Analyst Concall
Indian Bk expects treasury gains of INR 3.5 bln in Jan-Mar
This story was originally published at 20:19 IST on 22 January 2026
Register to read our real-time news.Informist, Thursday, Jan. 22, 2026
Please click here to read all liners published on this story
--Indian Bank: Have corporate loan pipeline of INR 500 bln
--Indian Bank: Taking various measures to increase digital adoption
--CONTEXT: Comments from Indian Bank mgmt in post earnings analyst call
--Indian Bank: Expect treasury gains of INR 3.5 bln in Jan-Mar
--Indian Bank: Aim to sustain credit growth at current levels in FY27
--Indian Bank: Expect slight impact of 1-2 bps on NIM in Q4
--Indian Bank: Expect return on assets to remain at 1.3% in FY26
MUMBAI – Indian Bank expects treasury gains of around INR 3.5 billion in Jan–Mar and sees only some impact on margins, the lender's management said during a post-earnings analyst call.
The state-owned lender posted a net profit of INR 30.61 billion for Oct-Dec, up from INR 28.52 billion a year ago, but lower than analysts' expectations of INR 31.36 billion. Shares of the bank surged after its earnings were declared. They closed 5.4% higher at INR 896.75 on the National Stock Exchange.
The state-owned bank said it has a strong corporate loan pipeline of about INR 500 billion and aims to sustain its current pace of credit growth into 2026-27 (Apr-Mar). "We have a good pipeline of around 50,000 crore (INR 500 billion) in the corporate range," the bank's Managing Director Binod Kumar said, adding that demand was visible across sectors such as green finance, logistics, and warehouse development.
On profitability, the management said return on assets was expected to remain steady in the coming year. "ROA also I expect for the year also it should remain around 1.3," Kumar said, indicating that the bank expects return on assets to stay at 1.3% in FY26.
The bank flagged a mild pressure on margins in the March quarter due to loan repricing. "There may be some impact...maybe one or two basis points," the MD said, referring to the likely impact on net interest margin in Q4, which he added would be partly offset by deposit repricing.
Indian Bank also said it is stepping up efforts to improve digital penetration across products and customer segments. "We are taking various measures for increasing our digital adoption so that benefit of that may come to us," Kumar said, noting that investments in technology and digital onboarding are beginning to show traction.
Looking ahead, the management said it remained confident of maintaining loan growth momentum beyond the current financial year. "My expectation is even next year credit growth whatever we are doing we are maintaining we will be able to sustain," the MD said, underlining the bank's aim to sustain credit growth at current levels in FY27. End
Reported by Kabir Sharma and Shweta
Edited by Akul Nishant Akhoury
For users of real-time market data terminals, Informist news is available exclusively on the NSE Cogencis WorkStation.
Cogencis news is now Informist news. This follows the acquisition of Cogencis Information Services Ltd. by NSE Data & Analytics Ltd., a 100% subsidiary of the National Stock Exchange of India Ltd. As a part of the transaction, the news department of Cogencis has been sold to Informist Media Pvt. Ltd.
Informist Media Tel +91 (22) 6985-4000
Send comments to feedback@informistmedia.com
© Informist Media Pvt. Ltd. 2026. All rights reserved.
To read more please subscribe
Share this Story:
