Indian Bank's Q2 FY 2025-26 Quarterly Results

Result Summary

• Indian Bank reported a 1.9% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Sep (Q2 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 7.2%.
• Its expenses for the quarter were up by 2.1% QoQ and 9.2% YoY.
• The net profit increased 36.5% QoQ and increased 11.0% YoY.
• The earnings per share (EPS) of Indian Bank stood at 23.07 during Q2 FY 2025-26.

Financial Statments for Q2 FY 2025-26

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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 prominent public sector bank in India, offering a wide range of financial products and services, including personal banking, corporate banking, NRI services, and agricultural banking. Established with a strong network of branches across the nation, Indian Bank plays a vital role in the financial sector, catering to diverse customer needs. The bank's offerings include savings accounts, fixed deposits, loans, credit cards, and investment services. As of the latest updates, Indian Bank has been focusing on enhancing digital banking services and expanding its reach to improve customer experience and operational efficiency. Any recent major developments specific to the company beyond this period are not available in the provided data set.

Revenue

For the second quarter of fiscal year 2026 (Q2FY26), Indian Bank reported a total income of ₹19,271.09 crores. This marks an increase of 1.9% on a quarter-over-quarter (QoQ) basis from ₹18,905.60 crores in Q1FY26. Comparing year-over-year (YoY), there was a 7.2% rise from ₹17,971.22 crores reported in Q2FY25. The data indicates a consistent upward trend in total income over the periods compared. The revenue figures suggest ongoing growth in the bank's income streams, reflecting its position in the market during the periods under consideration.

Profitability

Indian Bank's profitability metrics for Q2FY26 show significant growth. The Profit Before Tax (PBT) was recorded at ₹4,122.99 crores, a substantial increase of 23.6% QoQ from ₹3,334.77 crores in Q1FY26 and a 12.2% YoY increase from ₹3,673.99 crores in Q2FY25. The Profit After Tax (PAT) for Q2FY26 was ₹3,108.63 crores, reflecting a robust 36.5% QoQ growth from ₹2,277.08 crores in Q1FY26 and an 11.0% YoY rise from ₹2,800.81 crores in Q2FY25. The tax expense for the quarter decreased by 3.0% QoQ but showed a 15.9% increase YoY. Earnings Per Share (EPS) for Q2FY26 was ₹23.07, also showing a 36.5% QoQ and 11.0% YoY growth. These figures demonstrate the bank's improved profitability over the analyzed periods.

Operating Metrics

For Q2FY26, Indian Bank's total expenses were ₹14,409.59 crores, reflecting a 2.1% increase QoQ from ₹14,113.22 crores in Q1FY26 and a 9.2% rise YoY from ₹13,198.16 crores in Q2FY25. Provisions and contingencies for the quarter amounted to ₹738.51 crores, which increased by 6.9% QoQ from ₹691.02 crores in Q1FY26 but decreased by 32.8% YoY from ₹1,099.07 crores in Q2FY25. The changes in provisions and expenses indicate adjustments made by the bank in response to its operational requirements and external economic factors during the analyzed periods. These operational figures provide insight into the bank's cost management and risk provisioning strategies over the quarters.