IDBI Bank announced a net profit of ₹1,935 crore for Q3 FY2026, alongside strong growth in total business and deposits. The bank’s asset quality improved, with a reduction in gross NPA. Key ratios such as CRAR and provision coverage also showed positive trends. These results reflect IDBI Bank’s continued focus on sustainable growth and improved financial performance.
Financial Performance Highlights
For the quarter ended December 31, 2025 (Q3 FY2026), IDBI Bank reported the following key financial results:
- Net Profit: ₹1,935 crore
- Operating Profit: ₹1,917 crore
Key Growth Metrics
IDBI Bank demonstrated notable growth across several key metrics during Q3 FY2026:
- Total Business: Increased to ₹5,46,643 crore, a YoY growth of 12%.
- Total Deposits: Reached ₹3,07,858 crore, reflecting a YoY growth of 9%.
- Net Advances: Stood at ₹2,38,786 crore, with a YoY growth of 15%.
- CASA: Increased to ₹1,35,632 crore, a YoY growth of 4%; CASA ratio at 44.06%
Asset Quality Improvement
The bank also reported improvements in asset quality:
- Gross NPA: Reduced to 2.57%, a YoY reduction of 100 bps.
- Net NPA: Stood at 0.18%.
- Provision Coverage Ratio (PCR): Increased to 99.33%.
Capital Adequacy
IDBI Bank maintained a strong capital position:
- CRAR: Stood at 24.63%, a YoY growth of 265 bps.
- Tier-1 Capital: Improved to 23.53% as on December 31, 2025.
Other Key Ratios
- Return on Assets (ROA): 1.83% in Q3-FY2026
- Cost to Income Ratio: Stood at 56.61% in Q3-FY2026.
- Net Interest Margin (NIM): Stood at 3.52% in Q3-FY2026.
Significant Recognition
IDBI Bank was recognized as the ‘Best Private Sector Bank’ at the SAMAAH event for its contribution to the TReDS platform and received the ET BFSI Exceller 2025 Award for Excellence in Security and Fraud Risk Management.
Source: BSE
