Net NPA ratio improved to 0.21% as on June 30, 2025 as against 0.23% as on June 30, 2024.
FinTech BizNews Service
Mumbai, July 22, 2025: IDBI Bank has announced its Financial Results for Q1 of FY 2026. Mumbai, July 21, 2025: The Board of Directors of IDBI Bank Ltd. met in Mumbai and approved the financial results for the Quarter ended June 30, 2025.
Operating Performance for Q1 of FY 2026
§ Net Profit improved by 17% in Q1-2026 to Rs2,007 crore as against net profit of Rs1,719
crore in Q1-2025.
§ Operating profit improved by 13% in Q1-2026 to Rs2,354 crore as against Rs2,076 crore in
Q1-2025.
§ Net Interest Income stood at Rs3,166 crore in Q1-2026 as against Rs3,233 crore in Q1-2025.
§ Net Interest Margin (NIM) stood at 3.68% in Q1-2026 as compared to 4.18% in Q1-2025.
Highlights-Q1 FY 2026
v Net Profit surges to Rs2,007 crore, registering a growth of 17% YoY
v Operating Profit recorded at Rs2,354 crore, YoY growth of 13%.
v Total Business stood at Rs 5,08,775 crore, YoY growth of 8%.
v Total Deposits stood at Rs 2,96,868 cr, YoY growth of 7%
v Net Advances stood at Rs 2,11,907 cr, YoY growth of 9%
v Gross NPA down to 2.93%, YoY reduction by 94 bps
v Net NPA down to 0.21%, YoY reduction by 2 bps
v Return on Assets (ROA) improved to 2.01%, YoY growth of 18 bps
v Provision Coverage Ratio (PCR) at 99.31%
v CRAR at 25.39%, YoY growth by 297 bps
v CASA ratio at 44.65%
§ Return on Assets (ROA) improved by 18 bps to 2.01% in Q1-2026 as compared to 1.83%
for Q1-2025
§ Cost of Deposit stood at 4.84% in Q1-2026 as compared to 4.58% in Q1-2025.
§ Cost of Funds stood at 4.98% in Q1-2026 as compared to 4.81% in Q1-2025.
§ Return on Equity (ROE) stood at 17.91%.
§ Cost to Income Ratio stood at 48.86%.
Business Growth
§ Total Deposits increased to Rs2,96,868 crore as on June 30, 2025 as against Rs2,77,548 crore
as on June 30, 2024 registering a growth of 7% YoY.
§ CASA stood at Rs1,32,553 crore and CASA ratio stood at 44.65% as on June 30, 2025. As
on June 30, 2024 total CASA and CASA ratio were at Rs1,34,810 crore and 48.57%.
§ Net advances stood at Rs2,11,907 crore as on June 30, 2025 as against Rs1,94,026 crore as on
June 30, 2024 registering a growth of 9% YoY.
§ The composition of corporate v/s retail in gross advances portfolio stood at 30:70 as on June
30, 2025.
Asset Quality
§ Gross NPA ratio improved to 2.93% as on June 30, 2025 as against 3.87% as on June 30,
2024.
§ Net NPA ratio improved to 0.21% as on June 30, 2025 as against 0.23% as on June 30,
2024.
§ Provision Coverage Ratio (including Technical Write-Offs) stood at 99.31% as on June
30, 2025 from 99.34% as on June 30, 2024.
Capital Position
§ Tier 1 capital improved to 23.71% as on June 30, 2025 as against 20.26% as on June 30,
2024.
§ CRAR improved to 25.39% as on June 30, 2025 as against 22.42% as on June 30, 2024.
§ Risk Weighted Assets (RWA) stood at Rs1,92,965 crore as on June 30, 2025 as against
Rs1,77,755 crore as on June 30, 2024.
Significant Developments
· IDBI Bank was conferred with the Bhamashah Award from the State of Rajasthan for its
CSR contributions in the field of education.
· IDBI Bank was awarded for the OCEN – GeM (Government e Marketplace) Sahay 2.0
initiative at Finnoviti 2025.
· IDBI Bank was awarded the ‘Best Mobile Banking Service of the Year 2025’ by Synnex
India.
· IDBI Bank and the Regional Cancer Centre (RCC) in Thiruvananthapuram signed an MoU
for strengthening cancer treatment with upgraded equipments.
