IDBI Bank Reports Q3 FY2026 Net Profit of ₹1,935 Crore
Filing Summary
IDBI Bank Ltd. released its financial results for the quarter and nine months ending December 31, 2025. The bank reported a net profit of ₹1,935 crore for Q3 FY2026, a slight increase from ₹1,908 crore in Q3 FY2025. Total business grew by 12% year-on-year to ₹5,46,643 crore. The bank’s gross NPA ratio improved to 2.57%, down by 100 basis points from the previous year. Capital adequacy ratio increased to 24.63%. The results were approved by the Board of Directors on January 17, 2026.
IDBI Bank Ltd. has announced its financial results for the quarter and nine months ending December 31, 2025. The bank reported a net profit of ₹1,935 crore for Q3 FY2026, compared to ₹1,908 crore in the same quarter of the previous fiscal year. The return on assets (ROA) was 1.83%, while the return on equity (ROE) stood at 14.49% for the quarter. The cost of deposit remained stable at 4.62%, and the cost of funds improved to 4.74%.
The bank’s operating profit for Q3 FY2026 was ₹1,917 crore. Total business reached ₹5,46,643 crore, marking a 12% year-on-year growth. Total deposits increased by 9% to ₹3,07,858 crore, while net advances grew by 15% to ₹2,38,786 crore. The capital adequacy ratio (CRAR) improved to 24.63%, with a year-on-year increase of 265 basis points. The gross NPA ratio decreased to 2.57%, a reduction of 100 basis points from the previous year. The net NPA ratio remained at 0.18%, and the provision coverage ratio (PCR) was 99.33%.
The cost to income ratio for Q3 FY2026 was 56.61%, and the net interest margin (NIM) stood at 3.52%. The CASA amounted to ₹1,35,632 crore, with a CASA ratio of 44.06%. The composition of corporate versus retail in the gross advances portfolio was 29:71. The bank’s tier-1 capital improved to 23.53%, and the risk-weighted assets (RWA) were ₹2,11,567 crore.
Significant developments during the period include IDBI Bank being recognized as the ‘Best Private Sector Bank- Highest Throughput & Digital Adoption’ by M1 Xchange at the SAMAAH event. Additionally, the bank received the ET BFSI Exceller 2025 Award for Excellence in Security and Fraud Risk Management.
The Board of Directors of IDBI Bank Ltd. approved the financial results on January 17, 2026. The results reflect the bank’s operational performance and financial position as of December 31, 2025.
IDBI Bank Ltd. is a prominent financial institution in India, focusing on providing a range of banking and financial services. The bank is committed to enhancing its digital capabilities and improving its asset quality. It continues to focus on expanding its retail and corporate banking segments while maintaining a strong capital base.