From Rs 3,166 crore in Q1 FY26 to Rs 3,486 crore in Q1 FY27, the bank's net interest income—the difference between interest received and interest expenses—rose more than 10% year over year.
Although it improved year over year, IDBI Bank's asset quality has somewhat deteriorated during the March quarter. Compared to 0.15% in Q4 FY26 and 0.21% in Q1 FY26, the lender's net non-performing asset ratio was 0.16%.
Provisions and contingencies stood at a negative Rs 637 crore, as against a negative Rs 179 crore in the year-ago period. Capital adequacy ratio, meanwhile, increased to 26.92% during the quarter under review, while return on assets stood at 1.89%.
IDBI Bank’s total deposits grew 10% YoY to Rs 3.26 lakh crore, while net advances rose 22% YoY to Rs 2.59 lakh crore. Credit deposit ratio stood at 79.5%, marking an improvement by 810 bps YoY and 644 bps QoQ. Net interest margin (NIM) stood at 3.61%. The lender’s total balance sheet increased 10% YoY to Rs 4.44 lakh crore.
The company’s current account savings account ratio stood at 43.64%, marking a 99 bps fall since June last year. CASA, meanwhile, grew 7% YoY to Rs 1.42 lakh crore in Q1 FY27.
Over a longer term, IDBI Bank shares have delivered a negative return of 13% over one year, but positive returns of 50% in three years and 130% in five years. The company has a market capitalisation of nearly Rs 93,546 crore.
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