Indian Bank (NSE: INDIANB, BSE: 532814) announced audited consolidated net profit of ₹10,918.29 crore for FY2024-25, marking a 35% year-on-year growth. The Board recommended a dividend of ₹16.25 per share (162.5% of face value) and approved a ₹7,000 crore capital raising plan, comprising ₹5,000 crore equity and ₹2,000 crore debt instruments.
Financial Highlights
- Total Income: ₹63,481.50 crore (FY25) vs ₹71,225.64 crore (FY24)
- Net Interest Margin: 3.09% (Q4 FY25)
- Capital Adequacy Ratio (Basel III): 17.94% (CET-1 at 15.36%)
- Gross NPA: Improved to 3.09% (from 3.95% YoY)
- Net NPA: Reduced to 0.19% (from 0.43% YoY)
The bank’s standalone advances grew to ₹5,71,071.19 crore, while deposits stood at ₹6,88,000 crore. Treasury operations contributed ₹17,176.79 crore to annual revenue, with retail banking emerging as a key growth driver at ₹29,125.71 crore.
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Dividend and Capital Raising
Shareholders will receive ₹16.25 per share (record date: June 13, 2025), subject to approval at the June 24 AGM. The ₹7,000 crore capital plan includes:
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The company plans to raise ₹5,000 crore through various equity instruments, including Qualified Institutional Placement (QIP), Follow-on Public Offer (FPO), or a rights issue. Additionally, it aims to secure ₹2,000 crore in debt by issuing Basel III-compliant Additional Tier-1 (AT-1) and Tier-2 bonds.
This follows the bank’s decision to defer fundraising in FY2024-25 despite prior approvals.
Operational Efficiency
- Cost-to-Income Ratio: 53.33% (FY25)
- Return on Assets: 1.32% (annualized)
- Digital Banking Segment: Contributed ₹29,124.41 crore to retail revenue
Provisions declined to ₹5,888.41 crore (FY25) from ₹6,519.33 crore (FY24), reflecting improved asset quality. The bank’s net worth increased to ₹57,028.96 crore, supported by a 17.94% capital adequacy ratio.
Leadership and Compliance
The Board re-approved raising capital through FY2025-26, adhering to SEBI Listing Regulations. Executive Director Ashutosh Choudhury emphasized “strategic focus on digital transformation and risk-calibrated growth.”
Stay tuned for further updates on market movements and financial insights.
Disclaimer: The information provided is for educational purposes only and does not constitute financial advice. We are not registered financial advisors. Please conduct your own research and consult a qualified advisor before making investment decisions. Any investment decisions you make based on this information are solely at your own risk.
Also read: April 26 Market Recap: Mixed Indices, ADANIPORTS Leads
Published on: May 2, 2025 / M Vishnu
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