'Indian Bank conducted a conference call on 22 January 2026 to discuss its financial results for the quarter ended December 2025. Binod Kumar, MD&CEO of the bank addressed the call:
Highlights:
The bank has recorded 13% growth in business volume with 13% growth in deposits. The CASA deposits improved 10% at end December 2025. The bulk deposits of the bank have remained stable at December 2025 similar to September 2025.
Advances increased by 14% driven by 17% growth in retail, agriculture and MSME loan book, while the corporate advances also increased by 8% at end December 2025 over December 2024.
The domestic NIM has improved on sequential basis to 3.4% from 3.34%.
The bank is well capitalized with a capital adequacy ratio of 16.52% at end December 2025. The Tier I bonds of Rs 2000 crore have retired, the bank has not gone for replacing these bonds as it is well capitalized.
The fresh slippages of loans were at Rs 997 crore and recove...
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