IndusInd Bank has released its investor presentation for the unaudited consolidated and standalone financial results for the quarter and nine months ended December 31, 2025. The presentation offers insights into the bank’s performance, business strategy, and key financial metrics. Details regarding asset quality, capital adequacy, and other operational highlights are included. This information aims to provide stakeholders with a comprehensive view of the bank’s financial standing and future prospects.
Q3 FY26 Executive Summary
IndusInd Bank’s recalibration of its balance sheet continues. Stable Net Interest Margins, excluding one-offs, are at 3.35% versus 3.32% QoQ. There was an 11% QoQ growth in Operating Profit, driven by stable NIMs and cost optimization. The Bank reported a Profit of ₹128 crs against a Loss of ₹437 crs QoQ.
Key Financial Metrics
The bank’s Loans reached ₹3,17,536crs, and Deposits totaled ₹3,93,815 crs. The Net NPA was at 1.04%. Liquidity Coverage Ratio stood at 122%. Book Value Per Share was ₹797.
Business Performance
The deposit mix shows 70% from CASA TD. The loan book is significantly comprised of Retail at 51%, Vehicle Finance at 31%, and Rural Banking at 10%.
Asset Quality
Gross NPA was 3.56%, while Net NPA was 1.04%. The Provision Coverage Ratio was 72%.
Capital and Liquidity
The bank’s CRAR stood at 16.94%. CET1 was at 15.74%, with the Liquidity Coverage Ratio at 122%.
Digital Banking Growth
The Indie App has seen 4.3Mn+ transactions and the Indie for Business App has had ₹96 Cr.+ Tax & Bill Payments.
Source: BSE
