IndusInd Bank Ltd

- No immediate plans to raise capital; capital position strengthened with recent accretion. - Current capital levels are sufficient to support growth for at least the next 1 year. - No significant release expected under new LCR norms, and stable LCR range targeted (115%-120%). - On deposit growth and loan growth, constraints of deposit mobilization may affect credit growth, but efforts underway to manage growth prudently. - No mention of imminent debt fundraising or equity issuance; focus remains on operational growth and capital adequacy maintenance.

- IndusInd Bank is investing in both people and technology to scale their business significantly, especially in the rural and microfinance segments. (Page 14) - There is a focus on improving digital capabilities to enhance customer experience and efficiency, acknowledging some gap compared to peers. (Page 13) - The bank is repositioning its brand, targeted around July-August 2026, as part of strategic initiatives. (Page 13) - Investments are ongoing to grow the rural business franchise by adding new products like Micro LAP alongside microfinance. (Page 14) - The leadership team is largely in place, reinforcing confidence to execute strategic priorities and build a resilient, future-ready institution. (Page 3) - No immediate plans to raise capital in the near term, as current capital adequacy levels provide enough headroom to support growth for at least one year. (Page 15)

- IndusInd Bank aims to grow broadly in line with the market in FY27, targeting system-level loan growth of around 13%-14%, subject to macroeconomic developments like the West Asia crisis. - The bank plans to rationalize large corporate exposure while increasing focus on mid-market, SME, and retail segments to drive more stable, granular growth. - Retail asset businesses (home loans, gold loans) and rural products (microfinance plus newer rural products like Micro LAP) are expected to scale, contributing to growth over the medium term. - Efforts are underway to improve retail deposit growth through organizational and incentive changes, integrated teams, and cross-selling to support asset growth. - The franchise aims to transition into a more universal bank with a predictable profit franchise and gradual but sustainable growth in disbursements, especially in micro loans and vehicle finance. - Growth is calibrated and may be slightly lower compared to prior years, reflecting cautious macroeconomic outlook and deposit growth constraints.

- IndusInd Bank expects to grow broadly in line with the market in FY27, targeting around 13%-14% loan growth, subject to macroeconomic conditions (West Asia crisis). - Operating profits: Improvement expected from revenue growth (NIM, fees) and controlled expenses, driving the journey to 1% RoA. - Earnings: Net profit showed a strong sequential jump; continued improvement anticipated with stabilizing asset quality and calibrated loan growth. - Fee income: Targeted increase from enhanced digital capabilities, transaction banking, capital markets fees, and improved cross-sell of products. - Provisions: Expected credit costs to normalize and contribute equally with operating profits towards ROA improvement. - EPS and profits expected to benefit from a combination of stronger retail-led growth, stable operating leverage, and controlled credit costs, with medium-term sustainable returns.

The provided transcript and pages from IndusInd Bank's Q4 FY26 earnings call do not contain information related to current or expected order book or pending orders. The discussion primarily focuses on: - Employee costs, - Deposit growth and loan growth outlook, - Asset quality and net NPA guidance, - Capital adequacy and risk-weighted assets, - Business segments like vehicle finance, microfinance, retail deposits, - Digital capabilities and leadership changes, - Financial performance metrics such as ROA, NIM, fee income. No details or figures related to an order book or pending orders are mentioned in the available excerpts. If you need information on any other topics or data points, please specify.