IDBI Bank Q3 Results: Net Profit stood at Rs 1,935 crore, Gross NPA improves by 2.57 pc

Disinvestment backed IDBI Bank has announced the third quarter financial results of the 2025-26, ended December 31, 2025

The operating profit for Q3 of FY 2026 is at Rs 1,917 crore. The Net Profit is improved in Q3-FY2026 to Rs 1,935 crore as against net profit of Rs 1,908 crore in Q3-FY2025.

While Return on Assets (ROA) stood at 1.83% in Q3-FY2026 as compared to 1.99% for Q3-FY2025.

The Cost of Deposit stood at 4.62% in Q3-FY2026 which is at the same level i.e. 4.62% in Q3-FY2025.

The Cost of Funds improved to 4.74% in Q3-FY2026 as compared to 4.82% in Q3-FY2025. Return on Equity (ROE) stood at 14.49% in Q3-FY2026.

The Net Interest Margin (NIM) stood at 3.52% in Q3-FY2026.

In terms of Business Growth:

The Total Deposits increased to Rs 3,07,858 crore as on December 31, 2025 as against Rs 2,82,439 crore as on December 31, 2024 registering a growth of 9% YoY.

The CASA stood at Rs 1,35,632 crore and CASA ratio stood at 44.06% as on December 31, 2025. As on December 31, 2024 total CASA and CASA ratio were at Rs 1,30,899 crore and 46.35%, respectively.

Meanwhile, Net advances stood at Rs 2,38,786 crore as on December 31, 2025 as against Rs 2,06,807 crore as on December 31, 2024 registering a growth of 15% YoY.

The composition of Corporate v/s Retail in Gross Advances portfolio stood at 29:71 as on December 31, 2025.

In terms of Asset Quality:

The Gross NPA ratio improved to 2.57% as on December 31, 2025 as against 3.57% as on December 31, 2024, down by 100 bps.

Net NPA ratio remained at 0.18% as on December 31, 2025.