IDBI Bank (IDBI) Q1 25/26 earnings summary

Executive summary

• Net profit for Q1 FY26 (June 30, 2025) rose to ₹2,007.36 crore standalone and ₹2,019.18 crore consolidated, up from ₹1,719.27 crore and ₹1,734.32 crore respectively year-over-year.

• Total income increased to ₹8,458.02 crore standalone and ₹8,498.53 crore consolidated, compared to ₹7,471.25 crore and ₹7,527.16 crore in Q1 FY25.

• Operating profit improved to ₹2,354.04 crore standalone and ₹2,377.74 crore consolidated, up from ₹2,075.53 crore and ₹2,102.32 crore year-over-year.

Financial highlights

• Net Interest Margin (NIM) stood at 3.68% standalone, down from 4.18% year-over-year.

• Gross NPA ratio improved to 2.93% from 3.87% year-over-year; Net NPA at 0.21% from 0.23%.

• Provision Coverage Ratio (including technical write-offs) at 99.31% as of June 30, 2025.

• Return on Assets (annualized) at 2.01% standalone, up from 1.83% year-over-year.

• Basic EPS for the quarter at ₹1.87 standalone and ₹1.88 consolidated, up from ₹1.60 and ₹1.61 year-over-year.

Outlook and guidance

• Board proposed a final dividend of ₹2.1 per share for FY25, subject to shareholder approval.

• No material change in accounting policies; all RBI circulars implemented prospectively.