	3.01	2.41	2.09	1.53
Interbank Ratio	1.08T	389.19	156.68	193.62	164.9
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.15	1.25	1.35	1.41	1.39
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	6.78	20.94	15	8.17	6.95
Non Interest Income, 1 Yr. Growth %	21.19	5.76	9.96	16.66	8.16
Provision For Loan Losses, 1 Yr. Growth %	18.05	-1.55	-36.91	-28.42	-16.44
Total Revenues, 1 Yr. Growth %	6.57	27.94	38.97	19.32	10.54
Earnings From Cont. Operations, 1 Yr. Growth %	31.54	34.49	51.12	33.74	3.93
Net Income, 1 Yr. Growth %	31.52	34.54	51.09	33.76	3.93
Normalized Net Income, 1 Yr. Growth %	11.5	82.49	82.22	33.81	5.44
Diluted EPS Before Extra, 1 Yr. Growth %	21.92	31.63	47.58	26.62	3.93
Dividend Per Share, 1 Yr. Growth %	225	32.31	39.53	35.42	12.31
Gross Loans, 1 Yr. Growth %	7.31	15.44	14.6	10.91	14.68
Net Loans, 1 Yr. Growth %	7.31	15.44	14.6	10.91	14.68
Non Performing Loans, 1 Yr. Growth %	-8.43	-19.98	-25.1	-13.87	-27.44
Non Performing Assets, 1 Yr. Growth %	-8.42	-19.95	-25.05	-13.84	-27.43
Total Assets, 1 Yr. Growth %	7.76	5.82	11.55	10.22	13.06
Total Deposits, 1 Yr Growth %	10.32	4.64	10.76	7.14	12.29
Tangible Book Value, 1 Yr. Growth %	13.92	10.13	21.7	18.7	11.93
Average Interest Earning Assets, 1 Yr. Growth %	-	-	-	-	-
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	-	-	-	-
Common Equity, 1 Yr. Growth %	13.92	10.13	21.7	18.7	11.93
Total Equity, 1 Yr. Growth %	13.92	10.13	21.69	18.69	11.93
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	48.34	13.73	17.93	11.53	7.56
Non Interest Income, 2 Yr. CAGR %	49.24	13.01	7.84	13.26	12.33
Provision For Loan Losses, 2 Yr. CAGR %	36.46	7.8	-21.19	-32.8	-22.66
Total Revenues, 2 Yr. CAGR %	58.56	16.77	33.34	28.77	14.84
Earnings From Cont. Operations, 2 Yr. CAGR %	119.26	33.01	42.56	42.16	17.9
Net Income, 2 Yr. CAGR %	119.28	33.02	42.58	42.16	17.9
Normalized Net Income, 2 Yr. CAGR %	51.55	42.64	82.36	56.15	18.78
Diluted EPS Before Extra, 2 Yr. CAGR %	44.05	26.68	39.38	36.7	14.71
Dividend Per Share, 2 Yr. CAGR %	-	107.36	35.87	37.46	23.32
Gross Loans, 2 Yr. CAGR %	40.24	11.3	15.02	12.74	12.78
Net Loans, 2 Yr. CAGR %	40.24	11.3	15.02	12.74	12.78
Non Performing Loans, 2 Yr. CAGR %	57.75	-14.4	-22.58	-19.68	-20.95
Non Performing Assets, 2 Yr. CAGR %	57.86	-14.38	-22.54	-19.64	-20.92
Total Assets, 2 Yr. CAGR %	47.43	6.79	8.65	10.88	11.63
Total Deposits, 2 Yr CAGR %	51.04	7.44	7.66	8.94	9.68
Tangible Book Value, 2 Yr. CAGR %	40.51	12.01	15.77	20.19	15.26
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	-	-	-
Common Equity, 2 Yr. CAGR %	40.51	12.01	15.77	20.19	15.26
Total Equity, 2 Yr. CAGR %	40.49	12.01	15.77	20.18	15.26
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	33.61	38.65	14.15	14.58	9.98
Non Interest Income, 3 Yr. CAGR %	57.62	32.89	11.98	10.7	11.53
Provision For Loan Losses, 3 Yr. CAGR %	27.53	22.39	-9.83	-23.68	-27.74
Total Revenues, 3 Yr. CAGR %	50.19	47.61	23.74	28.49	22.38
Earnings From Cont. Operations, 3 Yr. CAGR %	121.62	86.3	38.79	39.56	28.07
Net Income, 3 Yr. CAGR %	121.69	86.33	38.79	39.57	28.07
Normalized Net Income, 3 Yr. CAGR %	115.01	61.23	54.78	64.48	36.99
Diluted EPS Before Extra, 3 Yr. CAGR %	62.55	39.79	33.29	34.99	24.76
Dividend Per Share, 3 Yr. CAGR %	-	-	81.71	35.72	28.51
Gross Loans, 3 Yr. CAGR %	29.01	31.43	12.39	13.63	13.38
Net Loans, 3 Yr. CAGR %	29.01	31.43	12.39	13.63	13.38
Non Performing Loans, 3 Yr. CAGR %	38.16	25.81	-18.12	-19.78	-22.36
Non Performing Assets, 3 Yr. CAGR %	38.22	25.89	-18.1	-19.74	-22.33
Total Assets, 3 Yr. CAGR %	33.96	32	8.35	9.17	11.6
Total Deposits, 3 Yr CAGR %	34.85	33.65	8.54	7.49	10.04
Tangible Book Value, 3 Yr. CAGR %	31.62	29.55	15.15	16.74	17.37
Common Equity, 3 Yr. CAGR %	31.62	29.55	15.15	16.74	17.37
Total Equity, 3 Yr. CAGR %	31.6	29.54	15.15	16.73	17.36
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	26.59	26.47	27.14	27.09	11.47
Non Interest Income, 5 Yr. CAGR %	27.22	26.42	35.32	24.66	12.12
Provision For Loan Losses, 5 Yr. CAGR %	33.58	19.05	5.2	-3.71	-15.2
Total Revenues, 5 Yr. CAGR %	23.28	31.48	43.21	39.76	20.1
Earnings From Cont. Operations, 5 Yr. CAGR %	23.29	33.56	85.77	67.2	30.02
Net Income, 5 Yr. CAGR %	23.31	33.57	85.81	67.22	30.03
Normalized Net Income, 5 Yr. CAGR %	13.5	40.59	101.3	59.18	39.23
Diluted EPS Before Extra, 5 Yr. CAGR %	2.36	10.4	52.85	38.54	25.53
Dividend Per Share, 5 Yr. CAGR %	1.61	-	-	-	55.61
Gross Loans, 5 Yr. CAGR %	24.96	23.47	23.22	23.61	12.55
Net Loans, 5 Yr. CAGR %	24.96	23.47	23.22	23.61	12.55
Non Performing Loans, 5 Yr. CAGR %	28.98	18.64	9.59	5.14	-19.27
Non Performing Assets, 5 Yr. CAGR %	29.02	18.68	9.64	5.2	-19.24
Total Assets, 5 Yr. CAGR %	25.27	23.04	23.2	23.11	9.65
Total Deposits, 5 Yr CAGR %	26.61	24.43	23.24	23.15	9
Tangible Book Value, 5 Yr. CAGR %	20.86	21.48	25.03	25.72	15.2
Common Equity, 5 Yr. CAGR %	20.86	21.48	25.03	25.72	15.2
Total Equity, 5 Yr. CAGR %	20.84	21.46	25.02	25.71	15.19