Financial Results for the Quarter ended 30th June 2026

Total business increased by 13.66%, reflecting broad-based momentum.

Gross Advances increased13.89%, while Deposits rose 13.47% anchored by a robust CASA share of 39.73%

Net profit recorded a 10.09% YoY rise, reflecting efficiency and sustained growth

Share of Digital transactions stood at95%, highlighting the Bank’s technology-led customer engagement

Key Highlights (Quarter ended June 2026 over June 2025)

Asset quality remained resilient, with GNPA ratio reduced to 1.86%, driving consistent profitability

• Net Profit up by10.09% YoY at ₹3273 Cr in June 2026 from ₹2973 Cr in June 2025
• Operating Profit improved by 16.50% YoY to ₹5557Cr in June 2026 from ₹4770 Cr in June 2025
• Net Interest Income increased by 16.92% YoY to ₹7435 Cr in June 2026 from ₹6359 Cr in June 2025
• Domestic Net Interest Margin (NIM) improved to3.41% in June 2026 from 3.35% in June 2025
• Cost to Income Ratio reduced by 98 bps to 44.80% in June 2026
• Cost of Deposits (CoD) reduced by 34 bps to 4.80% in June 26 from 5.14% in June 2025
• Cost of Funds(CoF) reduced by 40 bps to 4.83% in June 2026 from 5.23% in June 2025
• Yield on Investments (YoI)stood at6.96% in June 2026
• Gross Advances increased by 13.89% YoY to ₹684623Crin June 2026 from ₹601147 Crin June 2025
• RAM (Retail, Agriculture & MSME) advances grew by 14.80% YoY to ₹416992Cr in June 2026 from ₹363221 Crin June 2025
• RAM contribution to gross domestic advances increased to 66.00%. Retail, Agri & MSME advances grew by 18.74%,9.96% and 17.03% YoY respectively. Home Loan (including mortgage) grew by 13.36% YoY
• Priority sector advances as a percentage of ANBC stood at 45.36% at ₹236720Crin June 2026 as against the regulatory requirement of 40%
• Total Deposits increased by 13.47% YoY and reached to ₹844578Crin June 2026 as against ₹744289 Cr in June 2025
• Domestic CASA ratioincreased to39.73% inJune 2026from 38.97%in June 2025
• CD ratio improved to81.06% in June 2026 as against 80.77% in June 2025

• GNPA decreased by 115 bps YoY to 1.86% in June 2026 from 3.01% inJune 2025,NNPA reduced by 3 bps to 0.15% inJune 2026from 0.18% in June 2025
• Provision Coverage Ratio (PCR, including TWO) improved by2bps YoY to98.22%in June 2026 from 98.20 % in June 2025
• Slippage Ratioreduced to 0.77% in June 2026 in comparison to 0.94% in June 2025
• Credit Cost improved by 5 bps YoY to 0.23% in June 2026 from 0.28% in June 2025

Key Highlights (Quarter ended June 2026 over March 2026)

Capital Adequacy Ratio stood at 17.58%. CET-I at 16.51% and Tier I Capital stood at 16.51% in June 2026

• Net Profit increased to ₹3273Crin June 2026 from ₹3103Cr in March 2026
• Domestic Net Interest Margin (NIM) increased to3.41% in June 2026 from 3.35% in March 2026
• Cost of Deposits(CoD)reduced by 3 bps to 4.80% in June 2026 from 4.83% in March 2026
• Cost of Funds (CoF) reduced by 5 bps to 4.83% in June 2026 from 4.88% in March 2026
• Return on Assets (RoA) up by 3 bps to 1.31% in June 2026 from 1.28% in March 2026
• Return on Equity (RoE) increased by50 bps to19.48% in June 2026 from18.98% in March 2026
• Yield on Advances (YoA)increased by 2 bps to8.09%in June 2026 from 8.07% in March 2026
• Credit Cost improved by 24 bps QoQ to 0.23% in June 2026 from 0.47% in March 2026
• Cost to Income ratio decreased by 19 bps to44.80% in June 2026 from 44.99% in March 2026
• Earnings Per Share (EPS) increased to ₹97.20 in June 2026 from ₹92.15 in March 2026
• Book Value per Share increased to ₹510.72 in June 2026 from ₹487.23 in March 2026
• GNPA decreased by 12 bpsQoQ to 1.86% in June 2026 from 1.98% inMarch 2026,NNPAsustained at0.15% inJune 2026

Network:

• The Bank has 6003 domestic branches (including 3 DBUs), out of which 2011 are Rural, 1606 are Semi-Urban, 1195 are Urban &1191 are in Metro category. The Bank has 3 overseas branches &1 IBU (Gift City Branch).
• The Bank has 5676 ATMs & BNAs and 17,314Business Correspondents (BCs).

Digital Banking:

• Business of ₹67,327Cr has been generated through Digital Channels during Q1FY27. A total of 158Digital Journeys, Utilities and Processes have been launched so far.
• Number of Mobile Banking users has grown by 22% YoY, reaching 2.48 Cr.
• UPI users and Net Banking users have witnessed an increase of 21% &3% YoY reaching 2.77 Cr and 1.19 Cr respectively. Fastag& POS users increased by 79% & 40% respectively.

Awards & Accolades:

• The Bank was declared winner of the “Best PSB Award 2024-25” by Financial Express.
• The MD & CEO of the Bank received “CEO of the Year” award at Tamil Nadu Business Leader of the Year, 2025.
• The Bank was declared the winner of the “Golden Peacock Award for Excellence in Artificial Intelligence” for the year 2026.
• The Bank received prestigious SKOCH Golden Award for “IB SAATHI” and Silver Award for “Security Operations”.
• Indian Bank has been awarded the APY Annual Award of Excellence for achieving 104% of APY target in FY26.
• The Bank received “Best Data Quality Award” by CIBIL.
• Indian Bank has been awarded for “Excellence in Credit Capability Development” by IIBF.