Q1-FY27 · Rajiv Wang
We delivered a return to balance sheet growth, further strengthened our liability franchise, continued to improve asset quality and achieved a meaningful recovery in profitability.
INDUSINDBK / language trends
Read confidence between the lines.
IndusInd Bank · tone and specificity signals across the available quarters.
Research layer active
Language signals
What changed in management language.
tracked
Q1-FY27 · Rajiv Wang
What is also very important to us is reciprocity meaning that we will do transactions where the probability of getting reciprocal transactions meaning transaction banking, current account floats, payment of GST, salary accounts etc. is higher than the others.
Q1-FY27 · Rajiv Wang
We are actually moving away from the more traditional Indus bank model of high cost of deposits and a riskier portfolio to a more balanced portfolio which is more predictable from a profitability and ROA perspective.
Q1-FY27 · Jag Ranjan
We've guided for the fact that we will slow down on our personal loans and credit cards where we are correcting the portfolio quality. We are now seeing the tail end of that risk that is flowing in.
Q3-FY26 · Rajiv Anand
Our intent is to grow in line with market in 26-27, start to gain market share in 27-28, and start to dominate in some of the focus areas in 28-29.
Q3-FY26 · Viral
We are now writing off at 365 days post NPA and provisioning is staggered depending on the number of months outstanding post NPA, broadly between 78 to 80% PCR on that book.
Q3-FY26 · Rajiv Anand
The key to all this is to be able to improve the both the quality and quantity on the liability side. There is a mad scramble for deposits in the banking system.