INDUSINDBKNSEQ3 FY25January 31, 2025

IndusInd Bank Limited

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0executives
Key numbers — 40 extracted
₹ 3,66,889
nd Bank at a Glance 5th Largest Private Bank with Disproportionately Large Distribution Network ₹ 3,66,889 crs Loans Diversified Across Products and Geographies` ₹ 4,09,438 crs Deposits 42 mn Customers
₹ 4,09,438
ly Large Distribution Network ₹ 3,66,889 crs Loans Diversified Across Products and Geographies` ₹ 4,09,438 crs Deposits 42 mn Customers Across Segments 7,135 Group Network Pan India Universal Banking A
35%
iversal Banking Approach with Diversified Loan & Deposit Mix 54:46 Loan Mix Retail VS Wholesale 35% CASA Stable Low-cost Deposits Innovative Digital Approach Overall Digital Transaction Mix at 93%
93%
35% CASA Stable Low-cost Deposits Innovative Digital Approach Overall Digital Transaction Mix at 93% Strong Domain Expertise Long Vintage across Cycles Vehicle Finance 25% of the Loan Book Micro F
25%
igital Transaction Mix at 93% Strong Domain Expertise Long Vintage across Cycles Vehicle Finance 25% of the Loan Book Micro Finance 9% of the Loan Book Gems & Jewellery 3% of the Loan Book Robust B
9%
g Domain Expertise Long Vintage across Cycles Vehicle Finance 25% of the Loan Book Micro Finance 9% of the Loan Book Gems & Jewellery 3% of the Loan Book Robust Balance Sheet with Strong Capital Ad
3%
s Cycles Vehicle Finance 25% of the Loan Book Micro Finance 9% of the Loan Book Gems & Jewellery 3% of the Loan Book Robust Balance Sheet with Strong Capital Adequacy & Contingency Buffers Strong
16.46%
ong Capital Adequacy & Contingency Buffers Strong Profitability amongst highest in the Industry 16.46% CRAR Tier 1: 15.18% | Tier 2: 1.28% 118% Average LCR Well above regulatory requirement 70% PCR G
15.18%
& Contingency Buffers Strong Profitability amongst highest in the Industry 16.46% CRAR Tier 1: 15.18% | Tier 2: 1.28% 118% Average LCR Well above regulatory requirement 70% PCR GNPA 2.25% | NNPA 0.68
1.28%
ffers Strong Profitability amongst highest in the Industry 16.46% CRAR Tier 1: 15.18% | Tier 2: 1.28% 118% Average LCR Well above regulatory requirement 70% PCR GNPA 2.25% | NNPA 0.68% 3.93% Net Int
118%
Strong Profitability amongst highest in the Industry 16.46% CRAR Tier 1: 15.18% | Tier 2: 1.28% 118% Average LCR Well above regulatory requirement 70% PCR GNPA 2.25% | NNPA 0.68% 3.93% Net Interest
70%
y 16.46% CRAR Tier 1: 15.18% | Tier 2: 1.28% 118% Average LCR Well above regulatory requirement 70% PCR GNPA 2.25% | NNPA 0.68% 3.93% Net Interest Margin 52.52% Cost to Income 4.19% Operating Pro
Guidance — 1 items
International Rating
opening
“Any opinion, estimate or projection herein constitutes a judgment as of the date of this presentation and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection.”
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Risks & concerns — 9 flagged
Rakesh Bhatia Non-Executive Independent Director Non-Executive Independent Director Non-Executive Independent Director Information Technology, Payments & Settlement Systems, Human Resource & Business Management Small Scale Industry Accountancy and Risk Management.
— International Rating
Non-Executive Independent Director Non-Executive Independent Director Banking, Accountancy, Finance, and Agriculture & Rural Economy Finance and Economics, Information Technology, Risk Management, and Business Management Mr.
— International Rating
Sudip Basu Non-Executive and Non- Independent Director Banking, Risk Management, Business Mr.
— International Rating
Sumant Kathpalia Managing Director & CEO Banking and Accountancy, Risk Management and Business Management Mr.
— International Rating
Arun Khurana Whole-time Director Banking, Economics, Finance, Risk Management and Business Management 46 Mr.
— International Rating
He currently serves as the President, Group Risk at Hinduja Group Ltd, since 2019.
— International Rating
Prior to that, He worked at Citibank from 1997-2019 at various key positions, extensively handling Risk Management and retired as Managing Director, Citibank NA, Mumbai Career banker with years of rich experience in large multi-national banks such as Citibank, Bank of America and ABN AMRO.
— International Rating
Managed multiple roles in area of Audit & Governance, Risk and Controls.
— International Rating
Any person placing reliance on the information contained in this presentation or any other communication by the Bank does so at his or her own risk and the Bank shall not be liable for any loss or damage caused pursuant to any act or omission based on or in reliance upon the information contained herein.
— International Rating
Speaking time
Segment-wise Yield
1
Domestic Rating
1
International Rating
1
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Opening remarks
Segment-wise Yield
Corporate Banking Consumer Banking Total Q3 FY25 Q2 FY25 Outstanding (₹ crs) Yield (%) Outstanding (₹ crs) Yield (%) 1,70,236 1,96,653 3,66,889 8.80% 14.89% 12.21% 1,66,118 1,91,041 3,57,159 8.89% 15.07% 12.31% •Yield on Assets/Cost of funds are based on Total Assets/Liabilities 22 Diversified Fee and Other Income Streams ₹ crs Q3FY25 Q3FY24 Y-o-Y(%) Q2FY25 Q-o-Q(%) Trade and Remittances Foreign Exchange Income Cards and Distribution Fees General Banking Fees Loan Processing Fees Investment Banking Total Core Fee Income Securities/MM/FX Trading/Others Total Other Income 266 266 662 318 595 16 2,123 232 2,355 227 276 743 286 626 7 2,165 231 2,396 Fee Income Mix 17% (4)% (11)% 11% (5)% 129% (2)% - (2)% 250 256 593 461 541 24 2,125 60 2,185 6% 4% 12% (31)% 10% (33)% - 287% 8% 67% CONSUMER BANKING 23% CORPORATE BANKING 10% TRADING & OTHER INCOME 23 Key Financial Indicators Net Interest Margin (%) Total Fee to Asset Ratio (%) 4.29% 4.26% 4.25% 4.08% 3.93% 2.0% 2.0% 1.9% 1.7% 1.8% Q3 FY24 Q4
Domestic Rating
Promoters 15.08% ▪ CRISIL A1+ for certificate of deposit program / short term FD ▪ CARE A1+ for Certificate of Deposits programme ▪ CRISIL AA+ for Infrastructure Bonds program/Tier 2 Bonds ▪ ▪ IND AA+ for Issuer Rating by India Ratings and Research IND AA+ for Senior bonds program/Tier 2 Bonds by India Ratings and Research
International Rating
▪ Ba1 for Senior Unsecured MTN programme by Moody’s MFs / Banks/ Insurance Co 38.50% Investors Service 32 Key Strengths of the Bank Diversified Loan Book with Domain Expertise in Livelihood Loans Robust Liability Franchise Strong Product Groups Robust Profitability Stable Asset Quality with Conservative Provisioning Healthy Capital Adequacy Diversified Distribution Network Executing Digital 2.0 Strategy ESG – Core to the Business Philosophy Experienced Board and Management Team 33 Disproportionately Large Distribution Network with Unparalleled Rural Presence Distribution Network with Deep Rural Presence Strengthening Distribution Infrastructure ~42 mn Customer Base 7,135 Group Network ~1,60,000 Villages Covered 2,993 ATMs Particulars Dec 31, 2023 Mar 31, 2024 June 30, 2024 Sep 30, 2024 Dec 31, 2024 Branches/Banking Outlets BFIL Branches Vehicle Finance Marketing Outlets (IMFS) ATMs 2,728 3,577 467 2,939 2,984 3,620 367 2,956 3,013 3,679 334 2,988 3,040 3,746 304 3,011 3,063 3,772 300 2
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