Indian Bank's Q4FY25 Quarter Results
- 1d ago
Result Summary
- Indian Bank reported a 6.1% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 18.4%.
- Its expenses for the quarter were down by 4.9% QoQ and up 22.7% YoY.
- The net profit decreased 21.1% QoQ and increased 51.1% YoY.
- The earnings per share (EPS) of Indian Bank stood at 17 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 17065.49 | 18167.54 | 14415.98 | -6.1% | 18.4% |
Total Expenses | 12736.51 | 13387.28 | 10376.39 | -4.9% | 22.7% |
Provisions & contingencies | 1250.78 | 1059.61 | 2562.20 | 18.0% | -51.2% |
Profit Before Tax | 3078.20 | 3720.65 | 1477.39 | -17.3% | 108.4% |
Tax | 817.89 | 844.50 | 15.37 | -3.2% | 5221.3% |
Profit After Tax | 2296.47 | 2910.18 | 1519.82 | -21.1% | 51.1% |
Earnings Per Share | 17.00 | 21.60 | 12.20 | -21.3% | 39.3% |
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 banking and financial services. As a government-owned entity, it provides retail banking, corporate banking, and other financial services to individuals, businesses, and the government. The bank's products include savings and current accounts, loans, credit products, and investment services. Although the company has a strong presence in India, its recent developments and other specific strategic initiatives are not available in the provided data. As with many public sector banks, Indian Bank plays a crucial role in the Indian financial ecosystem.
Revenue
For the fourth quarter of the fiscal year 2025 (Q4FY25), Indian Bank recorded a total income of ₹17,065.49 crores, which shows a decrease of 6.1% from the preceding quarter (Q3FY25) where the total income was ₹18,167.54 crores. However, compared to the same quarter in the previous fiscal year (Q4FY24), the total income increased by 18.4% from ₹14,415.98 crores. This indicates a significant year-over-year growth in total income. The quarter-over-quarter decline in total income could be attributed to various operational or market factors affecting the banking sector, though specific causes are not detailed in the data provided.
Profitability
The profit metrics for Indian Bank in Q4FY25 show a mixed performance. The profit before tax (PBT) was ₹3,078.20 crores, which is a 17.3% decline from ₹3,720.65 crores in Q3FY25, but a significant increase of 108.4% from ₹1,477.39 crores in Q4FY24. The profit after tax (PAT) for Q4FY25 was reported at ₹2,296.47 crores, marking a decrease of 21.1% compared to the previous quarter's ₹2,910.18 crores. However, the PAT was up by 51.1% from ₹1,519.82 crores in Q4FY24. The tax expense for the quarter was ₹817.89 crores, reflecting a slight quarter-over-quarter decrease of 3.2%, while the year-over-year increase was notably high, at 5,221.3%. These figures highlight a substantial improvement in profitability compared to the previous year, despite a decline from the last quarter.
Operating Metrics
Analyzing the operating metrics, total expenses in Q4FY25 were ₹12,736.51 crores, marking a 4.9% decrease from Q3FY25's ₹13,387.28 crores, but an increase of 22.7% from ₹10,376.39 crores in Q4FY24. Provisions and contingencies stood at ₹1,250.78 crores for Q4FY25, which is an 18.0% increase from ₹1,059.61 crores in the previous quarter. However, this metric shows a substantial decrease of 51.2% from ₹2,562.20 crores in Q4FY24, suggesting a reduction in the provisioning needs relative to the previous year. Earnings per share (EPS) for Q4FY25 was ₹17.00, down 21.3% from ₹21.60 in Q3FY25, yet up 39.3% from ₹12.20 in Q4FY24, reflecting a positive year-over-year trend in shareholder returns. The data indicates fluctuating operating metrics with a tendency towards improved efficiency over the year.
