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IDBI Bank reported a 5 per cent decline in its net profit for the March quarter of FY 2025–26, even as its total income and core interest income showed growth. The bank’s profit stood at INR 1,943 crore compared to INR 2,051 crore in the same period last year, mainly due to lower operating profit. However, asset quality improved with a decline in gross non-performing assets, while capital adequacy strengthened further. For the full financial year, the bank recorded a healthy rise in net profit and steady improvement in income levels and balance sheet strength.
IDBI Bank reported a 5 per cent decline in net profit for the March quarter of FY 2025–26, with profit coming in at INR 1,943 crore compared to INR 2,051 crore in the corresponding period of the previous year. Advertisement
The decline in profit was mainly linked to a drop in operating profit, which reduced to INR 3,043 crore from INR 3,195 crore a year earlier. Despite this, the bank’s total income improved to INR 9,409 crore from INR 9,035 crore in the same quarter of the previous fiscal year.
Interest income also showed an increase, rising to INR 7,798 crore from INR 6,979 crore in the comparable period last year. Net interest income (NII) improved to INR 3,851 crore, compared with INR 3,290 crore in the corresponding quarter of FY25, reflecting better core lending performance.
On the asset quality front, the bank showed improvement as gross non-performing assets (NPAs) declined to 2.32 per cent of gross advances as of March 31, 2026, compared to 2.98 per cent a year earlier. Net NPAs remained stable at 0.15 per cent of advances during the same period.
Provision coverage ratio, including technical write-offs, stood strong at 99.39 per cent as of March 31, 2026, and has remained above 99 per cent since September 2023, indicating consistent risk management.
For the full financial year 2025–26, the bank’s net profit increased by 27 per cent to INR 9,513 crore, compared to INR 7,515 crore in the previous year. Total income for the year also rose to INR 35,744 crore from INR 33,826 crore in FY25.
The capital adequacy ratio strengthened further to 26.65 per cent as of March 31, 2026, compared to 25.05 per cent a year earlier, reflecting a stronger capital position and improved financial stability.
Source PTI
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