Indusind Bank Ltd. · NSE:INDUSINDBK
Indusind Bank — Q2 FY27 Earnings Presentation
42 slides from Indusind Bank's earnings presentation, Oct 23, 2026
Slide 1: Cover letter to stock exchanges
October 23, 2026 National Stock Exchange of India Limited (Symbol: INDUSINDBK) BSE Limited (Scrip Code: 532187) Luxembourg Stock Exchange Madam / Dear Sir, Sub.: Investor Presentation on the Unaudited Consolidated and Standalone Financial Results of the Bank for the quarter and half year ended Septe
Slide 2: Investor Presentation Q2-FY27
Investor Presentation Q2-FY27 | September 2026 October 23, 2026
Slide 3: Presentation Path
Presentation Path 01 Summary Executive Business Performance 02 2 Asset Quality 03 Financial Highlights 04 Capital and Liquidity Position 05 Other Key Information 06
Slide 4: IndusInd Bank at a Glance
IndusInd Bank at a Glance 5th Largest Private Bank ₹ 3,63,104crs ₹ 4,28,832crs 42 mn 9,457 Loans Deposits Customers Touch Points Universal 58% 42% 49% 2.8mn+ Offerings Retail Wholesale Retail Deposit Share Monthly Active share in Loan Book as per LCR Users on INDIE App Robust Balance 16.59% 127% 70%
Slide 5: Highlights for Q2FY27
Highlights for Q2FY27 Avg Total Deposits: ↑ 7% QoQ Avg Total Loans: ↑ 9% QoQ Acceleration in Business Momentum Across Segments Avg Retail Deposits: ↑ 5% QoQ Avg Retail Loans: ↑ 9% QoQ Balance Sheet Retail Deposit share: 49.0% vs. 49.5% QoQ Avg Wholesale Loans: ↑ 9% QoQ GNPAs: 2.73% vs 3.25% QoQ Net
Slide 6: Key Financial Metrics for Q2 FY27
Key Financial Metrics for Q2 FY27 Balance Sheet Loans Deposits Borrowings Net worth Total Assets ₹ 3,63,104crs ₹ 4,28,832crs ₹ 53,781crs ₹ 65,985crs ₹ 5,80,148crs 11% YoY 11% QoQ 10% YoY 3% QoQ 19% YoY 23% QoQ 6% YoY 2% QoQ 10% YoY 5% QoQ CRAR Net NPA Liquidity Coverage Ratio Provision Coverage Rati
Slide 7: Consolidated Balance Sheet (End of Period)
Consolidated Balance Sheet (End of Period) ₹ crs Q2FY27 Q2FY26 Y-o-Y (%) Q1FY27 Q-o-Q (%) Capital & Liabilities Capital 779 779 - 779 - Reserves and Surplus 67,142 64,279 4% 66,049 2% Deposits 4,28,832 3,89,600 10% 4,14,766 3% CA Deposits 36,742 31,916 15% 34,620 6% SA Deposits 83,024 87,854 (5)% 87
Slide 8: Consolidated Profit and Loss Account – Q2FY27 and H1FY27
Consolidated Profit and Loss Account – Q2FY27 and H1FY27 ₹ crs Q2FY27 Q2FY26 Y-o-Y (%) Q1FY27 Q-o-Q (%) H1FY27 H1FY26 Y-o-Y (%) Net Interest Income 4,569 4,409 4% 4,685 (2)% 9,254 9,049 2% Other Income 2,248 1,651 36% 1,787 26% 4,034 3,808 6% Total Income 6,817 6,061 12% 6,471 5% 13,289 12,857 3% Op
Slide 9: Business Performance
Executive Summary 01 Presentation Path 02 Business Performance 8 Asset Quality 03 Financial Highlights 04 Capital and Liquidity Position 05 Other Key Information 06
Slide 10: Deposit and Loan Book Performance
Deposit and Loan Book Performance Deposit Mix – Average for the period (₹ crs) Loan Mix – Average for the period (₹ crs) 120% YoY 4,20,000 QoQ 120% YoY QoQ 3,84,166 3,79,139 3,81,458 3,83,807 4,11,974 7% 7% 3,25,015 3,19,860 3,12,909 3,18,564 3,46,138 6% 9% 100% 4,10,000 100% 80% 4,00,000 80% 43% 41
Slide 11: Building a Granular and Cost-Efficient Liabilities Franchise
Building a Granular and Cost-Efficient Liabilities Franchise Retail + SBC Deposit as per LCR Definitions – Average (₹ crs) Cost of Deposits (%) 2,50,000 55.0% 12% YoY 6.23% (27) bps YoY 6.09% 6.07% 5.96% 2,01,780 53.0% 5.93% 1,82,898 1,90,166 6% QoQ 3bps QoQ 2,00,000 1,80,475 1,80,113 51.0% 49.0% 1,
Slide 12: Key Drivers of Retailisation of Deposits
Key Drivers of Retailisation of Deposits Process and ‘One Bank’ approach Improving TAT for Productivity holistically serving processes across Revamped KRAs Cross-sell driven engagement customer needs acquisition & servicing Enhancement Premiumization Segmental focus - Business and Differentiated Wea
Slide 13: Supported by Large Distribution Network
Supported by Large Distribution Network Widespread Pan Regional Breakdown Geographical Breakdown India Footprint of Branches of Branches 9,457 ~1,54,000 Touch Points Villages Covered Central North Urban Rural 13% 22% Particulars (#) Sep-26 Jun-26 QoQ 25% 24% East Branches/Banking 20% 3,139 3,137 2 O
Slide 14: Loan Book Diversified Across Customer Segments
Loan Book Diversified Across Customer Segments Loan Book Composition Loan mix and Growth (End of Period) Rs. Crore Q2 FY27 YoY QoQ % Share Institutional & Retail 2,10,330 13% 12% 58% Government Banking, 10% Commercial Vehicle Finance, Vehicle Finance 1,00,651 5% 1% 28% Banking, Mid 28% Market and Ru
Slide 15: Vehicle Finance: Leadership Across Vehicle Categories
Vehicle Finance: Leadership Across Vehicle Categories 35+ Market Leader Nationwide Healthy Digital Initiatives New vs Used Years in Most Diversified Collateral for a Customer-first Loan Book of Vintage Products Presence Coverage Experience 82%:18% Vehicle Finance Loan Book (₹ crs) Vehicle Finance Di
Slide 16: Rural Banking: Leveraging Deep Distribution to Serve the Underserved
Rural Banking: Leveraging Deep Distribution to Serve the Underserved Micro Loan Book* (₹ Crs) Merchant Loan Book (₹ Crs) YoY QoQ 20% YoY Loan Book Disbursements 8,694 154K 8,042 8,095 7% QoQ Villages 21,321 (18)% 8% 7,262 7,338 served across 17,669 16,782 16,305 17,571 23 States 6,548 396% 25% 3,598
Slide 17: Consumer Banking: Broadening the Traditional Retail Asset Franchise
Consumer Banking: Broadening the Traditional Retail Asset Franchise LAP (₹ crs) BBG (₹ crs) 14,407 3% YoY 13,156 13,374 13,489 12,518 10% YoY 10,201 10,523 9,458 9,729 9,610 10% QoQ 7% QoQ Improved risk & analytical Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 models Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY
Slide 18: SME & Mid Market: Addressing Large Opportunity with Focus on Granular Portfolio
SME & Mid Market: Addressing Large Opportunity with Focus on Granular Portfolio SME & Mid Market Loan Book (₹ crs) and % Share in Loan Portfolio Spread Across Industries 70,000 18.0% Mix 58,574 12% YoY 60,000 Integrated Trading - Wholesale 52,294 13% QoQ Operating Model 51,123 50,829 51,823 +Retail
Slide 19: Wholesale Banking: Driven by Risk Adjusted Return on Capital
Wholesale Banking: Driven by Risk Adjusted Return on Capital Risk Profile: Rating wise Wholesale Banking Loan Book (₹ crs) Corporate Exposure * 1,39,114 1,32,616 1,29,364 1,39,092 1,52,774 10% YoY Primary Banker to Emerging & Mid Corporates 37% 36% 37% 10% QoQ 18% 16% 16% 13% 16% 39% 39% 30% 29% 29%
Slide 20: Digital snapshot Q2FY27 – Retail Banking
Digital snapshot Q2FY27 Retail Banking (INDIE app) Q2FY27 saw continued growth in INDIE's user base and engagement, translating into sustained momentum across UPI, Bill Payments and Fund Transfers. New Digital Offerings Users FD Secure Lock Money In Money Out 5.39 Mn 2.9 Mn 560K 37%* Registered Mont
Slide 21: Digital snapshot Q2FY27 – MSME Banking
Digital snapshot Q2FY27 MSME Banking (INDIE for Business) Growth in business account registrations, merchant onboarding and payment transactions during Q2FY27 shows increasing adoption of INDIE for Business for business banking needs Seamless SME and Corporate Banking Account Management Users Statut
Slide 22: Asset Quality
Executive Summary 01 Presentation Path Business Progress 02 03 Asset Quality 21 Financial Highlights 04 Capital and Liquidity Position 05 Other Key Information 06
Slide 23: Stressed Assets and Provisions
Stressed Assets and Provisions Restructured Book and Net Security Receipts (% of Net Advances) Restructured Book and Net Security Receipts (% of Net Advances) Gross NPA and Net NPA (%) Provision Coverage Ratio (%) YoY QoQ 3.60% 3.56% 3.43% 3.25% (162)bps YoY 2.73% (87)bps (52)bps 72% 72% 71% 71% (12
Slide 24: Segment wise Asset Quality Trends
Segment wise Asset Quality Trends ₹ Crs 2,537 1,660 1,460 2,094 1,188 928 2,517 1,435 1,671 12,058 10,849 10,106 -52 25 7 3 - 37 61 75 48 440 486 372 353 2,770 570 3,026 2,937 480 460 361 345 124 379 157 105 158 1,250 1,182 1,174 867 183 167 135 129 970 941 191 133 1,072 1,002 143 90 4,719 2,661 1,7
Slide 25: Movement in Non-Performing Assets
Movement in Non-Performing Assets ₹ Crs Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Opening Balance 12,481 12,058 11,605 11,095 10,849 Fresh Additions 2,537 2,560 1,825 1,660 1,460 Deductions 2,960 3,013 2,335 1,907 2,203 -Write-offs 2,517 2,612 1,868 1435 1671 -Upgrades 199 166 203 225 195 -Recoveries 244 2
Slide 26: Loan Related Provisions held as on September 30, 2026
Loan Related Provisions held as on September 30, 2026 • Specific provision of ₹ 7,023 crs for non-performing accounts (towards PCR) • Floating provisions of ₹ 70 crs (towards PCR) • Standard asset provisions of ₹ 1,919 crs including restructured • Provision Coverage Ratio at 70% and total loan relat
Slide 27: Financial Highlights
Executive Summary 01 Presentation Path Business Progress 02 Asset Quality 03 26 04 Financial Outcomes Capital and Liquidity Position 05 Other Key Information 06
Slide 28: Key P&L Metrics
Key P&L Metrics NetSecurity Restructured Book and Net Revenue Receipts (₹ crs) (% of Net Advances) Operating Restructured Book and Expenses Net Security (₹ crs)(% of Net Advances) Receipts YoY QoQ YoY QoQ 6,471 6,817 6,060 6,269 6,085 12% 5% 4,013 3,999 3,790 3,943 3,698 (2)% 7% 1,707 1,787 2,248 1,
Slide 29: Net Interest Margin: Key Components and Trend
Net Interest Margin: Key Components and Trend Yield on Advances and Assets (%) Cost of Deposits and Cost of Funds (%) Net Interest Margin (%) 11.23 11.08 11.15 10.93 10.67 6.23 6.09 6.07 5.93 5.96 3.32 3.52 3.39 3.57 3.23 8.75 8.78 8.53 8.62 8.35 5.43 5.26 5.14 5.05 5.11 Q2FY26 Q3FY26 Q4FY26 Q1FY27
Slide 30: Diversified Fee and Other Income Streams
Diversified Fee and Other Income Streams Non-Interest Income Mix (₹ crs) Core Fee to Asset Ratio (% of Average Assets) 1,651 1,707 1,714 1,787 2,248 YoY QoQ 1.35% YoY QoQ 6% 8% 11% 12% 36% 26% 16% 20% 18% 19% 1.23% 1.20% 17bps 14bps 23% 19% 1.18% 1.16% 74% 74% 70% 65% 65% Q2 FY26 Q3 FY26 Q4 FY26 Q1
Slide 31: Key Financial Indicators
Key Financial Indicators Restructured Book and Return on Assets Net Security (%)* (% of Net Advances) Receipts Restructured Book and Return on Equity Net Security (%)* (% of Net Advances) Receipts 7.37% 6.26% 0.87% 3.64% 0.78% 0.45% 0.79% 0.10% -0.33% -2.68% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Q
Slide 32: Capital and Liquidity Position
Executive Summary 01 Presentation Path Business Progress 02 Asset Quality 03 Financial Highlights 04 31 05 Position Liquidity Capital and Other Key Information 06
Slide 33: Healthy Capital Adequacy and Liquidity Position
Healthy Capital Adequacy and Liquidity Position CRAR (%) CET 1 (%) (51)bps YoY 16.20% 16.10% (33)bps YoY 15.88% 15.74% 17.48% (56)bps QoQ 15.55% 17.10% 16.94% 17.15% (54)bps QoQ 16.59% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Q2 & Q3 FY26 excludes interim profi
Slide 34: Shareholding Pattern and Credit Ratings
Shareholding Pattern and Credit Ratings Diversified Shareholding Credit Ratings Domestic Rating NRIs/ Director/ CARE A1+ for Certificate of Deposits. Others GDR issue Individuals 1.86% 4.64% Promoters CRISIL A1+ certificate of deposit program / short 7.31% 15.08% term FD programme. Private Corporate
Slide 35: Other Key Information
Executive Summary 01 Presentation Path Business Progress 02 Asset Quality 03 Financial Highlights 04 34 Capital and Liquidity Position 05 06 Other Key Information
Slide 36: Micro Loans: Additional Disclosures (1/2)
Micro Loans: Additional Disclosures (1/2) Cumulative 12M ending Sep-26 Q2 FY27 73% Up to 6 M 6-12 M 12-24 M 24-36 M 73% Up to 6 M 6-12 M 12-24 M 8% 24-36 M of Disbursements 1% 0% 3% of Disbursements 0% 1% 4% 8% Towards Centers with 36-48 M Towards Centers with 7% 36-48 M >5 Years Vintage 48-60 M >5
Slide 37: Micro Loans: Additional Disclosures (2/2)
Micro Loans: Additional Disclosures (2/2) Net Collection Efficiency Early Stress Bucket (DPD Book % of Gross Portfolio) DPD 1-90 DPD 30-90 Standard Customers (0-90 DPD) Current Customers (0 DPD) 4.8% 99.5% 99.6% 99.6% 99.7% 99.7% 99.8% 99.7% 99.7% 99.7% 99.8% 99.8% 99.8% 4.1% 99.0% 99.1% 98.8% 3.3%
Slide 38: ESG highlights – Select ESG ratings
ESG highlights – Select ESG ratings (starting with recently received) 73/100 69/100 (09-Sep-26) (09-Sep-26) 68/100 (09-Sep-26) 72/100 65/100 83/100 (02-Jan-26) (08-Dec-25) (09-Dec-25)
Slide 39: ESG and CSR highlights – Environment initiatives
ESG and CSR highlights – Environment initiatives 2032 ~ 37% 3 14 Target year for Carbon Neutrality Green, Climate, Social, Livelihood & Offices LEED Branches/Lobbies with LEED in own operations inclusive portfolio of loan book FY26 certification certification (externally assured) 12,237 hectares 20.
Slide 40: ESG and CSR highlights
ESG and CSR highlights Social Initiatives – impact Impact through our Initiatives – FY2026 • Reached 3 lakh rural HHs and 1.31 lakh HHs directly 19 lakh farmers 60,200+ students 955+ sportspersons supported with increase in income by 30% across five served in BFIL Bharat supported under FLN supporte
Slide 41: Awards & Accolades
Awards & Accolades IndusInd Bank won ‘Best Bank Financing the Industry’ at the IndusInd Bank won the 'Best IndusInd Bank has been awarded IndusInd Bank won ‘Silver’ Use of Agents in Testing 52nd India Gems & Jewellery the ‘Passion Award’ at award, for Excellence in Award’, for successfully Awards, p
Slide 42: Disclaimer
Disclaimer This presentation has been prepared by IndusInd Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any condensed,. All information contained has been prepared solely by the Bank. No informati