Investor Presentation

INVESTOR SERVICES CELL Ref. No.: ISC/407/2026-27 Date: 15.10.2026 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 Second Quarter and Half Year of FY 2026-27 ended on September 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 Second Quarter and Half Year of FY 2026-27 ended on September 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 IB Gen X Supply Chain Performance She-bike Finance Analysis Q2/H1 FY27 IND Niryat Grow e-comm Page Performance Highlights 3 Business Snapshot 6 Financials 14 Contents Capital & Risk Management 24 Asset Quality 27 Financial Inclusion 32 Digital Banking & Business Network 34 ESG, Group Entities & Awards 41 2/48 Performance Highlights Q2FY27 (YoY) Balance Capital & Risk Shareholding Asset Business Investment Financials Sheet Management & Ratings Quality Q2FY27 Business Deposits Advances CASA Growth CD Ratio ₹ 15.96 lakh Cr ₹ 8.74 lakh Cr 14.22% 12.50% Business (YoY) RAM Retail Agriculture MSME Corporate GNPA NNPA PCR Asset Quality CoD YoA YoI NIM (Domestic) RoA 6.98% 2 bps 1.31% - 6.97% 2 bps 1.31% 2 bps Benchmark Ratios Net Interest Operating Profit Profit Before Taxes Net Profit RoE Income ₹ 3462 Cr 14.71% ₹ 6735 Cr 12.42% 4/48 ₹ 4 . 4 ₹ 7 .2 3 . 7 . 5 5 . 4 8 8 2 . 6 0 % ₹ 153165 Cr ₹ 171320 Cr 17.37% 17.18% ₹ 1 1 C r ₹ 2 1 1.61% YoY: 99 bps QoQ: 25 bps . 1 4 98.22% YoY: 6 bps QoQ: - 8.17% 8 bps 8.13% 35 bps Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Q2 (QoQ) H1 (YoY) Q2 (YoY) ₹ 7719 Cr 17.83% ₹ 7090 Cr 46.58% ₹ 4868 Cr 18.79% 19.66% 8 bps H1 (YoY) ₹ 15154 Cr 17.38% ₹ 12647 Cr 31.65% ₹ 9229 Cr 12.87% 19.57% 36 bps Balance Capital & Risk Shareholding Asset Business Investment Financials Sheet Management & Ratings Quality Business Highlights (QoQ) ₹ lakhCr Business Profit ₹in Cr Business Deposits Advances Operating Profit Net Profit 15.96 7090 14.95 15.29 13.97 14.30 5557 5286 4837 5024 7.77 7.91 8.28 8.44 8.74 3018 3061 3103 3273 3462 6.20 6.39 6.67 6.85 7.22 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 5/48 -2 5 -2 5 n t e r e s t I r -2 6 n c o 2 6 S Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality CRAR (%) 17.93 17.58 17.31 16.58 16.21 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 RAM ₹ lakhCr RAM Share (%) out of Domestic Asset Quality (%) Provision Coverage Ratio (%) 4.42 Advances GNPA NNPA PCR (incl TWO) PCR (Excl TWO) 4.17 67.04 4.04 98.28 98.28 98.28 98.22 98.22 3.90 65.50 66.06 65.45 66.00 2.60 3.76 2.23 1.98 1.86 1.61 93.91 93.22 92.68 92.21 91.54 0.16 0.15 0.15 0.15 0.14 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Business Snapshot 48.00 140.00 46.00 120.00 44.00 100.00 4C2.A00SA 39.73 39.36 38.87 40.00 80.00 38.S00B 60.00 36.00 33.50 33.77 33.24 40.00 34.00 CA 5.37 5.96 6.12 20.00 32.00 30.00 0.00 Sep-25 Jun-26 Sep-26 D o m e s ticD e p o s its D o m e s t ic C A S A C u rre n ta c c o u n t S a v in g sB a n k T e rmD e p o s its 3 0 .0 .2 0 1 7 8 8 3 5 3 0 .0 8 0 3 1 3 1 9 0 4 7 8 5 3 7 1 2 1 3 8 4 0 9 7 .2 0 2 6 3 0 .0 .2 0 8 3 3 7 3 2 8 1 9 9 7 1 8 3 5 2 5 Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Business Snapshot ₹ in Cr Domestic Deposits Sl No Parameter 30.09.2025 30.06.2026 30.09.2026 QoQ (%) YoY (%) 1 Deposits 776946 844578 874036 3.49 12.50 Domestic 741787 803163 833705 3.80 12.39 Overseas 35159 41415 40331 (2.62) 14.71 Deposits breakup Current 40281 48229 51351 6.47 27.48 Savings 248561 271296 277269 2.20 11.55 CASA 288842 319525 328620 2.85 13.77 CASA % (Domestic) 38.87% 39.73% 39.36% Term Deposits 488104 525053 545416 3.88 11.74 Domestic CASA % 2 Advances 620324 684623 721982 5.46 16.39 Domestic 573524 631790 659796 4.43 15.04 Overseas 46800 52833 62186 17.70 32.88 CD Ratio % 79.84% 81.06% 82.60% 3 Business 1397270 1529201 1596018 4.37 14.22 Domestic 1315311 1434953 1493501 4.08 13.55 Overseas 81959 94248 102517 8.77 25.08 7/48 Advances (Domestic) ₹ in Cr 30.09.2026 8/48 G r o T o t a R A M s s A d v a e t a i l g r i c u l t S M E l ( R A M ) % t o G o r p o r a u r e A d v a n c e s 3 0 . 0 9 . 2 5 . 5 3 0 . 0 3 0 . 0 R e t a il H o m e L o a n ( I n c l . M o A u t o L o a n P e r s o n a l L o a n J e w e l L o a n N o n P r io O t h e r R e t a il L o a nR e t a il A g r ic u lt u r e r o p L o a n s g r i A l l ie d & I n v e s t mA g r ic u l t u r M S M E ic r o m a l l e d iu m M S M E it y a g e l o a n s ) .2 0 2 9 7 9 3 8 8 6 8 7 4 0 1 5 9 4 0 4 9 .2 0 2 2 4 5 7 2 3 6 5 2 6 2 0 .2 0 2 2 6 7 2 3 8 3 9 0 8 9 5 .2 0 2 6 4 0 6 4 0 6 1 7 1 2 8 6 5 4 6 8 2 .2 0 2 1 2 6 7 5 4 9 7 0 8 5 1 .2 0 2 1 3 8 4 6 7 5 5 9 1 6 5 .2 0 2 9 6 3 7 0 3 6 0 8 2 1 6 8 2 5 3 1 6 .2 0 2 2 5 7 8 5 6 0 1 7 1 3 2 .2 0 2 6 8 6 4 7 7 6 1 8 7 8 1 Y (% ) 1 2 . 3 3 2 2 . 6 8 1 . 4 5 ) 5 8 . 1 6 1 4 . 5 2 1 7 . 3 7 Y (% ) 1 7 . 8 9 7 . 7 5 2 2 . 1 4 1 7 . 1 8 Y (% ) 2 6 . 9 4 7 . 3 8 1 6 . 4 1 1 9 . 0 6 Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Corporate Credit RAM Corporate 442302 416992 33% 375660 Retail 214798 217494 197864 MSME Agriculture 30.09.2025 30.06.2026 30.09.2026 Priority Sector ₹ in Cr Surpassed all the mandatory targets stipulated by RBI under Priority Sector advances Position as on 30.09.2026 ₹536.34 Cr of IND MSME Digi loans disbursed to 1941 beneficiaries cumulatively till 30.09.26 9/48 S e g m e n t ( a s r i o r i t y S e c t g r i c u l t u r e m a l l a n d M a r e a k e r S e c t i o i c r o u n d e r M o n C o r p o r a t e g i n 3 0 . a l F r m e c h m f A N 0 . 0 1 8 . 1 0 . 1 2 . 1 4 . a r k M a n d a r g 9 5 2 5 2 9 6 3 5 3 9 7 7 4 1 c h ie v c l u d in u n t 6 4 7 4 9 9 0 2 3 1 8 7 4 7 6 5 2 9 5 0 7 0 0 Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality ₹ in Cr ₹ in Cr MUDRA Self Help Group PM Viswakarma PM SVANidhi (including RRBs) (HT 1a Frg Ye 2t 7) (HA 1c Ftu Ya 2l 7) Achievement (HT 1a Frg Ye 2t 7) (HA 1c Ftu Ya 2l 7) Achievement ₹125Cr of loans disbursed to 14,381 ₹1,376Cr of loans disbursed to 24070 23997 100.3% 7975 6651 83.39% beneficiaries cumulatively since 8.4lakh beneficiaries cumulatively (YoY 5%) inception since inception No. of SHGs financed : 5.00lakh Disbursements (Q2FY27): ₹6153Cr Women Beneficiaries: 52lakh (Nos) Performance Highlights Business Investment Financials Balance Sheet Capital & Risk Management Shareholding & Ratings Asset Quality Sector Deployment-Domestic Advances ₹ in Cr % share % share Sector 30.09.2025 to Gross 30.09.2026 to Gross YoY (%) Advances Advances Infrastructure 63720 11.11 76930 11.66 20.73 of which Power 24487 4.27 32974 5.00 34.66 Port and Road Project 12370 2.16 13264 2.01 7.23 Other infrastructure (incl. Data Centres) 26863 4.68 30692 4.65 14.25 Basic Metal 13552 2.36 13805 2.09 1.87 Textiles 8183 1.43 9026 1.37 10.30 Petroleum and Coal Products 10438 1.82 6997 1.06 (32.97) All Engineering 7523 1.31 8029 1.22 6.73 Food Processing 13163 2.30 16407 2.49 24.64 Trade 25372 4.42 32215 4.88 26.97 Commercial Real Estate 17286 3.01 20379 3.0 [Showing first 8,000 characters — download PDF for full document]