Mumbai, Jan 17 — IDBI Bank Limited reported a robust performance for the quarter and nine months ended December 31, 2025, demonstrating sustained momentum in profitability, asset quality improvement, and balance sheet growth.
Key Highlights – Q3 FY26
The Bank posted a net profit of ₹1,935 crore for the third quarter of FY26, underscoring continued earnings strength. Operating profit for the quarter stood at ₹1,917 crore, reflecting healthy core operating performance.
Total business reached ₹5,46,643 crore, registering a 12% year-on-year (YoY) growth. This growth was driven by steady expansion in both deposits and advances.
- Total deposits stood at ₹3,07,858 crore, up 9% YoY
- Net advances increased to ₹2,38,786 crore, marking a strong 15% YoY growth
Capital Adequacy and Liquidity Remain Strong
IDBI Bank maintained a robust capital position, with the Capital to Risk-Weighted Assets Ratio (CRAR) at 24.63%, improving by 265 basis points YoY, providing ample headroom for future growth.
The Bank’s CASA deposits stood at ₹1,35,632 crore, reflecting a 4% YoY growth, while the CASA ratio improved to 44.06%, supporting a stable and low-cost funding profile.
Asset Quality Continues to Improve
Asset quality indicators showed further strengthening during the quarter. Gross NPA declined to 2.57%, reflecting a 100 basis points YoY reduction, while Net NPA remained at a low 0.18%.
The Provision Coverage Ratio (PCR) stood at an impressive 99.33%, highlighting the Bank’s conservative provisioning approach and strong balance sheet resilience.
Outlook
With consistent improvement in profitability, strong capital adequacy, declining NPAs, and steady growth in advances and deposits, IDBI Bank Limited remains well-positioned to sustain its growth trajectory and support credit demand across key sectors in the coming quarters.
