IndusInd Bank Limited (INDUSINDBK) — Financial Results | 31 January 2025(5 announcements)

IndusInd Bank reported Q3 FY2025 consolidated net profit of ₹1,331.26 crores on total income of ₹15,283.21 crores, with basic EPS of ₹16.16. The nine-month net profit reached ₹6,975.39 crores. Capital adequacy ratio stood at 16.51% with gross NPA at 0.40%. The board approved unaudited standalone and consolidated results on January 31, 2025, reviewed by joint auditors MSKA & Associates and Chokshi & Chokshi LLP in compliance with RBI guidelines and SEBI regulations.

IndusInd Bank reported Q3 FY25 net profit of ₹1,402 crores, up 5% QoQ but down 39% YoY from ₹2,301 crores. Net Interest Income declined to ₹5,228 crores from ₹5,296 crores YoY, with NIM compressing to 3.93% from 4.29% YoY. Deposits grew 11% YoY to ₹4,09,438 crores, while advances expanded 12% YoY to ₹3,66,889 crores. Asset quality deteriorated with Gross NPA rising to 2.25% from 2.11% QoQ. Capital adequacy ratio stood at 16.46%, above regulatory minimums.

IndusInd Bank reported Q3 FY2025 net profit of ₹1,515.10 crores with total income of ₹38,033.82 crores. Nine-month net profit reached ₹8,940 crores. Basic EPS for Q3 stood at ₹16.46, while gross NPA ratio improved to 0.62% and net NPA to 0.15%. Capital adequacy ratio remained robust at 15.21% with CET1 at 17.86%. The bank implemented RBI's revised investment classification framework, generating a net gain of ₹165.26 crores credited to General Reserve.

IndusInd Bank held an earnings call on January 31, 2025, discussing unaudited standalone and consolidated financial results for Q3 and nine-month period ended December 31, 2024. The audio recording has been made available on the bank's investor relations website for analyst and institutional investor reference.

IndusInd Bank reported Q3 FY25 net profit of ₹1,402 crores, down 39% YoY, pressured by lower net interest income despite steady loan growth of 12% YoY to ₹3,66,889 crores and deposit growth of 11% YoY to ₹4,09,438 crores. The 5th largest private bank maintains strong asset quality with NNPA at 0.68% and capital adequacy at 16.46% CRAR. Return on equity declined to 8.45%, while digital transactions reached 93% of the mix. Fee income contracted 2% YoY, and yield on advances fell from 12.31% to 12.21% QoQ.