IndusInd Bank532187Banking
Bank management discussed Q2 results including liability mix, NIM compression, microfinance recovery, vehicle financing trends, gold loan growth and ROA guidance on an earnings call
By ScoutQuest · · 1 min read
- FCNRB deposits
- 3.51 billion dollars
- CASA ratio
- 28 percent
- NIM decline
- 12 basis points
- NIM impact from FCNRB
- 7 to 8 basis points
- Vehicle disbursement growth
- 17 percent
Heard on business television between 09:51:41 - 09:54:41 IST.
- Retail now forms about 50% of liabilities mix while CASA ratio fell to 28% this quarter due to 3.51 billion dollars of FCNRB deposits moving into term deposits.
- Overall NIMs declined 12 basis points, with 7-8 basis points explained by the FCNRB deposit shift; management expects to recoup the margin decline over the next two quarters led by commercial vehicle, microfinance and retail asset disbursement growth.
- Microfinance business returned to growth after eight consecutive quarters of decline; vehicle disbursements were up 17%, with CV and passenger vehicles strong but tractors and two-wheelers showing caution, two-wheelers being a relatively small part of the book.
- Gold loan book grew about 3x year-on-year off a low base, attributed partly to formalization of the economy and partly to household sector stress; management plans to expand via branch network.
- ROA is near the 1% exit guidance level and expected to reach it by Q4; medium-term aspiration is to return to the bank's historical 1.7-1.8% ROA level.
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Source: Live TV News Channel · 26 Oct 2026
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