IDBI Bank announced a net profit of ₹3,229.58 crore for the quarter ended September 30, 2025 (Q2 FY26). The bank’s total income reached ₹9,263.53 crore, while net interest income stood at ₹5,446.70 crore. The Gross NPA ratio improved to 2.65%, and the Net NPA ratio stood at 0.21%. The Capital Adequacy Ratio was strong at 25.53%. The bank’s strong Q2 performance highlights its continued financial improvement and stability.
Financial Performance Highlights
IDBI Bank reported a net profit of ₹3,229.58 crore for Q2 FY26, showcasing significant financial strength. Total income increased to ₹9,263.53 crore, contributing to overall profitability. Key financial metrics reflect continued positive momentum for the bank.
Key Financial Ratios
The bank’s financial health is underscored by the following key ratios:
- Gross NPA: 2.65%
- Net NPA: 0.21%
- Capital Adequacy Ratio: 25.53%
These figures demonstrate improved asset quality and strong capital buffers. Net Interest Income remained robust at ₹5,446.70 crore. The operating profit for the quarter was ₹3,146.95 crore.
Segment Performance
The bank’s key segments contributed significantly to its overall performance:
- Corporate/Wholesale banking reported a profit before tax of ₹795.77 crore.
- Retail banking delivered a profit before tax of ₹987.09 crore.
- Treasury operations generated a profit before tax of ₹2,330.94 crore.
Capital Adequacy
The bank’s capital position remains robust, with a Capital Adequacy Ratio of 25.53%, well above regulatory requirements. This strong capital base provides a solid foundation for future growth and stability. Tier 1 capital was strong with CET 1 ratio at 23.94%.
Asset Quality
IDBI Bank continued to improve its asset quality, with the Gross NPA ratio declining to 2.65% and the Net NPA ratio at 0.21%. This reflects the bank’s focus on prudent risk management and effective recovery efforts.
Shareholding
Government of India continues to hold 45.48% stake in the bank.
Source: BSE
