INTEGRATED FILING — BANKING



General information about company

Scrip code 532814
NSE Symbol INDIANB
MSEI Symbol NOTLISTED
ISIN INE562A01011
Name of bank Indian Bank
Class of security Equity
Date of start of financial year 01-Apr-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 03-May-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 24-Apr-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Consolidated
Whether results are audited or unaudited Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 03-May-2025   13:30:00
End date and time of board meeting 03-May-2025   14:30:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 114567500000 448563900000
Income on investments 39057500000 153477800000
Interest on balances with reserve bank of India and other inter bank funds 3883900000 15895000000
Others 1087400000 2457600000
Total interest earned 158596300000 620394300000
2 Other income 29347300000 100114500000
3 Total income 187943600000 720508800000
Expenses
4 Interest expenses 94670600000 368262500000
5 Operating expenses
(i) Employees cost 27342400000 99746100000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 15689400000 61485400000
Total other operating Expenses 15689400000 61485400000
Total Operating Expenses 43031800000 161231500000
6 Total expenditure excluding provisions and contingencies 137702400000 529494000000
7 Operating profit before provision and contingencies 50241200000 191014800000
8 Provisions other than tax and contingencies 7943100000 42141000000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 42298100000 148873800000
11 Provision for Tax 12684200000 38925100000
12 Net profit (loss) from ordinary activities after tax 29613900000 109948700000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 29613900000 109948700000
15 Share of profit (loss) of associates 206400000 2695200000
16 Profit (loss) of minority interest 3900000 29200000
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 29816400000 112614700000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 13469600000 13469600000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 629651700000
20 Analytical ratios
(i) Percentage of share held by government of India 73.84 73.84
(ii) Capital adequacy ratio
CET 1 ratio 15.75 15.75
Additional Tier 1 ratio 0.49 0.49
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 22.14 83.61
Diluted earnings per share before extraordinary items 22.14 83.61
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 22.14 83.61
Diluted earnings per share after extraordinary items 22.14 83.61
(iv) NPA Ratios
Amount of gross non-performing assets 181788600000 181788600000
Amount of net non-performing assets 11095600000 11095600000
% of gross NPAs 3.09 3.09
% of net NPAs 0.19 0.19
Return on assets 1.4 1.35
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) Figures of previous periods have been regrouped/ reclassified wherever considered necessary to conform to current period classification. Please refer to the Notes in the PDF filed with Results on Stock Exchanges


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Consolidated
1 Capital and liabilities
Capital 13469600000
Reserves and surplus 701659500000
Deposits 7370983200000
Borrowings 415523000000
Other liabilities and provisions 268750700000
Total Capital Liabilities 8770386000000
2 ASSETS
Cash and Balances with Reserve Bank of India 319476500000
Balances with Banks and money at call and short notice 230137500000
Investments 2284208600000
Advances 5710711800000
Fixed Assets 88573300000
Other Assets 137278300000
Total Assets 8770386000000
Disclosure of notes on assets and liabilities


Text Block
Textual Information(1)


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 TREASURY OPERATIONS 44191500000 171767900000
2 CORPORATE / WHOLESALE BANKING 60109100000 238577400000
3 RETAIL BANKING 77431200000 291257100000
4 OTHER BANKING OPERATIONS 6211800000 18906400000
Total Segment Revenue 187943600000 720508800000
Less: Inter segment revenue 0 0
Income from operations 187943600000 720508800000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 TREASURY OPERATIONS 15871200000 61366300000
2 CORPORATE / WHOLESALE BANKING 13420500000 54276600000
3 RETAIL BANKING 17012600000 65193300000
4 OTHER BANKING OPERATIONS 3936900000 10178600000
Total Profit before tax 50241200000 191014800000
i. Finance cost 0 0
ii. Other Unallocable Expenditure net off Unallocable income 7740600000 39475000000
Profit before tax 42500600000 151539800000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 TREASURY OPERATIONS 2647537000000 2647537000000
2 CORPORATE / WHOLESALE BANKING 2727924200000 2727924200000
3 RETAIL BANKING 3307843400000 3307843400000
4 OTHER BANKING OPERATIONS 36067100000 36067100000
Total Segment Assets 8719371700000 8719371700000
Un-allocable Assets 51014300000 51014300000
Net Segment Assets 8770386000000 8770386000000
4 Segment Liabilities
Segment Liabilities
1 TREASURY OPERATIONS 2437440400000 2437440400000
2 CORPORATE / WHOLESALE BANKING 2511448400000 2511448400000
3 RETAIL BANKING 3045347800000 3045347800000
4 OTHER BANKING OPERATIONS 14249700000 14249700000
Total Segment Liabilities 8008486300000 8008486300000
Un-allocable Liabilities 761899700000 761899700000
Net Segment Liabilities 8008486300000 8008486300000
Disclosure of notes on segments 1. Segment Revenue and expenses have been apportioned on the basis of Segment assets, wherever direct allocation is not possible. 2. Figures of the previous period have been regrouped/reclassified wherever considered necessary to conform to current period classification. 3. As per RBI Circular DOR . AUT.REC.12/22.01.001/2022-23 daled April 07, 2022 on 'Establishment of Digital Banking Units (DBUs)', for the purpose of disclosure under Accounting Standard 17 -’Segment reporting',’Digital Banking’ has been identified as a sub-segment under Retail Banking by Reserve Bank of India (RBI).Tthe Bank has 3 DBUs. The ’Digital Banking' segment information disclosed pertains to the said DBUs.




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Consolidated
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 6000400000
Adjustments for depreciation and amortisation expense 5429400000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 0
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 0
Other adjustments for which cash effects are investing or financing cash flow -17000000
Other adjustments to reconcile profit (loss) 0
Other adjustments for non-cash items 40811500000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 52224300000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables -596261400000
Adjustments for decrease (increase) in other current assets -100880500000
Adjustments for increase (decrease) in trade payables 695546700000
Adjustments for increase (decrease) in other current liabilities -27973900000
Adjustments for provisions 0
Total adjustments for working capital -29569100000
Total adjustments for reconcile profit (loss) 22655200000
Net cash flows from (used in) operations 171529000000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 260200000
Other inflows (outflows) of cash 2695200000
Net cash flows from (used in) operating activities before extraordinary items 173964000000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 173964000000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 0
Purchase of tangible assets 0
Proceeds from sales of intangible assets 1915400000
Purchase of intangible assets 5399400000
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items -3484000000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -3484000000
5 Cash flows from used in financing activities
Proceeds from issuing shares 0
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 0
Repayments of borrowings 20000000000
Dividends paid 16163600000
Interest paid 6471500000
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities before extraordinary items -42635100000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities -42635100000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 127844900000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents 127844900000
Cash and cash equivalents cash flow statement at beginning of period 421769100000
Cash and cash equivalents cash flow statement at end of period 549614000000


Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 M/s Kailash Chand Jain & Co. Yes 31-Mar-2027
2 M/s S Singhal & Co. Yes 28-Feb-2027
3 M/s G Balu Associates LLP Yes 30-Jun-2025
4 M/s Dass Gupta & Associates Yes 31-Jul-2027
5 M/s Arun K Agarwal & Associates Yes 31-Jul-2027


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date