Investor Presentation

INVESTOR SERVICES CELL Ref. No.: ISC/183/2026-27 Date: 19.08.2026 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: Disclosure under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015- Investor Presentation In terms of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 and in continuation to our letter No. ISC/180/2026-27 dated 17.08.2026, we are enclosing a copy of Investor Presentation with regard to the Investor Meet scheduled on 20th August 2026. A copy of the said Investor Presentation is also being made available on our Bank's website at www.indianbank.bank.in 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 Indian Bank Corporate Presentation 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 2/46 Performance Highlights Q1FY27 (YoY) Balance Capitals Risk Shareholding Asset Performance Business Investment Financials Sheet Management s Ratings Quality Highlights Q1FY27 Business Deposits Advances CASA CDRatio ₹8. 44lakhCr ₹6. 85lakhCr CASA:15.30% ₹15. 29lakhCr (USD 89.15 bn) (USD72.36 bn) SB: 13.54% 81.06% (USD161.52 bn) 13.47% 13.89% CA: 26.33% 13.66% Business (YoY) RAM Retail Agriculture MSME Corporate ₹214798Cr ₹4. 17lakhCr ₹146827Cr ₹158512Cr ₹111653Cr (USD22.69 bn) (USD 44.05bn) (USD 15.51 bn) (USD16.75 bn) (USD11.79 bn) 11.49% 14.80% 18.74% 17.03% 9.96% GNPA NNPA PCR Asset 98.22% 1.86% 0.15% Quality YoY:2bps YoY:115bps YoY:3bps QoQ:6bps QoQ:12bps CoD YoA YoI NIM(Domestic) RoA 3.41% 1.31% 4.80% 8.09% 6.96% YoY:34bps YoY:49bps YoY:6bps YoY:3bps QoQ:3bps QoQ:3bps QoQ:2bps QoQ:6bps QoQ:3bps Benchmark Ratios OperatingProfit ProfitBeforeTaxes NetProfit NetInterest Income RoE ₹7435Cr ₹5557Cr ₹4361Cr ₹3273Cr 19.48% ( USD785.42 m ) ( USD 587.03 m ) (USD460.69 m) (USD345.75m) YoY:78bps YoY:17% YoY:17% YoY:6.9% YoY:10% QoQ:50bps QoQ:5% QoQ:5% QoQ:7.4% QoQ:5% 4/46 Note: USD/INR = 94.6626 as of 30 June 2026 (Source: Foreign Exchange Dealers’ Association of India) Balance Capital & Risk Shareholding Asset Performance Business Investment Financials Sheet Management & Ratings Quality Highlights Business Highlights (QoQ) ₹ lakhCr Business Profit ₹in Cr Net Interest Income ₹in Cr Business Deposits Advances Operating Profit Net Profit 5557 5286 7435 13.45 13.97 14.30 14.95 15.29 4770 4837 5024 6359 6551 6896 7109 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 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 5/46 7 .8 0 n -2 5 1 7 .3 1 S e p - 2 5 R ( % .5 8 c -2 5 .9 3 r -2 6 7 .5 8 n -2 6 ₹ 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 48.00 140.00 46.00 120.00 44.00 100.00 4C2.A00SA 39.67 39.73 38.97 40.00 80.00 38.S00B 60.00 36.00 33.65 34.08 33.77 40.00 34.00 CA 5.32 5.59 5.96 20.00 32.00 30.00 0.00 Jun-25 Mar-26 Jun-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 9 7 5 6 5 6 3 1 .0 7 8 9 2 3 1 3 0 4 4 0 8 7 6 9 0 0 5 7 6 1 9 1 .2 0 2 6 3 0 .0 .2 0 8 0 3 1 3 1 9 0 8 5 3 2 1 3 0 9 7 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 (%) 1 Deposits 744289 827726 844578 2.04 13.47 Domestic 709750 789283 803163 1.76 13.16 Overseas 34539 38443 41415 7.73 19.91 Deposits breakup Current 38177 44450 48229 8.50 26.33 Savings 238939 269098 271296 0.82 13.54 CASA 277116 313548 319525 1.91 15.30 CASA % (Domestic) 38.97% 39.67% 39.73% Term Deposits 467173 514178 525053 2.12 12.39 Domestic CASA % 2 Advances 601147 667113 684623 2.62 13.89 Domestic 555881 617485 631790 2.32 13.66 Overseas 45266 49628 52833 6.46 16.72 CD Ratio % 80.77% 80.60% 81.06% 3 Business 1345436 1494839 1529201 2.30 13.66 Domestic 1265631 1406768 1434953 2.00 13.38 Overseas 79805 88071 94248 7.01 18.10 7/46 Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Advances (Domestic) ₹ in Cr Sector 30.06.2025 31.03.2026 30.06.2026 YoY (%) Retail 30.06.2025 31.03.2026 30.06.2026 YoY (%) Home Loan (Incl.Mortgage loans) 76226 84450 86409 13.36 Gross Advances-Domestic 555881 617485 631790 13.66 Auto Loan 12377 16153 16409 32.58 Retail 123657 141396 146827 18.74 Personal Loan 7088 6502 6176 (12.87) Agriculture 144160 153150 158512 9.96 Jewel Loan Non Priority 12009 18527 21284 77.23 MSME 95404 109580 111653 17.03 Other Retail Loan 15957 15764 16549 3.71 Total (RAM) 363221 404126 416992 14.80 Retail 123657 141396 146827 18.74 RAM % to Gross Domestic Advances 65.34% 65.45% 66.00% Corporate 192660 213359 214798 11.49 30.06.2026 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 8/46 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 9/46 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): ₹4044 Cr • 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 70 [Showing first 8,000 characters — download PDF for full document]