• ROA and growth targets: IndusInd Bank targets returning to market-level growth and achieving an exit ROA of approximately 1% in FY26–27, with a longer-term ambition of 125 to 150 basis points driven initially by operating efficiencies and lower credit costs.
• Balance sheet mix: The portfolio composition will remain broadly stable at around 35% corporate, 14–15% SME, and the remainder in retail (±5%), with management aiming to diversify retail assets away from sole reliance on vehicle finance and microfinance.
• Credit cost outlook: Slippages, provisioning, and credit costs have improved over the last two quarters due to tighter underwriting and enhanced collections, with no early warning signs of stress across portfolios despite macroeconomic and geopolitical uncertainties.
• Organizational and risk integration: The bank consolidated its retail, commercial vehicle, microfinance, and liability operations under one Executive Director to foster internal synergies, while strengthening assurance via new appointments for CRO, CFO, internal audit head, and compliance head.