The financial results for the quarter and a half that ended on September 30, 2025, were made public by IDBI Bank on October 18. Compared to the net profit of Rs 1,836 crore in Q2-FY2025, the net profit increased by 98% to Rs 3,627 crore in Q2-FY2026, including profit on the sale of an investment in NSDL of Rs 1699 crore. In Q2-FY2026, operating profit increased by 17% to Rs 3,523 crore from Rs 3,006 crore in Q2-FY2025. While net interest margin (NIM) was 3.71% in Q2-FY2026, net interest income was Rs 3,285 crore in Q2-FY2026 compared to Rs 3,875 crore in Q2-FY2025.

In Q2-FY2026, return on assets (ROA) climbed by 158 basis points to 3.55%, up from 1.97% in Q2-FY2025. Cost of Funds improved to 4.82% in Q2-FY2026 from 4.87% in Q2-FY2025, while the bank’s cost of deposit was 4.69% in Q2-FY2026 compared to 4.65% in Q2-FY2025. In Q2-FY2026, IDBI Bank reported that its Return on Equity (ROE) improved to 29.64% from 20.35% in Q2-FY2025.

According to the bank, its total deposits surpassed Rs 3 trillion, reaching Rs 3,03,510 crore on September 30, 2025, up 9% year-on-year from Rs 2,77,602 crore on September 30, 2024. At the same period, CASA was at Rs 1,39,036 crore, and the CASA ratio was at 45.81%. The total CASA and CASA ratio as of September 30, 2024, were Rs 1,33,639 crore and 48.14%, respectively. According to IDBI Bank, its net advances increased by 15% YoY to Rs 2,30,220 crore as of September 30, 2025, from Rs 2,00,944 crore as of September 30, 2024.

Regarding asset quality, IDBI Bank said that the Gross Non-Performing Asset (NPA) ratio increased to 2.65% on September 30, 2025, from 3.68% on September 30, 2024, while the Net NPA ratio was 0.21% on September 30, 2025, from 0.20% on September 30, 2024. As of September 30, 2025, the bank’s provision coverage ratio (including technical write-offs) was 99.26% compared to 99.42% in the same period in 2024.