IDBI Bank Limited announced the financial results for the first quarter of FY-2026.

Operating Performance for Q1of FY 2026

• Net Profit improved by 17% in Q1-2026 to Rs 2,007crore as against net profit of Rs 1,719 crore in Q1-2025.
• Operating profit improved by 13% in Q1-2026 to Rs 2,354 crore as against Rs 2,076 crore in Q1-2025.
• Net Interest Income stood at Rs 3,166crore in Q1-2026 as against Rs 3,233 crore in Q1-2025.
• Net Interest Margin (NIM) stood at 3.68% in Q1-2026 as compared to 4.18% in Q1-2025.
• Return on Assets (ROA) improved by 18bps 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 Rs 2,96,868 crore as on June 30, 2025, as against Rs 2,77,548 crore as on June 30, 202,4, registering a growth of 7% YoY.
• CASA stood at Rs 1,32,553 crore and CASA ratio stood at 44.65% as on June 30, 2025. As of June 30, 2024, total CASA and CASA ratio were at Rs 1,34,810 crore and 48.57%.
• Net advances stood at Rs 2,11,907 crore as on June 30, 202,5, as against Rs 1,94,026 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 Rs 1,92,965crore as on June 30, 202,5, as against Rs 1,77,755 crore as on June 30, 2024.

Priyanka Dutta