IDBI Bank Q4 earnings: Net profit gain 26%, dividend declared

Profit in the fourth quarter stood at Rs 2,051.2 crore as against Rs 1,628 crore (on a year-on-year basis).
Shares of lender IDBI Bank rose over 4% after the lender said it posted a 26% rise in net profit for the March 2025 quarter.
Profit in the fourth quarter stood at Rs 2,051.2 crore as against Rs 1,628 crore (on a year-on-year basis).
However, NII declined 10.8% to Rs 3,290.3 crore as against Rs 3,688 crore a year ago. Gross NPA stood at 2.98% as against 3.57% (quarter-on-quarter). Net NPA stood at 0.15% as against 0.18% on a quarter-on-quarter basis in the previous quarter.
Gross NPAs stood at Rs 6,695.2 crore in the fourth quarter as against Rs 7,634.8 crore (quarterly). Net NPAs stood at Rs 337.3 crore as against Rs 365.5 crore (quarterly) in the March 2025 quarter. IDBI Bank shares rose 4.33 percent to hit a high of Rs 83.95 on the BSE.
The lender’s market capitalisation stood at Rs 89,223 crore on the BSE. Return on assets (RoA) increased 29 bps to 2.11% for Q4-2025 as against 1.82% for Q4-2024. For the full fiscal, net profit grew 33% year-on-year to an all-time high of Rs 7,515 crore for the year.
The board proposed a dividend of 21% subject to the approval of members at the forthcoming Annual General Meeting. In terms of business growth, total business (deposits + net advances) crossed the Rs 5 trillion mark. Total deposits grew to Rs 3,10,294 crore as on March 31, 2025 from Rs 2,77,657 crore as on March 31, 2024.
CASA grew to Rs 1,44,479 crore as on March 31, 2025 and CASA ratio stood at 46.56%. Total CASA and CASA ratio stood at Rs 1,40,027 crore and 50.43% respectively as on March 31, 2024. Net advances grew by 16% to Rs 2,18,399 crore as on March 31, 2025 from Rs 1,88,621 crore as on March 31, 2024.
The composition of corporate vs retail in the gross advances portfolio was 30:70 as on March 31, 2025.