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<\/a><\/p>\n\u2022 Net Profit up by 32% YoY at \u20b92956 Cr in Mar\u201925 from \u20b92247 Cr in Mar\u201924<\/p>\n
\u2022 Operating Profit improved by 17% YoY to \u20b95019 Cr in Mar\u201925 from \u20b94305 Cr in Mar\u201924<\/p>\n
\u2022 Net Interest Income increased by 6% YoY to \u20b96389 Cr in Mar\u201925 from \u20b96015 Cr in Mar\u201924<\/p>\n
\u2022 Return on Assets (RoA) up by 22 bps to 1.37% in Mar\u201925 from 1.15% in Mar\u201924<\/p>\n
\u2022 Return on Equity (RoE) increased by 195 bps to 21.01% in Mar\u201925 from 19.06% in Mar\u201924<\/p>\n
\u2022 Yield on Investments (YoI) increased by 35 bps to 7.23% in Mar\u201925 from 6.88% in Mar\u201924<\/p>\n
\u2022 Cost-to-Income Ratio reduced by 294 bps to 45.05% in Mar\u201925 from 47.99% in Mar\u201924<\/p>\n
\u2022 Yield on Advances (YoA) stood at 8.64% in Mar\u201925<\/p>\n
\u2022 Gross Advances increased by 10% YoY to \u20b9588140 Cr in Mar\u201925 from \u20b9533773 Cr in Mar\u201924<\/p>\n
\u2022 RAM (Retail, Agriculture & MSME) advances grew by 13% YoY to \u20b9350876 Cr in Mar\u201925 from \u20b9309918 Cr in Mar\u201924<\/p>\n
\u2022 RAM contribution to gross domestic advances stood at 64.23%. Retail, Agri & MSME advances grew by 14%, 14% and 12% YoY respectively. Home Loan (including mortgage) grew by 12% YoY in Mar\u201925<\/p>\n
\u2022 Priority sector advances as a percentage of ANBC stood at 44% (\u20b9204230 Cr) in Mar\u201925 as against the regulatory requirement of 40%<\/p>\n
\u2022 Total Deposits increased by 7% YoY and reached to \u20b9737154 Cr in Mar\u201925 as against \u20b9688000 Cr in Mar\u201924.<\/p>\n
\u2022 Domestic CASA ratio stood at 40.17% as on 31st Mar\u201925<\/p>\n
\u2022 CD ratio stood at 79.79% as on 31st Mar\u201925<\/p>\n
\u2022 GNPA% decreased by 86 bps YoY to 3.09% in Mar\u201925 from 3.95% in Mar\u201924, NNPA% reduced by 24 bps to 0.19% in Mar\u201925 from 0.43% in Mar\u201924<\/p>\n
\u2022 Provision Coverage Ratio (PCR, including TWO) improved by 176 bps YoY to 98.10% in Mar\u201925 from 96.34% in Mar\u201924<\/p>\n
\u2022 Slippage Ratio improved by 2 bps to 1.09% in Mar\u201925 from 1.11% in Mar\u201924<\/p>\n
\u2022 Capital Adequacy Ratio improved by 150 bps to 17.94%. CET-I improved by 184 bps YoY to 15.36%, Tier-I Capital improved by 182 bps YoY to 15.85% in Mar\u201925<\/p>\n
\u2022 Earnings Per Share (EPS) increased by 32% to \u20b987.78 in Mar\u201925 from \u20b966.73 in Mar\u201924<\/p>\n
\u2022 Net Profit up by 4% QoQ to \u20b92956 Cr in Mar\u201925 from \u20b92852 Cr in Dec\u201924<\/p>\n
\u2022 Operating Profit improved by 6% QoQ to \u20b95019 Cr in Mar\u201925 from \u20b94749 Cr in Dec\u201924<\/p>\n
\u2022 Cost of Deposit decreased by 8 bps to 5.10% in Mar\u201925 from 5.18% in Dec\u201924<\/p>\n
\u2022 NIM (Domestic) stood at 3.48% in Mar\u201925<\/p>\n
\u2022 GNPA reduced by 17 bps to 3.09% in Mar\u201925 from 3.26% in Dec\u201924, NNPA reduced by 2 bps to 0.19% in Mar\u201925 from 0.21% in Dec\u201924<\/p>\n
\u2022 Net Profit up by 35% YoY to \u20b910918 Cr in FY25 from \u20b98063 Cr in FY24<\/p>\n
\u2022 Operating Profit increased by 13% YoY to \u20b918998 Cr in FY25 from \u20b916840 Cr in FY24<\/p>\n
\u2022 Net Interest Income grew by 8% YoY to \u20b925176 Cr in FY25 from \u20b923274 Cr in FY24<\/p>\n
\u2022 Fee based income grew by 7% YoY to \u20b93528 Cr in FY25 from \u20b93298 Cr in FY24<\/p>\n
\u2022 Net Interest Margin (NIM) Domestic stood at 3.51% in FY25<\/p>\n
\u2022 Yield on Advances (YoA) up by 3 bps to 8.75% in FY25 from 8.72% in FY24<\/p>\n
\u2022 Yield on Investment (YoI) improved by 37 bps to 7.17% in FY25 from 6.80% in FY24<\/p>\n
\u2022 Return on Assets (RoA) improved by 25 bps to 1.32% in FY25 from 1.07% in FY24<\/p>\n
\u2022 Return on Equity (RoE) increased by 152 bps to 20.76% in FY25 from 19.24% in FY24<\/p>\n
\u2022 Cost-to-Income Ratio reduced by 115 bps to 44.77% in FY25 from 45.92% in FY24<\/p>\n
\u2022 Slippage Ratio improved by 38 bps to 1.11% in FY25 from 1.49% in FY24<\/p>\n
\u2022 Credit Cost decreased by 11 bps to 0.66% in FY25 from 0.77% in FY24<\/p>\n
Network:<\/p>\n
\u2022 The Bank has 5901 domestic branches (including 3 DBUs), out of which 1992 are Rural, 1555 are Semi-Urban, 1182 are Urban & 1172 are in Metro category. The Bank has 3 overseas branches & 1 IBU (Gift City Branch).<\/p>\n
\u2022 The Bank has 5268 ATMs & BNAs and 14667 Business Correspondents (BCs).<\/p>\n
Digital Banking:<\/p>\n
\u2022 Business of \u20b91,67,390 Cr has been generated through Digital Channels in FY25. A total of 121 Digital Journeys, Utilities and Processes have been launched so far.<\/p>\n
\u2022 Number of Mobile Banking users has grown by 16% year over year, reaching 1.94 Cr in FY25.<\/p>\n
\u2022 UPI users and Net Banking Users have seen a 25% & 8% YoY increase respectively, reaching 2.18 Cr and 1.15 Cr respectively in the same period.<\/p>\n
\u2022 The Credit Card users increased by 25% YoY to 2.78 lakh. The transactions in Point of Sale (PoS) terminals has increased by 13% YoY, reaching to 128 lakh in FY25.<\/p>\n
Awards & Accolades:<\/p>\n
\u2022 The Bank received prestigious SKOCH Award for \u201cProject WAVE\u201d, an Indian Bank’s digital transformation journey and for \u201cSMA Collection Proclivity Predictor\u201d- a model built to predict the probability of default for Special Mention Accounts (SMA) and reduce risks by outlining a targeted collection journey.<\/p>\n
\u2022 At the EASE 6.0 Reforms Index awards, the Bank was awarded as the second-best improver in the Top Improver category and it secured the third position in the People & HR Operations category.<\/p>\n
\u2022 The Chief Financial Officer of Indian Bank was honored with the prestigious Best CFO Award at the ASSOCHAM 3rd Vibrant Bharat CFO Summit & Awards held in New Delhi.<\/p>\n
\u2022 The Bank was recognized at ASSOCHAM’s 11th MSME Excellence Award & Conference in New Delhi, receiving accolades for Excellent Customer Service for MSMEs and being named the Best Technology Enabler of the Year for MSMEs.<\/p>\n
\u2022 Indian Bank was honoured during the ET Now Best BFSI Brands 2025 Conclave.<\/p>\n
\u2022 The Bank has received The Economic Times CIO Award for Enterprise IT Excellence 2025 for its exceptional achievement in implementing cutting-edge technology for a future-proof digital infrastructure.<\/p>\n
\u2022 The Bank won the 5th edition of Most Trusted Brands in India 2025-26 by Marksmen Daily.<\/p>\n
Our Focus<\/p>\n
The Bank is dedicated to fostering growth through strategic initiatives such as quality credit expansion, enhanced focus on deposits, digital innovation, exceptional customer service, improved asset quality and increased profitability. To ensure sustainable development, the Bank prioritizes employee motivation by acknowledging their contributions. Furthermore, it aims to unlock the unique potential of various locations through strategic branch expansion, paving the way for holistic growth and enduring success.<\/p>\n
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Financial Results for the Quarter\/Year ended 31st March 2025 \u2022 Net Profit up by 32% YoY at \u20b92956 Cr in Mar\u201925 from \u20b92247 Cr in Mar\u201924 \u2022 Operating Profit improved by 17% YoY to \u20b95019 Cr in Mar\u201925 from \u20b94305 Cr in Mar\u201924 \u2022 Net Interest Income increased by 6% YoY to \u20b96389 Cr […]<\/p>\n","protected":false},"author":2,"featured_media":26820,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32,29,10,30,38,11,27,34,28],"tags":[],"class_list":["post-26819","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-classifieds","category-corporate","category-finance","category-legal","category-new-hopes","category-news","category-technology","category-value-added-services"],"_links":{"self":[{"href":"https:\/\/www.faceinews.com\/index.php?rest_route=\/wp\/v2\/posts\/26819","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.faceinews.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.faceinews.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.faceinews.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.faceinews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=26819"}],"version-history":[{"count":1,"href":"https:\/\/www.faceinews.com\/index.php?rest_route=\/wp\/v2\/posts\/26819\/revisions"}],"predecessor-version":[{"id":26821,"href":"https:\/\/www.faceinews.com\/index.php?rest_route=\/wp\/v2\/posts\/26819\/revisions\/26821"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.faceinews.com\/index.php?rest_route=\/wp\/v2\/media\/26820"}],"wp:attachment":[{"href":"https:\/\/www.faceinews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=26819"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.faceinews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=26819"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.faceinews.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=26819"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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