Indian Bank Quarterly Results

Charts

Revenue Growth (Quarterly)

Financing Margin

EPS Growth

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.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25
Revenue	13,049.90	13,763.80	14,202.58	14,633.41	15,040.63	15,369.01	15,770.16	15,859.63	16,285.10	16,628.28
Expenses	10,763.30	11,601.70	12,192.01	12,736.51	12,593.72	13,198.16	13,387.28	13,770.24	14,113.22	14,409.59
Financing Profit	2,286.60	2,162.10	2,010.57	1,896.90	2,446.91	2,170.85	2,382.88	2,089.39	2,171.88	2,218.69
Other Income	1,871.49	2,165.61	2,112.77	2,432.08	2,077.13	2,602.21	2,397.38	2,934.73	2,620.50	2,642.81
Depreciation	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	2,414.51	2,776.74	2,774.21	3,078.20	3,262.93	3,673.99	3,720.65	4,229.81	3,334.77	4,122.99
Tax	690.12	768.62	637.88	817.89	845.63	933.96	844.50	1,268.42	1,116.26	1,082.46
Net Profit	1,724.39	2,008.12	2,136.33	2,260.31	2,417.30	2,740.03	2,876.15	2,961.39	2,218.51	3,040.53
Gross Npa %	5.47	4.97	4.47	3.95	3.77	3.48	3.26	3.09	3.01	2.60
Net Npa %	0.70	0.60	0.53	0.43	0.39	0.27	0.21	0.19	0.18	0.16