IndusInd Bank Ltd (LUX:IDUSB)

Q3 2026 Indusind Bank Ltd Earnings Call Transcript

Jan 23, 2026 / 11:30 AM GMT

Release Date Price: $17.2

Transcript

Key Points

Positve

IndusInd Bank Ltd (BOM:532187) reported an 11% quarter-on-quarter growth in pre-provision trading profit, supported by improved net revenues and disciplined cost management.
The vehicle finance business saw robust momentum with disbursements increasing by 26%, driven by GST changes and a broad-based pickup across vehicle categories.
The bank has made significant progress in streamlining its organizational structure and onboarding key leadership positions, which is expected to drive future growth.
The bank's digital banking app, Indie, has over 2.7 million monthly active users, indicating strong digital engagement.
The bank's capital adequacy remains healthy with a CET1 ratio of 15.74% and a CRAR of 16.94%.

Negative

Slippages in the microfinance loans remain elevated, impacting overall asset quality.
Average advances dropped by 2% sequentially, driven by a decline in wholesale banking advances and the micro loan book.
Provisions remain high due to elevated flows in the microfinance business and write-offs of accumulated NPAs.
The bank's net NPA remains at 1.04%, with slippages appearing sticky across segments.
The bank's average deposits dropped by 1%, driven by a reduction in wholesale deposits.

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

INBK.NS - Indusind Bank Ltd
Q3 2026 Indusind Bank Ltd Earnings Call
Jan 23, 2026 / 11:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen

Good day and welcome to Henderson Bank Limited, Q3 F5 26 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.

Should you need assistance during this conference call, please signal an operator by pressing star, then 0 on attached to the phone.

I now end the conference or Mr. Rajiv Annan, managing director and CEO Henderson Bank.

Thank you and Oe to Mr.

Annan.

Good evening and thank you everyone for joining us today.

I'm joined here by by the senior management team of of Indusin Bank.

I'll start with a

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