IndusInd Bank Limited
6,171words
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Key numbers — 40 extracted
₹ 3,33,694
₹ 3,97,144
31%
93%
29%
8%
3%
16.63%
15.48%
1.16%
141%
70%
Guidance — 2 items
International Rating
opening
“A total of 1,758 credit proposals were evaluated and approved under the ESMS CredPro system in FY25.”
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 — 10 flagged
For large sized corporates undergo ESMS Risk evaluation.
— International Rating
Bhavna Doshi 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 * 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
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Opening remarks
Ref.
Investor Presentation on the Unaudited Consolidated and Standalone Financial Results of the Bank for the quarter ended June 30, 2025 Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Please find enclosed herewith the Investor Presentation on the Unaudited Consolidated and Standalone Financial Results of the Bank for the quarter ended June 30, 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 | Visit us:www.indusind.com CIN: L65191PN
Segment-wise Yield
Corporate Banking Consumer Banking Total Q1 FY26 Q4 FY25 Outstanding (₹ crs) Yield (%) Outstanding (₹ crs) Yield (%) 1,32,421 2,01,273 3,33,694 8.44% 13.66% 11.62% 1,43,463 2,01,556 3,45,019 8.07% 10.52% 9.45% •Yield on Assets/Cost of funds are based on Total Assets/Liabilities 22 Diversified Fee and Other Income Streams ₹ crs Q1FY26 Q1FY25 Y-o-Y(%) Q4FY25 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 One off Derivative Impact Total Other Income 222 149 296 314 541 10 1,532 625 - 2,157 268 205 659 600 596 20 2,348 93 - 2,441 Fee Income Mix (17)% (27)% (55)% (48)% (9)% (50)% (35)% 572% - (12)% 255 242 1,220 52 525 11 2,305 364 (1,960) 709 (13)% (38)% (76)% 504% 3% (9)% (34)% 73% - 204% 56% CONSUMER BANKING 15% CORPORATE BANKING 29% TRADING & OTHER INCOME 23 Key Financial Indicators Net Interest Margin (%) 4.25% 4.08% 3.93% 3.46% 2.25% To
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
▪ Ba1 for Senior Unsecured MTN programme by Moody’s FIIs 32.12% MFs / Banks/ Insurance Co 31.21% 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 ~42 mn Customer Base 7,211 Group Network ~1,64,000 Villages Covered 3,052 ATMs Particulars June 30, 2024 Sep 30, 2024 Dec 31, 2024 Mar 31, 2025 June 30, 2025 Branches/Banking Outlets BFIL Branches Vehicle Finance Marketing Outlets (IMFS) ATMs 3,013 3,679 334 2,988 3,040 3,746 304 3,011 3,063 3,772 300 2,993 3,081 3,796 297 3,027 3,1
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