IDBI Bank Limited announced its unaudited financial results for the quarter and nine months ended December 31, 2025, reporting a net profit of Rs 1,935 crore for Q3 FY26, marginally higher than Rs 1,908 crore recorded in the same quarter last year.
The bank’s operating profit for the quarter stood at Rs 1,917 crore, reflecting stable operating performance amid a challenging interest rate environment.
The bank’s total business expanded to Rs 5,46,643 crore as of December 31, 2025, registering a year-on-year growth of 12 per cent. Total deposits grew by 9 per cent to Rs 3,07,858 crore, while net advances increased by a robust 15 per cent to Rs 2,38,786 crore, driven largely by retail-led growth. CASA deposits stood at Rs 1,35,632 crore, with a CASA ratio of 44.06 per cent, highlighting the bank’s continued focus on low-cost funding.
Asset quality showed sustained improvement, with the gross non-performing asset ratio declining to 2.57 per cent from 3.57 per cent a year ago. Net NPA remained stable at a low 0.18 per cent, while the provision coverage ratio stood at a strong 99.33 per cent, underscoring the bank’s conservative provisioning approach.
IDBI Bank’s capital position strengthened further during the quarter, with the capital adequacy ratio improving to 24.63 per cent and Tier-1 capital rising to 23.53 per cent, providing ample headroom to support future growth. Return on assets stood at 1.83 per cent, while return on equity was recorded at 14.49 per cent for the quarter.
During the period, the bank also received industry recognition for its digital and risk management initiatives. IDBI Bank was awarded “Best Private Sector Bank – Highest Throughput & Digital Adoption” by M1 Xchange for its contribution to the TReDS platform and was conferred the ET BFSI Exceller 2025 Award for excellence in security and fraud risk management.
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