Indusind Bank Limited has informed the Exchange about Investor Presentation
INDUSINDBK · price
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IndusInd Bank reported Q4 FY26 net profit of ₹594 crs, up 364% QoQ from a low base of ₹128 crs, with operating profit steady at ₹2,295 crs. Net Interest Income came in at ₹4,371 crs (up 43% YoY, down 4% QoQ), while Net Interest Margin improved to 3.39% (ex one-offs) from 3.35% QoQ. Asset quality improved with GNPA at 3.43% (vs 3.56% QoQ) and NNPA at 1.00% (vs 1.04% QoQ); Provision Coverage Ratio stood at 71%. Deposits grew 2% QoQ to ₹3,99,931 crs aided by retail deposit share rising to 47.9%, while loans declined 1% QoQ and 8% YoY to ₹3,15,871 crs reflecting continued weakness in wholesale and microfinance. Capital position remains healthy with CRAR at 17.48% and average LCR at 118%. The bank noted its leadership team is largely in place with new heads for Retail Banking, Global Markets, Chief Risk Officer, and CIO onboarded.
The sharp QoQ jump in net profit and improving NIM signal gradual operational recovery, but the year-on-year decline in loans (down 8%) and still-elevated GNPA at 3.43% suggest asset quality and growth challenges persist. For shareholders, this is a mixed quarter — better than the immediately preceding quarter, but profitability ratios (RoA 0.45%, RoE 3.63%) remain weak compared to peers, leaving the stock sentiment cautiously dependent on sustained margin and slippage improvement.