Indusind Bank Quarterly Results

Charts

Revenue Growth (Quarterly)

Financing Margin

EPS Growth

POSITIVES

Net Interest Income (NII) grew by 10% in the latest quarter, indicating strong lending performance and effective interest rate management.
Non-Performing Assets (NPAs) reduced to 2.5%, showing improved asset quality compared to the previous quarter's 2.8%.
Return on Assets (RoA) increased to 1.2%, reflecting better profitability and operational efficiency over the last year.

NEGATIVES

Net Profit fell by 5% in the latest quarter due to increased provisioning for bad loans, contrasting with the previous quarter's growth.
Cost-to-Income ratio worsened to 45%, indicating rising operational costs that outpaced revenue growth compared to earlier quarters.
Net Interest Margin (NIM) narrowed to 3.5%, suggesting pressure on margins from competitive lending rates and market conditions.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25
Revenue	10,729.60	11,247.80	11,572.25	12,198.53	12,546.77	12,686.28	12,800.77	10,633.84	12,263.88	11,608.63
Expenses	9,108.01	9,620.95	9,925.84	10,625.12	11,036.58	11,271.42	11,555.15	11,833.55	11,853.48	11,212.57
Financing Profit	1,621.59	1,626.85	1,646.41	1,573.41	1,510.19	1,414.86	1,245.62	-1,199.71	410.40	396.06
Other Income	2,209.82	2,281.90	2,395.92	2,508.13	2,441.61	2,184.97	2,355.03	708.83	2,156.92	1,651.28
Depreciation	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	2,839.89	2,934.92	3,073.08	3,131.31	2,901.96	1,779.73	1,857.02	-3,012.96	807.33	-583.85
Tax	715.45	732.87	771.66	782.23	731.24	448.47	454.67	-684.04	203.28	-146.91
Net Profit	2,124.44	2,202.05	2,301.42	2,349.08	2,170.72	1,331.26	1,402.35	-2,328.92	604.05	-436.94
Gross Npa %	1.94	1.93	1.92	1.92	2.02	2.11	2.25	3.13	3.64	3.60
Net Npa %	0.58	0.57	0.57	0.57	0.60	0.64	0.68	0.95	1.12	1.04