Financial Ratios Induslnd Bank Limited

Equities

INDUSINDBK

INE095A01012

Banks

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Published financial data: INDUSLND BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	29TCr	31TCr	36TCr	46TCr	49TCr
Interest Income, Total	29TCr	31TCr	36TCr	46TCr	49TCr
Interest On Deposits	15TCr	16TCr	19TCr	25TCr	30TCr
Interest Expense, Total	15TCr	16TCr	19TCr	25TCr	30TCr
Net Interest Income	14TCr	15TCr	18TCr	21TCr	19TCr
Gain (Loss) on Sale of Assets	1.38Cr	-1.13Cr	-2.78Cr	-3.14Cr	1.99Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.49TCr	593.16Cr	-17Cr	505.49Cr	687.29Cr
Total Other Non Interest Income	5.01TCr	6.82TCr	8.19TCr	8.89TCr	7TCr
Non Interest Income, Total	6.5TCr	7.41TCr	8.17TCr	9.4TCr	7.69TCr
Revenues Before Provison For Loan Losses	20TCr	22TCr	26TCr	30TCr	27TCr
Provision For Loan Losses	7.94TCr	8.29TCr	4.51TCr	3.9TCr	7.14TCr
Total Revenues	12TCr	14TCr	21TCr	26TCr	20TCr
Salaries And Other Employee Benefits	3.04TCr	3.46TCr	4.15TCr	5.31TCr	6.03TCr
Stock-Based Compensation (IS)	14.15L	12Cr	28Cr	59Cr	-
Occupancy Expense	1.17TCr	1.29TCr	1.44TCr	1.67TCr	1.9TCr
Selling General & Admin Expenses, Total	329.82Cr	377.33Cr	445.17Cr	581.58Cr	567.75Cr
(Income) Loss on Equity Invest.	-22.12L	-39.83L	-36.36L	-30.66L	-13.15L
Total Other Non Interest Expense	3.62TCr	4.17TCr	5.28TCr	6.52TCr	7.56TCr
Non Interest Expense, Total	8.16TCr	9.31TCr	11TCr	14TCr	16TCr
EBT, Excl. Unusual Items	3.93TCr	4.81TCr	9.91TCr	12TCr	3.53TCr
EBT, Incl. Unusual Items	3.93TCr	4.81TCr	9.91TCr	12TCr	3.53TCr
Income Tax Expense	999.54Cr	-	2.47TCr	2.99TCr	950.34Cr
Earnings From Continuing Operations	2.93TCr	4.81TCr	7.44TCr	8.98TCr	2.58TCr
Net Income to Company	2.93TCr	4.81TCr	7.44TCr	8.98TCr	2.58TCr
Net Income - (IS)	2.93TCr	4.81TCr	7.44TCr	8.98TCr	2.58TCr
Net Income to Common Incl Extra Items	2.93TCr	4.81TCr	7.44TCr	8.98TCr	2.58TCr
Net Income to Common Excl. Extra Items	2.93TCr	4.81TCr	7.44TCr	8.98TCr	2.58TCr
Per Share Items
Net EPS - Basic	40.03	62.07	96.01	115.54	33.07
Basic EPS - Continuing Operations	40.03	62.07	96.01	115.54	33.07
Basic Weighted Average Shares Outstanding	73Cr	77Cr	78Cr	78Cr	78Cr
Net EPS - Diluted	39.96	61.97	95.89	115.33	33.05
Diluted EPS - Continuing Operations	39.96	61.97	95.89	115.33	33.05
Diluted Weighted Average Shares Outstanding	73Cr	78Cr	78Cr	78Cr	78Cr
Normalized Basic EPS	33.56	38.8	79.92	96.28	28.29
Normalized Diluted EPS	33.5	38.73	79.82	96.1	28.28
Dividend Per Share	5	8.5	14	16.5	-
Payout Ratio	-	8.05	8.85	12.1	49.89
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	25.44	-	24.91	25	26.95
Total Current Taxes	1.7TCr	1.84TCr	2.33TCr	2.59TCr	1.5TCr
Total Deferred Taxes	-704.4Cr	-212.07Cr	137.91Cr	403.27Cr	-553.77Cr
Normalized Net Income	2.46TCr	3TCr	6.2TCr	7.48TCr	2.2TCr
Non-Cash Pension Expense	11Cr	12Cr	36Cr	21Cr	14Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	14.15L	12Cr	28Cr	59Cr	-53Cr
Total Stock-Based Compensation	14.15L	12Cr	28Cr	59Cr	-53Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	40TCr	54TCr	15TCr	20TCr	9.66TCr
Investment Securities, Total	68TCr	68TCr	83TCr	1,06500Cr	1,14500Cr
Total investments	68TCr	68TCr	83TCr	1,06500Cr	1,14500Cr
Gross Loans	2,12600Cr	2,39100Cr	2,89900Cr	3,43300Cr	3,45000Cr
Net Loans	2,12600Cr	2,39100Cr	2,89900Cr	3,43300Cr	3,45000Cr
Gross Property Plant And Equipment	3.85TCr	4.21TCr	4.66TCr	5.22TCr	5.94TCr
Accumulated Depreciation	-1.98TCr	-2.28TCr	-2.58TCr	-2.9TCr	-3.44TCr
Net Property Plant And Equipment	1.88TCr	1.93TCr	2.08TCr	2.32TCr	2.5TCr
Accrued Interest Receivable	2.01TCr	2.02TCr	2.39TCr	3.1TCr	4.71TCr
Restricted Cash	17TCr	14TCr	42TCr	17TCr	50TCr
Other Current Assets, Total	873.84Cr	1.26TCr	239.55Cr	843.76Cr	2.43TCr
Deferred Tax Assets Long-Term (Collected)	2.01TCr	2.23TCr	2.14TCr	2.26TCr	3.08TCr
Other Real Estate Owned And Foreclosed	414.1Cr	64Cr	64Cr	-	-
Other Long-Term Assets, Total	19TCr	19TCr	21TCr	20TCr	23TCr
Total Assets	3,62900Cr	4,02000Cr	4,57800Cr	5,15100Cr	5,54100Cr
Liabilities
Interest Bearing Deposits	2,20100Cr	2,56800Cr	2,85500Cr	3,37600Cr	3,70100Cr
Non-Interest Bearing Deposits	36TCr	37TCr	51TCr	47TCr	41TCr
Total Deposits	2,55900Cr	2,93300Cr	3,36100Cr	3,84600Cr	4,10900Cr
Current Portion of Long-Term Debt	23TCr	17TCr	20TCr	15TCr	30TCr
Long-Term Debt	29TCr	31TCr	29TCr	33TCr	24TCr
Accrued Interest Payable	1.45TCr	1.31TCr	1.83TCr	1.94TCr	2.62TCr
Other Current Liabilities - (Bank / Utility Template)	661.79Cr	844.24Cr	1.14TCr	1.39TCr	1.34TCr
Other Non Current Liabilities	10TCr	11TCr	15TCr	16TCr	21TCr
Total Liabilities	3,19400Cr	3,53900Cr	4,02800Cr	4,51900Cr	4,89300Cr
Common Stock, Total	773.37Cr	774.66Cr	775.9Cr	778.32Cr	779.05Cr
Additional Paid In Capital	18TCr	18TCr	19TCr	19TCr	19TCr
Retained Earnings	23TCr	28TCr	35TCr	42TCr	44TCr
Comprehensive Income and Other	950.89Cr	1.04TCr	1.16TCr	1.26TCr	1.55TCr
Total Common Equity	44TCr	48TCr	55TCr	63TCr	65TCr
Total Equity	44TCr	48TCr	55TCr	63TCr	65TCr
Total Liabilities And Equity	3,62900Cr	4,02000Cr	4,57800Cr	5,15100Cr	5,54100Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	77Cr	77Cr	78Cr	78Cr	78Cr
ECS Total Common Shares Outstanding	77Cr	77Cr	78Cr	78Cr	78Cr
Book Value / Share	562.48	619.96	708.92	812.1	832.24
Tangible Book Value	44TCr	48TCr	55TCr	63TCr	65TCr
Tangible Book Value Per Share	562.48	619.96	708.92	812.1	832.24
Total Debt	51TCr	47TCr	49TCr	48TCr	54TCr
Deposits at Interest - Cash	35TCr	49TCr	37TCr	16TCr	36TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	11Cr	18Cr	37Cr	53Cr	38Cr
Net Debt	11TCr	-6.89TCr	34TCr	28TCr	44TCr
Equity Method Investments, Total	2.43Cr	2.82Cr	3.19Cr	3.49Cr	3.63Cr
Full Time Employees	29.66T	33.58T	38.18T	45.64T	44.97T
Number Of Offices	2.02T	2.26T	2.61T	2.98T	3.08T

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	2.93TCr	4.81TCr	7.44TCr	8.98TCr	2.58TCr
Depreciation, Depletion & Amortization	247.26Cr	270.19Cr	315.5Cr	342.22Cr	379.98Cr
Total Depreciation, Depletion & Amortization	247.26Cr	270.19Cr	315.5Cr	342.22Cr	379.98Cr
Amortization of Deferred Charges, Total	80Cr	82Cr	92Cr	120.82Cr	152.29Cr
(Gain) Loss On Sale of Asset - (CF)	-1.38Cr	1.13Cr	2.78Cr	3.14Cr	-1.99Cr
(Gain) Loss on Sale of Investments - (CF)	848.21Cr	742.26Cr	784.14Cr	843.29Cr	329.62Cr
Provision for Credit Losses	7.33TCr	6.3TCr	4.19TCr	3.34TCr	3.03TCr
(Income) Loss On Equity Investments - (CF)	22.12L	39.84L	36.36L	30.66L	13.15L
Stock-Based Compensation (CF)	14.15L	12Cr	28Cr	59Cr	53Cr
Change in Other Net Operating Assets (Collected)	-20TCr	-32TCr	-69TCr	-79TCr	-13TCr
Other Operating Activities	166.19Cr	-559.91Cr	1.29TCr	-169.18Cr	-2TCr
Cash from Operations	-8.87TCr	-21TCr	-55TCr	-65TCr	-8TCr
Capital Expenditure	-341.2Cr	-414.3Cr	-571.09Cr	-730.01Cr	-730.99Cr
Sale of Property, Plant, and Equipment	10Cr	8.14Cr	11Cr	19Cr	22Cr
Cash from Investing	-331.13Cr	-406.16Cr	-560.16Cr	-711.27Cr	-708.58Cr
Long-Term Debt Issued, Total	-	2.8TCr	2.69TCr	90Cr	6.09TCr
Total Debt Issued	-	2.8TCr	2.69TCr	90Cr	6.09TCr
Long-Term Debt Repaid, Total	-9.43TCr	-6.8TCr	-1TCr	-1.49TCr	-
Total Debt Repaid	-9.43TCr	-6.8TCr	-1TCr	-1.49TCr	-
Issuance of Common Stock	5.33TCr	84Cr	86Cr	244.66Cr	68Cr
Common Dividends Paid	-	-386.99Cr	-658.89Cr	-1.09TCr	-1.28TCr
Common & Preferred Stock Dividends Paid	-	-386.99Cr	-658.89Cr	-1.09TCr	-1.28TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	54TCr	37TCr	43TCr	48TCr	26TCr
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	50TCr	33TCr	44TCr	46TCr	31TCr
Foreign Exchange Rate Adjustments	6.99Cr	11Cr	80Cr	8.18Cr	23Cr
Miscellaneous Cash Flow Adjustments	1T	-	-	-	-
Net Change in Cash	41TCr	12TCr	-12TCr	-20TCr	22TCr
Supplemental Items
Cash Income Tax Paid (Refund)	833.13Cr	2.19TCr	1.2TCr	3.17TCr	2.95TCr
Net Debt Issued / Repaid	-9.43TCr	-4TCr	1.69TCr	-1.4TCr	6.09TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.87	1.26	1.73	1.85	0.48
Return On Equity %	7.49	10.5	14.45	15.19	4.02
Return on Common Equity	7.49	10.5	14.45	15.19	4.02
Shareholders Value Added	-1.76TCr	-686.58Cr	1.26TCr	1.88TCr	-5.11TCr
Margin Analysis
SG&A Margin	40.21	39.37	30.74	31.14	46.81
Net Interest Income / Total Revenues %	111.93	106.27	82.75	78.94	97.17
EBT Excl. Non-Recurring Items Margin %	32.51	34.04	46.63	45.83	18
Income From Continuing Operations Margin %	24.24	34.04	35.01	34.37	13.15
Net Income Margin %	24.24	34.04	35.01	34.37	13.15
Net Avail. For Common Margin %	24.24	34.04	35.01	34.37	13.15
Normalized Net Income Margin	20.32	21.28	29.14	28.64	11.25
Asset quality
Nonperforming Loans / Total Loans %	2.73	2.31	2.01	1.95	3.2
Nonperforming Loans / Total Assets %	1.6	1.37	1.27	1.3	1.99
Nonperforming Assets / Total Assets %	1.6	1.37	1.27	1.3	1.99
NPAs / Loans and OREO	2.72	2.31	2.01	1.95	3.2
NPAs / Equity	13.32	11.49	10.59	10.59	17.04
Provision for Loan Losses / Net Charge-offs %	195.88	189.15	122.26	166.67	190.31
Capital And Funding
Total Average Common Equity / Total Average Assets %	11.68	11.97	11.98	12.15	11.98
Total Average Equity / Total Average Assets %	11.68	11.97	11.98	12.15	11.98
Total Equity + Allowance for Loan Losses / Total Loans %	20.46	20.09	18.97	18.41	18.79
Gross Loans / Total Deposits %	83.09	81.49	86.26	89.26	83.97
Net Loans / Total Deposits %	83.09	81.49	86.26	89.26	83.97
Tier 1 Capital Ratio %	16.83	16.8	16.37	15.82	15.1
Total Capital Ratio %	17.38	18.42	17.86	17.23	16.24
Core Tier 1 Capital Ratio	15.55	15.96	15.93	15.82	15.1
Tier 2 Capital Ratio	0.55	1.62	1.49	1.41	1.14
Interbank Ratio	119.62	525.62	36.33	66.28	5.29
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.25	1.3	1.53	1.48	1.12
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	12.18	10.89	17.27	17.19	-7.69
Non Interest Income, 1 Yr. Growth %	-6.5	13.95	11.27	14.96	-18.15
Provision For Loan Losses, 1 Yr. Growth %	70.73	-7.26	-32.42	-13.55	83.68
Total Revenues, 1 Yr. Growth %	-15.83	27.32	35.6	22.85	-25.03
Earnings From Cont. Operations, 1 Yr. Growth %	-34.28	63.99	54.91	20.61	-71.31
Net Income, 1 Yr. Growth %	-34.28	63.99	54.91	20.61	-71.31
Normalized Net Income, 1 Yr. Growth %	-36.38	63.99	55.69	20.74	-70.57
Diluted EPS Before Extra, 1 Yr. Growth %	-37.66	55.08	54.74	20.27	-71.34
Dividend Per Share, 1 Yr. Growth %	-	70	64.71	17.86	-
Gross Loans, 1 Yr. Growth %	2.81	12.44	21.28	18.41	0.5
Net Loans, 1 Yr. Growth %	2.81	12.44	21.28	18.41	0.5
Non Performing Loans, 1 Yr. Growth %	12.6	-4.79	5.6	14.88	65.03
Non Performing Assets, 1 Yr. Growth %	12.6	-4.79	5.6	14.88	65.03
Total Assets, 1 Yr. Growth %	18.12	10.76	13.9	12.51	7.57
Total Deposits, 1 Yr Growth %	26.65	14.65	14.58	14.42	6.83
Tangible Book Value, 1 Yr. Growth %	25.19	10.4	14.53	14.91	2.58
Common Equity, 1 Yr. Growth %	25.19	10.4	14.53	14.91	2.58
Total Equity, 1 Yr. Growth %	25.19	10.4	14.53	14.91	2.58
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	23.66	11.53	14.04	17.23	4.01
Non Interest Income, 2 Yr. CAGR %	7.3	3.22	12.12	13.1	-3
Provision For Loan Losses, 2 Yr. CAGR %	59.87	33.52	-29.01	-23.57	25.84
Total Revenues, 2 Yr. CAGR %	3.03	-0.85	38.47	29.07	-4.02
Earnings From Cont. Operations, 2 Yr. CAGR %	-5.78	3.82	59.38	36.69	-41.18
Net Income, 2 Yr. CAGR %	-5.78	3.82	59.38	36.69	-41.18
Normalized Net Income, 2 Yr. CAGR %	-11.17	-11.8	83.94	37.1	-40.36
Diluted EPS Before Extra, 2 Yr. CAGR %	-14.33	-1.68	54.91	36.42	-41.29
Dividend Per Share, 2 Yr. CAGR %	-18.35	-	67.33	39.33	-
Gross Loans, 2 Yr. CAGR %	6.8	7.52	16.78	19.84	9.09
Net Loans, 2 Yr. CAGR %	6.8	7.52	16.78	19.84	9.09
Non Performing Loans, 2 Yr. CAGR %	21.16	3.54	0.27	10.15	37.69
Non Performing Assets, 2 Yr. CAGR %	21.16	3.54	0.27	10.15	37.69
Total Assets, 2 Yr. CAGR %	14.29	14.38	12.32	13.2	10.01
Total Deposits, 2 Yr CAGR %	14.59	20.5	14.61	14.5	10.56
Tangible Book Value, 2 Yr. CAGR %	27.67	17.56	12.45	14.72	8.57
Common Equity, 2 Yr. CAGR %	27.67	17.56	12.45	14.72	8.57
Total Equity, 2 Yr. CAGR %	27.67	17.56	12.45	14.72	8.57
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	21.74	19.25	13.42	15.08	8.26
Non Interest Income, 3 Yr. CAGR %	11.03	9.47	5.54	13.06	1.54
Provision For Loan Losses, 3 Yr. CAGR %	89.05	38.71	-1.06	-24.19	2.29
Total Revenues, 3 Yr. CAGR %	2.96	7.43	13.97	33.06	7.7
Earnings From Cont. Operations, 3 Yr. CAGR %	-6.69	13.33	18.63	45.24	-18.77
Net Income, 3 Yr. CAGR %	-6.69	13.33	18.63	45.24	-18.77
Normalized Net Income, 3 Yr. CAGR %	-10.5	-1.19	17.08	59.85	-17.88
Diluted EPS Before Extra, 3 Yr. CAGR %	-12.46	4.41	14.37	42.38	-18.9
Dividend Per Share, 3 Yr. CAGR %	-12.64	4.26	-	48.88	-
Gross Loans, 3 Yr. CAGR %	13.62	8.65	11.92	17.32	13.01
Net Loans, 3 Yr. CAGR %	13.62	8.65	11.92	17.32	13.01
Non Performing Loans, 3 Yr. CAGR %	50.35	11.81	4.22	4.92	26.04
Non Performing Assets, 3 Yr. CAGR %	50.35	11.81	4.22	4.92	26.04
Total Assets, 3 Yr. CAGR %	17.87	13.1	14.22	12.38	11.29
Total Deposits, 3 Yr CAGR %	19.05	14.61	18.49	14.55	11.88
Tangible Book Value, 3 Yr. CAGR %	22.19	21.64	16.54	13.26	10.52
Common Equity, 3 Yr. CAGR %	22.19	21.64	16.54	13.26	10.52
Total Equity, 3 Yr. CAGR %	22.19	21.64	16.54	13.26	10.52
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	24.53	19.86	18.6	18.44	9.56
Non Interest Income, 5 Yr. CAGR %	14.54	12.17	11.46	10.72	2.04
Provision For Loan Losses, 5 Yr. CAGR %	63.87	50.02	30.83	4.62	8.93
Total Revenues, 5 Yr. CAGR %	11.1	9.07	13.94	18.06	6.41
Earnings From Cont. Operations, 5 Yr. CAGR %	5.08	10.87	15.6	22.15	-10.39
Net Income, 5 Yr. CAGR %	5.08	10.87	15.6	22.15	-10.39
Normalized Net Income, 5 Yr. CAGR %	2.52	1.96	12.58	19.17	-10.61
Diluted EPS Before Extra, 5 Yr. CAGR %	0.35	5.44	9.99	16.2	-12.41
Dividend Per Share, 5 Yr. CAGR %	2.13	7.21	13.3	17.08	-
Gross Loans, 5 Yr. CAGR %	19.18	16.15	14.87	12.99	10.78
Net Loans, 5 Yr. CAGR %	19.18	16.15	14.87	12.99	10.78
Non Performing Loans, 5 Yr. CAGR %	49.47	39.22	27.86	11.14	16.5
Non Performing Assets, 5 Yr. CAGR %	49.47	39.22	27.86	11.14	16.5
Total Assets, 5 Yr. CAGR %	20.49	17.61	15.62	13.14	12.52
Total Deposits, 5 Yr CAGR %	22.44	18.31	17.26	14.56	15.25
Tangible Book Value, 5 Yr. CAGR %	19.71	18.39	18.2	18.82	13.29
Common Equity, 5 Yr. CAGR %	19.71	18.39	18.2	18.82	13.29
Total Equity, 5 Yr. CAGR %	19.71	18.39	18.2	18.82	13.29