'Indian Bank conducted a conference call on 03 May 2025 to
discuss its financial results for the quarter ended March 2025. Binod Kumar,
MD&CEO of the bank addressed the call:
Highlights:
The bank has crossed the business milestone of Rs 13 lakh
crore, while also recording the net profit of above Rs 10000 crore in FY2025.
The bank has substantially reduced SMA loan book to 8.06%
at end March 2025 from 15.59% last year.
The advances have increased 10.2% driven by retail,
agriculture and MSME (RAM) loan growth of 5% qoq and 13% yoy.
The retail loan book has increased 14%, agriculture 14% and
MSME 12%. The share of retail, agriculture and MSME loan book stood at 64% at
end March 2025.
The bank expects to maintain a retail-corporate mix at
65-35.
The NIM has been impacted due to the repo rate cut cycle.
About 50% of the loan book of the bank is linked to the EBLR. The bank has also
passed on the ...
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