IDBI Bank Posts 5.3% Decline in Net Profit for Q4, Registers 17% YoY Growth in Net Interest Income
IDBI Bank Reports 5.3% Decline in Net Profit for Q4FY26
IDBI Bank has released its financial results for the fourth quarter of FY26, reporting a standalone net profit of ₹1,943.2 crore. This represents a decline of 5.3% from ₹2,051.2 crore in the year-ago period.
The bank's net interest income (NII) saw a significant increase of 17% year-on-year (YoY) to ₹3,851.5 crore from ₹3,290 crore. Additionally, the net interest margin (NIM) grew by 15 basis points (bps) YoY to 4.15%.
IDBI Bank's pre-provisions operating profit (PPOP) during the quarter under review dropped 4.73% to ₹3,043.38 crore from ₹3,194.81 crore, YoY.
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Asset Quality Improves
IDBI Bank has witnessed an improvement in its asset quality on a sequential basis. Gross non-performing assets (NPA) in the March quarter decreased 4.02% to ₹6,028.12 crore from ₹6,280.94 crore in the previous quarter. Net NPA declined 10.67% to ₹379.90 crore from ₹425.28 crore.
| Metric | Q4FY26 | Q4FY25 | YoY Change |
|---|---|---|---|
| Gross NPA (as a percent of gross advances) | 2.32% | 2.57% | -25 bps |
| Net NPA ratio | 0.15% | 0.18% | -3 bps |
Deposits, Loan Growth
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Total deposits of IDBI Bank increased by 12% YoY to ₹3,47,163 crore as on March 31, 2026, as against ₹3,10,212 crore as on March 31, 2025. CASA (Current and Savings Account) increased by 7% YoY to ₹1,54,816 crore from ₹1,44,398 crore, YoY. The CASA ratio stood at 44.59% as against 46.55%, YoY.
IDBI Bank's net advances grew by 16% YoY to ₹2,53,626 crore as on March 31, 2026, from ₹2,18,399 as on March 31, 2025. The composition of corporate versus retail in gross advances portfolio stood at 30:70 as on March 31, 2026.
Capital Adequacy
The bank's Capital to Risk-weighted Assets Ratio (CRAR) improved to 26.65% as on March 31, 2026, as against 25.05%, YoY. Tier 1 Capital improved to 25.56% as on March 31, 2026, as against 23.51% as on March 31, 2025.
At 2:15 PM, IDBI Bank share price was trading 1.19% lower at ₹75.86 apiece on the BSE.
Investor Takeaway
IDBI Bank's net profit declined by 5.3% in Q4, but net interest income grew 17% YoY.
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