How has been the historical performance of IndusInd Bank?

Answer:The historical performance of IndusInd Bank shows a fluctuating trend in key financial metrics over the years, particularly from March 2019 to March 2025.

Breakdown:
IndusInd Bank's interest earned has shown a consistent increase from INR 22,261.15 crore in March 2019 to INR 48,667.67 crore in March 2025. This growth is primarily driven by interest on advances, which rose from INR 18,256.68 crore in March 2019 to INR 39,591.15 crore in March 2025. However, net interest income peaked in March 2024 at INR 20,615.91 crore before declining to INR 19,031.32 crore in March 2025. Total income also increased significantly from INR 27,907.87 crore in March 2019 to INR 56,351.86 crore in March 2025. On the expenditure side, total expenditure (excluding depreciation) rose from INR 6,404.68 crore in March 2019 to INR 16,070.65 crore in March 2025, with employee costs and other operating expenses contributing to this growth. Profit before tax peaked at INR 11,941.53 crore in March 2024 but fell to INR 3,614.72 crore in March 2025, leading to a profit after tax of INR 2,642.90 crore in March 2025, down from INR 8,949.78 crore in March 2024. The bank's total assets grew from INR 2,78,180.66 crore in March 2019 to INR 5,15,826.44 crore in March 2024, while total liabilities also increased correspondingly. The capital adequacy ratio remained strong, although it slightly decreased from 17.86% in March 2023 to 16.24% in March 2025. Cash flow analysis indicates a net decrease in cash and cash equivalents in recent years, with a closing balance of INR 36,801 crore in March 2024, down from INR 56,511 crore in March 2023. Overall, while IndusInd Bank has shown growth in income and assets, profitability has faced challenges in the latest fiscal year.