Nine Monthly Results Results Snapshot
Figures in Rs cr
Standalone Nine Monthly Results
Dec'24
Dec'23
Dec'22
Dec'21
Dec'20
Dec'19
Dec'18
Interest Earned
46,146.27
40,990.29
32,697.79
29,023.80
30,201.86
15,912.24
14,216.93
Income On Investments
11,411.87
9,852.74
8,580.94
8,213.11
8,378.27
3,876.27
3,788.79
Interest On Balances With Rbi Other Inter Bank Funds
1,198.41
969.71
655.86
481.39
348.57
127.48
89.71
Interest / Discount On Advances / Bills
33,399.64
29,982.35
23,090.91
20,249.28
21,430.11
11,896.27
10,324.74
Others
136.35
185.49
370.08
80.02
44.92
12.23
13.70
Other Income
6,480.21
5,604.19
5,149.19
5,342.69
4,069.01
2,470.82
1,313.30
Total Income
52,626.48
46,594.48
37,846.98
34,366.49
34,270.87
18,383.06
15,530.23
Interest Expended
27,359.24
23,732.40
17,980.65
16,551.02
17,870.25
10,308.59
8,962.30
Net Interest Income
18,787.03
17,257.89
14,717.14
12,472.78
12,331.61
5,603.65
5,254.63
Total Expenditure (Excl Depreciation)
11,287.71
10,327.51
8,611.28
7,836.16
7,819.63
3,279.69
2,932.72
Employee Cost
7,182.67
6,631.25
5,307.34
4,746.28
4,976.07
1,848.84
1,650.94
Other Operating Expenses
4,105.04
3,696.26
3,303.94
3,089.88
2,843.56
1,430.85
1,281.78
Operating Profit Before Provisions and Contingencies
13,979.53
12,534.57
11,255.05
9,979.31
8,580.99
4,794.78
3,635.21
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
3,416.67
4,640.66
6,793.21
7,598.78
6,471.29
3,233.46
2,957.58
Profit Before Tax
10,562.86
7,893.91
4,461.84
2,380.53
2,109.70
1,561.33
677.65
Tax
2,600.64
2,077.97
627.42
-580.03
813.87
590.23
165.92
Profit After Tax
7,962.22
5,815.94
3,834.42
2,960.56
1,295.83
971.09
511.73
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
7,962.22
5,815.94
3,834.42
2,960.56
1,295.83
971.09
511.73
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
51,065.97
40,620.42
36,252.34
31,527.61
18,492.62
15,813.36
15,346.69
Operating Profit Margin (Excl OI)
75.54%
74.8%
73.66%
73.0%
74.11%
79.39%
79.37%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
17.25%
14.19%
11.73%
10.2%
4.29%
6.1%
3.6%
Net Interest Margin
3.45%
3.41%
3.67%
3.03%
3.13%
2.71%
2.88%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
38.32%
39.67%
40.4%
41.67%
41.0%
40.0%
0.0%
CASA Amount
2,69,133.00
2,59,512.00
2,41,213.00
2,34,422.00
2,13,044.00
1,92,580.00
78,891.00
Capital Adequacy Ratio (Total)
15.92%
15.58%
15.74%
15.47%
14.06%
15.0%
12.67%
Capital Adequacy Ratio (Tier 1)
13.77%
12.88%
12.58%
12.03%
11.18%
13.12%
11.24%
Provision Coverage Ratio (%)
98.09%
95.9%
93.59%
85.49%
86.51%
70.84%
60.91%
Amount of Gross NPAs
18,208.35
22,786.52
29,483.91
36,539.57
35,237.24
13,892.20
13,198.40
Amount of Net NPAs
1,126.86
2,578.72
4,270.48
10,154.90
8,537.48
6,487.59
7,571.07
% of Net NPAs
0.21%
0.53%
1.0%
2.72%
2.35%
3.5%
4.42%
% of Gross NPAs
3.26%
4.47%
6.53%
9.13%
9.04%
7.2%
7.46%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
5224.0
4899.0
4969.0
4998.0
5428.0
3988.0
3787.0
Number of Branches
5877.0
5835.0
5770.0
5757.0
6006.0
2890.0
2842.0
Nine Monthly Analysis Highlights
Interest Earned
YoY Growth in nine months ended Dec 2024 is 12.58% vs 25.36% in Dec 2023
Net Profit
YoY Growth in nine months ended Dec 2024 is 36.90% vs 51.68% in Dec 2023
Operating Profit (PBDIT)
YoY Growth in nine months ended Dec 2024 is 11.53% vs 11.37% in Dec 2023
% of Net NPAs
YoY Growth in nine months ended Dec 2024 is -0.32% vs -0.47% in Dec 2023
% of Gross NPAs
YoY Growth in nine months ended Dec 2024 is -1.21% vs -2.06% in Dec 2023
Compare Nine Monthly Results Of Indian Bank With
Figures in Rs cr
Standalone Nine Monthly Results
Change(INR)
Change(%)
Interest Earned
46,146.27
21,923.37
24,222.90
110.49%
Income On Investments
11,411.87
6,179.65
5,232.22
84.67%
Interest On Balances With Rbi Other Inter Bank Funds
1,198.41
282.48
915.93
324.25%
Interest / Discount On Advances / Bills
33,399.64
14,506.04
18,893.60
130.25%
Others
136.35
955.20
-818.85
-85.73%
Other Income
6,480.21
2,867.34
3,612.87
126.0%
Total Income
52,626.48
24,790.71
27,835.77
112.28%
Interest Expended
27,359.24
10,586.86
16,772.38
158.43%
Net Interest Income
18,787.03
11,336.51
7,450.52
65.72%
Total Expenditure (Excl Depreciation)
11,287.71
6,320.07
4,967.64
78.6%
Employee Cost
7,182.67
3,086.44
4,096.23
132.72%
Other Operating Expenses
4,105.04
3,233.63
871.41
26.95%
Operating Profit Before Provisions and Contingencies
13,979.53
7,883.78
6,095.75
77.32%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
3,416.67
277.33
3,139.34
1131.99%
Profit Before Tax
10,562.86
7,606.45
2,956.41
38.87%
Tax
2,600.64
2,142.46
458.18
21.39%
Profit After Tax
7,962.22
5,463.99
2,498.23
45.72%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
7,962.22
5,463.99
2,498.23
45.72%
Face Value
10.00
10.00
0.00
Reserves
51,065.97
0.00
51,065.97
PAT Margin
17.25%
24.92%
0.00
-7.67%
Net Interest Margin
3.45%
5.17%
-1.72
-1.72%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
38.32%
46.35%
-8.03
-8.03%
CASA Amount
2,69,133.00
1,30,899.00
1,38,234.00
105.6%
Capital Adequacy Ratio (Total)
15.92%
21.98%
-6.06
-6.06%
Capital Adequacy Ratio (Tier 1)
13.77%
19.91%
-6.14
-6.14%
Provision Coverage Ratio (%)
98.09%
99.47%
-1.38
-1.38%
Amount of Gross NPAs
18,208.35
7,634.75
10,573.60
138.49%
Amount of Net NPAs
1,126.86
365.46
761.40
208.34%
% of Net NPAs
0.21%
0.18%
0.03
0.03%
% of Gross NPAs
3.26%
3.57%
-0.31
-0.31%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
5,224.00
0.00
5,224.00
Number of Branches
5,877.00
0.00
5,877.00
Nine Monthly - Interest Earned
Interest Earned 46146.27 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is 12.58% vs 25.36% in Dec 2023
Nine Monthly - Net Profit
Net Profit 7,962.22 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is 36.90% vs 51.68% in Dec 2023
Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 13,979.53 Cr
in Dec 2024Figures in Rs Cr
YoY Growth in nine months ended Dec 2024 is 11.53% vs 11.37% in Dec 2023
Nine Monthly - % of Net NPAs
% of Net NPAs 0.21%
in Dec 2024Figures in Rs %
YoY Growth in nine months ended Dec 2024 is -0.32% vs -0.47% in Dec 2023
Nine Monthly - % of Gross NPAs
% of Gross NPAs 3.26%
in Dec 2024Figures in Rs %
YoY Growth in nine months ended Dec 2024 is -1.21% vs -2.06% in Dec 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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