Presentation on Audited Financial Results of the Bank for the fourth quarter and financial year ended on March 31, 2025
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Indian Bank reported strong FY25 results with net profit of ₹10,918 crore, up 35% year-on-year, and Q4 net profit of ₹2,956 crore, up 32% YoY. Total business grew 8.5% YoY to ₹13.25 lakh crore, with deposits at ₹7.37 lakh crore (+7%) and advances at ₹5.88 lakh crore (+10%). Retail, Agriculture, and MSME (RAM) advances grew 13% YoY to ₹3.51 lakh crore. Asset quality improved sharply with Gross NPA falling to 3.09% (from 3.95%) and Net NPA to 0.19% (from 0.43%), with provision coverage ratio at 98.10%. Return on Equity stood at 20.76% for the year and Capital Adequacy Ratio strengthened to 17.94%. The Board has approved a ₹12,000 crore capital raising plan for FY26 comprising equity (₹5,000 Cr), AT-1/Tier-II bonds (₹2,000 Cr), and infrastructure bonds (₹5,000 Cr).
Strong profit growth, improving asset quality, and healthy capital ratios are positive for shareholders, though domestic NIM dipped slightly to 3.51% from 3.54% YoY, indicating mild margin pressure. The sizeable FY26 fund-raising plan signals continued growth ambitions but could lead to some equity dilution.