Q3 2025 Indusind Bank Ltd Earnings Call Transcript
Key Points
- IndusInd Bank Ltd (BOM:532187) reported robust retail deposit growth with a 4% quarter-on-quarter and 14% year-on-year increase.
- The bank's vehicle finance business saw a significant improvement in disbursements, growing 25% quarter-on-quarter.
- Digital banking offerings have been expanded, showing positive trends among early adopters.
- The bank maintained a healthy capital adequacy ratio with CT1 at 15.18% and CRAR at 16.46%.
- Retail assets maintained strong growth momentum with a 19% year-on-year increase.
- The bank experienced higher slippages in the microfinance segment due to industry conditions.
- Overall deposit growth declined by 1% quarter-on-quarter as the bank let go of non-LCR beneficial wholesale deposits.
- Net interest margin decreased to 3.93% from 4.08% quarter-on-quarter due to lower microfinance balances and higher borrowing costs.
- The microfinance segment remains a concern with elevated slippages expected to continue into the next quarter.
- The bank's CASA ratio decreased quarter-on-quarter due to outflows from short-term flows such as dividend mandates.
Ladies and gentlemen, good day and welcome to IndusInd Bank Limited Q3 FY25 earnings conference call. As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. (Operator Instructions) Please note that this conference is being recorded.
I now hand the conference over to Mr. Sumant Kathpalia, Managing Director and CEO. Thank you and over to you, sir.
Good evening and thank you for joining this call. Let me start with some macro commentary and then go into bank-specific details. The recent trends in high frequency indicators suggest stability in economic activities after the slowdown in quarter two. A recovery in rural demand and a festive season boost to urban demand is aiding to private consumption. However, a contraction in public traffics in H1 and a sluggish recovery thereafter have weighed on investment growth.
The union budget due to be
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