Slides
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Performance Analysis Q4 / FY25
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Performance Highlights Business Snapshot Financials Capital & Risk Management Asset Quality Digital Banking & Business Network Financial Inclusion ESG, Group Entities & Awards 3 6 14 24 27 34 36 43 Contents Page 2/50
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Performance Highlights Q4FY25 (YoY) 3/50
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Q4FY25 Q4 (QoQ) YE (YoY) Q4 (YoY) YE (YoY) Business (YoY) Asset Quality Benchmark Ratios Business Deposits Advances CASA CD Ratio RAM Retail Agriculture MSME Corporate Gross NPA Net NPA PCR Cost of Deposits YoA YoI NIM (domestic) RoA Net Interest Income Operating Profit Profit Before Tax Net Profit RoE CASA: 5% SB: 4% CA: 11% ₹ 13.25 lakh Cr 8.5% ₹ 7.37 lakh Cr 7% ₹ 5.88 lakh Cr 10% 79.79% ₹ 3.51 lakh Cr 13% ₹ 119097 Cr 14% ₹ 137627 Cr 14% ₹ 94152 Cr 12% ₹ 195407 Cr 4% 3.09% YoY: 86 bps QoQ: 17 bps 0.19% YoY: 24 bps QoQ: 2 bps 98.10% YoY: 176 bps QoQ: 1 bps 5.10% 8 bps 5.12% 24 bps 8.64% 28 bps 8.75% 3 bps 7.23% 11 bps 7.17% 37 bps 3.48% 9 bps 3.51% 3 bps 1.37% 2 bps 1.32% 25 bps 21.01% 1 bps 20.76% 152 bps ₹ 2956 Cr 32% ₹ 10918 Cr 35% ₹ 4224 Cr 38% ₹ 14787 Cr 35% ₹ 5019 Cr 17% ₹ 18998 Cr 13% ₹ 6389 Cr 6% ₹ 25176 Cr 8% Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality InvestmentPerformance Highlights 4/50 (QoQ)
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Consistent Performance Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality InvestmentPerformance Highlights 9.3 10.1 10.9 12.2 13.25 5.4 5.9 6.2 6.9 7.37 3.9 4.2 4.7 5.3 5.88 FY21 FY22 FY23 FY24 FY25 Business (₹ lakh Cr) Business Deposits Advances 10967 12717 15271 16840 18998 3005 3945 5282 8063 10918 FY21 FY22 FY23 FY24 FY25 Profit (₹ in Cr) Operating Profit Net Profit 15666 16728 20225 23274 25176 FY21 FY22 FY23 FY24 FY25 Net Interest Income (₹ in Cr) 15.71 16.53 16.49 16.44 17.94 FY21 FY22 FY23 FY24 FY25 CRAR (%) 2.2 2.4 2.7 3.1 3.5 FY21 FY22 FY23 FY24 FY25 RAM (₹ lakh Cr) 57.7% 61.3% 61.4% 62.2% 64.3% FY21 FY22 FY23 FY24 FY25 RAM Share (%) out of Domestic Advances 9.85% 8.47% 5.95% 3.95% 3.09%3.37% 2.27% 0.90% 0.43% 0.19% FY21 FY22 FY23 FY24 FY25 Asset Quality (%) GNPA NNPA 82.12 87.38 93.82 96.34 98.10 68.09 74.87 85.65 89.47 93.90 FY21 FY22 FY23 FY24 FY25 Provision Coverage Ratio (%) PCR (incl TWO) PCR (Excl TWO) 5/50
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Business Snapshot 6/50
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Domestic Deposits₹ in Cr Business Snapshot Financials Balance Sheet Capital & Risk Management Shareholding & RatingsBusiness Investment Performance Highlights Asset Quality Domestic CASA % Sl No Parameter 31.03.2024 31.12.2024 31.03.2025 QoQ (%) YoY (%) 1 Deposits 688000 702282 737154 5.0 7.1 Domestic 661826 671577 702966 4.7 6.2 Overseas 26174 30705 34188 11.3 30.6 Deposits breakup Current 38993 35599 39630 11.3 1.6 Savings 241494 233534 243224 4.1 0.7 CASA 280487 269133 282854 5.1 0.8 CASA % (Global) 40.77% 38.32% 38.37% CASA % (Domestic) 42.31% 40.00% 40.17% Term Deposits 407513 433149 454300 4.9 11.5 2 Advances 533773 559199 588140 5.2 10.2 Domestic 498160 520224 546283 5.0 9.7 Overseas 35613 38975 41857 7.4 17.5 CD Ratio % 77.58% 79.63% 79.79% 3 Business 1221773 1261481 1325294 5.1 8.5 Domestic 1159986 1191801 1249249 4.8 7.7 Overseas 61787 69680 76045 9.1 23.1 31.03.2024 31.12.2024 31.03.2025 381814 402966 420590 241414 233452 243140 38598 35159 39236 Current account Savings Bank Term Deposits Domestic Deposits 661826 671577 702966 Domestic CASA 280012 268611 282376 42.31 40.00 40.17 36.48 34.76 34.59 5.83 5.24 5.58 0.00 20.00 40.00 60.00 80.00 100.00 30.00 35.00 40.00 45.00 Mar'24 Dec'24 Mar'25 CASA SB CA 7/50
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Retail 22% Agriculture 25% MSME 17% Corporates 36% Domestic Credit ₹ in Cr Advances (Domestic) Financials Balance Sheet Capital & Risk Management Shareholding & RatingsBusiness Investment Performance Highlights Asset Quality 31.03.2025 Sector 31.03.2024 31.12.2024 31.03.2025 YoY (%) Gross Advances-Domestic 498160 520224 546283 9.7 Retail 104735 114894 119097 13.7 Agriculture 121062 129840 137627 13.7 MSME 84121 90005 94152 11.9 Total (RAM) 309918 334739 350876 13.2 RAM % to Gross Domestic Advances 62.21% 64.35% 64.23% Corporate 188242 185485 195407 3.8 309918 334739 350876 188242 185485 195407 31.03.2024 31.12.2024 31.03.2025 RAM Corporate Credit Retail 31.03.2024 31.12.2024 31.03.2025 YoY (%) Home Loan (Incl.Mortgage loans) 66423 72118 74480 12.1 Auto Loan 8016 10762 11536 43.9 Personal Loan 8566 7439 7288 (14.9) Jewel Loan Non Priority 5366 8646 9706 80.9 Other Retail Loan 16364 15929 16087 (1.7) Retail 104735 114894 119097 13.7 Agriculture 31.03.2024 31.12.2024 31.03.2025 YoY (%) Crop Loans 92473 98061 105897 14.5 Investment Credit 13136 13627 13150 0.1 Agri allied 5842 7071 7745 32.6 Infrastructure & Ancillary 9611 11081 10835 12.7 Agriculture 121062 129840 137627 13.7 MSME 31.03.2024 31.12.2024 31.03.2025 YoY (%) Micro 50331 52394 53476 6.2 Small 22808 26220 28480 24.9 Medium 10982 11391 12196 11.1 MSME 84121 90005 94152 11.9 8/50
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Position as on 31.03.2025 ₹ in Cr Priority Sector Financials Balance Sheet Capital & Risk Management Shareholding & RatingsBusiness Investment Performance Highlights Asset Quality Surpassed all the mandatory targets stipulated by RBI under Priority Sector advances Amount % Priority Sector 40.00% 185142 204230 44.00% Agriculture 18.00% 83314 90476 19.55% Small and Marginal Farmers 10.00% 55543 57679 12.46% Weaker Section 12.00% 46286 67315 14.54% Micro under MSME 7.50% 34714 58832 12.71% Non Corporate farmers 13.78% 63782 83759 18.10% Segment (as on 31.03.25) RBI Benchmark (as % of ANBC) Mandatory Target (Amount) Achievement (Excluding PSLC) Self Help Group ₹ in Cr Target (FY25) Actual (FY25) Achievement 24052 22224 YoY 15% 92% • No. of SHGs : 5.04 lakh • Disbursements (Q4FY25): ₹4482 Cr • Women Beneficiaries: 58 lakh (Nos) Stand Up India Target (Nos) Actual (Nos) Achievement 11384 13393 118% (Cumulative till Mar’25) Amount of Disbursements: ₹2839 Cr MUDRA (including RRBs) Target (FY25) Actual (FY25) Achievement 13500 13653 101% In Q4FY25 : • No. of loans disbursed: 1.21 lakh • Amount disbursed : ₹1816 Cr ₹ in Cr 9/50
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₹ in Cr Sector Deployment-Domestic Advances Sector 31.03.2024 % share to Gross Advances 31.03.2025 % share to Gross Advances YoY (%) Infrastructure 61254 12 55168 10.1 (9.9) of which Power 22006 4 19560 3.6 (11.1) Port and Road Project 8696 2 9663 1.8 11.1 Other infrastructure 30552 6 25945 4.7 (15.1) Basic Metal 9862 2 14088 2.6 42.9 Textiles 8417 2 8066 1.5 (4.2) Petroleum and Coal Products 9190 2 12575 2.3 36.8 All Engineering 7174 1 7089 1.3 (1.2) Food Processing 10155 2 11302 2.1 11.3 Trade 24842 5 24963 4.6 0.5 Commercial Real Estate 17989 4 16790 3.1 (6.7) Home Loans/Auto Loans/Other Retail 104735 21 119097 21.8 13.7 Agriculture 121062 24 137627 25.2 13.7 NBFC 55194 11 62227 11.4 12.7 Others (Other Industries/Sectors) 68286 14 77291 14.0 13.2 Total Domestic Advances 498160 100 546283 100.0 9.7 Financials Balance Sheet Capital & Risk Management Shareholding & RatingsBusiness Investment Performance Highlights Asset Quality 10/50
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₹ in Cr External Rating-wise Advances Financials Balance Sheet Capital & Risk Management Shareholding & RatingsBusiness Investment Performance Highlights Asset Quality Exposure % to Total Exposure % to Total Exposure % to Total Rated Exposure AAA 45390 15% 46281 15% 49862 16% AA 76977 26% 87600 29% 87993 29% A 68266 23% 66872 22% 67668 22% BBB 32637 11% 34426 11% 35403 11% Total BBB and above 223270 76% 235179 77% 240926 78% BB and below 25893 9% 26461 8% 24127 8% Of which, PSU Accounts (More than INR 100 Crore) 4646 2% 3889 1% 2426 1% Corporates (More than INR 100 Crore) 11275 4% 11969 4% 10360 3% Others (Less than INR 100 Crore) 9972 3% 10603 3% 11340 4% Total Rated Exposure (A) 249163 84% 261641 85% 265052 86% Unrated Exposure PSU with Govt Guarantee 28185 10% 30082 10% 28356 9% PSU without Govt Guarantee 10422 4% 5820 2% 6273 2% Others 7228 2% 9261 3% 7767 3% Total Unrated Exposure (B) 45834 16% 45163 15% 42397 14% Total (A+B) 294997 100% 306803 100% 307449 100% 31.03.2025External Rating (More than ₹10 Cr, For CRE/MSME > ₹25 Cr, LRD > ₹50 Cr) 31.12.202431.03.2024 11/50
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Rated A and above: 99% Rated A and above: 100% ₹ in Cr Standard NBFC Advances Financials Balance Sheet Capital & Risk Management Shareholding & RatingsBusiness Investment Performance Highlights Asset Quality (Amounts have been reclassified wherever required to match with current year classification) 31.03.2024 % 31.12.2024 % 31.03.2025 % 16393 30% 16203 27% 16116 26% 1287 3% 1822 3% 4737 8% 1711 3% 973 2% 815 1% 35105 64% 39929 68% 40553 65% 54496 100% 58928 100% 62220 100% NBFC - Others Total Standard NBFC NBFC - PSUs NBFC - MFIs NBFC - HFCs 37% 38.1% 41.7% 55% 56.2% 51.8% 7% 5.4% 6.3% 1% 0.3% 0.2% 31.03.2024 31.12.2024 31.03.2025 Rating of Standard NBFCs AAA AA A BBB & Below Bank sponsored 4814 7717 8423 Private Inst & others 49682 51210 53798 Total 54496 58928 62220 31.03.202531.12.202431.03.2024Standard NBFCs 47% 40% 39% 49% 57% 57% 4% 3% 3% 31.03.2024 31.12.2024 31.03.2025 Rating of Standard HFCs AAA AA A Bank sponsored 2791 2560 2801 Private Institutions 13602 13643 13315 Total 16393 16203 16116 31.03.202531.03.2024 31.12.2024HFCs, out of Std NBFCs 12/50
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52% 28% 12% 2% 6% 36% 13% 27% 2% 22% G sec & T Bill SDLs Corporate Bonds CP Others ₹ in Cr AFS Book Investments (Domestic) 31.03.24 31.03.25 Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset QualityInvestment Performance Highlights S No Details 31.03.2024 31.12.2024 31.03.2025 YoY (%) 1 SLR Investments 162527 174609 178638 9.9 Of w hich Central Government Securities 95913 90791 91685 (4.4) State Government Securities 65767 83818 83190 26.5 Treasury Bills 847 0 3764 344.6 Other Approved Securities 0 0 0 - 2 Non SLR Investments 52136 44733 44733 (14.2) Total Domestic Investments (1) + (2) 214663 219342 223371 4.1 (i) Held For Trading (HFT) 1113 11364 13289 (ii) Available For Sale (AFS) 62325 68610 68163 (iii) Held To Maturity (HTM) 151225 133509 136682 (iv) Fair Value Through Profit/Loss (FVTPL) 5597 4975 (v) Subsidiary & Joint Venture (SAJV) 262 262 Total Domestic Investments 214663 219342 223371 4.1 Modified Duration of AFS 2.73 3.36 3.21 Modified Duration of FVTPL including HFT 1.75 4.16 3.30 31.03.2024 31.12.2024 31.03.2025 52136 44733 44733 162527 174609 178638 Investment Portfolio SLR Non-SLR 214663 219342 223371 80% 20%24% 76% 80% 20% 13/50
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Financials 14/50
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₹ in Cr Operating Profit & Net Profit Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality InvestmentPerformance Highlights 31.03.2024 31.12.2024 31.03.2025 QoQ (%) YoY (%) 31.03.2024 31.03.2025 YoY (%) 1 Interest Income 14624 15759 15856 0.6 8.4 55615 62002 11.5 2 Interest Expenses 8609 9344 9467 1.3 10.0 32341 36826 13.9 3 Net Interest Income (1-2) 6015 6415 6389 (0.4) 6.2 23274 25176 8.2 4 Non Interest Income 2263 2152 2743 27.5 21.2 7867 9223 17.2 5 Operating Income (3+4) 8278 8567 9132 6.6 10.3 31141 34399 10.5 6 Operating Expenses 3973 3818 4113 7.7 3.5 14301 15401 7.7 7 Operating Profit (5-6) 4305 4749 5019 5.7 16.6 16840 18998 12.8 8 Provisions (excl. Taxes) 1248 1059 795 (24.9) (36.3) 5889 4211 (28.5) 9 Profit Before Taxes (7-8) 3057 3690 4224 14.5 38.2 10951 14787 35.0 10 Provision for Taxes 810 838 1268 51.3 56.5 2888 3869 33.9 11 Net Profit (9-10) 2247 2852 2956 3.6 31.6 8063 10918 35.4 Year Ended Sl No Components Quarter Ended 15/50
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₹ in Cr Income Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality InvestmentPerformance Highlights 31.03.2024 31.12.2024 31.03.2025 QoQ (%) YoY (%) 31.03.2024 31.03.2025 YoY (%) 1 Interest Income on Advances and Discount on Bills 10637 11427 11456 0.3 7.7 40619 44856 10.4 2 Interest on investments 3549 3885 3903 0.5 10.0 13402 15315 14.3 3 Other interest income 438 447 497 11.2 13.5 1594 1831 14.9 4 Total Interest Income (1+2+3) 14624 15759 15856 0.6 8.4 55615 62002 11.5 5 Profit/Loss on Sale of Investments 123 283 147 (48.1) 19.5 863 908 5.2 6 Profit/Loss on Revaluation of Investments 70 -24 45 287.5 (35.7) 445 137 (69.1) 7 Recovery of bad debts 773 548 764 39.4 (1.2) 1879 2548 35.6 8 Fee Income 970 931 918 (1.4) (5.4) 3298 3528 6.9 9 Forex Income 82 74 178 140.5 117.1 452 369 (18.3) 10 PSLC Commission 169 206 298 44.7 76.3 657 843 28.4 11 Miscellaneous income 76 134 393 193.3 417.1 273 890 226.0 12 Total Non Interest Income (5 to 11) 2263 2152 2743 27.5 21.2 7867 9223 17.2 13 Total Income (4+12) 16887 17911 18599 3.8 10.1 63482 71225 12.2 Year Ended Sl No Components Quarter Ended 16/50
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₹ in Cr Fee Income Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality InvestmentPerformance Highlights 31.03.2024 31.12.2024 31.03.2025 QoQ (%) YoY (%) 31.03.2024 31.03.2025 YoY (%) 1 Transaction fees 196 233 212 (9.0) 8.2 759 881 16.1 2 Loan processing charges 219 199 166 (16.6) (24.2) 747 679 (9.1) 3 Commission on Government business 27 30 38 26.7 40.7 82 113 37.8 4 Commission on LC/BG 116 92 88 (4.3) (24.1) 421 351 (16.6) 5 Cross selling 46 48 56 16.7 21.7 164 181 10.4 6 Income from PFMS operations 12 5 7 40.0 (41.7) 36 21 (41.7) 7 Rent on Lockers 41 44 43 (2.3) 4.9 158 164 3.8 8 Misc fee Income 313 280 308 10.0 (1.6) 931 1138 22.2 9 Fee Income (1 to 8) 970 931 918 (1.4) (5.4) 3298 3528 6.9 Year Ended Sl No Components Quarter Ended 17/50
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₹ in Cr Expenses Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality InvestmentPerformance Highlights 31.03.2024 31.12.2024 31.03.2025 QoQ (%) YoY (%) 31.03.2024 31.03.2025 YoY (%) 1 Interest on deposits 8115 8752 8783 0.4 8.2 30494 34702 12.1 2 Interest on borrowings 121 96 139 44.8 14.9 331 362 8.6 3 Other interest expenses 373 496 545 9.9 46.1 1516 1762 14.0 4 Total Interest Expenses (1+2+3) 8609 9344 9467 1.3 10.0 32341 36826 12.2 5 Salary 1618 1694 1852 9.3 14.5 6424 6836 6.0 6 Employees Benefit 1015 723 848 17.3 (16.5) 2841 3047 6.8 7 Staff Expenses (5+6) 2633 2417 2700 11.7 2.5 9265 9883 6.3 8 Overheads 1340 1401 1413 0.9 5.4 5036 5518 8.7 9 Operating Expenses (7+8) 3973 3818 4113 7.7 3.5 14301 15401 7.1 10 Total Expenses (4+9) 12582 13162 13580 3.2 7.9 46642 52227 10.7 Year Ended Sl No Components Quarter Ended 18/50
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₹ in Cr Overhead Expenses Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality InvestmentPerformance Highlights 31.03.2024 31.12.2024 31.03.2025 QoQ (%) YoY (%) 31.03.2024 31.03.2025 YoY (%) 1 Rent, Taxes & Lighting 159 164 179 9.1 12.6 636 674 6.0 2 Depreciation 125 136 147 8.1 17.6 524 532 1.5 3 Insurance 224 231 228 (1.3) 1.8 874 931 6.5 4 Travelling and Halting 52 61 56 (8.2) 7.7 206 247 19.9 5 Postage, Telecommunications etc. 28 38 37 (2.6) 32.1 109 130 19.3 6 Repairs and Maintenance 64 67 76 13.4 18.8 250 271 8.4 7 Printing and Stationery 25 24 29 20.8 16.0 88 98 11.4 8 ATM Issuer Fee paid 125 122 121 (0.8) (3.2) 504 492 (2.4) 9 Others 538 558 540 (3.2) 0.4 1845 2143 16.2 10 Overheads (1 to 9) 1340 1401 1413 0.9 5.4 5036 5518 9.6 Year Ended Sl No Components Quarter Ended 19/50
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₹ in Cr Provisions & Net Profit Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality InvestmentPerformance Highlights 31.03.2024 31.12.2024 31.03.2025 QoQ (%) YoY (%) 31.03.2024 31.03.2025 YoY (%) 1 Operating Profit 4305 4749 5019 5.7 16.6 16840 18998 12.8 2 Total Provisions 2058 1897 2063 8.8 0.2 8777 8080 (7.9) Of which NPA - Advances 900 611 1100 80.0 22.2 3653 3444 (5.7) NPA - Investments 49 -19 -77 - - 63 -115 - Standard advances 137 501 -264 - - 1937 853 (55.9) Income-tax 810 838 1268 51.3 56.5 2888 3869 33.9 Others 162 -34 36 - (77.8) 236 29 (87.7) 3 Net Profit (1-2) 2247 2852 2956 3.6 31.6 8063 10918 35.4 Year Ended Sl No Components Quarter Ended 20/50
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% Annualized Performance Ratios Performance Highlights Business Investment Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality InvestmentPerformance Highlights 31.03.2024 31.12.2024 31.03.2025 31.03.2024 31.03.2025 1 Cost of Deposits 5.01 5.18 5.10 4.88 5.12 2 Cost of Funds 5.13 5.27 5.21 4.99 5.21 3 Yield on Advances 8.81 8.92 8.64 8.72 8.75 4 Yield on Investments 6.88 7.12 7.23 6.80 7.17 5 Yield on Funds 8.36 8.48 8.35 8.28 8.40 6 Net Interest Margin (NIM) 3.44 3.45 3.37 3.47 3.41 7 Net Interest Margin (NIM) Domestic 3.52 3.57 3.48 3.54 3.51 8 Cost to Income Ratio 47.99 44.56 45.05 45.92 44.77 9 Return on Assets (RoA) 1.15 1.39 1.37 1.07 1.32 10 Return on Average Networth (RoE) 19.06 21.00 21.01 19.24 20.76 11 Earnings per Share (₹) 66.73 84.70 87.78 63.23 81.06 12 Book Value per Share (₹) 352.58 412.42 423.39 352.58 423.39 13 Business per Employee (₹ in Cr) 29.85 30.67 32.42 29.85 32.42 14 Business per Branch (₹ in Cr) 205.38 210.52 220.02 205.38 220.02 15 Net Profit per Employee (₹ in lakhs) 22.33 28.26 29.51 20.03 27.25 Year EndedQuarter Ended Sl No Ratios 21/50
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% Annualized Performance Ratios Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality InvestmentPerformance Highlights 4.44 3.97 4.09 4.88 5.12 7.45 7.21 7.76 8.72 8.75 FY21 FY22 FY23 FY24 FY25 Cost of Deposits Yield on Advances 10.63 12.13 14.73 19.24 20.76 0.5 0.63 0.77 1.07 1.32 FY21 FY22 FY23 FY24 FY25 Return on Average Networth (RoE) Return on Assets (RoA) 4.43 3.90 4.14 4.99 5.21 7.03 6.8 7.49 8.28 8.40 FY21 FY22 FY23 FY24 FY25 Cost of Funds Yield on Funds 26.61 32.38 42.41 63.23 81.06 263.98 269.98 300.55 352.58 423.39 210220230240250260270280290300310320330340350360370380390400410420430 101520253035404550556065707580859095100105110115120125130135140145150155160165170175180185190195200205210215220225230235240245250255260265270275280285290295300305310315320325330335340345350355360365370375380385390395400405410415420425430435440445450 FY21 FY22 FY23 FY24 FY25 Earnings per Share (₹) Book Value per Share (₹) 22/50
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₹ in Cr Balance Sheet Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality InvestmentPerformance Highlights Liabilities 31.03.2024 31.12.2024 31.03.2025 Capital 1347 1347 1347 Reserves & Surplus 57041 65411 67963 Deposits 688000 702282 737154 Borrowings 23131 32517 41508 Other Liabilities & Provisions 23100 21200 25439 Total 792619 822758 873411 Assets 31.03.2024 31.12.2024 31.03.2025 Cash & Balance with RBI 32703 27517 31948 Bal. with banks & money at call 9406 8802 22920 Investments 212555 221066 225303 Advances 514889 542117 571071 Fixed Assets 7515 7490 8827 Other Assets 15551 15767 13342 Total 792619 822758 873411 23/50
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Capital & Risk Management 24/50
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₹ in Cr *Market RWA/Trading Book Capital & Risk Management Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality InvestmentPerformance Highlights S No Parameters 31.03.2024 31.12.2024 31.03.2025 1 Common Equity Tier I (CET 1) 53031 53390 62983 2 Additional Tier I 2000 2000 2000 3 Tier II 9453 8661 8588 4 Total Capital (1+2+3) 64484 64051 73571 5 Total Risk Weighted Assets 392246 402154 410098 6 CRAR % (4/5) 16.44 15.92 17.94 S No Risk Weighted Assets (RWA) 31.03.2024 31.12.2024 31.03.2025 1 Credit 324980 346416 355054 Density 60.88% 61.95% 60.37% Of which Retail 66141 69825 72109 Density 63.15% 60.77% 60.55% Agriculture 36472 37512 38954 Density 30.13% 28.89% 28.30% MSME 57285 59809 63782 Density 68.10% 66.45% 67.74% 2 Market 24894 8265 7571 Density* 39.68% 72.73% 56.97% 3 Operational 42372 47473 47473 Density -- -- -- 31.03.2024 31.12.2024 31.03.2025 13.52% 13.27% 15.36% 0.51% 0.50% 0.49% 2.41% 2.15% 2.09% CET 1 Additional Tier I Tier II Tier I 14.03% Tier I 13.77% Tier I 15.85% 31.03.2024 31.12.2024 31.03.2025 60.88% 61.95% 60.37% Credit RWA/Gross Advances 25/50
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Ratings Shareholding as on 31.03.2025 Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality InvestmentPerformance Highlights International Rating Agency Issuer Rating S&P Global Ratings BBB-/ Positive/ A-3* *Outlook upgraded to Positive from Stable during the year Capital / Fund Raising Plan for FY26 During FY25, the Bank has raised Long Term Infrastructure Bond aggregating to ₹10,000 Cr (₹5,000 Cr in September 2024 @ 7.24% p.a. and ₹5,000 Cr @ 7.12% p.a. in October 2024). Other Funds Raised ₹ in Cr Domestic Rating Agency Issuer Rating AT-I Tier-II Infrastructure Bond Certificate of Deposit CRISIL - AA+/ Stable AAA/ Stable AAA/ Stable A1+ CARE AAA/ Stable AA+/ Stable AAA/ Stable AAA/ Stable - Mutual Funds: 12.69% Resident Individual: 2.87% Insurance Companies: 4.73% FPI,FII, NRI & AIF: 5.23% Employees: 0.36% HUF,Trusts, F I / Banks, Body Corporate, & Clearing Members: 0.28% Government of India 73.84% Shareholding Pattern % Government of India 73.84% Public & Others 26.16% Total 100% Board approved Plan Equity AT-1 / Tier-II Infrastructure Bond Total 5000 2000 5000 12000 26/50
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Asset Quality 27/50
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Asset Quality Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality InvestmentPerformance Highlights 38455 35214 28180 21106 18179 12271 8849 4044 2223 1110 FY21 FY22 FY23 FY24 FY25 Gross NPA Net NPA ₹ Cr 82.12 87.38 93.82 96.34 98.10 68.09 74.87 85.65 89.47 93.90 FY21 FY22 FY23 FY24 FY25 PCR (Incl TWO) PCR (Excl TWO) % 9.85 8.47 5.95 3.95 3.09 3.37 2.27 0.9 0.43 0.19 FY21 FY22 FY23 FY24 FY25 Gross NPA (%) Net NPA (%) 2.80 2.79 1.75 1.49 1.111.99 2.25 1.58 0.77 0.66 FY21 FY22 FY23 FY24 FY25 Slippage ratio Credit Cost % Annualized 28/50
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Fresh slippages ₹ in Cr Movement of NPA Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset QualityInvestmentPerformance Highlights 31.03.2024 31.12.2024 31.03.2025 31.03.2024 31.03.2025 1 Gross NPA opening balance 22787 19148 18208 28180 21106 Additions : Fresh Slippages 1238 1004 1393 6635 5683 To old NPAs / Others 30 12 38 134 104 2 Sub-Total of Additions 1268 1016 1431 6769 5786 Reductions: Cash Recovery & Upgradation 898 823 641 5122 3839 Technical Write off 1781 946 554 7953 4170 Normal Write off 270 187 265 768 705 Exchange difference 0 0 0 0 0 3 Sub-Total of Reductions 2949 1956 1461 13843 8714 4 Gross NPA closing Balance (1+2-3) 21106 18208 18179 21106 18179 Gross NPA% 3.95 3.26 3.09 3.95 3.09 5 Provisions 18482 16906 16883 18482 16883 6 Others (Interest Realisable,etc.) 401 176 186 401 186 7 Net NPA [4-(5+6)] 2223 1127 1110 2223 1110 Net NPA% 0.43 0.21 0.19 0.43 0.19 AUC Recovery 935 881 901 2858 3019 MOI Recovery 184 207 239 819 792 Total Recovery (Cash +Upgradation) 2017 1911 1782 8799 7651 PCR % (including Technical Writeoff) 96.34 98.09 98.10 96.34 98.10 PCR % (excluding Technical Writeoff) 89.47 93.81 93.90 89.47 93.90 Slippage Ratio % (Annualised) 1.11 0.78 1.09 1.49 1.11 Credit Cost % (Annualised) 0.73 0.47 0.81 0.77 0.66 Year EndedS No Details Quarter Ended Category Q4 FY24 Q3 FY25 Q4 FY25 FY24 FY25 Retail 126 140 103 1087 795 Agriculture 508 527 745 2139 2551 MSME 644 329 577 2281 2123 RAM (1) 1278 996 1425 5507 5469 Corporate (2) -40 8 -32 1129 214 Total (1)+(2) 1238 1004 1393 6636 5683 29/50
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₹ in Cr Sector-wise NPA Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset QualityInvestmentPerformance Highlights Gross NPA % to respective portfolio Gross NPA % to respective portfolio Outstanding Gross NPA % to respective portfolio 1 Retail Credit 2071 1.98% 1728 1.50% 119097 1566 1.31% Of which Home Loan 949 1.68% 809 1.31% 63633 776 1.22% Education Loan 579 12.91% 403 8.89% 4503 277 6.15% Vehicle Loan 121 1.50% 107 1.00% 11536 104 0.90% 2 Agriculture 8510 7.03% 8588 6.61% 137627 8602 6.25% 3 MSME 8582 10.20% 7308 8.12% 94152 7470 7.93% 4 Corporate & Overseas 1943 0.87% 584 0.26% 237264 541 0.23% 5 Total (1 to 4) 21106 3.95% 18208 3.26% 588140 18179 3.09% Priority 17284 9.68% 15577 8.08% 204230 15773 7.72% 31.03.2024 31.03.2025 S No Sector 31.12.2024 31.03.24 31.12.24 31.03.25 10% 9% 9% 40% 47% 47% 41% 40% 41% 9% 4% 3% Sectorwise GNPA to Total NPA % Retail Agriculture MSME Corporate & Overseas 30/50
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NARCL NCLT Invested ₹272.25 Cr in NARCL & ₹1.0 Cr in IDRCL as Equity ₹ in Cr Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset QualityInvestmentPerformance Highlights ₹ in Cr No.of Accounts Exposure Provision PCR% RBI List I 6 1223 1223 100% RBI List II 10 2829 2829 100% Accounts filed by Bank 28 1269 1269 100% Accounts filed by other Banks 218 16151 16151 100% Total 262 21471 21471 100% 31.03.2025 Category No of Acs Amount No of Acs Amount Through Resolution 54 1345 39 330 Under Liquidation 68 472 69 156 Total 122 1817 108 486 FY25FY24 Recovery from NCLT S.No Position of Accounts with Indian Bank as on 31.03.2025 No. of A/cs Book Balance 1 Accounts acquired by NARCL 11 3647 2 Bids received from NARCL 1 173 3 Under progress with NARCL 9 1120 Total 21 4940 31/50
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₹ in Cr Special Mention Account (SMA) ₹5 Cr and above Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality InvestmentPerformance Highlights SMA 1 SMA 2 Total % to Respective Sector Standard Advances SMA 1 SMA 2 Total % to Respective Sector Standard Advances SMA 1 SMA 2 Total % to Respective Sector Standard Advances Retail 166 40 206 0.20% 148 100 248 0.22% 60 76 136 0.12% Agriculture 298 11 309 0.27% 184 213 397 0.33% 151 109 260 0.20% MSME 1267 331 1598 2.11% 1009 918 1927 2.33% 780 314 1094 1.26% Corporate & Others 178 146 324 0.15% 1354 3751 5105 2.28% 3305 160 3465 1.46% TOTAL 1909 528 2437 0.48% 2695 4982 7677 1.41% 4296 659 4955 0.87% Sector 31.03.2024 31.12.2024 31.03.2025 32/50
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₹ in Cr Covid Restructuring (sector-wise) Business Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality InvestmentPerformance Highlights Addition (Interest/ Additional funding/ Fund Utilisation) Upgradation NPA to standard No Amount Amount Amount Amount Amount No Amount % Amount Retail 29500 4472 0 58 859 52 20378 3620 97% 1146 Agriculture 3065 219 0 6 112 10 1574 103 92% 30 MSME 8437 1701 0 35 791 66 5700 879 98% 306 RAM Total 41002 6392 0 99 1762 127 27652 4602 96% 1483 Corporate 6 283 0 0 9 0 6 274 99% 69 Total 41008 6675 0 99 1771 127 27658 4876 97% 1552 Recovery Percentage Provision Outstanding as on 31.12.2024 (Standard) Sector Reduction during the QE Mar'25Addition during the QE Mar'25 Recovery Fresh NPA Outstanding as on 31.03.2025 (Standard) 33/50
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Financial Inclusion 34/50
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01 Added 6.38 lakh fresh enrolments, during FY 25 , with Average Account per Branch of 106 against proportionate target of 90 as on 31 .03 .25 . 02 Registered a growth of 4% (QoQ) and 17%(YoY) * Number of enrolments and claims are cumulative since launch of the respective schemes 1 Average Balance in PMJDY account: ₹5195 (vs ₹4719 of Industry) 3 2 PMJDY A/Cs under BSBDA: YoY 5% (in nos.) and 10% (in balance) BC network in 24 States and 5 UTs 4 YoY increase in Market Share (As of Mar’25) PMJJBY PMSBY 3.64% 3.76% 40 bps 16 bps Financial Inclusion Digital Footprint HRM ESG Joint Venture & Subsidiaries Regional Rural Banks Awards & Accolades Business Network Financial Inclusion S No FI Parameters Mar'24 Dec'24 Mar'25 1 BCs engaged (Nos.) 11297 13292 14667 2 PMJDY Accounts under BSBDA (No. in lakhs) 224 235.2 235.3 3 Balance in PMJDY accounts (₹ in Cr) 11106 11310 12223 4 Rupay Cards issued (No. in lakhs) 124 134 135 157 64 38 184 80 43 190 86 45 Number of Enrolments (in Lakhs)* Mar'24 Dec'24 Mar'25 PMJJBY PMSBY APY 24145 5082 31139 6394 33245 6401 PMJJBY PMSBY Number of claims settled* Mar'24 Dec'24 Mar'25 35/50
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Digital Banking & Business Network 36/50
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Digital Transactions Vs Manual Transactions Digital Footprint HRM ESG Joint Venture & Subsidiaries Regional Rural Banks Awards & Accolades Business Network Financial Inclusion QE Mar 24 QE Mar 25 87% 92% 13% 8% Digital Transactions Branch Transactions FY24 FY25 QE Mar 24 QE Mar 25 89% 93% 11% 7% Digital Transactions Branch Transactions 37/50
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Digital Footprint HRM ESG Joint Venture & Subsidiaries Regional Rural Banks Awards & Accolades Business Network Financial Inclusion Expanding Digital Footprint – FY25 ~1.2 Cr accounts under Digital Platform (YoY growth of 133%) ~2X YoY growth in amount (₹7355 Cr) of Digital MSME Loans ~ 4X YoY growth in amount (₹2716 Cr) of Digital Vehicle Loans ~6X YoY growth in amount (₹9632 Cr) of Digi-Retail Jewel loans ~2X YoY growth in amount (₹42064 Cr) of Digital Agri loans ~3X YoY growth in amount (₹5897 Cr) of Digital Home Loans ~ 3X YoY growth (₹18680 Cr) in Digital Liability Business ~5X YoY growth in number (2244) of Digital SHG Loans 38/50
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Major IT Infrastructure & Digital Initiatives Digital Footprint HRM ESG Joint Venture & Subsidiaries Regional Rural Banks Awards & Accolades Business Network Financial Inclusion Digital Business during FY25 ₹167390 Cr 121 Digital Journeys, Utilities and Processes ₹ in Cr YE Mar'24 YE Mar'25 81250 167390 Digital Business YE Mar'24 YE Mar'25 10759 29439 Digital Liabilities YE Mar'24 YE Mar'25 70491 136964 Digital Assets YE Mar'24 YE Mar'25 0 987 Other Digital Business Cyber Security 24x7 Cybersecurity Operations Center for real time monitoring & detection of security threats Data Governance Customer Relationship Management Fintech Solutions Others • 167 Fintech Companies empanelled • 3rd Highest no. of merchants (29.15 lakh) on UPI QR payment acceptance system among PSBs as on 31.03.25 • Robust Lead Management – Tracking end to end customer life cycle • 360-degree view of customer profile • For Data Reliability, • Consistency, • Integrity • Security • Usability • Availability & • Operational Excellence •API Banking •Forex solutions •SNA Solutions •Merchant Solution Provider •HRMS and Payroll Solutions •Integrated University Management 39/50
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In Cr Internet Banking Digital Banking Digital Footprint HRM ESG Joint Venture & Subsidiaries Regional Rural Banks Awards & Accolades Business Network Financial Inclusion UPI Mobile Banking FY24 FY25 6.42 6.64 Transactions FY24 FY25 1.14 1.28 PoS Transactions Mar-24 Mar-25 1.75 2.18 Users FY24 FY25 570.41 862.83 Transactions Mar-24 Mar-25 1.67 1.94 Users Mar-24 Mar-25 1.06 1.15 Users FY24 FY25 3.37 3.41 Transactions Mar-24 Mar-25 0.02 0.03 Credit Card Users 40/50
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Region-wise Central Northern Eastern Southern 1962 412 1430 1259 143 695 Pan India Touch Points: 25837 31.03.2025 Branches Opened: 64 in FY25 (263 since amalgamation) Branches Merged: 10 in FY25 (352 since amalgamation) Digital Footprint HRM ESG Joint Venture & Subsidiaries Regional Rural Banks Awards & Accolades Business Network Financial Inclusion Processing Centres & Verticals Population group wise (Domestic) Domestic Branches ATMs & BNAs Overseas Branches Business Correspondents 5901 5268 14667 3 + 1 IBU (GIFT City branch) Semi- Urban 1555 26% Urban 1182 20% Rural 1992 34% Metro 1172 20% 41/50
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Digital Footprint HRM ESG Joint Venture & Subsidiaries Regional Rural Banks Awards & Accolades Business Network Financial Inclusion Domestic (As on 31.03.25) Total Male Female Average age of staff % of Female staff Officers 25496 18223 7273 38 29% Clerks 12299 7897 4402 38 36% Sub-staff 1983 1716 267 47 13% Full Time Sweepers 224 170 54 47 24% Total 40002 28006 11996 39 30% Creation of Talent Pool in Credit & Forex Rising Star – Leadership Development Program for 400 Executives to groom them for future leadership Rewards & Recognition program introduced to drive field functionaries upto Scale IV for non-monetary performance linked incentives Leadership Development Program for Senior Management Executives “ELLE”vate Program on Women Empowerment Roll out of 45 Zonal Training Centres Knowledge Synergy Series - Bite sized modules on banking updates 1392 Training programs conducted in FY25 – 54260 participants (of which 23196 are unique participants) Automation of Transfer and Promotion Process HR Initiatives 42/50
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ESG, Group Entities & Awards 43/50
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Digital Footprint HRM ESG Joint Venture & Subsidiaries Regional Rural Banks Awards & Accolades Business Network Financial Inclusion Environmental Social Governance Installed Lighting sensors in Corporate/Head Office Premises Exposure of ₹8992 Cr to Green Energy sector as on 31.03.25 Implemented Rainwater Harvesting System in Bank’s 40 owned Premises and Installed Roof Top Solar Panels in Bank’s 75 own buildings Sponsored 6 e-vehicles to Thiruvananthapuram Municipal Corporation for sewage transportation & 3 Battery Operated e-vehicles to District Collector Office, Tiruvallur to transport Senior citizens Replaced 1350+ Diesel generators with Inverter in 2 years to reduce carbon emission Supported Sri Jagannath Spiritual Educational Cultural Trust for landscape development & maintenance work including plantation of 3000 saplings Climate Risk Management Policy & dedicated Green cell; Green Deposits primarily deployed in Green projects Rural Development: 38 RSETI Centres (INDSETIs) trained 36565 candidates through 1203 programs in FY25 42 Financial Literacy Centres (FLCs) conducted 3184 camps in FY25 covering 1.62 lakh participants. Extended Financial support to Geeta Vidya Mandir School, Baragaon, Karnal by developing Computer Lab, Science Lab, Interactive Smart Classes & so on Sponsored motorcycle helmets in New Delhi, Chennai & Lucknow. Women empowerment: • Gender Diversity of the Bank: 30% • Financed 58 lakh women through SHGs as on 31.03.25 • Sponsored 50 sewing machines to differently abled women through Society for Rights of All Women with Disabilities (SFRAWD), Chennai Sponsored ambulance to RGGGH, Chennai and extended support for procuring 600 doses for CERVAVAC vaccine from SII in Meerut. Sponsored 750 Dialysis procedures to the needy at Sri Shanmukhanda Charitable Community Healthcare Centre, Mumbai • Well defined policies and SOPs • Corporate Governance Policy for transparent and responsible decision-making Business Contingency Plan for continuity in operation with minimum disruption in unexpected circumstances Effective Data Governance Policy to protect the integrity of customer data adhering to privacy standards. Whistle Blower Policy enhances transparency and accountability Policy for Prevention of sexual harassment of women at workplace; Code of Ethics to foster a culture of integrity and responsibility within the organization Policies on Cyber Security and Fraud Risk Management for sound business and supervisory practices, control and monitor ‘Systemic Risk’ Inspection & Audit Policy to ensure systematic examination of accounts for better compliance, quality and performance 44/50
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Digital Footprint HRM ESG Joint Venture & Subsidiaries Regional Rural Banks Awards & Accolades Business Network Financial Inclusion Joint Venture & Subsidiaries ▪ Consortium of credible Public & Private Corporate entities from India and Sompo of Japan as promoter ▪ Incorporated & licensed in 2007. ▪ Bank’s shareholding : 28.52% ▪ In the business of Stock Broking & DP ▪ Listed on NSE and BSE ▪ Bank’s shareholding: 64.84% ▪ Income under Stock Broking: ₹282 lakhs (Q4FY25) ▪ Incorporated on 09.02.2024 ▪ Authorized and paid-up Capital: ₹10 Cr ▪ Vision: To offer comprehensive outsourcing solution for various banking operations as permitted by RBI. ▪ Completed 13 months of live operations. ▪ Offices setup across the country ▪ Active in garnering deposits, sourcing mortgage, vehicle loans, improving digital penetration and recovery. • Operating Profit ₹346 lakh* • Net Profit: ₹259 lakh* *for 1st FY ended on 31.03.25 (Feb 24- March 25) Joint venture Subsidiary Wholly Owned Subsidiary ₹ in Cr FY24 FY25* YoY Operating Profit 240 241 1% Net Profit 182 200 10% Net worth 1441 1641 14% ₹ in lakhs (Audited) FY24 FY25 YoY Operating Profit 1226 1228 0.14% Book Value (₹) 18.79 20.65 10% Stock Broking Income 1540 1657 8% *Provisional 45/50
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₹ in Cr Regional Rural Banks Digital Footprint HRM ESG Joint Venture & Subsidiaries Regional Rural Banks Awards & Accolades Business Network Financial Inclusion Mar’25 Pre-Audit Mar-24 Mar-25 YoY (%) Mar-24 Mar-25 YoY (%) Mar-24 Mar-25 YoY (%) Mar-24 Mar-25 YoY (%) Business 45913 50764 11 25963 26772 3 2659 3160 19 74534 80696 8 Operating Profit 776 728 (6) 607 637 5 30 36 22 1413 1402 (1) Net Profit 447 357 (20) 350 387 11 19 27 43 816 771 (5) Gross NPA % 0.88 0.77 - 11 bps 0.46 0.50 4 bps 1.36 0.90 - 46 bps - - - Net NPA % 0 0 - 0 0 - 0 0 - - - - CRAR % 13.27 13.49 22 bps 18.91 22.71 380 bps 10.37 10.39 2 bps - - - No. of branches 663 675 - 245 246 - 47 47 - 955 968 - Parameters YE YE YEYE Total of 3 RRBsTamil Nadu Grama Bank Saptagiri Grameena Bank Puduvai Bharathiar Grama Bank 46/50
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Awards & Accolades Digital Footprint HRM ESG Joint Venture & Subsidiaries Regional Rural Banks Awards & Accolades Business Network Financial Inclusion Best CFO Award for Indian Bank CFO at ASSOCHAM 3rd Vibrant Bharat CFO Summit & Awards, New Delhi Bank has received The Economic Times CIO Award for Enterprise IT Excellence 2025 – Excellence in Technology Implementation- Future Proof Digital Infrastructure Indian Bank honored during the Economic Times Now Best BFSI Brands 2025 Conclave EASE 6.0 Reforms Index Top Improver #2 and People & HR Operations #3 Prestigious SKOCH Award for ❖ “Project WAVE” & ❖ “SMA Collection Proclivity Predictor” 47/50
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Awards & Accolades Digital Footprint HRM ESG Joint Venture & Subsidiaries Regional Rural Banks Awards & Accolades Business Network Financial Inclusion ❖ “Best Cloud Initiative of the Year” -ET Edge recognition (2024) ❖ “Best Team Project in Cloud Implementation (PSB)” -5th Annual BFSI Technology Excellence Awards 2024 IBA Annual Banking Technology Conference, 2024 -Special Mention under Large Bank segment : Best Digital Sales, Payments & Engagement; Best Tech Talent & Org.; Best AI & ML Adoption; and Best FI ❖ CEO of the Year Award ❖ Best Public Sector Bank Award at Tamil Nadu Leadership Awards 2024. ❖ Excellent Customer Service for MSMEs ❖ Best Technology Enabler of the Year for MSMEs ASSOCHAM’s 11th MSME Excellence Awards & Conference, Delhi Indian Bank won the 5th edition of Most Trusted Brands in India 2025-26 by Marksmen Daily 48/50
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This presentation has been prepared by Indian Bank (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. Certain forward-looking statements in these slides involve a number of risks, uncertainties and other factors that could cause actual results to differ materially from those suggested by the forward-looking statements. These risks and uncertainties include, but are not limited to, our ability to successfully implement our strategy, future levels of non-performing loans, our growth and expansion, the adequacy of our allowance for credit losses, our provisioning policies, technological changes, investment income, cash flow projections, our exposure to market risks as well as other risks. Indian Bank undertakes no obligation to update the forward-looking statements to reflect events or circumstances after the date thereof. Note: All financial numbers in the presentation are from Audited Financials or Limited Reviewed financials or based on Management estimates. Disclaimer 49/50
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Thank You