Indusind Bank Ltd — Q2FY27 earnings call summary
Filed 27 October 2026 · Official transcript
- Slippages expected to decline in H2 FY24; credit cost guidance 110-130 bps
- Cost-to-income ratio expected to improve to 41-43% over 3 years
- Net Interest Margin steady at 4.29%; cost of deposits rose 23 bps
- Credit cost reduced to 123 bps; restructured book down to 0.54%
- Q2 FY24 loan growth strong at 21% YoY, 5% QoQ; retail loans up 25% YoY
- Profit after Tax grew 22% YoY to Rs 2,202 Cr; ROA 1.90%, ROE 15.33%
- Retail asset quality improved; retail net slippages down to Rs 865 Cr
- Digital banking app INDIE launched with 1.8 mn downloads
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