Investor Presentation

INVESTOR SERVICES CELL Ref. No.: ISC/135/2026-27 Date: 10.07.2026 The Vice President The Vice President National Stock Exchange of India Ltd. BSE Ltd. Exchange Plaza,Bandra- Kurla Complex 25, P. J. Towers Bandra East, Mumbai-400 051 Dalal Street, Mumbai-400001 NSE Symbol: INDIANB BSE Scrip Code- 532814 Dear Sir/ Madam, Subject: Presentation on Unaudited (Reviewed) Financial Results of the Bank for the First Quarter of FY 2026-27 ended on June 30, 2026 In terms of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we are enclosing a copy of Presentation on Unaudited (Reviewed) Financial Results of the Bank for the First Quarter of FY 2026-27 ended on June 30, 2026. This is for your information, record and dissemination please. Yours faithfully, For Indian Bank AGM & Company Secretary Encl: a/a Corporate Office: 254-260, Avvai Shanmugam Salai, Royapettah, Chennai – 600 014 फोि Phone: 044-2813 4484/4698, ई-मेल Email: investors@indianbank.bank.in Performance Analysis Q1FY27 IB Digital Rupee FCNR (B) – Wealth (CBDC) Ind MSME Digi Contents Page Performance Highlights 3 Business Snapshot 6 Financials 14 Capital & Risk Management 24 Asset Quality 27 Financial Inclusion 32 Digital Banking & Business Network 34 ESG, Group Entities & Awards 41 2/48 Performance Highlights Q1FY27 (YoY) Balance Capital & Risk Shareholding Asset Performance Business Investment Financials Sheet Management & Ratings Quality Highlights Q1FY27 Business Deposits Advances CASA CD Ratio ₹ 15.29 lakh Cr 13.66% Business (YoY) RAM Retail Agriculture MSME Corporate GNPA NNPA PCR Asset Quality CoD YoA YoI NIM (Domestic) RoA Benchmark Ratios 4/48 7 l a 4 . 8 . 8 0 : 3 4 ₹ 8 . 4 4 l a k h C 1 3 . 4 7 % ₹ 1 4 6 8 2 7 C r 1 8 .7 4 % 1 . 8 6 % Y o Y : 1 1 5 b p s Q o Q : 1 2 b p s 8 . 0 9 % Y o Y : 4 9 b p s Q o Q : 2 b p s 5 la k h 3 .8 9 % 5 8 5 1 2 9 . 9 6 % . 1 5 % : 3 b p A S A : 1 5 . 3 0 S B : 1 3 . 5 4 % C A : 2 6 . 3 3 % 1 1 1 6 5 3 C r 1 7 .0 3 % 9 8 .2 2 % Y o Y : 2 b p s Q o Q : 6 b p s 1 .4 3.41% YoY: 6 bps QoQ: 6 bps .9 6 b p s 1.31% YoY: 3 bps QoQ: 3 bps Net Interest Operating Profit Profit Before Taxes Net Profit RoE Income ₹ 5557 Cr ₹ 4361 Cr ₹ 3273 Cr 19.48% ₹ 7435 Cr YoY: 17% YoY: 6.9% YoY: 10% YoY: 78 bps YoY: 17% QoQ: 5% QoQ: 5% QoQ: 7.4% QoQ: 5% QoQ: 50 bps Balance Capital & Risk Shareholding Asset Performance Business Investment Financials Sheet Management & Ratings Quality Highlights Business Highlights (QoQ) ₹ lakhCr Business Profit ₹in Cr Business Deposits Advances Operating Profit Net Profit 5557 5286 14.95 15.29 5024 13.97 14.30 4770 4837 13.45 3273 7.44 7.77 7.91 8.28 8.44 2973 3018 3061 3103 6.01 6.20 6.39 6.67 6.85 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 5/48 -2 5 n t e r e s t I 6 8 9 6 D e c -2 5 n c o r -2 6 in C - 2 6 r CRAR (%) 17.93 17.80 17.58 17.31 16.58 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 ₹ lakhCr RAM Share (%) out of Domestic Asset Quality (%) Provision Coverage Ratio (%) Advances 4.17 GNPA NNPA PCR (incl TWO) PCR (Excl TWO) 4.04 66.06 66.00 3.01 3.90 65.34 65.50 65.45 98.20 98.28 98.28 98.28 98.22 3.76 2.60 3.63 2.23 1.98 1.86 94.27 93.91 93.22 92.68 92.21 0.18 0.16 0.15 0.15 0.15 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Business Snapshot Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Business Snapshot ₹ in Cr Domestic Deposits Sl No Parameter 30.06.2025 31.03.2026 30.06.2026 QoQ (%) YoY (%) Domestic 709750 789283 803163 1 Deposits 744289 827726 844578 2.04 13.47 Deposits Domestic 709750 789283 803163 1.76 13.16 Domestic 276564 313092 319066 CASA Overseas 34539 38443 41415 7.73 19.91 Current 44087 47853 account 37699 Deposits breakup 269005 271213 238865 Savings Current Bank 38177 44450 48229 8.50 26.33 Term Savings 238939 269098 271296 0.82 13.54 Deposits 433186 476191 484097 CASA 277116 313548 319525 1.91 15.30 CASA % (Domestic) 38.97% 39.67% 39.73% 30.06.2025 31.03.2026 30.06.2026 Term Deposits 467173 514178 525053 2.12 12.39 Domestic CASA % 2 Advances 601147 667113 684623 2.62 13.89 48.00 140.00 46.00 120.00 Domestic 555881 617485 631790 2.32 13.66 44.00 100.00 4C2.A00SA 39.67 39.73 38.97 Overseas 45266 49628 52833 6.46 16.72 40.00 80.00 38.S00B 60.00 CD Ratio % 36.00 33.65 34.08 33.77 80.77% 80.60% 81.06% 40.00 34.00 CA 5.32 5.59 5.96 20.00 32.00 3 Business 1345436 1494839 1529201 2.30 13.66 30.00 0.00 Domestic 1265631 1406768 1434953 2.00 13.38 Jun-25 Mar-26 Jun-26 Overseas 79805 88071 94248 7.01 18.10 7/48 Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Advances (Domestic) ₹ in Cr 30.06.2026 8/48 G r o T o t a R A M s s A d e t a i l g r i c u S M E l ( R A M % t o o r p o l t u A d v a n c e s 3 0 . 0 6 . 2 5 . 3 3 1 . 0 3 0 . 0 u t o e r s e w e t h e R e t a il e L o a n ( In c l.M o r t g a L o a n o n a l L o a n l L o a n N o n P r io r it y r R e t a il L o a nR e t a il g e lo a n s ) 3 0 .0 .2 0 2 6 2 2 2 3 7 7 0 8 2 0 0 5 9 5 3 6 5 3 1 .0 .2 0 2 4 4 5 6 1 5 6 5 0 8 5 2 5 7 6 1 3 9 3 0 .0 .2 0 2 6 4 0 6 4 0 6 1 7 1 2 8 6 5 4 6 8 2 (% ) 3 .3 6 2 .5 8 .8 7 ) 7 .2 3 3 .7 1 8 . 7 4 Corporate Credit RAM 416992 404126 363221 213359 214798 MSME 30.06.2025 31.03.2026 30.06.2026 YoY (%) 192660 Micro 52932 60618 61385 15.97 Small 29377 34808 34672 18.02 Medium 13095 14154 15596 19.10 MSME 95404 109580 111653 17.03 30.06.2025 31.03.2026 30.06.2026 o p L o a r i A llie A g r ic In v eg r ic u lt u r s t m eu l t u n tr 3 0 .0 .2 0 2 1 9 2 6 4 0 5 8 4 4 1 6 3 1 .0 .2 0 2 8 7 6 7 2 6 7 1 2 3 1 5 3 0 .0 .2 0 2 1 2 6 7 5 4 9 7 0 8 5 1 Y o Y (% ) 8 .3 5 6 .9 9 4 .4 0 9 . 9 6 Corporate Retail MSME Agriculture Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Priority Sector ₹ in Cr Surpassed all the mandatory targets stipulated by RBI under Priority Sector advances Position as on 30.06.2026 ₹466.52 Cr of IND MSME Digi loans disbursed to 1731 beneficiaries cumulatively till 30.06.26 9/48 S e g m e n t ( a s o n r i o r i t y S e c t o r g r i c u l t u r e m a l l a n d M a r g i n e a k e r S e c t i o n i c r o u n d e r M S M o n C o r p o r a t e f a e r s a r k B C ) 0 0 % . 0 0 % . 0 0 % . 0 0 % . 5 0 % . 0 0 % M a n d E x c L C ) . 3 6 1 . 4 0 . 1 3 . 3 1 . 5 0 . 6 ₹ in Cr ₹ in Cr Target Actual Achievement Target Actual (Q1FY27) (Q1FY27) Achievement ₹98 Cr of loans disbursed to ₹1295 Cr of loans disbursed to (Q1FY27) (Q1FY27) 23360 22794 98% 13825 beneficiaries cumulatively 8.06 lakh beneficiaries cumulatively (YoY 4%) 2000 2019 101% since inception since inception • No. of SHGs financed : 5.01 lakh • Disbursements (Q1FY27): ₹4044Cr • Women Beneficiaries: 54 lakh (Nos) Self Help Group MUDRA (including RRBs) PM Viswakarma PM SVANidhi Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Sector Deployment-Domestic Advances ₹ in Cr % share % share Sector 30.06.2025 to Gross 30.06.2026 to Gross Advances Advances Infrastructure 56752 10.21 76057 12.04 34.02 of which Power 24071 4.33 32444 5.14 34.78 Port and Road Project 10134 1.82 13300 2.11 31.24 Other infrastructure (incl. Data Centres) 22547 4.06 30313 4.80 34.44 Basic Metal 13555 2.44 14714 2.33 8.55 Textiles 8135 1.46 8755 1.39 7.62 Petroleum and Coal Products 7099 1.28 7248 1.15 2.10 All Engineering 6928 1.25 7652 1.21 10.45 Food Processing 12182 2.19 15974 2.53 31.13 Trade 27556 4.96 31624 5.01 14.76 Commercial Real Estate 16863 3.03 18912 2.99 12.15 Home Loans/Auto Loans/Other Retail 123657 22.25 146827 23.24 18.74 Agriculture 144160 25.93 158512 25.09 9.96 NBFC 56266 10.12 57182 9.05 1.63 Others (Other Industries/Sectors) 82728 14.88 88333 13.97 6.77 Total Domestic Advances 555881 100.00 631790 100.00 13.66 10/48 Perfo [Showing first 8,000 characters — download PDF for full document]