Operating Performance for Q1 of FY 2026
- Net Profit improved by 17% in Q1-2026 to ₹2,007 crore as against net profit of ₹1,719 crore in Q1-2025.
- Operating profit improved by 13% in Q1-2026 to ₹2,354 crore as against ₹2,076 crore in Q1-2025.
- Net Interest Income stood at ₹3,166 crore in Q1-2026 as against ₹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 18 bps 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 ₹2,96,868 crore as on June 30, 2025 as against ₹2,77,548 crore as on June 30, 2024 registering a growth of 7% YoY.
- CASA stood at ₹1,32,553 crore and CASA ratio stood at 44.65% as on June 30, 2025. As on June 30, 2024 total CASA and CASA ratio were at ₹1,34,810 crore and 48.57%.
- Net advances stood at ₹2,11,907 crore as on June 30, 2025 as against ₹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 ₹1,92,965 crore as on June 30, 2025 as against ₹1,77,755 crore as on June 30, 2024.
Significant Developments
- IDBI Bank was conferred with the Bhamashah Award from the State of Rajasthan for its CSR contributions in the field of education.
- IDBI Bank was awarded for the OCEN – GeM (Government e Marketplace) Sahay 2.0 initiative at Finnoviti 2025.
- IDBI Bank was awarded the ‘Best Mobile Banking Service of the Year 2025’ by Synnex India.
- IDBI Bank and the Regional Cancer Centre (RCC) in Thiruvananthapuram signed an MoU for strengthening cancer treatment with upgraded equipments.