Financial Ratios Induslnd Bank Limited

Equities

INDUSINDBK

INE095A01012

Banks

Market Closed - NSE India S.E. Other stock markets 07:05:03 2026-03-13 am EDT			5-day change	1st Jan Change
814.40 ^INR	-2.04%		-11.27%	-5.76%

Mar. 10	Glass Lewis Controversy Alert: IndusInd Bank	MT
Mar. 05	India's IndusInd Bank treasury head set to exit, sources say	RE

8440973848ff749660b43d41.N3aiGpEQQcCV5ot_Fb6s9UbjhIQp6B3_1Av1W5bcZUE.fUfJcNZxFJTXn8g3f_XotH6z1tdFmnDHhDLMDOSvPBJEM8F7-nZyj8SEzg

Published financial data: INDUSLND BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	290B	308B	364B	457B	487B
Interest Income, Total	290B	308B	364B	457B	487B
Interest On Deposits	155B	158B	188B	251B	296B
Interest Expense, Total	155B	158B	188B	251B	296B
Net Interest Income	135B	150B	176B	206B	190B
Gain (Loss) on Sale of Assets	13.79M	-11.3M	-27.79M	-31.38M	19.93M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	14.86B	5.93B	-166M	5.05B	6.87B
Total Other Non Interest Income	50.13B	68.16B	81.92B	88.93B	70.01B
Non Interest Income, Total	65.01B	74.08B	81.73B	93.96B	76.9B
Revenues Before Provison For Loan Losses	200B	224B	258B	300B	267B
Provision For Loan Losses	79.43B	82.93B	45.06B	38.95B	71.36B
Total Revenues	121B	141B	213B	261B	196B
Salaries And Other Employee Benefits	30.39B	34.61B	41.5B	53.15B	60.28B
Stock-Based Compensation (IS)	1.42M	123M	283M	592M	-
Occupancy Expense	11.69B	12.9B	14.43B	16.73B	19.02B
Selling General & Admin Expenses, Total	3.3B	3.77B	4.45B	5.82B	5.68B
(Income) Loss on Equity Invest.	-2.21M	-3.98M	-3.64M	-3.07M	-1.32M
Total Other Non Interest Expense	36.19B	41.7B	52.79B	65.19B	75.62B
Non Interest Expense, Total	81.57B	93.1B	113B	141B	161B
EBT, Excl. Unusual Items	39.3B	48.05B	99.13B	120B	35.26B
EBT, Incl. Unusual Items	39.3B	48.05B	99.13B	120B	35.26B
Income Tax Expense	10B	-	24.7B	29.92B	9.5B
Earnings From Continuing Operations	29.3B	48.05B	74.43B	89.77B	25.76B
Net Income to Company	29.3B	48.05B	74.43B	89.77B	25.76B
Net Income - (IS)	29.3B	48.05B	74.43B	89.77B	25.76B
Net Income to Common Incl Extra Items	29.3B	48.05B	74.43B	89.77B	25.76B
Net Income to Common Excl. Extra Items	29.3B	48.05B	74.43B	89.77B	25.76B
Per Share Items
Net EPS - Basic	40.03	62.07	96.01	115.54	33.07
Basic EPS - Continuing Operations	40.03	62.07	96.01	115.54	33.07
Basic Weighted Average Shares Outstanding	732M	774M	775M	777M	779M
Net EPS - Diluted	39.96	61.97	95.89	115.33	33.05
Diluted EPS - Continuing Operations	39.96	61.97	95.89	115.33	33.05
Diluted Weighted Average Shares Outstanding	733M	775M	776M	778M	779M
Normalized Basic EPS	33.56	38.8	79.92	96.28	28.29
Normalized Diluted EPS	33.5	38.73	79.82	96.1	28.28
Dividend Per Share	5	8.5	14	16.5	-
Payout Ratio	-	8.05	8.85	12.1	49.89
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	25.44	-	24.91	25	26.95
Total Current Taxes	17.04B	18.4B	23.32B	25.88B	15.04B
Total Deferred Taxes	-7.04B	-2.12B	1.38B	4.03B	-5.54B
Normalized Net Income	24.56B	30.03B	61.96B	74.81B	22.04B
Non-Cash Pension Expense	115M	117M	362M	212M	143M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	1.42M	123M	283M	592M	-535M
Total Stock-Based Compensation	1.42M	123M	283M	592M	-535M

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	401B	542B	150B	196B	96.65B
Investment Securities, Total	676B	682B	831B	1,065B	1,145B
Total investments	676B	682B	831B	1,065B	1,145B
Gross Loans	2,126B	2,391B	2,899B	3,433B	3,450B
Net Loans	2,126B	2,391B	2,899B	3,433B	3,450B
Gross Property Plant And Equipment	38.54B	42.07B	46.58B	52.21B	59.4B
Accumulated Depreciation	-19.78B	-22.78B	-25.79B	-28.97B	-34.44B
Net Property Plant And Equipment	18.76B	19.29B	20.79B	23.24B	24.96B
Accrued Interest Receivable	20.14B	20.17B	23.95B	30.98B	47.14B
Restricted Cash	165B	144B	417B	173B	497B
Other Current Assets, Total	8.74B	12.64B	2.4B	8.44B	24.28B
Deferred Tax Assets Long-Term (Collected)	20.11B	22.32B	21.39B	22.61B	30.77B
Other Real Estate Owned And Foreclosed	4.14B	640M	640M	-	-
Other Long-Term Assets, Total	189B	187B	211B	199B	225B
Total Assets	3,629B	4,020B	4,578B	5,151B	5,541B
Liabilities
Interest Bearing Deposits	2,201B	2,568B	2,855B	3,376B	3,701B
Non-Interest Bearing Deposits	357B	365B	506B	470B	408B
Total Deposits	2,559B	2,933B	3,361B	3,846B	4,109B
Current Portion of Long-Term Debt	227B	166B	199B	145B	297B
Long-Term Debt	287B	307B	291B	331B	240B
Accrued Interest Payable	14.51B	13.11B	18.3B	19.43B	26.21B
Other Current Liabilities - (Bank / Utility Template)	6.62B	8.44B	11.45B	13.94B	13.4B
Other Non Current Liabilities	101B	111B	147B	164B	207B
Total Liabilities	3,194B	3,539B	4,028B	4,519B	4,893B
Common Stock, Total	7.73B	7.75B	7.76B	7.78B	7.79B
Additional Paid In Capital	184B	184B	185B	188B	188B
Retained Earnings	234B	278B	345B	424B	437B
Comprehensive Income and Other	9.51B	10.43B	11.55B	12.6B	15.47B
Total Common Equity	435B	480B	550B	632B	648B
Total Equity	435B	480B	550B	632B	648B
Total Liabilities And Equity	3,629B	4,020B	4,578B	5,151B	5,541B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	773M	775M	776M	778M	779M
ECS Total Common Shares Outstanding	773M	775M	776M	778M	779M
Book Value / Share	562.48	619.96	708.92	812.1	832.24
Tangible Book Value	435B	480B	550B	632B	648B
Tangible Book Value Per Share	562.48	619.96	708.92	812.1	832.24
Total Debt	513B	473B	490B	476B	537B
Deposits at Interest - Cash	349B	487B	366B	163B	358B
Debt Equivalent of Unfunded Proj. Benefit Obligation	112M	182M	365M	535M	383M
Net Debt	112B	-68.9B	340B	280B	440B
Equity Method Investments, Total	24.25M	28.24M	31.87M	34.94M	36.25M
Full Time Employees	29.66K	33.58K	38.18K	45.64K	44.97K
Number Of Offices	2.02K	2.26K	2.61K	2.98K	3.08K

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	29.3B	48.05B	74.43B	89.77B	25.76B
Depreciation, Depletion & Amortization	2.47B	2.7B	3.15B	3.42B	3.8B
Total Depreciation, Depletion & Amortization	2.47B	2.7B	3.15B	3.42B	3.8B
Amortization of Deferred Charges, Total	804M	818M	917M	1.21B	1.52B
(Gain) Loss On Sale of Asset - (CF)	-13.79M	11.3M	27.79M	31.38M	-19.93M
(Gain) Loss on Sale of Investments - (CF)	8.48B	7.42B	7.84B	8.43B	3.3B
Provision for Credit Losses	73.34B	62.99B	41.85B	33.35B	30.32B
(Income) Loss On Equity Investments - (CF)	2.21M	3.98M	3.64M	3.07M	1.32M
Stock-Based Compensation (CF)	1.42M	123M	283M	592M	535M
Change in Other Net Operating Assets (Collected)	-205B	-325B	-694B	-789B	-125B
Other Operating Activities	1.66B	-5.6B	12.93B	-1.69B	-19.99B
Cash from Operations	-88.67B	-208B	-552B	-654B	-79.99B
Capital Expenditure	-3.41B	-4.14B	-5.71B	-7.3B	-7.31B
Sale of Property, Plant, and Equipment	101M	81.38M	109M	187M	224M
Cash from Investing	-3.31B	-4.06B	-5.6B	-7.11B	-7.09B
Long-Term Debt Issued, Total	-	28B	26.88B	901M	60.92B
Total Debt Issued	-	28B	26.88B	901M	60.92B
Long-Term Debt Repaid, Total	-94.31B	-68B	-10B	-14.9B	-
Total Debt Repaid	-94.31B	-68B	-10B	-14.9B	-
Issuance of Common Stock	53.35B	844M	857M	2.45B	683M
Common Dividends Paid	-	-3.87B	-6.59B	-10.86B	-12.85B
Common & Preferred Stock Dividends Paid	-	-3.87B	-6.59B	-10.86B	-12.85B
Net Increase (Decrease) in Deposit Accounts - (CF)	538B	375B	428B	485B	263B
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	497B	332B	439B	462B	312B
Foreign Exchange Rate Adjustments	69.86M	109M	797M	81.81M	234M
Miscellaneous Cash Flow Adjustments	1K	-	-	-	-
Net Change in Cash	406B	120B	-118B	-199B	225B
Supplemental Items
Cash Income Tax Paid (Refund)	8.33B	21.88B	11.96B	31.71B	29.49B
Net Debt Issued / Repaid	-94.31B	-40B	16.88B	-14B	60.92B

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.87	1.26	1.73	1.85	0.48
Return On Equity %	7.49	10.5	14.45	15.19	4.02
Return on Common Equity	7.49	10.5	14.45	15.19	4.02
Shareholders Value Added	-17.65B	-6.87B	12.62B	18.85B	-51.07B
Margin Analysis
SG&A Margin	40.21	39.37	30.74	31.14	46.81
Net Interest Income / Total Revenues %	111.93	106.27	82.75	78.94	97.17
EBT Excl. Non-Recurring Items Margin %	32.51	34.04	46.63	45.83	18
Income From Continuing Operations Margin %	24.24	34.04	35.01	34.37	13.15
Net Income Margin %	24.24	34.04	35.01	34.37	13.15
Net Avail. For Common Margin %	24.24	34.04	35.01	34.37	13.15
Normalized Net Income Margin	20.32	21.28	29.14	28.64	11.25
Asset quality
Nonperforming Loans / Total Loans %	2.73	2.31	2.01	1.95	3.2
Nonperforming Loans / Total Assets %	1.6	1.37	1.27	1.3	1.99
Nonperforming Assets / Total Assets %	1.6	1.37	1.27	1.3	1.99
NPAs / Loans and OREO	2.72	2.31	2.01	1.95	3.2
NPAs / Equity	13.32	11.49	10.59	10.59	17.04
Provision for Loan Losses / Net Charge-offs %	195.88	189.15	122.26	166.67	190.31
Capital And Funding
Total Average Common Equity / Total Average Assets %	11.68	11.97	11.98	12.15	11.98
Total Average Equity / Total Average Assets %	11.68	11.97	11.98	12.15	11.98
Total Equity + Allowance for Loan Losses / Total Loans %	20.46	20.09	18.97	18.41	18.79
Gross Loans / Total Deposits %	83.09	81.49	86.26	89.26	83.97
Net Loans / Total Deposits %	83.09	81.49	86.26	89.26	83.97
Tier 1 Capital Ratio %	16.83	16.8	16.37	15.82	15.1
Total Capital Ratio %	17.38	18.42	17.86	17.23	16.24
Core Tier 1 Capital Ratio	15.55	15.96	15.93	15.82	15.1
Tier 2 Capital Ratio	0.55	1.62	1.49	1.41	1.14
Interbank Ratio	119.62	525.62	36.33	66.28	5.29
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.25	1.3	1.53	1.48	1.12
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	12.18	10.89	17.27	17.19	-7.69
Non Interest Income, 1 Yr. Growth %	-6.5	13.95	11.27	14.96	-18.15
Provision For Loan Losses, 1 Yr. Growth %	70.73	-7.26	-32.42	-13.55	83.68
Total Revenues, 1 Yr. Growth %	-15.83	27.32	35.6	22.85	-25.03
Earnings From Cont. Operations, 1 Yr. Growth %	-34.28	63.99	54.91	20.61	-71.31
Net Income, 1 Yr. Growth %	-34.28	63.99	54.91	20.61	-71.31
Normalized Net Income, 1 Yr. Growth %	-36.38	63.99	55.69	20.74	-70.57
Diluted EPS Before Extra, 1 Yr. Growth %	-37.66	55.08	54.74	20.27	-71.34
Dividend Per Share, 1 Yr. Growth %	-	70	64.71	17.86	-
Gross Loans, 1 Yr. Growth %	2.81	12.44	21.28	18.41	0.5
Net Loans, 1 Yr. Growth %	2.81	12.44	21.28	18.41	0.5
Non Performing Loans, 1 Yr. Growth %	12.6	-4.79	5.6	14.88	65.03
Non Performing Assets, 1 Yr. Growth %	12.6	-4.79	5.6	14.88	65.03
Total Assets, 1 Yr. Growth %	18.12	10.76	13.9	12.51	7.57
Total Deposits, 1 Yr Growth %	26.65	14.65	14.58	14.42	6.83
Tangible Book Value, 1 Yr. Growth %	25.19	10.4	14.53	14.91	2.58
Common Equity, 1 Yr. Growth %	25.19	10.4	14.53	14.91	2.58
Total Equity, 1 Yr. Growth %	25.19	10.4	14.53	14.91	2.58
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	23.66	11.53	14.04	17.23	4.01
Non Interest Income, 2 Yr. CAGR %	7.3	3.22	12.12	13.1	-3
Provision For Loan Losses, 2 Yr. CAGR %	59.87	33.52	-29.01	-23.57	25.84
Total Revenues, 2 Yr. CAGR %	3.03	-0.85	38.47	29.07	-4.02
Earnings From Cont. Operations, 2 Yr. CAGR %	-5.78	3.82	59.38	36.69	-41.18
Net Income, 2 Yr. CAGR %	-5.78	3.82	59.38	36.69	-41.18
Normalized Net Income, 2 Yr. CAGR %	-11.17	-11.8	83.94	37.1	-40.36
Diluted EPS Before Extra, 2 Yr. CAGR %	-14.33	-1.68	54.91	36.42	-41.29
Dividend Per Share, 2 Yr. CAGR %	-18.35	-	67.33	39.33	-
Gross Loans, 2 Yr. CAGR %	6.8	7.52	16.78	19.84	9.09
Net Loans, 2 Yr. CAGR %	6.8	7.52	16.78	19.84	9.09
Non Performing Loans, 2 Yr. CAGR %	21.16	3.54	0.27	10.15	37.69
Non Performing Assets, 2 Yr. CAGR %	21.16	3.54	0.27	10.15	37.69
Total Assets, 2 Yr. CAGR %	14.29	14.38	12.32	13.2	10.01
Total Deposits, 2 Yr CAGR %	14.59	20.5	14.61	14.5	10.56
Tangible Book Value, 2 Yr. CAGR %	27.67	17.56	12.45	14.72	8.57
Common Equity, 2 Yr. CAGR %	27.67	17.56	12.45	14.72	8.57
Total Equity, 2 Yr. CAGR %	27.67	17.56	12.45	14.72	8.57
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	21.74	19.25	13.42	15.08	8.26
Non Interest Income, 3 Yr. CAGR %	11.03	9.47	5.54	13.06	1.54
Provision For Loan Losses, 3 Yr. CAGR %	89.05	38.71	-1.06	-24.19	2.29
Total Revenues, 3 Yr. CAGR %	2.96	7.43	13.97	33.06	7.7
Earnings From Cont. Operations, 3 Yr. CAGR %	-6.69	13.33	18.63	45.24	-18.77
Net Income, 3 Yr. CAGR %	-6.69	13.33	18.63	45.24	-18.77
Normalized Net Income, 3 Yr. CAGR %	-10.5	-1.19	17.08	59.85	-17.88
Diluted EPS Before Extra, 3 Yr. CAGR %	-12.46	4.41	14.37	42.38	-18.9
Dividend Per Share, 3 Yr. CAGR %	-12.64	4.26	-	48.88	-
Gross Loans, 3 Yr. CAGR %	13.62	8.65	11.92	17.32	13.01
Net Loans, 3 Yr. CAGR %	13.62	8.65	11.92	17.32	13.01
Non Performing Loans, 3 Yr. CAGR %	50.35	11.81	4.22	4.92	26.04
Non Performing Assets, 3 Yr. CAGR %	50.35	11.81	4.22	4.92	26.04
Total Assets, 3 Yr. CAGR %	17.87	13.1	14.22	12.38	11.29
Total Deposits, 3 Yr CAGR %	19.05	14.61	18.49	14.55	11.88
Tangible Book Value, 3 Yr. CAGR %	22.19	21.64	16.54	13.26	10.52
Common Equity, 3 Yr. CAGR %	22.19	21.64	16.54	13.26	10.52
Total Equity, 3 Yr. CAGR %	22.19	21.64	16.54	13.26	10.52
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	24.53	19.86	18.6	18.44	9.56
Non Interest Income, 5 Yr. CAGR %	14.54	12.17	11.46	10.72	2.04
Provision For Loan Losses, 5 Yr. CAGR %	63.87	50.02	30.83	4.62	8.93
Total Revenues, 5 Yr. CAGR %	11.1	9.07	13.94	18.06	6.41
Earnings From Cont. Operations, 5 Yr. CAGR %	5.08	10.87	15.6	22.15	-10.39
Net Income, 5 Yr. CAGR %	5.08	10.87	15.6	22.15	-10.39
Normalized Net Income, 5 Yr. CAGR %	2.52	1.96	12.58	19.17	-10.61
Diluted EPS Before Extra, 5 Yr. CAGR %	0.35	5.44	9.99	16.2	-12.41
Dividend Per Share, 5 Yr. CAGR %	2.13	7.21	13.3	17.08	-
Gross Loans, 5 Yr. CAGR %	19.18	16.15	14.87	12.99	10.78
Net Loans, 5 Yr. CAGR %	19.18	16.15	14.87	12.99	10.78
Non Performing Loans, 5 Yr. CAGR %	49.47	39.22	27.86	11.14	16.5
Non Performing Assets, 5 Yr. CAGR %	49.47	39.22	27.86	11.14	16.5
Total Assets, 5 Yr. CAGR %	20.49	17.61	15.62	13.14	12.52
Total Deposits, 5 Yr CAGR %	22.44	18.31	17.26	14.56	15.25
Tangible Book Value, 5 Yr. CAGR %	19.71	18.39	18.2	18.82	13.29
Common Equity, 5 Yr. CAGR %	19.71	18.39	18.2	18.82	13.29
Total Equity, 5 Yr. CAGR %	19.71	18.39	18.2	18.82	13.29