IndusInd Bank Q3 FY26: Net Profit at ₹128 Crore, Operating Profit Up 11% QoQ
IndusInd Bank reported Q3 FY26 results with a net profit of ₹128 crore, up from a loss of ₹437 crore QoQ. Operating profit grew 11% QoQ to ₹2,270 crore. GNPA was stable at 3.56% and NNPA at 1.04%. The bank has formulated a 3-year strategic roadmap, P.A.C.E., and made several key management hires.
The positive shift in profitability and strategic direction are significant for the bank's future performance, though the overall loan book size has decreased, which could moderate the immediate impact.
The bank has shown a significant turnaround in profitability, moving from a loss to a profit, and has a clear strategic roadmap and management focus, indicating a positive outlook.
IndusInd Bank Limited has released its investor presentation for the quarter and nine months ended December 31, 2025. The bank reported a net profit of ₹128 crore for Q3 FY26, a significant improvement from a loss of ₹437 crore in the previous quarter (Q2 FY26). Operating profit saw a healthy increase of 11% QoQ to ₹2,270 crore, driven by stable Net Interest Margins (NIMs) of 3.35% (excluding one-offs) and cost optimization efforts.
The bank's balance sheet has undergone re-calibration, with a decrease of 2% QoQ in average total loans and 1% QoQ in average retail and SME loans. Deposits saw a marginal increase of 1% QoQ to ₹3,93,815 crore, with the retail deposit share increasing to 47.5%.
Asset quality remained stable, with Gross Non-Performing Assets (GNPAs) at 3.56% and Net Non-Performing Assets (NNPAs) at 1.04%. The Provision Coverage Ratio (PCR) stood at a robust 72%.
Key strategic initiatives include the formulation of a 3-year strategic roadmap named P.A.C.E. The bank also saw several top management inductions, including a new Head of Wholesale Banking, Chief Human Resources Officer, Chief Data Officer, MD & CEO - BFIL, Head of SME Banking, and Head of Digital.
The bank maintained a strong capital and liquidity position, with a CRAR of 16.94% and an average Liquidity Coverage Ratio (LCR) of 122%.
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