IndusInd Bank Limited — PPTs, 24-04-2026: Investor Presentation

IndusInd Bank reports strong financial results for Q4 FY26.

**Business Performance:** The bank saw enhanced retail mix with selective growth, pushing retail deposits to 47.9% of total. Total deposits grew 2% QoQ to ₹3,99,931 Cr. Total loans saw a slight dip of 1% QoQ to ₹3,15,871 Cr, primarily due to a 3% QoQ drop in wholesale loans, while retail and SME loans remained stable or saw slight growth. Asset quality improved, with Gross NPAs at 3.43% (down from 3.56% QoQ) and Net NPAs at 1.00% (down from 1.04% QoQ).

**Growth Drivers or Strategy:** The bank is focused on building a granular and cost-efficient liabilities franchise through process enhancements, premium product offerings, digital innovation, and expanding its rural and semi-urban distribution network, which includes 9,535+ touch points covering 1.62 lakh villages. Digital adoption is strong with 2.8 million+ monthly active users on its INDIE app.

**Recent Developments:** Leadership team changes are complete with new heads for Retail Banking, Global Markets, Risk, and Information. The bank is actively expanding its inclusive portfolio, which now accounts for ~47% of its loan book, and aims for carbon neutrality in operations by 2032.

**Key Financial Metrics:** Net Interest Income (NII) was ₹4,371 Cr (+43% YoY). Operating Profit stood at ₹2,295 Cr. Net Profit surged to ₹594 Cr (+364% QoQ), with EPS at ₹30.5. Capital Adequacy Ratio (CRAR) is healthy at 17.48%.

**Management Commentary / Outlook:** The bank emphasizes continued focus on improving slippages and recoveries, driven by its strategic shift towards granular retail and SME segments and robust digital initiatives for customer engagement.