IDBI Bank announced a net profit of ₹1,935 crore for the third quarter of fiscal year 2026. Total business reached ₹5,46,643 crore, a 12% year-over-year increase. Deposits grew by 9% to ₹3,07,858 crore, while net advances increased by 15% to ₹2,38,786 crore. The bank’s gross NPA decreased to 2.57%, and the CRAR stood at 24.63%.
Financial Performance in Q3 FY2026
IDBI Bank reported a net profit of ₹1,935 crore for Q3 FY2026, compared to ₹1,908 crore in Q3 FY2025. The operating profit stood at ₹1,917 crore.
Key highlights include:
- Total business: ₹5,46,643 crore, a 12% YoY growth.
- Total deposits: ₹3,07,858 crore, reflecting a 9% YoY increase.
- Net advances: ₹2,38,786 crore, up 15% YoY.
Asset Quality and Capital Adequacy
The bank’s asset quality showed improvement:
- Gross NPA: Reduced to 2.57%, a YoY reduction of 100 bps.
- Net NPA: Stood at 0.18%.
- Provision Coverage Ratio (PCR): Maintained at 99.33%.
Capital adequacy remained strong, with the CRAR at 24.63%.
Key Ratios
Other important financial ratios include:
- Return on Assets (ROA): 1.83% for Q3 FY2026.
- Cost of Deposit: 4.62% in Q3-FY2026.
- Cost of Funds: Improved to 4.74% in Q3-FY2026.
- Return on Equity (ROE): 14.49% in Q3-FY2026.
Business Growth and CASA
Total deposits reached ₹3,07,858 crore as of December 31, 2025, compared to ₹2,82,439 crore a year prior, representing a 9% YoY growth.
CASA stood at ₹1,35,632 crore, with a CASA ratio of 44.06% as of December 31, 2025.
Source: BSE
