Bank’s Profile
Bank’s Profile
A BRIEF HISTORY OF THE BANK SINCE ITS INCORPORATION
| 1907 | · Bank was incorporated on March 5, 1907 with an Authorized Capital of Rs 20 lakhs and commenced its business on August 15, 1907.
· In the year 1907, the Indian Bank Ltd. had the tree ‘Banyan’ as a part of its emblem denoting an all-around progress, growth (far and wide) and an ever-increasing prosperity. |
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| 1921 | · Bank’s capital was raised to Rs 60 lakhs from Rs 20 lakhs. | |
| 1932 | · Bank celebrated its Silver Jubilee.
· Bank opened its first overseas operations in Colombo. |
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| 1941 | · Singapore branch was opened. | |
| 1957 | · Bank celebrated its Golden Jubilee. | |
| 1967 | · Bank celebrated its Diamond Jubilee. | |
| 1978 | · Bank’s logo comprising of three circling arrows arranged around a central point was approved. | |
| 1982 | · Bank celebrated its Platinum Jubilee. | |
| 1990 | · Bank of Thanjavur Ltd. (BoT) with 157 branches was amalgamated with the Bank. | |
| 2006 | · The centenary year celebration was inaugurated by His Excellency the President of India Shri. A P J Abdul Kalam on 4th September. | |
| 2007 | · Bank went in for Initial Public Offer in February 2007. | |
| 2008 | · Achieved 100 per cent Core Banking Solutions (CBS) compliant. | |
| 2019 |
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| 2020 | · Bank commenced its operation as an amalgamated entity from 1st April 2020. The integration of CBS systems of both the Banks was completed on 14.02.2021. | |
| 2022 | · Bank’s Global Business surpassed Rs 10 lakh Crores. | |
| 2023 | · Bank’s Global Business was at Rs 10.95 lakh Crores. | |
| 2024 | · Bank’s Global Business surpassed ₹12 lakh Crore | |
| 2025 |
· Bank’s Global Business stood at ₹13.25 lakh Crore | |
| (Q2FY26) |
· Bank’s Global Business stood at ₹13.97 lakh Crore |
Branch Network and other touch points as on 30.09.2025
Domestic branches: 5955 (Including 3 DBUs) Overseas branches: 3 & IBU: 1
ATMs & BNAs: 5565 Business Correspondents: 15598
Bank’s Performance as on 30.09.2025
Assets and Liabilities
- Total Deposits increased by 12.09% YoY and reached to ₹776946 Cr in Sep’25 as against ₹693115 Cr in Sep’24. Current, Savings & CASA deposits grew by 11.40%, 6.59%, and 7.23% YoY respectively.
- Domestic CASA ratio stood at 38.87% as on 30thSep’25.
- Gross Advances increased by 12.65% YoY to ₹620324 Cr in Sep’25 from ₹550644 Cr in Sep’24.
- RAM (Retail, Agriculture & MSME) advances grew by 15.57% YoY to ₹375660 Cr in Sep’25 from ₹325050 Cr in Sep’24.
- RAM contribution to gross domestic advances stood at 65.50%. Retail, Agri & MSME advances grew by 18.58%, 13.98% and 14.10% YoY respectively. Home Loan (including mortgage) grew by 12.68% YoY in Sep’25.
- Priority sector advances as a percentage of ANBC stood above 42% at ₹206149 Cr in Sep’25 as against the regulatory requirement of 40%.
Capital Adequacy
- Capital Adequacy Ratio stood at 17.31%. CET-I at 14.80% and Tier I Capital stood at 15.27% in Sept’25.
Asset Quality
- GNPA decreased by 88 bps YoY to 2.60% in Sep’25 from 3.48% in Sep’24, NNPA reduced by 11 bps to 0.16% in Sep’25 from 0.27% in Sep’24.
- Provision Coverage Ratio (PCR, including TWO) improved by 68 bps YoY to 98.28% in Sep’25 from 97.60% in Sep’24.
Operating Profit and Net Profit (Half year ended Sep’25 over Sep’24)
- Net Profit up by 17.24% YoY to ₹5991 Cr in H1FY26 from ₹5110 Cr in H1FY25.
- Operating Profit grew by 4.08% YoY to ₹9607 Cr in H1FY26 from ₹9230 Cr in H1FY25.
- Net Interest Income up by 4.35% YoY to ₹12910 Cr in H1FY26 from ₹12372 Cr in H1FY25.
- Net Interest Margin (NIM) Domestic stood at 3.35% in H1FY26.
- Return on Assets (RoA) improved by 7 bps to 1.33% from 1.26% in H1FY25.
- Credit Cost improved by 41 bps YoY to 0.27% in H1FY26 from 0.68% in H1FY25.
Digital Banking
- Business of ₹1,23,585 Cr has been generated through Digital Channels in H1FY26. A total of 132 Digital Journeys, Utilities and Processes have been launched so far.
- Number of Mobile Banking users has grown by 17% year over year, reaching 2.11 Cr.
- UPI users and Net Banking users have witnessed an increase of 24% & 6% YoY reaching 2.41 Cr and 1.17 Cr respectively. Both the debit card & credit card users increased by 5%.
Financial Inclusion
- During Q2 FY26, total disbursement under SHG is ₹5287 Cr.
- The outstanding under SHG increased to ₹22901 Cr from ₹20790 Cr registering YoY growth of 10.2%. Bank assisted 5.06 lakh SHG/JLGs with 59 lakh women members under SHG/JLG scheme.
- In Atal Pension Yojana (APY), during H1FY26 Bank added 3.12 lakhs fresh enrolments with Average Account Per Branch (AAPB) of 54 against proportionate target of 50 as on 30.09.2025.
Awards & Accolades
- Indian Bank was awarded the third prize in the Rajbhasha Kirti Award 2025 for its exemplary efforts in promoting the official language.
- The Bank received the Cloud Leader- India 2025 award from VMware India in recognition of its leadership in cloud technology and innovation.
- The Chief Financial Officer of Indian Bank was honoured as the Best CFO in the Bank (Large Cap category) at DSIJ’s 2025 CFO Awards.
Our Focus
- Our focus remains on staying agile in a dynamic environment, building trust through transparency and delivering personalized experiences. We are investing in innovation, expanding access to underserved segments, and strengthening our foundation for long-term success.
( Last modified on Oct 16, 2025 at 05:10:46 PM )
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