IndusInd Bank Ltd (LUX:IDUSB)

Half Year 2026 Indusind Bank Ltd Earnings Call Transcript

Oct 18, 2025 / 10:30 AM GMT

Transcript

Key Points

Positve

IndusInd Bank Ltd (BOM:532187) has shown resilience during recent periods of turbulence, maintaining a strong capital adequacy with a CET1 ratio of 15.88%.
The bank's retail deposits as per LCR improved to 47.3%, indicating a stronger deposit base.
The vehicle finance business is maintaining its market leadership with significant market shares across leading OEMs.
The bank has made progress on rebuilding its leadership team, with key hires in CFO, legal counsel, head of internal audit, and head of business transformation.
IndusInd Bank Ltd (BOM:532187) has a healthy liquidity position with an average LCR of 132% and average surplus liquidity of 56,000 crores.

Negative

The bank reported a net loss of 437 crores for the quarter due to accelerated provisions on the microfinance portfolio.
Microfinance slippages remain elevated, leading to increased provisions and write-offs.
Advances dropped 2% sequentially, largely due to a reduction in microfinance loans.
The net interest margin was marginally lower at 3.32% versus 3.35% quarter on quarter.
The bank's overall non-interest income declined sequentially due to a lack of treasury gains and recovery gains.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

INBK.NS - Indusind Bank Ltd
Half Year 2026 Indusind Bank Ltd Earnings Call
Oct 18, 2025 / 10:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, welcome to I decent Bank Limited, Q2 FY26 earnings conference call.

As a reminder, all pis spin lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during the conference call, please signal an operator by pressing 100 on your touchone phone.

Please note that this conference is being recorded.

I now had the conference over to Mr.

Rajeev Anand, empty and CEO Inderson Bank.

Thank you and overdue, sir.

Thank you, Michelle.

Good evening and thank you for joining us today.

I understand that today is a long day for all of you

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