Indian Bank532814Banking
Indian Bank management discussed Q2 earnings, credit-deposit ratio, capital adequacy and asset quality trends in an interview
By ScoutQuest · · 1 min read
- Credit growth
- 18 percent
- Deposit growth
- 12.5 percent
- Credit to deposit ratio
- 82.60 percent
- LCR
- 116 to 117 percent
- Capital adequacy ratio
- 16.21 percent
Heard on business television between 10:17:24 - 10:20:24 IST.
- Credit grew 18% and deposits grew 12.5%, pushing credit-to-deposit ratio up from 79% to 82.6%; management said comfortable even at 83-84%, aiming to maintain deposit-credit growth gap in a 1-1.5% corridor.
- Higher credit growth this quarter attributed to loans against FCNR deposits overseas and bulk deposits; LCR cited as the key metric to watch, currently comfortable at 116-117.
- Capital adequacy ratio (CRAR) fell slightly to 16.21% due to some divergence, but still called healthy; management expects it to rise to around 17.5% by March end as profit flows back.
- Bank may raise about 2,000 crore rupees via Tier II bonds in January if rates are favourable, after a 1,000 crore rupee bond retires, though management said they are comfortable without raising fresh capital.
- GNPA improved by about 1 percentage point from 2.6% to 1.6%; anchor raised concern about bank's exposure to Tamil Nadu amid monsoon deficiency affecting asset quality outlook.
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Source: Live TV News Channel · 16 Oct 2026
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