IndusInd Bank Q4 FY25 Deposit and Loan Slowdown
Why in the news
IndusInd Bank’s Q4 FY25 update showed softer deposits and a shrinking loan book after derivative accounting issues hurt confidence.
Key facts
| Measure | Reading |
|---|---|
| Total deposits | ₹4.11 lakh crore; +0.4% QoQ; +6.8% YoY (11% earlier) |
| Retail and small-business deposits | ₹1.85 lakh crore (₹1.88 lakh crore in December) |
| CD mobilisation | ₹16,550 crore, 6.6 times a year ago |
| Advances | ₹3.48 lakh crore; -5.2% QoQ |
| Corporate loans | Over 15% lower QoQ; 5% lower YoY |
| Consumer loans | +3.4% QoQ; +6.3% YoY |
Derivatives issue
- Bank flagged accounting discrepancies in its derivatives portfolio on March 10; net worth may fall about 2.35%.
- Shares were down over 50% over the year, closing at ₹682.
- RBI extended CEO Sumant Kathpalia‘s term by one year to March 23, 2026; an independent audit firm was hired on March 21.
Exam angle
- Terms: CASA, CD, QoQ versus YoY.