IDBI Bank Q2 result: Net profit nearly doubles to ₹3,627 crore, asset quality improves

The net interest income (NII) declined 15.2% to ₹3,285 crore in the quarter ended September 2025, as against ₹3,875 crore in Q2 FY25.

The private lender's operating profit improved by 17% to ₹3,523 crore in the quarter under review in contrast to ₹3,006 crore in the corresponding quarter of the last fiscal year.

On the asset quality front, the gross non-performing asset (NPA) ratio improved to 2.65% in the reporting quarter as against 3.68% in Q2 FY25 and 2.93% quarter-on-quarter (QoQ). The Net NPA ratio remained flat at 0.21% QoQ.

The bank’s provision coverage ratio, including technical write-offs, stood at 99.26% as of September 30, 2025, compared with 99.42% a year earlier.

For Q2 FY26, total deposits crossed the ₹3 lakh crore mark, reaching ₹3,03,510 crore as of September 30, 2025, up 9% YoY from ₹2,77,602 crore a year earlier.

The current account savings account (CASA) stood at ₹1,39,036 crore, with a CASA ratio of 45.81%, compared with ₹1,33,639 crore and 48.14% as of Q2 FY25.

Net advances of IDBI Bank stood at ₹2,30,220 crore in Q2 FY26, up 15% year-on-year from ₹2,00,944 crore a year earlier. The bank’s gross advances portfolio maintained a corporate-to-retail composition of 29:71 in the reporting quarter.

The private lender’s Tier-1 capital improved to 23.79% in the September quarter, up from 19.89% a year earlier. The Capital to Risk-Weighted Assets Ratio (CRAR) also rose to 25.39% from 21.98% over the same period, while risk-weighted assets (RWA) increased to ₹2,08,546 crore YoY.

IDBI Bank share price

On Friday, IDBI Bank shares closed at ₹91.82 apiece on NSE, declining 0.53%.

Over the past five trading sessions, shares of the lender have slipped 1%, while they have gained 10.4% in a six-month period. From the beginning of the year, IDBI Bank’s shares have climbed nearly 20%.

The bank has a market capitalisation of ₹98,728.56 crore.