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IDBI Bank’s Q1 Snapshot: Steady Growth in Advances and Deposits Signals Stable Momentum

Updated: July 04, 2025 16:43

Image Source: Moneycontrol

IDBI Bank Ltd has reported a 9% year-on-year (YoY) rise in net advances and a 7% YoY increase in total deposits as of June 30, 2025, reflecting continued traction in its core banking operations despite a high base and tightening liquidity environment.

Key Highlights:

- Net Advances:

- Provisional net advances stood at ₹1.94 lakh crore, up from ₹1.78 lakh crore in June 2024.

- Growth was led by retail lending, which now forms over 70% of the loan book.

- Corporate-to-retail mix remains at 29:71, indicating a granular, low-risk portfolio.

- Total Deposits:

- Deposits rose to ₹2.77 lakh crore, up 7% YoY.

- CASA ratio stood at 48.57%, with savings deposits growing 7% YoY.

- Retail deposits grew 9%, reflecting strong traction in low-cost funding.

- Asset Quality & Capital:

- Gross NPA improved to 3.87%, down 118 bps YoY.

- Net NPA fell to 0.23%, with a PCR of 99.34%, among the best in the sector.

- CRAR stood at 22.42%, with Tier 1 capital at 20.26%.

- Profitability Snapshot (Q1 FY26):

- Net profit rose 40% YoY to ₹1,719 crore.

- NIM stood at 4.18%, while ROA and ROE improved to 1.83% and 19.87%, respectively.

With stable asset quality, improving profitability, and a healthy capital buffer, IDBI Bank appears well-positioned to sustain its growth trajectory in FY26.

Source: IDBI Bank Investor Presentation, Business Standard, Livemint

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