Indian Bank Reports 32% YoY Increase in Q4 FY25 Net Profit
Chennai: Indian Bank has announced its Q4 FY25 results, with a net profit of ₹2,956 crore, up 32% year-over-year (YoY) from ₹2,247 crore in Q4 FY24. The bank’s operating profit improved by 17% YoY to ₹5,019 crore.
Key Highlights
- Net Interest Income: Increased by 6% YoY to ₹6,389 crore.
- Return on Assets (RoA): Up by 22 bps to 1.37%.
- Return on Equity (RoE): Increased by 195 bps to 21.01%.
- Gross Advances: Grew by 10% YoY to ₹5,88,140 crore.
- Retail, Agriculture & MSME Advances: Increased by 13% YoY to ₹3,50,876 crore.
Digital Banking Growth
The bank’s digital banking business has seen significant growth, with:
- Digital Channel Business: ₹1,67,390 crore generated through digital channels in FY25.
- Mobile Banking Users: Grew by 16% YoY to 1.94 crore.
- UPI Users: Increased by 25% YoY to 2.18 crore.
Asset Quality Improvement
The bank’s asset quality has improved, with:
- Gross NPA (GNPA): Decreased by 86 bps YoY to 3.09%.
- Net NPA (NNPA): Reduced by 24 bps to 0.19%.
- Provision Coverage Ratio (PCR): Improved by 176 bps YoY to 98.10%.
