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IDBI Bank Ltd

| Audited Standalone Financial Results for the Quarter and Year Ended March 31, 2026

Report Source

⬤30th Apr 26

Summary : IDBI Bank reported strong FY26 results with improved asset quality, high capital adequacy, and profitable divestments, despite minor regulatory and asset restructuring challenges.

Quarterly Report Analysis & Insights

Financial Disclosures

  1. Standalone Interest Expended: ₹15,485.61 crore (FY26).
  2. Consolidated Interest Expended: ₹15,474.48 crore (FY26).
  3. Standalone Operating Expenses: ₹9,420.40 crore (FY26).
  4. Consolidated Operating Expenses: ₹9,575.06 crore (FY26).
  5. Standalone Provisions (Net of reversals): (₹1,088.35) crore (FY26).
  6. Consolidated Provisions (Net of reversals): (₹1,076.36) crore (FY26).
  7. Standalone Total Income: ₹35,743.53 crore (FY26).
  8. Consolidated Total Income: ₹35,631.19 crore (FY26).
  9. Standalone Interest Earned: ₹28,997.26 crore (FY26).
  10. Consolidated Interest Earned: ₹29,019.59 crore (FY26).
  11. Standalone Other Income: ₹6,746.27 crore (FY26).
  12. Consolidated Other Income: ₹6,611.60 crore (FY26).
  13. Interest earned - Others includes ₹329.34 crore income tax refund.
  14. Other income includes fees, commission, foreign exchange, derivatives, mark-to-market provisions, dividend, and recoveries from written-off advances.
  15. Standalone Net Cash flow from Operating activities: ₹16,752.30 crore (FY26).
  16. Consolidated Net Cash flow from Operating activities: ₹16,761.74 crore (FY26).
  17. Standalone Net Cash flow from Investing activities: ₹1,428.03 crore (FY26).
  18. Consolidated Net Cash flow from Investing activities: ₹1,422.15 crore (FY26).
  19. Standalone Net Cash flow from Financing activities: (₹5,777.60) crore (FY26).
  20. Consolidated Net Cash flow from Financing activities: (₹5,764.61) crore (FY26).
  21. Standalone Cash & Cash Equivalents at end of period: ₹56,837.76 crore (FY26).
  22. Consolidated Cash & Cash Equivalents at end of period: ₹56,914.71 crore (FY26).
  23. Revaluation of two immovable properties by ₹2,121.82 crore due to legal restrictions on sale.
  24. Standalone Total Assets: ₹4,66,559.66 crore (FY26).
  25. Consolidated Total Assets: ₹4,67,386.11 crore (FY26).
  26. Standalone Deposits: ₹3,47,162.68 crore (FY26).
  27. Consolidated Deposits: ₹3,46,776.14 crore (FY26).
  28. Standalone Advances: ₹2,53,626.07 crore (FY26).
  29. Consolidated Advances: ₹2,53,623.57 crore (FY26).
  30. Standalone Investments: ₹1,28,011.25 crore (FY26).
  31. Consolidated Investments: ₹1,28,440.14 crore (FY26).
  32. Standalone Reserves and Surplus: ₹56,885.18 crore (FY26).
  33. Consolidated Reserves and Surplus: ₹57,811.76 crore (FY26).
  34. Subsidiaries: IDBI Capital Markets & Securities, IDBI Intech, IDBI MF Trustee Company, IDBI Asset Management, IDBI Trusteeship Services.
  35. Associates: North Eastern Development Finance Corporation, Biotech Consortium India Limited.
  36. Both Standalone and Consolidated Financial Results are presented and audited.

Corporate Overview

  1. International Operations through GIFT City included in Corporate/Wholesale Banking segment.
  2. Regulatory provision of ₹167.02 crores for Resolution Framework 1.0 and 2.0.
  3. Additional provision of ₹1,124.01 crores for restructured Retail and Corporate borrowers.
  4. Impact assessment of new Labour Codes (provision of ₹32.88 crores) is ongoing.
  5. Legal developments restrict sale of two immovable properties.
  6. Compliance with RBI guidelines and circulars.
  7. Compliance with SEBI (LODR) Regulations.
  8. Reportable segments include Treasury, Corporate/Wholesale Banking, Retail Banking, and other Banking operations.
  9. Segments identified based on nature, risk profile of products/services, target customer, and internal reporting.
  10. Corporate/Wholesale banking
  11. Retail banking
  12. Treasury
  13. Other banking operations
  14. Standalone Capital Adequacy Ratio (Basel III): 26.65% (FY26)
  15. Standalone CET I Ratio: 25.56% (FY26)
  16. Consolidated Capital Adequacy Ratio (Basel III): 26.80% (FY26)
  17. Consolidated CET I Ratio: 25.71% (FY26)
  18. Digital Banking to be reported as part of Retail Banking (Units not yet operational).
  19. Sold 11.11% shareholding in NSDL for ₹1,706.91 crore net gain.
  20. Reclassified residual NSDL investment to Available For Sale (AFS) category.
  21. Sold entire stake in PIPDIC for ₹18.83 crore.

Risk Factors

  1. Pillar 3 disclosures un-audited by statutory auditors.
  2. Provisions for restructured retail, corporate borrowers.
  3. Uncertainty from new labor codes implementation.
  4. Legal issues restrict sale of properties.

Key Drivers

  1. Asset quality significantly improved, very low net NPAs.
  2. High provision coverage ratio, strong balance sheet.
  3. Capital adequacy ratios well above regulatory norms.
  4. Profitable divestment of NSDL stake.

Auditor’s Report

  1. Unmodified opinion on Standalone and Consolidated Financial Results.
  2. Disclosures relating to Pillar 3 under Basel III Capital Regulation (Leverage Ratio, Liquidity Coverage Ratio, Net Stable Funding Ratio) on Bank's website were not audited.

Board Commentary

  1. Legal developments affecting two immovable properties, restricting sale.

Management Discussion & Analysis

Operational Focus Areas

  1. Co-Lending Arrangements (CLAs) with 9 partners, 40,266 loan accounts, ₹886.30 crore outstanding.
  2. CLAs cover Secured/Unsecured MSME, Housing, Agri Gold, Commercial Vehicle loans.
  3. CLAs performance: ₹873.43 crore standard loans, ₹12.87 crore non-performing loans.

Performance Drivers

  1. Standalone EPS (Basic & Diluted): ₹8.85 (FY26).
  2. Consolidated EPS (Basic & Diluted): ₹8.57 (FY26).
  3. Standalone Net Interest Margin % (Annualised): 3.77% (FY26).
  4. Standalone Return on Assets % (Annualised): 2.27% (FY26).
  5. Provision Coverage Ratio (including Technical Write-Offs): 99.39% (FY26).

Risk Control Measures

  1. Reversed provisions of ₹30.69 crore for sale of stressed loans.
  2. 100% provision maintained on Security Receipts (SRs) investment of ₹4,097.38 crore.
  3. Government guaranteed SRs fully provided for, reversals on actual recovery.

Critical Risks

  1. Standalone Gross NPAs: ₹6,028.12 crore (FY26).
  2. Standalone Net NPAs: ₹379.90 crore (FY26).
  3. Standalone % of Gross NPAs to Gross Advances: 2.32% (FY26).
  4. Standalone % of Net NPAs to Net Advances: 0.15% (FY26).
  5. Stressed loans transferred during Q4 FY26: ₹239.27 crore to ARCs, ₹128.32 crore to permitted transferees.