Indian Bank — Q2FY27 earnings call summary
Filed 21 October 2026 · Official transcript
- Total business grew 14.22%, deposits 12.50%, advances 16.39% in Q2 FY27
- Deposit growth guidance raised to 11-12%, advances to 13-14% for FY27
- ECL provisioning of Rs.1,500 crore this quarter; total expected Rs.3,500 crore
- Treasury income muted; NIM expected to expand 6-7 bps in Q3 FY27
- Gross NPA down to 1.61%, net NPA 0.14%, credit cost 0.22%
- Net profit rose 14.71% to Rs.3,462 crore; operating profit up 46.58%
- NIM improved 8 bps y-y; domestic NIM +1 bps q-q; ROE 19.66%
- Corporate credit pipeline Rs.63,000 crore; digital business grew 18% y-y
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