IDBI Bank's Q3 FY 2025-26 Quarterly Results
- 2d ago
Result Summary
- IDBI Bank Ltd reported a 9.8% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Dec (Q3 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a decline of 3.2%.
- Its expenses for the quarter were up by 4.7% QoQ and 10.4% YoY.
- The net profit decreased 39.5% QoQ and increased 0.3% YoY.
- The earnings per share (EPS) of IDBI Bank Ltd stood at 1.82 during Q3 FY 2025-26.
Financial Statments for Q3 FY 2025-26
Total Income | 8351.61 | 9263.53 | 8628.99 | -9.8% | -3.2% |
Total Expenses | 6401.48 | 6116.58 | 5799.25 | 4.7% | 10.4% |
Provisions & contingencies | -538.89 | -649.64 | 166.21 | -17.0% | -424.2% |
Profit Before Tax | 2489.02 | 3796.59 | 2663.53 | -34.4% | -6.6% |
Tax | 529.65 | 555.82 | 734.44 | -4.7% | -27.9% |
Profit After Tax | 1959.41 | 3240.77 | 1953.62 | -39.5% | 0.3% |
Earnings Per Share | 1.82 | 3.00 | 1.81 | -39.3% | 0.6% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
IDBI Bank Ltd is a prominent banking institution in India, primarily offering a range of financial services including personal banking, corporate banking, and treasury operations. The bank caters to a diverse customer base, providing various products such as savings accounts, loans, credit facilities, and investment services. Historically, IDBI Bank has been involved in both retail and wholesale banking sectors. As a key player in the financial services industry, the bank has undergone various strategic changes and developments, including restructuring efforts and technological advancements. However, specific recent developments are not available in the data provided.
Revenue
In the quarter ending September 2025 (Q3FY26), IDBI Bank Ltd reported a total income of ₹8351.61 crores, reflecting a decrease of 9.8% compared to the previous quarter (Q2FY26) where the total income was ₹9263.53 crores. On a year-over-year basis, there was a decrease of 3.2% from the total income of ₹8628.99 crores recorded in the same quarter of the previous fiscal year (Q3FY25). This indicates a contraction in revenue generation over both the sequential quarter and the year-ago period.
Profitability
The Profit Before Tax (PBT) for Q3FY26 was ₹2489.02 crores, which marks a significant decline of 34.4% from the previous quarter's PBT of ₹3796.59 crores. Compared to Q3FY25, this reflects a decrease of 6.6% from ₹2663.53 crores. The Profit After Tax (PAT) for Q3FY26 stood at ₹1959.41 crores, showing a sharp quarter-over-quarter reduction of 39.5% from Q2FY26's PAT of ₹3240.77 crores, while marginally increasing by 0.3% from ₹1953.62 crores in Q3FY25. The tax expense for Q3FY26 amounted to ₹529.65 crores, decreasing by 4.7% QoQ and 27.9% YoY. Earnings Per Share (EPS) for the quarter was ₹1.82, down from ₹3.00 in Q2FY26 and slightly up from ₹1.81 in Q3FY25.
Operating Metrics
Total expenses for IDBI Bank in Q3FY26 amounted to ₹6401.48 crores, which represents an increase of 4.7% from the ₹6116.58 crores reported in the previous quarter, and a 10.4% increase from ₹5799.25 crores in the same quarter last year. Provisions and contingencies were recorded as a negative ₹538.89 crores in Q3FY26, reflecting a 17.0% decrease from the negative ₹649.64 crores in Q2FY26, and a substantial improvement from the positive ₹166.21 crores in Q3FY25, demonstrating a significant year-over-year percentage change of -424.2%. These figures illustrate the bank's operational cost dynamics and provisioning strategies across the specified periods.