IDBI Bank profit nearly doubles on year, margin improves from June

Mumbai-based IDBI Bank Ltd reported a 98% jump in net profit, year-on-year, amounting to ₹3,627 crore at the end of the second quarter ending September 2025.

Here's a snapshot of the numbers: 

Metric	Q2 FY2025	YoY Change
Net Profit	₹3,627 crore	98%
Operating Profit	₹3,523 crore	17%
Net interest margin	3.71%	down 116 bps (YoY), up 3 bps (QoQ)
Total Business	₹5,33,730 crore	12%
Total Deposits	₹3,03,510 crore	9%
Net Advances	₹2,30,220 crore	15%
ROA (Return on Assets)	3.55%	+158 basis points (bps)
CRAR (Capital to Risk-weighted Assets Ratio)	25.39%	+341 bps
Gross NPA (Non-Performing Assets)	2.65%	-103 bps
Net NPA	0.21%	Stable
Provision coverage ratio	99.26%	Down 5 bps (QoQ)

Interestingly, the banks cost of funds decreased 5 basis points to 4.82% in Q2, despite a 4 basis point increase in the cost of deposits.

Low-cost deposits, as measured by the current account, savings account (CASA) ratio, stood at ₹1.39 lakh crore, about 45.8% of total deposits, significantly down from 48.1% at the same time last year.