Indian Bank's Q1 FY 2025-26 Quarter Results
- 25 Jul 2025
Result Summary
- Indian Bank reported a 10.8% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Jun (Q1 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 10.4%.
- Its expenses for the quarter were up by 10.8% QoQ and 12.1% YoY.
- The net profit decreased 0.8% QoQ and decreased 11.4% YoY.
- The earnings per share (EPS) of Indian Bank stood at 16.9 during Q1 FY 2025-26.
Financial Statments for Q1 FY 2025-26
| (₹ crores) | Q1FY26 | Q4FY25 | Q1FY25 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 18905.60 | 17065.49 | 17117.76 | 10.8% | 10.4% |
Total Expenses | 14113.22 | 12736.51 | 12593.72 | 10.8% | 12.1% |
Provisions & contingencies | 691.02 | 1250.78 | 1261.11 | -44.8% | -45.2% |
Profit Before Tax | 3334.77 | 3078.20 | 3262.93 | 8.3% | 2.2% |
Tax | 1116.26 | 817.89 | 845.63 | 36.5% | 32.0% |
Profit After Tax | 2277.08 | 2296.47 | 2571.37 | -0.8% | -11.4% |
Earnings Per Share | 16.90 | 17.00 | 19.10 | -0.6% | -11.5% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
Indian Bank is a major public sector bank in India, providing a wide range of banking and financial services. Its offerings include personal banking, corporate banking, agricultural banking, international banking, and treasury services. The bank operates through a vast network of branches and ATMs across the country, catering to diverse customer segments. As of the last update, Indian Bank has not disclosed any recent major developments. Information regarding any new initiatives or strategic shifts in the company's focus is not available at this time.
Revenue
In the first quarter of the fiscal year 2026 (Q1FY26), Indian Bank reported a total income of ₹18,905.60 crores. This represents a quarter-over-quarter (QoQ) increase of 10.8% compared to ₹17,065.49 crores in Q4FY25, and a year-over-year (YoY) increase of 10.4% from ₹17,117.76 crores in Q1FY25. This growth in total income is indicative of the bank's ability to generate revenue through its various banking and financial services. The increase in total income can be attributed to improved interest income or enhanced fee-based activities, typical of banking institutions, though specific details are not provided.
Profitability
For Q1FY26, Indian Bank's profit before tax (PBT) was reported at ₹3,334.77 crores, reflecting an 8.3% QoQ increase from ₹3,078.20 crores in Q4FY25, and a 2.2% YoY increase from ₹3,262.93 crores in Q1FY25. Despite the increase in PBT, the profit after tax (PAT) was ₹2,277.08 crores, showing a slight decrease of 0.8% QoQ from ₹2,296.47 crores and a more significant decrease of 11.4% YoY from ₹2,571.37 crores. The effective tax rate appears to have increased, as indicated by a 36.5% QoQ and 32.0% YoY increase in tax expenses. The earnings per share (EPS) for Q1FY26 was ₹16.90, slightly down by 0.6% QoQ and 11.5% YoY, reflecting the impact on shareholders' returns.
Operating Metrics
Indian Bank's total expenses for Q1FY26 were ₹14,113.22 crores, marking a 10.8% QoQ rise from ₹12,736.51 crores in Q4FY25 and a 12.1% YoY increase from ₹12,593.72 crores. A notable aspect of the financial data is the significant reduction in provisions and contingencies, which fell by 44.8% QoQ and 45.2% YoY. This reduction suggests a lower requirement for provisioning, which may be attributed to improved asset quality or recovery in non-performing assets. The bank's operations are reflected in these metrics, although precise factors contributing to these changes are not detailed in the available data.