INDUSINDBKNSEQ4 FY25May 21, 2025

IndusInd Bank Limited

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Key numbers — 40 extracted
₹ 3,45,019
nd Bank at a Glance 5th Largest Private Bank with Disproportionately Large Distribution Network ₹ 3,45,019 crs Loans Diversified Across Products and Geographies` ₹ 4,10,862 crs Deposits 41 mn Customers
₹ 4,10,862
ly Large Distribution Network ₹ 3,45,019 crs Loans Diversified Across Products and Geographies` ₹ 4,10,862 crs Deposits 41 mn Customers Across Segments 7,174 Group Network Pan India Universal Banking A
33%
iversal Banking Approach with Diversified Loan & Deposit Mix 58:42 Loan Mix Retail vs Wholesale 33% CASA Stable Low-cost Deposits Innovative Digital Approach Overall Digital Transaction Mix at 93%
93%
33% CASA Stable Low-cost Deposits Innovative Digital Approach Overall Digital Transaction Mix at 93% Strong Domain Expertise Long Vintage across Cycles Vehicle Finance 28% of the Loan Book Micro F
28%
igital Transaction Mix at 93% Strong Domain Expertise Long Vintage across Cycles Vehicle Finance 28% 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 28% 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 28% 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 16.24% CRAR Tier 1: 15.10% |
16.24%
oan Book Gems & Jewellery 3% of the Loan Book Robust Balance Sheet with Strong Capital Adequacy 16.24% CRAR Tier 1: 15.10% | Tier 2: 1.14% 118% Average LCR Well above regulatory requirement 70% PCR G
15.10%
llery 3% of the Loan Book Robust Balance Sheet with Strong Capital Adequacy 16.24% CRAR Tier 1: 15.10% | Tier 2: 1.14% 118% Average LCR Well above regulatory requirement 70% PCR GNPA 3.13% | NNPA 0.95
1.14%
oan Book Robust Balance Sheet with Strong Capital Adequacy 16.24% CRAR Tier 1: 15.10% | Tier 2: 1.14% 118% Average LCR Well above regulatory requirement 70% PCR GNPA 3.13% | NNPA 0.95% Key Profitabi
118%
k Robust Balance Sheet with Strong Capital Adequacy 16.24% CRAR Tier 1: 15.10% | Tier 2: 1.14% 118% Average LCR Well above regulatory requirement 70% PCR GNPA 3.13% | NNPA 0.95% Key Profitability M
70%
16.24% CRAR Tier 1: 15.10% | Tier 2: 1.14% 118% Average LCR Well above regulatory requirement 70% PCR GNPA 3.13% | NNPA 0.95% Key Profitability Metrics 2.25% Net Interest Margin 113.07% Cost to
Guidance — 1 items
Key Enhancements made during the year
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.
— Key Enhancements made during the year
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.
— Key Enhancements made during the year
Sudip Basu Non-Executive and Non- Independent Director Banking, Risk Management, Business Mr.
— Key Enhancements made during the year
Sumant Kathpalia* Managing Director & CEO Banking and Accountancy, Risk Management and Business Management Mr.
— Key Enhancements made during the year
Arun Khurana** Whole-time Director Banking, Economics, Finance, Risk Management and Business Management * Mr.
— Key Enhancements made during the year
He currently serves as the President, Group Risk at Hinduja Group Ltd, since 2019.
— Key Enhancements made during the year
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.
— Key Enhancements made during the year
Managed multiple roles in area of Audit & Governance, Risk and Controls.
— Key Enhancements made during the year
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.
— Key Enhancements made during the year
Speaking time
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Segment-wise Yield
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Domestic Rating
1
International Rating
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Coming Soon
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Key Enhancements made during the year
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Opening remarks
Ref.
Investor Presentation on the Audited Standalone and Consolidated Financial Results of the Bank for the quarter and financial year ended March 31, 2025 Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Please find enclosed herewith the Investor Presentation on the Audited Standalone and Consolidated Financial Results of the Bank for the quarter and financial year ended March 31, 2025. This intimation is also being uploaded on the Bank's website at www.indusind.com. We request you to take the information on record. Thanking you, Yours faithfully, For IndusInd Bank Limited Anand Kumar Das Company Secretary Encl: a/a Solitaire Corporate Park Office: IndusInd Bank Limited, Building No.7, Ground floor, Solitaire Corporate Park, Andheri –Ghatkopar Link Road, Chakala Andheri (E), Mumbai – 400 093, India, Tel: (022) 66412442 Registered Office: 2401 Gen. Thimmayya Road, Pune 411001, India Contact us:(020) 2634 3201| Email us: reachus@indusind.com | Vis
Segment-wise Yield
Corporate Banking Consumer Banking Total Q4 FY25 Q3 FY25 Outstanding (₹ crs) Yield (%) Outstanding (₹ crs) Yield (%) 1,43,463 2,01,556 3,45,019 8.07% 10.52% 9.45% 1,70,236 1,96,653 3,66,889 8.80% 14.89% 12.21% •Yield on Assets/Cost of funds are based on Total Assets/Liabilities 22 Diversified Fee and Other Income Streams ₹ crs 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 One off Derivative Impact Total Other Income Q4FY25 255 242 1,220 52 525 11 2,305 364 (1,960) 709 Q4FY24 Y-o-Y(%) Q3FY25 Q-o-Q(%) 239 235 864 294 630 31 2,293 215 - 2,508 7% 3% 41% (82)% (17)% (65)% 1% 69% - (72)% 266 266 662 318 595 16 2,123 232 - 2,355 (4)% (9)% 84% (84)% (12)% (31)% 9% 57% - (70)% Fee Income Mix* 71% CONSUMER BANKING 15% CORPORATE BANKING 14% TRADING & OTHER INCOME *Excluding impact of One off Derivative Impact 23 Key Financial Indicators Net Interest Margin
Domestic Rating
▪ CARE A1+ for Certificate of Deposits ▪ CRISIL A1+ for certificate of deposit program / short term FD 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
FIIs 27.42% ▪ Ba1 for Senior Unsecured MTN programme by Moody’s MFs / Banks/ Insurance Co 34.12% Investors Service 32 Key Strengths of the Bank Diversified Loan Book with Domain Expertise in Livelihood Loans Robust Liability Franchise Strong Product Groups Profitability Metrics 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 ~41 mn Customer Base 7,174 Group Network ~1,62,000 Villages Covered 3,027 ATMs Particulars Mar 31, 2024 June 30, 2024 Sep 30, 2024 Dec 31, 2024 Mar 31, 2025 Branches/Banking Outlets BFIL Branches Vehicle Finance Marketing Outlets (IMFS) ATMs 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 2,993 3,08
Coming Soon
cross-border payments redefined for businesses Easy Credit continued to scale as a platform 1.2 Mn applications processed each month ; YoY growth of 39% Digitized KYC and Fraud checks 15 Mn Applications Processed annually across products Integrated with AA / Bureau / GST / ULI Machine Learning models drive algorithmic decisioning End to end digital workflow Digitized disbursement: E-sign, E-mandate, E-stamp Seamless onboarding across DIY, Partnerships, Branch / Sales led models Multiple products – credit cards, personal loans, business loans, working capital loans upto 5 cr 38 100% of personal loans and credit cards originated digitally
Key Enhancements made during the year
Personal Loans • Account Aggregator Integration • Cross Sell of Insurance during • journey E-Stamping enablement across states • New Partnership Integration Credit Cards • • • Secured Credit Card Co-Bundling of Savings Account Greater STP % Business Banking • Enabling CGTMSE Facility for customers Digitized Valuation Workflow Digitized Account Opening • • Small Ticket Business Loan • Real time loans for New to Bank customers Direct Digital Business continues to scale with quality Customer Data Model with 500+ customer attributes across 23 Mn clients bank wide Over 500+ campaigns and 1 Bn+ personalised nudges each month via In app banners| Overlay banners | Mobile Push Notifications | Email | SMS | Whatsapp 100+ Machine Learning based propensity models generate campaign triggers to drive higher cross-sell, retention and transaction intensity 20,000+ Credit Cards opened each month 40,000+ Savings Accounts opened each month (peak 2.2L monthly) 80,000+ FDs opened each month 2200 Cr+ fixed
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