Indian Bank — PPTs, 22-01-2026: Investor Presentation

Indian Bank reported solid Q3FY26 financial results.

1. **Business Performance:** Total business grew 13.34% YoY to ₹14.30 lakh Cr, with deposits up 12.62% to ₹7.91 lakh Cr and advances rising 14.24% to ₹6.39 lakh Cr. Net Profit increased 7.33% YoY to ₹3061 Cr, while Net Interest Income (NII) grew 7.50% to ₹6896 Cr. Asset quality saw significant improvement, with Gross NPA at 2.23% (down 103 bps YoY) and Net NPA at 0.15% (down 6 bps YoY). Retail, Agriculture, and MSME (RAM) segments were key drivers, with RAM advances growing 16.65% YoY to ₹3.90 lakh Cr, now forming 66.06% of domestic advances.

2. **Growth Drivers or Strategy:** The bank continues its focus on expanding the RAM segment and accelerating digital transformation. It has also exceeded all mandatory RBI priority sector targets.

3. **Recent Developments:** Key digital launches include the 'IndSMART Biz' app for MSMEs, Digital Document Execution for paperless contracts, and a Next Gen Contact Centre. A wholly-owned subsidiary was recently incorporated to provide comprehensive outsourcing solutions.

4. **Key Financial Metrics:** Earnings Per Share (EPS) for the quarter was ₹90.92, with Return on Assets (RoA) at 1.30% and Return on Equity (RoE) at 19.11%.

5. **Management Commentary / Outlook:** The bank aims to sustain strong RAM growth and leverage digital platforms to enhance operational efficiency and customer engagement.