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INDIANBIndian Bank

700(+0.11%)

1W: +4.37%

1M: +10.16%

1Y: +32.08%

Financials

Charts

YoY Net Sales

Operating Margin

EPS Growth

Pros & Cons

POSITIVES

Consistent revenue growth, increasing from ₹13,763.80 crore in Q3 2023 to ₹15,369 crore in Q4 2024, indicating robust demand.
Net profit grew significantly to ₹2,740.03 crore in Q4 2024, up from ₹2,008.12 crore in Q3 2023, showcasing strong profitability improvements.
Operating expenses managed effectively, showing a decrease from ₹4,127.38 crore in Q4 2024 to ₹3,733.21 crore in Q3 2023, enhancing margins.

NEGATIVES

High interest expenses remain a concern, rising from ₹8,002.62 crore in Q3 2023 to ₹9,153.50 crore in Q4 2024, impacting overall profitability.
A decline in financing profit noted, dropping from ₹2,162.10 crore in Q3 2023 to ₹2,170.84 crore in Q4 2024, indicating potential liquidity issues.
Operating costs as a percentage increased slightly, suggesting pressure on margins despite revenue growth.

Quarterly Results Data

Field	Trend	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue		13,763.80	14,202.60	14,633.40	15,040.60	15,369	15,770.20	15,859.60	16,285.10
Expenses		11,601.70	12,192.01	12,736.51	12,593.72	13,198.16	13,387.28	13,770.24	14,113.22
Financing Profit		2,162.10	2,010.59	1,896.89	2,446.88	2,170.84	2,382.92	2,089.36	2,171.88
Other Income		2,165.61	2,112.77	2,432.08	2,077.13	2,602.21	2,397.38	2,934.73	2,620.50
Depreciation		0	0	0	0	0	0	0	0
Profit Before Tax		2,776.74	2,774.21	3,078.20	3,262.93	3,673.99	3,720.65	4,229.81	3,334.77
Tax		768.62	637.88	817.89	845.63	933.96	844.50	1,268.42	1,116.26
Net Profit		2,008.12	2,136.33	2,260.31	2,417.30	2,740.03	2,876.15	2,961.39	2,218.51
Gross Npa %		4.97	4.47	3.95	3.77	3.48	3.26	3.09	3.01
Net Npa %		0.60	0.53	0.43	0.39	0.27	0.21	0.19	0.18