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IDBI Bank Ltd
NSE: IDBI BSE: 500116 INE008A01015 Financial Services Bank 🔎 Screen
NIFTY 500 Smallcap 100 Smallcap 250
₹3 Cr
Market Cap
0.00
P/B
5.9%
ROCE
14.1%
ROE
5.47
D/E
19.3%
Fin. Margin
-28.9%
% from 52W High
69
α RS
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📈 Price History
Ratio Health
Excellent
Good
Average
Poor
By Category
Shareholding
About

IDBI Bank is engaged in the business of Monetary intermediation of commercial banks, saving banks, postal savings bank and discount houses.

✓ Strengths 1
  • Company has delivered good profit growth of 43.5% CAGR over last 5 years
! Concerns 7
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 7.78% over past five years.
  • Tax rate seems low
  • Company has a low return on equity of 13.2% over last 3 years.
  • Contingent liabilities of Rs.2,89,480 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.6,637 Cr.
Key Ratios Snapshot
📊 Sector Averages
📈 Growth Pattern
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3-Statement Financial Model
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Mixed quarter: PAT down 5% YoY despite strong NII growth (17% YoY) and asset quality improvement, as other income fell 22% YoY and operating profit declined 5% YoY. quarter Investor Presentation One-Pager? Mar 2026
Revenue (Net Total Income)
₹5,462 Cr
+2% YoY (₹5,347 Cr in Q4 FY25)
EBITDA Margin (Operating Profit / Net Total Income)
55.7%
-400 bps YoY (59.7% in Q4 FY25)
PAT
₹1,943 Cr
-5% YoY (₹2,051 Cr); QoQ +0.4%
NIM
4.15%
+15 bps YoY, +63 bps QoQ
What Went Right
  • Net Interest Income grew 17% YoY to ₹3,851 Cr, aided by 16% YoY advance growth and 12% YoY deposit growth.
  • Net NPA improved 3 bps QoQ to 0.15%, GNPA fell 66 bps YoY to 2.32%, and PCR reached 99.39% (up 6 bps QoQ).
  • CASA ratio healthy at 44.59% with CASA deposits of ₹1,54,816 Cr, up 12% YoY.
  • Capital position very strong: CRAR 26.65%, Tier 1 25.56%, RWA grew 15% YoY to ₹2,23,246 Cr.
What to Watch
  • PAT fell 5% YoY due to 22% decline in other income (₹1,611 Cr vs ₹2,057 Cr), mainly lower recoveries from write-offs (₹371 Cr vs ₹1,095 Cr YoY) and lower profit on sale of investments.
  • Operating Profit decreased 5% YoY to ₹3,043 Cr, and cost-to-income ratio worsened to 46.50% from 43.33% a year ago.
  • ROA dropped 37 bps YoY to 1.75% and ROE plunged 605 bps to 14.35%, reflecting lower profitability relative to expanded equity base.
  • Provisions increased to ₹285 Cr (vs ₹233 Cr YoY) despite higher PCR, driven by depreciation on investments and higher bad debts written off (₹1,023 Cr vs ₹1,086 Cr).
Investor Lens
IDBI Bank delivered a mixed Q4 FY26: core NIM expansion (4.15%, +15 bps YoY) and pristine asset quality (GNPA 2.32%, PCR 99.39%) are clear positives, but the 5% YoY PAT decline and 605 bps ROE contraction raise caution. The sharp fall in other income (especially recoveries) and higher cost‑to‑income ratio (46.5% vs 43.3%) offset strong NII growth. Capital adequacy remains a fortress (CRAR 26.65%), providing headroom for growth. The thesis of a clean, well‑capitalised bank with improving core earnings is intact, but near‑term profitability is sensitive to volatile recoveries and cost control. Next quarter, watch trends in other income (particularly recovery momentum), NIM sustainability, and any further deterioration in cost ratios.
From investor presentation · AI-generated analysis · Not investment advice
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📈 STRONG Net profit up 5.3% YoY to ₹2,131 Cr; NIM expands to 23%
Revenue
Net interest income stood at ₹7,549 Cr, rising 7.4% YoY but declining 3.3% QoQ. Other income contributed ₹1,084 Cr, supporting overall revenue.
Profitability
Net profit rose 5.3% YoY and 5.9% QoQ to ₹2,131 Cr, with EPS improving to ₹1.98 from ₹1.88. ROE stood at 14.1%, reflecting healthy profitability.
Margins
Financing margin expanded sharply to 23% from 15% YoY and 14% QoQ, indicating improved net interest spread and better asset-liability management.
Cash Flow
Skip — not applicable for banking/financial companies
Balance Sheet
Balance sheet data not disclosed in detail. However, margin broadening suggests effective management of deposits and advances, supporting capital adequacy.
Key Risks
Sustaining NIM at elevated levels may be challenged by potential rate cuts or competitive pressure. Asset quality and credit costs remain key monitorables, along with regulatory developments.
Outlook
Strong profit growth and margin expansion position the bank well. However, QoQ revenue dip and reliance on other income warrant caution in the coming quarters.
Generated by AI · Jun 2026 results · Not investment advice
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Revenue by Segment

Segment Q3FY26 Q4FY26 Trend
Corporate/Wholesale Banking
2,046
2,419
Other Banking operations
131
192
Retail Banking
8,787
9,280
Treasury
3,549
3,623
Total 14,512 15,513

Source: NSE Integrated Filing XBRL (Reg. 33 Ind AS). Values in ₹ Crore.

🏦 Banking KPIs

NIM, GNPA, CASA, CAR, ROA, ROE and more — extracted from investor presentations
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Quarterly banking KPIs with historical trend — NIM, GNPA, CASA, CAR and more, AI-extracted from investor presentations
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📊 Analysis Methodology

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