Earnings Review
IDBI Bk Q4 PAT dn YoY as provision reversal-gains moderate
This story was originally published at 17:11 IST on 30 April 2026
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--IDBI Bank Jan-Mar net profit INR 19.43 bln
--IDBI Bank Jan-Mar net profit INR 19.43 bln vs INR 20.51 bln year ago
--IDBI Bank Jan-Mar total income INR 94.09 bln vs INR 90.35 bln year ago
--IDBI Bank Jan-Mar provisions INR 2.85 bln vs INR 2.33 bln year ago
--IDBI Bank reversed NPA provisions of INR 11.48 bln in Jan-Mar
--IDBI Bank net NPA ratio 0.15% on Mar 31 vs 0.18% qtr ago
--IDBI Bank gross NPA ratio 2.32% on Mar 31 vs 2.57% qtr ago
--IDBI Bank Basel III capital adequacy ratio 26.65% on Mar 31
--IDBI Bank CASA ratio 44.59% on Mar 31 vs 46.55% year ago
--IDBI Bank deposits INR 3.47 tln on Mar 31, up 12% on year
--IDBI Bank net advances INR 2.54 tln on Mar 31, up 16% on year
--IDBI Bank Jan-Mar annualised net interest margin 4.15% vs 4.00% year ago
--IDBI Bank Jan-Mar net interest income INR 38.51 bln vs INR 32.90 bln yr ago
--IDBI Bank provision coverage ratio 99.39% on Mar 31
--IDBI Bank FY26 total income INR 357.44 bln vs INR 338.26 bln year ago
--IDBI Bank FY26 net profit INR 95.13 bln vs INR 75.15 bln year ago
By Krity Ambey
NEW DELHI – IDBI Bank reported a fall in net profits for the March quarter as the bank's gains from provision reversals due to recovery of bad loans moderated from the year-ago quarter. Sequentially, the lender's bottom line was largely flat.
IDBI Bank's net profit fell a little over 5% on year to INR 19.43 billion in the March quarter, as gains from bad loan recovery declined to INR 11.48 billion from INR 27.59 billion in the corresponding quarter a year ago. The bank's contingency provision also jumped 22% on year to INR 2.85 billion in Jan-Mar. The provision coverage ratio was 99.39% as of Mar. 31, including technical write-offs. The bank's total expenses for the reporting quarter rose 9% on year to INR 63.66 billion.
Shares of the bank, which had opened at INR 76.50 Thursday, fell on the National Stock Exchange following the March quarter earnings announcement. Its shares closed 1.1% lower at INR 75.88 on the NSE.
The bank's total income was stable with a 4% on-year rise to INR 94.10 billion in the March quarter. Sequentially, the lender's total income increased nearly 14% from INR 82.82 billion in the December quarter.
The net interest income--the difference between interest earned and interest expended--surged 17% on year and 20% on quarter to INR 38.51 billion in the March quarter. IDBI Bank's net interest margin expanded to 4.15% in Jan–Mar from 3.52% in the trailing quarter and 4.00% a year ago.
The lender's net non-performing asset ratio was flat on year at 0.15% as of Mar. 31, but improved from 0.18% as of Dec. 31. On other hand, asset quality recovered on a gross basis, with the gross non-performing asset ratio falling to 2.32% at the end of March from 2.57% as of Dec. 31 and 2.98% as of Mar. 31, 2025.
IDBI Bank's net advances grew 16% on year to INR 2.54 trillion as of Mar. 31, and deposits grew 12% on year to INR 3.47 trillion. The lender's current account savings account ratio was 44.59% as of Mar. 31, compared with 46.55% a year ago. Its capital adequacy ratio as of Mar. 31 was 26.65%.
The bank's net profit grew 27% to INR 95.13 billion in 2025–26 (Apr-Mar), owing to a gain of INR 10.88 billion from provision reversal. The bank's total income rose nearly 6% to INR 357.44 billion in FY26. End
Edited by Akul Nishant Akhoury
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