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IDBI Bank Q4 Results OUT! Net profit at Rs 1,943 crore, NII rises 17% - Check CASA, NPA and other details
IDBI Bank Limited has reported financial performance for the financial year 2025-26, with steady growth in profit, business size, and asset quality improvement on a year-on-year basis.
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IDBI Bank Limited has reported financial performance for the financial year 2025–26. Image Credit: ANI
Written By: Anubhav Maurya
Updated: Thu, Apr 30, 2026
03:01 PM IST
03:01 PM IST
ZeeBiz WebDesk
IDBI Bank Limited has reported financial performance for the financial year 2025-26, with steady growth in profit, business size, and asset quality improvement on a year-on-year basis.
For the fourth quarter of FY26, the bank reported a net profit of Rs 1,943 crore, down 5.3 per cent from Rs 2,051.2 crore in the same period last year. Operating profit for the quarter stood at Rs 3,043 crore.
Net interest income (NII) was reported at Rs 3,851 crore, showing a year-on-year growth of 17 per cent.
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Total business of the bank, which includes deposits and net advances, crossed the Rs 6 trillion mark during the year. It stood at Rs 6,00,789 crore as on March 31, 2026, registering a year-on-year growth of 14 per cent.
Deposits and CASA performance
On the liability side, total deposits increased by 12 per cent to Rs 3,47,163 crore as on March 31, 2026, compared to Rs 3,10,212 crore in the previous year. The bank’s CASA (current account and savings account) deposits also rose by 7 per cent year-on-year to Rs 1,54,816 crore as against Rs 1,44,398 crore last year.
However, the CASA ratio stood at 44.59 per cent as on March 31, 2026, compared to 46.55 per cent in the previous year.
Advances and business composition
On the asset side, net advances grew by 16 per cent year-on-year to Rs 2,53,626 crore as on March 31, 2026, compared to Rs 2,18,399 crore in the previous year.
The bank said the composition of its gross advances portfolio stood at 30 per cent corporate and 70 per cent retail as on March 31, 2026.
Net interest margin (NIM) stood at 4.15 per cent, higher by 15 basis points compared to the same period last year. Return on assets (ROA) for the quarter stood at 1.75 per cent.
The bank’s net profit for FY26 rose 27 per cent to Rs 9,513 crore compared to the previous financial year. The management said the growth reflects stable earnings performance across key business segments.
Asset quality and risk position
The bank’s asset quality showed improvement during the year. Gross non-performing assets (GNPA) ratio declined to 2.32 per cent as on March 31, 2026, compared to 2.98 per cent a year earlier. This reflects a decline of 66 basis points.
Net NPA remained stable at 0.15 per cent as on March 31, 2026. Provision coverage ratio (PCR), including technical write-offs, stood at 99.39 per cent. The bank said PCR has remained above 99 per cent since September 2023.
Capital adequacy and key ratios
On the capital front, the capital adequacy ratio (CRAR) improved to 26.65 per cent as on March 31, 2026, compared to 25.05 per cent in the previous year. This shows an increase of 160 basis points.
Tier 1 capital stood at 25.56 per cent as on March 31, 2026, compared to 23.51 per cent last year. Risk-weighted assets stood at Rs 2,23,246 crore as on March 31, 2026, compared to Rs 1,93,485 crore in the previous year.
Net credit-deposit ratio stood at 73.06 per cent, up by 266 basis points year-on-year. Return on assets for FY26 stood at 2.27 per cent, compared to 1.98 per cent in FY25.
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Anubhav Maurya
Anubhav Maurya
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