IDBI Bank reports record net profit of Rs 7,515 crore in FY25, up 33% YoY

IDBI Bank

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PSU lender IDBI Bank announced its results for the fourth quarter and full year ended March 31, 2025, reporting a 33 percent year-on-year jump in net profit at Rs 7,515 crore.

In a statement following the Board meeting held on April 28, the bank revealed that operating profit for FY25 rose 16 percent to Rs 11,079 crore, while the Net Interest Margin (NIM) stood at 4.56 percent.

Return on Assets (ROA) improved to 1.98 percent, and Return on Equity (ROE) climbed to 20.15 percent.

The bank’s Cost-to-Income ratio moderated to 43.33 percent.

Its business (deposits plus net advances) crossed the Rs 5 lakh crore mark, with total deposits rising 12 percent to Rs 3,10,294 crore and net advances growing 16 percent to Rs 2,18,399 crore.

In terms of asset quality, its Gross Non-Performing Assets (NPA) declining sharply to 2.98 percent from 4.53 percent a year ago, and Net NPA improving to a mere 0.15 percent.

Provision Coverage Ratio (PCR) strengthened further to 99.48 percent.

For the January-March quarter (Q4 FY25), IDBI Bank reported a 26 percent year-on-year rise in net profit to Rs 2,051 crore.

Net Interest Income (NII) for the quarter declined 11 percent year-on-year to Rs 3,290 crore.

Operating profit for Q4 FY25 surged 47 percent year-on-year to Rs 3,195 crore.

Capital adequacy remained robust with the Capital to Risk-Weighted Assets Ratio (CRAR) at a healthy 25.05 percent, up 279 basis points from the previous year, and Common Equity Tier 1 (CET-1) ratio at 23.51 percent.

The Board of Directors has proposed a dividend of 21 percent for FY25, subject to shareholders’ approval at the upcoming Annual General Meeting.