IDBI Bank Q4 Results: Net Profit Up 26% Rs 2,051 Cr; Proposes 21% Dividend After Record-Breaking FY25

Financial results for the quarter and year ending March 31, 2025, were released by IDBI Bank on Monday. Compared to Q4 2024's net profit of Rs 1,628 crore, the bank's Q4 2025 net profit rose by 26% to Rs 2,051 crore. According to IDBI Bank, its Q4-2025 net interest income was Rs 3,290 crore, compared to Rs 3,688 crore for Q4-2024. In Q4 2025, the bank's Return on Assets (ROA) increased by 29 basis points to 2.11% from 1.82% in Q4 2024. According to IDBI Bank, its cost of funds was 4.97% in Q4 2025 compared to 4.74% in Q4 2024, while its cost of deposits was 4.83% in Q4 2025 compared to 4.48% in Q4 2024.

For FY25, IDBI Bank reported that its net profit reached an all-time high of Rs 7,515 crore, with YoY growth of 33%, while its operating profit reached Rs 11,079 crore, with YoY growth of 16%. In FY25, the bank's total business surpassed Rs 5 trillion. Return on Assets (ROA) was at 1.98%, with YoY growth of 33 bps, while Return on Equity (ROE) was at 20.15%, with YoY growth of 65 bps.

While CASA climbed to Rs 1,44,479 crore and the CASA ratio was 46.56% as of March 31, 2025, IDBI Bank said that its total deposits had grown to Rs 3,10,294 crore as of March 31, 2025, from Rs 2,77,657 crore on March 31, 2024. The overall CASA and CASA ratio were at Rs 1,40,027 crore and 50.43%, respectively, as of March 31, 2024.

According to IDBI Bank, net advances climbed by 16% YoY to Rs 2,18,399 crore as of March 31, 2025, from Rs 1,88,621 as of the same period in 2024. The bank's net non-performing asset (NPA) ratio surged to 0.15% from 0.34% on March 31, 2024, while its gross non-performing asset (NPA) ratio improved to 2.98% from 4.53% on March 31, 2025. These improvements indicate a sound asset base. As of March 31, 2025, the bank's Provision Coverage Ratio (including Technical Write-Offs) increased from 99.09% on March 31, 2024, to 99.48%.

"We would like to inform that the Board of Directors have recommended a Dividend of Rs. 2.10 per Equity Share of face value of Rs. 10/- each of the Bank for the financial year ended March 31, 2025. The dividend on equity shares, will be paid/dispatched on or after the same is approved by the shareholders at the ensuing Annual General Meeting (AGM) of the Bank," said IDBI Bank in a stock exchange filing.

Following the bank's announcement of sound and historic financial results, IDBI Bank's shares closed Monday's trading session 2.65% higher on the NSE at Rs 82.56, with a market capitalization of Rs 88.77KCr.