IDBI Bank (IDBI) Q2 25/26 earnings summary

Executive summary

• Net profit for the quarter ended September 30, 2025, rose to ₹3,627 crore (standalone) and ₹3,230 crore (consolidated), showing strong year-over-year growth.

• Operating profit (standalone) increased to ₹3,523 crore, up from ₹3,006 crore in the same quarter last year.

• Significant one-time gain from the sale of NSDL shares contributed to other income and net profit.

Financial highlights

• Standalone total income for the quarter was ₹9,594 crore, up from ₹8,755 crore year-over-year.

• Net interest margin (NIM) stood at 3.71% (annualized), compared to 4.87% in the same quarter last year.

• Gross NPA ratio improved to 2.65% from 3.68% year-over-year; net NPA at 0.21%.

• Provision coverage ratio (including technical write-offs) at 99.26%.

• Consolidated total income for the quarter was ₹9,264 crore, with net profit at ₹3,230 crore.

Outlook and guidance

• Management continues to hold regulatory and additional provisions for restructured assets, indicating a cautious approach to asset quality.

• No material changes in accounting policies; RBI circulars are implemented prospectively.