Indian Bank Q4 2025 Results

recent financials reflect a stable performance with clear improvements in core profitability and asset quality. In Q4FY25, the bank posted a standalone net profit of ₹2,956 crore, up from ₹2,852 crore in Q3FY25 and ₹2,247 crore in Q4FY24. Revenue rose to ₹15,856 crore from ₹15,759 crore sequentially and ₹14,624 crore YoY. Interest income increased to ₹9,467 crore from ₹9,345 crore in Q3FY25 and ₹8,609 crore in Q4FY24. Financing profit stood at ₹1,481 crore, showing a steady rise from ₹1,538 crore last quarter and ₹795 crore in the same quarter last year. The financing margin improved to 9%, compared to 10% in Q3 and 5% a year ago. Other income was reported at ₹2,743 crore versus ₹2,153 crore in Q3 and ₹2,263 crore in Q4FY24. On the asset quality front, gross NPA declined further to 3.09%, down from 3.26% in Q3FY25 and 3.95% in Q4FY24, while net NPA dropped to 0.19% from 0.21% and 0.43%, respectively. On an annual basis, net profit in FY25 came in at ₹10,918 crore, rising from ₹8,063 crore in FY24. Revenue grew to ₹62,002 crore from ₹55,615 crore, and interest income increased to ₹36,826 crore from ₹32,342 crore. Financing profit expanded to ₹5,563 crore, compared to ₹3,609 crore last year, with margins improving from 6% to 9%. EPS for FY25 stood at ₹81.06, up from ₹59.86, and other income increased to ₹9,223 crore from ₹7,867 crore. The bank maintained its expense efficiency and recorded consistent growth across key metrics, indicating operational strength, although sustainability of margins and profitability will need to be monitored closely in the evolving rate environment. Disclaimer: This post is for informational purposes only and not a recommendation to buy or sell any securities. I, or my family, associates, or relatives, may have a financial interest in the securities mentioned.