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From January to March 2025, IDBI Bank earned a total of ₹ 9,035 crore. Out of this earnings, the bank spent Rs 5,840 crore in works like salary, electricity bill, deposit.
After this, the bank survived as a profit of Rs 2,051 crore. The bank made a profit of Rs 1,628 crore in the same period of a year ago. The annual base has increased by 26%.
Are the results better than expected?
In the fourth quarter of FY 2024-25, the bank’s profit has been better than the expectation of market analysts, that is, the bank has done a better job this time.
What for the common man in the results?
The bank has announced a dividend of Rs 2.10 per share for its shareholders. Companies give some part of their profits to their shareholders, it is called dividend or dividend.
IDBI Bank in the fourth quarter of FY25 Profit increased by 26%
On an annual basis
| IDBI Bank | FY25 (January-March) | FY24 (January-March) | Change (%) |
| Earned interest | ₹ 6,979 | ₹ 6,990 | -0.15% |
| Other income | ₹ 2,057 | ₹ 896 | 130% |
| Total income | ₹ 9,035 | ₹ 7,887 | 14.55% |
| Total expenses | ₹ 5,840 | ₹ 5,712 | 2.24% |
| Net profit | ₹ 2,051 | ₹ 1,628 | 26% |
| Gross npa | ₹ 6,695 | ₹ 8,916 | -24.91% |
| Gross NPA % | 2.98% | 4.53% | , |
| Net npa | ₹ 337 | ₹ 643 | -47.58% |
| Net NPA % | 0.15% | 0.34% | , |
On a quarterly basis
| IDBI Bank | FY25 (January-March) | FY25 (October-December) | Change (%) |
| Earned interest | ₹ 6,979 | ₹ 7,816 | -10.70% |
| Other income | ₹ 2,057 | ₹ 749 | 100% |
| Total income | ₹ 9,035 | ₹ 8,565 | 5.48% |
| Total expenses | ₹ 5,840 | ₹ 5,763 | 1.33% |
| Net profit | ₹ 2,051 | ₹ 1,908 | 7.49% |
| Gross npa | ₹ 6,695 | ₹ 7,635 | -12.31% |
| Gross NPA % | 2.98% | 3.57% | , |
| Net npa | ₹ 337 | ₹ 365 | -7.67% |
| Net NPA % | 0.15% | 0.18% | , |
Note: The figures are in crores of rupees.
IDBI Bank’s profit was 33% higher in 2025 as compared to fY 2024
| IDBI Bank | FY 2025 | FY 2024 | Change (%) |
| Earned interest | ₹ 28,902 | ₹ 26,426 | 9.36% |
| Other income | ₹ 4,924 | ₹ 3,611 | 36.3% |
| Total income | ₹ 33,826 | ₹ 30,037 | 12.61% |
| Total expenses | ₹ 22,747 | ₹ 20,445 | 11.2% |
| Net profit | ₹ 7,515 | ₹ 5,634 | 33.38% |
| Gross npa | ₹ 6,695 | ₹ 8,917 | -24.9% |
| Gross NPA % | 2.98% | 4.53% | , |
| Net npa | ₹ 337 | ₹ 644 | -47.6% |
| Net NPA % | 0.15% | 0.34% | , |
Note: The figures are in crores of rupees.
What is a non -performing asset or NPA?
When a person or institution does not take a loan from a bank and returns it, it is called a bad loan or non -performing asset or NPA. That is, the hope of recovery of these loans is very low. As a result, banks’ money sinks and the bank goes into losses.
According to the rules of the Reserve Bank of India (RBI), if the installment of a bank loan is not paid for 90 days i.e. for three months, then that loan is declared NPA. In the case of other financial institutions, this limit is 120 days. Banks have to do this to clear the book.
How was the share performance in the last one year?
After the result, IDBI Bank’s stock climbed 2.65% to close at Rs 82.56. The bank shares have climbed 6.25% in the last one month and 1.46% in 6 months. At the same time, 10% has fallen in a year. The bank’s stock has climbed 7% from this year i.e. January 1 till now.
IDBI Bank has more than 2,000 branches in the country
The Industrial Development Bank of India (IDBI Bank) provides banking and financial recruitment. This bank was established by the Government of India in 1964. Its head quarter is in Mumbai.
The bank’s managing director and Chief Executive Officer (CEO) is Rakesh Sharma. IDBI Bank has more than 2,000 branches and more than 3,300 ATMs in the country.
