General Announcement::Investor Presentation - Unaudited Financial Results for quarter and half year ended Sept 30, 2021
October 27, 2021 at 07:08 pm IST
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Investor Presentation
Q2-FY22 | OCTOBER 2021
IndusInd Bank at a Glance
5th Largest Private Bank
with Disproportionately Large Distribution Network
Universal Banking Approach
with Diversified Loan & Deposit Mix
Strong Domain Expertise
Long Vintage across Cycles
Robust Balance Sheet
with Strong Capital Adequacy & Contingency Buffers
Strong Profitability amongst highest in the Industry
₹220,808 cr
₹ 275,288 cr
30 mn
5,507
Loans
Deposits
Customers
Branches/Outlets
Diversified Across Products and Geographies
Across Segments
PAN India Network
55:45 Loan Mix
42% CASA
Innovative Digital Approach
Retail VS Wholesale
Stable Low-cost Deposits
Overall Digital Transaction Mix at 91%
Vehicle Finance
Micro Finance
Gems & Jewellery
27% of the Loan Book
13% of the Loan Book
4% of the Loan Book
17.37% CRAR
148% Average LCR
72% PCR
Tier 1: 16.68% | Tier 2: 0.69%
Well above regulatory requirement
GNPA 2.77% | NNPA 0.80%
(excluding H1 FY 22 PAT)
4.07% Net Interest Margin
41.44% Cost to
5.97% Operating Profit
Income
Margin to Loans
2
Key Financial Highlights for Q2 FY22
Balance
Sheet
Profit &
Loss
Key
Ratios
LoansDepositsCASATerm DepositsTotal Assets
₹220,808 crores
₹275,288 crores
₹115,863 crores
₹159,425 crores
₹3,80,495 crores
10% YoY
5% QoQ
21% YoY
3% QoQ
26% YoY
3% QoQ
17% YoY
3% QoQ
15% YoY
2% QoQ
Net Interest Income
Total Fee Income
Revenue
Operating Profit
Net Profit
₹3,658 crores
₹1,838 crores
₹5,496 crores
₹3,219 crores
₹1,147 crores
12% YoY
3% QoQ
18% YoY
3% YoY
14% YoY
3% QoQ
13% YoY
1% QoQ
73% YoY
13% QoQ
Net Interest Margin
Return on Assets
Return on Equity
Cost to Income
Net NPA
4.07%
1.29%
10.28%
41.44%
0.80%
9bps YoY
1bps QoQ
44bps YoY
12bps QoQ
316 bps YoY
98bps QoQ
46bps YoY
96bps QoQ
28bps YoY
4bps QoQ
3
Balance Sheet
₹In Crore
Q2FY22
Capital & Liabilities
Capital
774
Reserves and Surplus
44,552
Share Warrant Subscription money
-
Deposits
275,288
Borrowings
46,295
Other Liabilities and Provisions
13,585
Total
3,80,495
Assets
Cash and Balances with RBI
13,239
Balances with Banks
53,891
Investments
69,245
Advances
220,808
Fixed Assets
1,903
Other Assets
21,410
Total
380,495
Q2FY21
Y-o-Y (%)
Q1FY22
Q-o-Q (%)
756
2%
774
-
38,244
16%
43,774
2%
674
(100%)
-
-
2,27,884
21%
267,233
3%
52,385
(12%)
49,294
(6%)
12,053
13%
11,921
14%
3,31,996
15%
372,996
2%
8,279
60%
11,876
11%
37,566
43%
58,884
(8)%
62,953
10%
68,699
1%
2,01,247
10%
210,727
5%
1,890
1%
1,876
1%
20,063
7%
20,932
2%
3,31,996
15%
372,996
2%
4
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Disclaimer
IndusInd Bank Limited published this content on 27 October 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 27 October 2021 13:37:08 UTC.
IndusInd Bank Limited is a banking group organized primarily around 3 areas of activity:
- retail bank: sale of classic and specialized banking products and services (insurance, consumer loan, real estate loan, etc.);
- wealth management;
- business bank.
At the end of March 2020, the group had INR 2,067.8 billion in current deposits and INR 2,020.3 billion in current loans.
Products and services are marketed through a network of 1,911 agencies located in India.