Indian Bank : March 2025

Performance Analysis Q4 / FY25

Contents Performance Highlights Business Snapshot Financials Capital & Risk Management Asset Quality Financial Inclusion Digital Banking & Business Network ESG, Group Entities & Awards Page 3 6 14 24 27 34 36 43

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Performance Highlights Q4FY25 (YoY)

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Performance Highlights

Business

Investment

Financials Balance Sheet

Capital & Risk

Management

Shareholding

& Ratings

Asset

Quality

Q4FY25

Business Deposits Advances CASA CD Ratio

Business

₹ 13.25 lakh Cr 8.5%

₹ 7.37 lakh Cr 7%

₹ 5.88 lakh Cr 10%

CASA: 5%

SB: 4%

CA: 11%

(QoQ)

79.79%

(YoY) RAM Retail Agriculture MSME Corporate

₹ 3.51 lakh Cr 13%

₹ 119097 Cr

14%

₹ 137627 Cr

14%

₹ 94152 Cr

12%

₹ 195407 Cr

4%

Asset Quality

Gross NPA Net NPA PCR

3.09%

YoY: 86 bps

QoQ: 17 bps

0.19%

YoY: 24 bps

QoQ: 2 bps

98.10%

YoY: 176 bps

QoQ: 1 bps

RoA

1.37% 2 bps

1.32% 25 bps

Cost of Deposits YoA YoI NIM (domestic)

Q4 (QoQ)

YE (YoY)

5.10% 8 bps

5.12% 24 bps

8.64% 28 bps

8.75% 3 bps

7.23% 11 bps

7.17% 37 bps

3.48% 9 bps

3.51% 3 bps

Benchmark Ratios

RoE

21.01% 1 bps

20.76% 152 bps

Net Interest Income Operating Profit Profit Before Tax Net Profit

Q4 (YoY)

YE (YoY)

₹ 6389 Cr 6%

₹ 25176 Cr 8%

₹ 5019 Cr 17%

₹ 18998 Cr 13%

₹ 4224 Cr 38%

₹ 14787 Cr 35%

₹ 2956 Cr 32%

₹ 10918 Cr 35%

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Consistent Performance

Business (₹ lakh Cr)

12.2

10.9

10.1

13.25

9.3

6.9

7.37

5.4

5.9

6.2

5.3

5.88

3.9

4.2

4.7

FY21

FY22

FY23

FY24

FY25

Business

Deposits

Advances

Profit (₹ in Cr)

18998

16840

15271

12717

10967

10918

8063

5282

3005

3945

FY21

FY22

FY23

FY24

FY25

Operating Profit Net Profit

Net Interest Income (₹ in Cr)

25176

23274

20225

15666

16728

FY21

FY22

FY23

FY24

FY25

CRAR (%)

17.94

16.53

16.49

16.44

15.71

FY21

FY22

FY23

FY24

FY25

RAM (₹ lakh Cr)

3.5

3.1

2.4

2.7

2.2

FY21

FY22

FY23

FY24

FY25

RAM Share (%) out of Domestic Advances

64.3%

61.3%

61.4%

62.2%

57.7%

FY21

FY22

FY23

FY24

FY25

Asset Quality (%)

9.85%

8.47%

5.95%

3.95%

3.37%

3.09%

2.27%

0.90%

0.43%

0.19%

FY21

FY22

FY23

FY24

FY25

GNPA NNPA

Provision Coverage Ratio (%)

87.38

96.34

89.47

98.10

93.90

82.12

93.82

85.65

74.87

68.09

FY21 FY22

FY23

FY24

FY25

PCR (incl TWO) PCR (Excl TWO)

Performance Highlights

Business

Investment

Financials

Balance Sheet

Capital & Risk

Management

Shareholding

& Ratings

Asset

Quality

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