IndusInd Bank Limited — PPTs, 23-01-2026: Investor Presentation

Here is the summary of the investor presentation:

**Business Performance:** IndusInd Bank's Q3 FY26 saw strategic balance sheet recalibration. Loans hit ₹3,17,536 Cr (-3% QoQ), deposits ₹3,93,815 Cr (+1% QoQ). Retail deposits' share grew to 47.5%. Vehicle Finance (+5% YoY) and Home Loans (+94% YoY) led growth, balancing declines in Micro and Wholesale segments.

**Strategy & Developments:** Executing its 3-year P.A.C.E. roadmap, the bank prioritizes granular, cost-efficient liabilities via digital innovation (INDIE app: 2.7Mn+ MAU) and expanded rural distribution. Key leadership roles across Wholesale, HR, Data, SME, and Digital were strengthened with inductions, enhancing strategic execution.

**Key Financial Metrics:** NII rose 3% QoQ to ₹4,562 Cr. Operating Profit jumped 11% QoQ to ₹2,270 Cr, leading to ₹128 Cr Net Profit (from prior loss). NIMs stable at 3.35%. Asset quality improved: GNPA 3.56% (down QoQ), NNPA stable 1.04%, PCR at 72%. CRAR healthy at 16.94%.

**Management Outlook:** Management highlighted continued balance sheet re-calibration, shedding lower-return assets. Improving early buckets in Micro Loans and stable overall slippages reinforce their sustainable growth strategy.