Summary

IDBI Bank Ltd has reported a net profit of ₹ 1,935 Crore for the quarter ended December 31, 2025, representing a 12% year-over-year total business growth. The bank's total business stands at ₹ 5,46,643 crore, with total deposits at ₹ 3,07,858 cr and net advances at ₹ 2,38,786 cr. The bank's CRAR is at 24.63%, with a gross NPA of 2.57% and a net NPA of 0.18%. The provision coverage ratio is at 99.33% and CASA is at ₹ 1,35,632 cr, representing a YoY growth of 4% and a CASA ratio of 44.06%.

Key Highlights

1. 1

   Net Profit recorded at ₹ 1,935 crore

2. 2

   Operating Profit recorded at ₹ 1,917 crore

3. 3

   Total Business stood at ₹ 5,46,643 crore, YoY growth of 12%

4. 4

   Total Deposits stood at ₹ 3,07,858 cr, YoY growth of 9%

5. 5

   Net Advances stood at ₹ 2,38,786 cr, YoY growth of 15%

6. 6

   CRAR at 24.63%, YoY growth by 265 bps

7. 7

   Gross NPA down to 2.57%, YoY reduction by 100 bps

8. 8

   Net NPA stood at 0.18%

9. 9

   Provision Coverage Ratio (PCR) at 99.33%

10. 10

    CASA at ₹ 1,35,632 cr, YoY growth of 4%

11. 11

    CASA ratio at 44.06%

12. 12

    Return on Assets (ROA) stood at 1.83%

13. 13

    Cost of Deposit stood at 4.62%

14. 14

    Cost of Funds improved to 4.74%

15. 15

    Return on Equity (ROE) stood at 14.49%

16. 16

    Cost to Income Ratio stood at 56.61%

17. 17

    Net Interest Margin (NIM) stood at 3.52%

18. 18

    Total Deposits increased to ₹ 3,07,858 crore

19. 19

    Net advances stood at ₹ 2,38,786 crore

20. 20

    Gross NPA ratio improved to 2.57%

21. 21

    Net NPA ratio remained at 0.18%

22. 22

    Provision Coverage Ratio (including Technical Write-Offs) stood at 99.33%

23. 23

    Tier-1 Capital improved to 23.53%

24. 24

    CRAR improved to 24.63%

25. 25

    Risk Weighted Assets (RWA) stood at ₹ 22,11,567 crore