Quarter Ended: March 2026
IDBI Bank Ltd – Q4 FY26 Results
NSE
idbi
BSE
500116
IDBI Bank delivered steady profit growth with improving asset quality and strong deposit traction, though operating cash flow declined YoY, indicating normalization after a high base
key financial highlights
- Revenue from Operations:
- Total Income (Q4 FY26): ₹9,517 Cr
- QoQ Change: +13.9%
- YoY Change: +4.7%
- Previous Quarter (Q3 FY26): ₹8,351 Cr
- Previous Year (Q4 FY25): ₹9,089 Cr
- Total Income (Q4 FY26): ₹9,517 Cr
- Profit After Tax (PAT):
- PAT (Q4 FY26): ₹2,007 Cr
- QoQ Change: +2.7%
- YoY Change: -3.9%
- Previous Quarter (Q3 FY26): ₹1,954 Cr
- Previous Year (Q4 FY25): ₹2,087 Cr
- PAT (Q4 FY26): ₹2,007 Cr
Margin Analysis
Key Observations:
- Operating Margin ~ 32.6% (3,106 / 9,517)
- Stable cost structure:
- Employee cost controlled
- Other operating expenses stable
Insight:
- Margins remain healthy and consistent, typical of improving PSU bank efficiency
Segment performance
Segment: Retail Banking
- Revenue: ₹9,280 Cr
- PBT: ₹1,099 Cr
- Primary growth driver
Segment: Corporate / Wholesale Banking
- Revenue: ₹2,418 Cr
- PBT: ₹731 Cr
- Stable contribution
Segment: Treasury
- Revenue: ₹3,622 Cr
- PBT: ₹589 Cr
- Volatile but supportive
Segment insight
Summary:
- Retail banking dominance → granular loan book improvement
- Treasury profits → sensitive to yield movements
- Corporate segment → stable but not aggressive
Earning quality check
Drivers:
- Strong core operating profit (₹3,106 Cr)
- Provision write-backs in past cycles reduced volatility
- Lower credit cost trend
balance sheet Analysis
- Total Assets: ₹4,67,386 Cr
- Total Liabilities: ₹3,98,644 Cr
- Capital Employed: ₹68,742 Cr
Key Trends:
- Deposits increased: ₹36,882 Cr inflow
- Borrowings increased: ₹11,373 Cr
- Strong capital position
Cash flow analysis
Operating Cash Flow
- FY26: ₹16,761 Cr
- FY25: ₹25,795 Cr
- Decline (~35%)
Investing Cash Flow
- ₹1,422 Cr (positive due to strategic sale)
Financing Cash Flow
- ₹(5,764 Cr)
- Dividend + bond redemption
Net Cash Movement
- ₹12,438 Cr increase
Interpretation:
- Overall liquidity strong despite lower OCF
key risks
- Treasury income volatility
- Interest rate cycle sensitivity
- PSU ownership overhang (strategic sale uncertainty)
management strategy signals
Strategic Direction:
- Focus on retail loan expansion
- Maintain strong capital adequacy
- Improve asset quality further
Financial metrics table
| Particular | Q4 FY26 | Q.O.Q | Y.O.Y |
|---|---|---|---|
| Total Income | ₹9,517 Cr | +13.9% | +4.7% |
| Operating Profit | ₹3,106 Cr | +59.3% | -3.7% |
| PAT | ₹2,007 Cr | +2.7% | -3.9% |
IDBI Bank continues to show stable and improving fundamentals, supported by strong deposit growth, healthy margins, and better asset quality. While cash flow moderation and slight YoY profit dip are visible, overall trajectory remains positive
Official Exchange Filing: IDBI Bank Ltd
FISCAL YEAR
2025-2026
AUDIT STATUS
REVIEWED