Balance Sheet Indian Bank

Equities

INDIANB

INE562A01011

Banks

Market Closed - NSE India S.E. Other stock markets 12:05:08 21/05/2026 BST			5-day change	1st Jan Change
818.95 ^INR	+1.08%		+0.61%	-2.19%

05-18	India directs state-run banks, insurance firms to cut costs, shift to EVs	RE
05-13	Four Indian stocks added, four excluded from key global index in MSCI's May rejig	RE

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Published financial data: INDIAN BANK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	391B	389B	450B	556B	620B
Interest Income, Total	391B	389B	450B	556B	620B
Interest On Deposits	234B	221B	247B	323B	368B
Interest Expense, Total	234B	221B	247B	323B	368B
Net Interest Income	157B	167B	203B	233B	252B
Gain (Loss) on Sale of Assets	-4.2M	30.5M	1.7M	-19.1M	17M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	21.26B	12.92B	2.96B	13.17B	10.53B
Total Other Non Interest Income	44.15B	61.12B	75.08B	72.67B	89.56B
Non Interest Income, Total	65.4B	74.06B	78.04B	85.82B	100B
Revenues Before Provison For Loan Losses	222B	241B	281B	319B	352B
Provision For Loan Losses	85.04B	95.32B	93.84B	59.21B	42.38B
Total Revenues	137B	146B	187B	260B	310B
Salaries And Other Employee Benefits	64.12B	67.38B	75.79B	93.2B	99.75B
Occupancy Expense	14.5B	14.63B	13.54B	14.24B	8.17B
Selling General & Admin Expenses, Total	2.78B	2.96B	3.7B	3.05B	10.47B
(Income) Loss on Equity Invest.	-1.35B	-1.5B	-2.43B	-2.93B	-2.7B
Total Other Non Interest Expense	26.49B	28.56B	34.23B	39.04B	42.85B
Non Interest Expense, Total	107B	112B	125B	147B	159B
EBT, Excl. Unusual Items	30.51B	34.04B	62.06B	113B	151B
EBT, Incl. Unusual Items	30.51B	34.04B	62.06B	113B	151B
Income Tax Expense	-991M	-7.41B	6.33B	28.88B	38.69B
Earnings From Continuing Operations	31.51B	41.44B	55.74B	84.23B	113B
Net Income to Company	31.51B	41.44B	55.74B	84.23B	113B
Minority Interest	-14.3M	-23.8M	-12.1M	-31.1M	-29.2M
Net Income - (IS)	31.49B	41.42B	55.72B	84.19B	113B
Net Income to Common Incl Extra Items	31.49B	41.42B	55.72B	84.19B	113B
Net Income to Common Excl. Extra Items	31.49B	41.42B	55.72B	84.19B	113B
Per Share Items
Net EPS - Basic	27.88	33.99	44.74	66.03	83.61
Basic EPS - Continuing Operations	27.88	33.99	44.74	66.03	83.61
Basic Weighted Average Shares Outstanding	1.13B	1.22B	1.25B	1.28B	1.35B
Net EPS - Diluted	27.88	33.99	44.74	66.03	83.61
Diluted EPS - Continuing Operations	27.88	33.99	44.74	66.03	83.61
Diluted Weighted Average Shares Outstanding	1.13B	1.22B	1.25B	1.28B	1.35B
Normalized Basic EPS	16.87	17.44	31.14	55.42	70.2
Normalized Diluted EPS	16.87	17.44	31.14	55.42	70.2
Dividend Per Share	2	6.5	8.6	12	16.25
Payout Ratio	20.07	24.91	27.7	21.44	20.1
Supplemental Items
Effective Tax Rate - (Ratio)	-3.25	-21.76	10.19	25.54	25.56
Normalized Net Income	19.06B	21.25B	38.78B	70.66B	94.55B
Non-Cash Pension Expense	15.5B	17.79B	18.89B	13.48B	16.48B

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	282B	579B	235B	110B	302B
Investment Securities, Total	1,783B	1,765B	1,884B	2,152B	2,284B
Total investments	1,783B	1,765B	1,884B	2,152B	2,284B
Gross Loans	3,640B	3,892B	4,493B	5,149B	5,711B
Net Loans	3,640B	3,892B	4,493B	5,149B	5,711B
Gross Property Plant And Equipment	121B	129B	132B	137B	155B
Accumulated Depreciation	-46.95B	-52.14B	-56.7B	-61.35B	-66.19B
Net Property Plant And Equipment	73.93B	76.99B	74.81B	75.4B	88.57B
Accrued Interest Receivable	28.02B	30B	34.44B	42.86B	47.62B
Restricted Cash	259B	221B	267B	311B	248B
Other Current Assets, Total	66.55B	64.41B	52.81B	29.37B	-
Deferred Tax Assets Long-Term (Collected)	28.51B	38.86B	44.45B	49.34B	51.01B
Other Real Estate Owned And Foreclosed	514M	514M	514M	514M	514M
Other Long-Term Assets, Total	120B	73.64B	47.55B	36.52B	38.13B
Total Assets	6,281B	6,741B	7,133B	7,957B	8,770B
Liabilities
Interest Bearing Deposits	5,057B	5,569B	5,853B	6,490B	6,975B
Non-Interest Bearing Deposits	323B	367B	359B	390B	396B
Total Deposits	5,380B	5,936B	6,211B	6,880B	7,371B
Current Portion of Long-Term Debt	136B	-	-	-	-
Long-Term Debt	126B	172B	221B	231B	416B
Accrued Interest Payable	10.42B	9.94B	14.8B	18.46B	17.77B
Other Current Liabilities - (Bank / Utility Template)	90.51B	15.85B	18.42B	16.64B	19.95B
Other Non Current Liabilities	143B	158B	173B	208B	231B
Total Liabilities	5,886B	6,291B	6,638B	7,354B	8,055B
Common Stock, Total	11.29B	12.45B	12.45B	13.47B	13.47B
Additional Paid In Capital	8.58B	23.92B	23.92B	62.9B	62.9B
Retained Earnings	251B	284B	329B	392B	481B
Comprehensive Income and Other	124B	129B	129B	134B	158B
Total Common Equity	395B	450B	495B	602B	715B
Minority Interest	226M	250M	262M	293M	322M
Total Equity	395B	450B	495B	603B	715B
Total Liabilities And Equity	6,281B	6,741B	7,133B	7,957B	8,770B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.13B	1.25B	1.25B	1.35B	1.35B
ECS Total Common Shares Outstanding	1.13B	1.25B	1.25B	1.35B	1.35B
Book Value / Share	349.38	360.93	397.5	447.29	530.92
Tangible Book Value	395B	450B	495B	602B	715B
Tangible Book Value Per Share	349.38	360.93	397.5	447.29	530.92
Average Assets	5,965B	-	-	-	-
Average Loans	3,685B	-	-	-	-
Total Debt	262B	172B	221B	231B	416B
Deposits at Interest - Cash	249B	554B	215B	89.69B	271B
Debt Equivalent of Unfunded Proj. Benefit Obligation	12.87B	16.4B	18.64B	23.57B	26.31B
Net Debt	-20.1B	-407B	-14.54B	121B	114B
Equity Method Investments, Total	8.62B	10.12B	12.6B	15.48B	18.18B
Full Time Employees	42.6K	39.73K	41.7K	40.25K	40.07K
Number Of Offices	6.01K	5.74K	5.79K	5.85K	5.9K

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	31.49B	41.42B	55.72B	84.19B	113B
Depreciation, Depletion & Amortization	6.37B	6.01B	5.32B	5.31B	5.43B
Total Depreciation, Depletion & Amortization	6.37B	6.01B	5.32B	5.31B	5.43B
(Gain) Loss On Sale of Asset - (CF)	4.2M	-30.5M	-1.6M	19.1M	-17M
(Gain) Loss on Sale of Investments - (CF)	-	4.54B	4.92B	-3.78B	-2.48B
Provision for Credit Losses	-	94.08B	88.11B	55.89B	42.97B
Change in Other Net Operating Assets (Collected)	-453B	-414B	-724B	-926B	-521B
Other Operating Activities	90.3B	126M	15.23B	29.75B	45.01B
Cash from Operations	-325B	-268B	-554B	-754B	-317B
Capital Expenditure	-5.6B	-3.23B	-3.34B	-6.27B	-5.4B
Sale of Property, Plant, and Equipment	156M	184M	204M	88.7M	1.92B
Other Investing Activities, Total	-	-	-	-	-
Cash from Investing	-5.45B	-3.05B	-3.14B	-6.18B	-3.48B
Long-Term Debt Issued, Total	40B	-	-	-	-
Total Debt Issued	40B	-	-	-	-
Long-Term Debt Repaid, Total	-15B	-6B	-	-10B	-20B
Total Debt Repaid	-15B	-6B	-	-10B	-20B
Issuance of Common Stock	-	16.5B	-	40B	-
Common Dividends Paid	-6.32B	-10.32B	-15.43B	-18.05B	-22.64B
Common & Preferred Stock Dividends Paid	-6.32B	-10.32B	-15.43B	-18.05B	-22.64B
Net Increase (Decrease) in Deposit Accounts - (CF)	495B	555B	276B	668B	491B
Other Financing Activities, Total	-25.1M	-	-	-	-
Cash from Financing	514B	556B	260B	680B	449B
Foreign Exchange Rate Adjustments	-	-	-	-	-
Miscellaneous Cash Flow Adjustments	218B	-	-	100K	-
Net Change in Cash	402B	285B	-298B	-80.4B	128B
Supplemental Items
Cash Income Tax Paid (Refund)	197M	122M	136M	8.9B	260M
Net Debt Issued / Repaid	25B	-6B	-	-10B	-20B

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.67	0.64	0.8	1.12	1.35
Return On Equity %	10.12	9.81	11.79	15.34	17.09
Return on Common Equity	10.12	9.81	11.8	15.34	17.09
Shareholders Value Added	-5.84B	-9.23B	-952M	18.34B	33.56B
Margin Analysis
SG&A Margin	64.37	63.26	54.13	45.91	41.21
Net Interest Income / Total Revenues %	114.32	114.55	108.45	89.75	81.37
EBT Excl. Non-Recurring Items Margin %	22.26	23.3	33.21	43.55	48.84
Income From Continuing Operations Margin %	22.99	28.37	29.82	32.43	36.35
Net Income Margin %	22.98	28.36	29.82	32.42	36.34
Net Avail. For Common Margin %	22.98	28.36	29.82	32.42	36.34
Normalized Net Income Margin	13.9	14.55	20.75	27.21	30.51
Asset quality
Nonperforming Loans / Total Loans %	10.56	9.05	6.27	4.1	3.18
Nonperforming Loans / Total Assets %	6.12	5.22	3.95	2.65	2.07
Nonperforming Assets / Total Assets %	6.12	5.23	3.96	2.66	2.08
NPAs / Loans and OREO	10.56	9.06	6.28	4.11	3.19
NPAs / Equity	97.4	78.41	56.99	35.1	25.48
Net Charge-offs / Total Average Loans %	2.09	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	110.51	157.96	293.96	182.41	334.39
Earning Assets / IBL	105.16	-	-	-	-
Interest Income / Average Assets	6.56	-	-	-	-
Interest Expense / Average Assets	3.93	-	-	-	-
Net Interest Income / Average Assets	2.63	-	-	-	-
Non Interest Income / Average Assets	1.1	-	-	-	-
Non Interest Expense / Average Asset	1.79	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.63	6.49	6.81	7.27	7.88
Total Average Equity / Total Average Assets %	6.64	6.5	6.81	7.28	7.88
Total Equity + Allowance for Loan Losses / Total Loans %	10.84	11.55	11.02	11.7	12.52
Gross Loans / Total Deposits %	67.66	65.57	72.34	74.84	77.48
Net Loans / Total Deposits %	67.66	65.57	72.34	74.84	77.48
Tier 1 Capital Ratio %	10.06	13.48	13.48	14.03	15.85
Total Capital Ratio %	13.84	16.84	16.49	16.44	17.94
Core Tier 1 Capital Ratio	9.4	12.84	12.89	13.52	15.36
Tier 2 Capital Ratio	3.78	3.36	3.01	2.41	2.09
Interbank Ratio	554.89	1.08K	389.19	156.68	193.62
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.13	1.15	1.25	1.35	1.41
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	106.07	6.78	20.94	15	8.17
Non Interest Income, 1 Yr. Growth %	96.68	21.19	5.76	9.96	16.66
Provision For Loan Losses, 1 Yr. Growth %	66.12	18.05	-1.55	-36.91	-28.42
Total Revenues, 1 Yr. Growth %	135.9	6.57	27.94	38.97	19.32
Earnings From Cont. Operations, 1 Yr. Growth %	265.48	31.54	34.49	51.12	33.74
Net Income, 1 Yr. Growth %	265.61	31.52	34.54	51.09	33.76
Normalized Net Income, 1 Yr. Growth %	105.99	11.5	82.49	82.22	33.81
Diluted EPS Before Extra, 1 Yr. Growth %	70.21	21.92	31.63	47.58	26.62
Dividend Per Share, 1 Yr. Growth %	-	225	32.31	39.53	35.42
Gross Loans, 1 Yr. Growth %	83.95	7.31	15.44	14.6	10.91
Net Loans, 1 Yr. Growth %	83.95	7.31	15.44	14.6	10.91
Non Performing Loans, 1 Yr. Growth %	171.75	-8.43	-19.98	-25.1	-13.87
Non Performing Assets, 1 Yr. Growth %	171.75	-8.42	-19.95	-25.05	-13.84
Total Assets, 1 Yr. Growth %	102.53	7.76	5.82	11.55	10.22
Total Deposits, 1 Yr Growth %	106.79	10.32	4.64	10.76	7.14
Tangible Book Value, 1 Yr. Growth %	73.31	13.92	10.13	21.7	18.7
Average Interest Earning Assets, 1 Yr. Growth %	109.65	-	-	-	-
Average Interest Bearing Liabilities, 1 Yr. Growth %	103.34	-	-	-	-
Common Equity, 1 Yr. Growth %	73.31	13.92	10.13	21.7	18.7
Total Equity, 1 Yr. Growth %	73.25	13.92	10.13	21.69	18.69
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	49.45	48.34	13.73	17.93	11.53
Non Interest Income, 2 Yr. CAGR %	85.96	49.24	13.01	7.84	13.26
Provision For Loan Losses, 2 Yr. CAGR %	36.04	36.46	7.8	-21.19	-32.8
Total Revenues, 2 Yr. CAGR %	78.29	58.56	16.77	33.34	28.77
Earnings From Cont. Operations, 2 Yr. CAGR %	187.67	119.26	33.01	42.56	42.16
Net Income, 2 Yr. CAGR %	187.83	119.28	33.02	42.58	42.16
Normalized Net Income, 2 Yr. CAGR %	198.58	51.55	42.64	82.36	56.15
Diluted EPS Before Extra, 2 Yr. CAGR %	87.69	44.05	26.68	39.38	36.7
Dividend Per Share, 2 Yr. CAGR %	-	-	107.36	35.87	37.46
Gross Loans, 2 Yr. CAGR %	41.71	40.24	11.3	15.02	12.74
Net Loans, 2 Yr. CAGR %	41.71	40.24	11.3	15.02	12.74
Non Performing Loans, 2 Yr. CAGR %	69.7	57.75	-14.4	-22.58	-19.68
Non Performing Assets, 2 Yr. CAGR %	69.7	57.86	-14.38	-22.54	-19.64
Total Assets, 2 Yr. CAGR %	49.67	47.43	6.79	8.65	10.88
Total Deposits, 2 Yr CAGR %	49.09	51.04	7.44	7.66	8.94
Tangible Book Value, 2 Yr. CAGR %	41.47	40.51	12.01	15.77	20.19
Average Interest Earning Assets, 2 Yr. CAGR %	53.16	-	-	-	-
Average Interest Bearing Liabilities, 2 Yr. CAGR %	52.11	-	-	-	-
Common Equity, 2 Yr. CAGR %	41.47	40.51	12.01	15.77	20.19
Total Equity, 2 Yr. CAGR %	41.44	40.49	12.01	15.77	20.18
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	35.75	33.61	38.65	14.15	14.58
Non Interest Income, 3 Yr. CAGR %	39.36	57.62	32.89	11.98	10.7
Provision For Loan Losses, 3 Yr. CAGR %	29.4	27.53	22.39	-9.83	-23.68
Total Revenues, 3 Yr. CAGR %	42.31	50.19	47.61	23.74	28.49
Earnings From Cont. Operations, 3 Yr. CAGR %	33.94	121.62	86.3	38.79	39.56
Net Income, 3 Yr. CAGR %	33.94	121.69	86.33	38.79	39.57
Normalized Net Income, 3 Yr. CAGR %	39.25	115.01	61.23	54.78	64.48
Diluted EPS Before Extra, 3 Yr. CAGR %	0.72	62.55	39.79	33.29	34.99
Dividend Per Share, 3 Yr. CAGR %	-	-	-	81.71	35.72
Gross Loans, 3 Yr. CAGR %	32.48	29.01	31.43	12.39	13.63
Net Loans, 3 Yr. CAGR %	32.48	29.01	31.43	12.39	13.63
Non Performing Loans, 3 Yr. CAGR %	47.47	38.16	25.81	-18.12	-19.78
Non Performing Assets, 3 Yr. CAGR %	47.47	38.22	25.89	-18.1	-19.74
Total Assets, 3 Yr. CAGR %	35.41	33.96	32	8.35	9.17
Total Deposits, 3 Yr CAGR %	37.21	34.85	33.65	8.54	7.49
Tangible Book Value, 3 Yr. CAGR %	28.23	31.62	29.55	15.15	16.74
Common Equity, 3 Yr. CAGR %	28.23	31.62	29.55	15.15	16.74
Total Equity, 3 Yr. CAGR %	28.21	31.6	29.54	15.15	16.73
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	28.64	26.59	26.47	27.14	27.09
Non Interest Income, 5 Yr. CAGR %	29.6	27.22	26.42	35.32	24.66
Provision For Loan Losses, 5 Yr. CAGR %	32.56	33.58	19.05	5.2	-3.71
Total Revenues, 5 Yr. CAGR %	26.93	23.28	31.48	43.21	39.76
Earnings From Cont. Operations, 5 Yr. CAGR %	33.17	23.29	33.56	85.77	67.2
Net Income, 5 Yr. CAGR %	33.19	23.31	33.57	85.81	67.22
Normalized Net Income, 5 Yr. CAGR %	25.11	13.5	40.59	101.3	59.18
Diluted EPS Before Extra, 5 Yr. CAGR %	12.25	2.36	10.4	52.85	38.54
Dividend Per Share, 5 Yr. CAGR %	5.92	1.61	-	-	-
Gross Loans, 5 Yr. CAGR %	23.05	24.96	23.47	23.22	23.61
Net Loans, 5 Yr. CAGR %	23.05	24.96	23.47	23.22	23.61
Non Performing Loans, 5 Yr. CAGR %	34.22	28.98	18.64	9.59	5.14
Non Performing Assets, 5 Yr. CAGR %	34.22	29.02	18.68	9.64	5.2
Total Assets, 5 Yr. CAGR %	25.23	25.27	23.04	23.2	23.11
Total Deposits, 5 Yr CAGR %	24.72	26.61	24.43	23.24	23.15
Tangible Book Value, 5 Yr. CAGR %	19.06	20.86	21.48	25.03	25.72
Common Equity, 5 Yr. CAGR %	19.06	20.86	21.48	25.03	25.72
Total Equity, 5 Yr. CAGR %	19.05	20.84	21.46	25.02	25.71