Indian Bank’s Board has approved the unaudited standalone and consolidated financial results for the second quarter (Q2) and half-year ended September 30, 2025. Key highlights include total income of ₹19,076.57 crore and net profit of ₹3,018.22 crore for the quarter. The bank continues to maintain strong capital adequacy and asset quality ratios.
Financial Performance Highlights
Indian Bank’s financial results for Q2 2025-26 show a strong performance across key metrics. The bank reported a total income of ₹19,076.57 crore for the quarter and a net profit of ₹3,018.22 crore. The results reflect the bank’s continued focus on sustainable growth and efficient operations.
Key Financial Figures
Here’s a breakdown of the key financial figures for the quarter ended September 30, 2025:
- Interest Earned: ₹16,589.94 crore
- Other Income: ₹2,486.63 crore
- Total Expenditure: ₹14,240.06 crore
- Operating Profit: ₹4,836.51 crore
Analytical Ratios
Indian Bank continues to maintain robust financial ratios, as indicated below:
- Capital Adequacy Ratio (Basel III): 17.31%
- Common Equity Tier (CET) 1 Ratio: 14.80%
- Gross NPA Ratio: 2.60%
- Net NPA Ratio: 0.16%
Segment Performance
The bank’s operations are divided into key segments, which posted the following income numbers for the quarter:
- Treasury Operations: ₹4,575.69 crore
- Corporate/Wholesale Banking: ₹6,000.10 crore
- Retail Banking: ₹7,940.37 crore
Additional Information
The results are subject to a limited review by the statutory central auditors. For detailed information, please refer to the official announcement by Indian Bank.
Furthermore, as of September 30, 2025, the bank has a provision coverage ratio of 98.28%, inclusive of technically written-off accounts.
Capital and Debt
As of September 30, 2025, Indian Bank’s capital and debt structure includes:
- Capital: ₹1,346.96 crore
- Reserves and Surplus: ₹73,943.38 crore
- Deposits: ₹776,945.78 crore
- Borrowings: ₹42,205.57 crore
Source: BSE
