IDBI Bank Share Price in Focus; Reports 26% Jump in Q4 FY25 Profit

IDBI Bank Limited reported its financial results for the fourth quarter of FY 2025.  

Post the announcement, on April 29, 2025, IDBI Bank share price opened at ₹84.45, up from its previous close of ₹82.72. At 11:53 AM, the share price of IDBI Bank was trading at ₹82.79, up by 0.08% on the NSE. 

Q4 FY25 Performance Highlights 

The net profit for Q4 surged by 26% to ₹2,051 crore, compared to ₹1,628 crore in Q4 FY24. However, the Net Interest Income (NII) witnessed a decline, standing at ₹3,290 crore for Q4 FY25 as against ₹3,688 crore in the same quarter last year. 

Return on Assets (ROA) improved significantly by 29 basis points (bps) to 2.11% in Q4 FY25, compared to 1.82% in Q4 FY24. The cost of deposits rose slightly, reaching 4.83% from 4.48% a year ago. 

Business Growth Momentum 

IDBI Bank’s total business, comprising deposits and net advances, crossed the ₹5 trillion mark. Total deposits increased to ₹3,10,294 crore as of March 31, 2025, compared to ₹2,77,657 crore a year earlier. The CASA (Current Account Savings Account) deposits rose to ₹1,44,479 crore, although the CASA ratio declined slightly to 46.56% from 50.43% in the previous year. 

On the lending side, net advances grew by a robust 16% year-on-year (YoY) to ₹2,18,399 crore as of March 31, 2025, up from ₹1,88,621 crore last year. 

Asset Quality Improvement 

The bank showcased an improvement in asset quality. The Gross NPA ratio reduced to 2.98% as of March 31, 2025, compared to 4.53% a year earlier. Similarly, the Net NPA ratio improved to 0.15% from 0.34% over the same period. 

Full-Year FY25 Highlights 

For the full year FY 2025, IDBI Bank reported a net profit of ₹7,515 crore, marking a 33% YoY growth. The operating profit stood at ₹11,079 crore, up 16% YoY. Net Interest Margin (NIM) was healthy at 4.56%, and the Cost to Income ratio stood at 43.33%. The bank also strengthened its capital position with a CRAR of 25.05%. 

Return on Assets (ROA) and Return on Equity (ROE) improved to 1.98% and 20.15%, respectively. 

Also Read: IDFC FIRST Bank Reports 25% YoY Deposit Growth in FY25!

Conclusion 

IDBI Bank’s financial and operational performance in FY25 highlights its efforts to drive profitability, maintain asset quality, and strengthen its balance sheet.  

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