WEBSITE BSE:500116 NSE: IDBI BANK L Inc. Year: 2004 Industry: Bank - Private
Last updated: 15:59
IDBI Bank Limited is a banking organization. Its segments consist of Corporate / Wholesale Banking phase, which includes corporate relationship covering deposit and credit activities apart from retail and additionally covers corporate advisory / syndication, task appraisal and funding portfolio including strategic investments; Retail Banking section, which includes credit score and deposit activities which are basically orientated in the direction of individual and small business which include priority sector lending and also includes fee and t...Read More
IDBI Bank Limited is a banking organization. Its segments consist of Corporate / Wholesale Banking phase, which includes corporate relationship covering deposit and credit activities apart from retail and additionally covers corporate advisory / syndication, task appraisal and funding portfolio including strategic investments; Retail Banking section, which includes credit score and deposit activities which are basically orientated in the direction of individual and small business which include priority sector lending and also includes fee and trade channels like ATM, Point of sale (POS) machines, Internet Banking, cell banking, credit cards, debit cards, travel/currency cards, third party distribution and transaction banking offerings, and Treasury segment, which includes buying and selling portfolio of investments, money market operations, derivative trading, foreign exchange operations on the proprietary account and for clients. ...Read Less
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Market Cap ₹116169 Cr.
Stock P/E 15.3
P/B 2
Current Price ₹108
Book Value ₹ 55
Face Value 10
52W High ₹118.5
Dividend Yield 1.94%
52W Low ₹ 66.1
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 6038 | 6549 | 6995 | 6670 | 7445 | 7819 | 6983 | 7027 | 7109 | 7080 |
| Other Income | 1025 | 1031 | 961 | 857 | 1368 | 810 | 2107 | 1472 | 2155 | 1271 |
| Total Income | 7064 | 7580 | 7956 | 7527 | 8813 | 8629 | 9090 | 8499 | 9264 | 8352 |
| Interest Expense | 2966 | 3102 | 3298 | 3428 | 3562 | 3583 | 3683 | 3851 | 3816 | 3862 |
| Operating Expenditure | 1922 | 2123 | 2452 | 1997 | 2227 | 2216 | 2180 | 2269 | 2300 | 2539 |
| Provisions and contingencies | -222 | 321 | 113 | -443 | 554 | 166 | 235 | -179 | -650 | -539 |
| Operating Profit | 2397 | 2034 | 2093 | 2546 | 2470 | 2664 | 2991 | 2557 | 3797 | 2489 |
| Profit Before Tax | 2397 | 2034 | 2093 | 2546 | 2470 | 2664 | 2991 | 2557 | 3797 | 2489 |
| Provision for Tax | 1004 | 553 | 438 | 806 | 621 | 734 | 919 | 533 | 556 | 530 |
| Profit After Tax | 1393 | 1481 | 1655 | 1739 | 1849 | 1929 | 2072 | 2024 | 3241 | 1959 |
| Adjustments | -8 | 28 | 10 | -5 | 12 | 19 | 15 | -5 | -11 | -5 |
| Profit After Adjustments | 1385 | 1509 | 1665 | 1734 | 1861 | 1948 | 2087 | 2019 | 3230 | 1954 |
| Adjusted Earnings Per Share | 1.3 | 1.4 | 1.5 | 1.6 | 1.7 | 1.8 | 1.9 | 1.9 | 3 | 1.8 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 28164 | 28058 | 27805 | 23046 | 22102 | 20854 | 19962 | 18316 | 20592 | 26446 | 28917 | 28199 |
| Other Income | 4189 | 3518 | 4207 | 7248 | 3535 | 4631 | 4782 | 4919 | 4575 | 3925 | 5142 | 7005 |
| Total Income | 32354 | 31576 | 32013 | 30294 | 25637 | 25485 | 24744 | 23235 | 25167 | 30370 | 34059 | 35205 |
| Interest Expense | 22387 | 21931 | 22019 | 17376 | 16162 | 13841 | 11408 | 9122 | 9130 | 12226 | 14257 | 15212 |
| Operating Expenditure | 4105 | 4206 | 5243 | 4892 | 5258 | 6447 | 6172 | 6503 | 7233 | 8370 | 8619 | 9288 |
| Provisions and contingencies | 4491 | 10369 | 13280 | 20538 | 26940 | 14125 | 4706 | 5093 | 3525 | 1449 | 541 | -1133 |
| Operating Profit | 1371 | -4930 | -8529 | -12512 | -22724 | -8928 | 2459 | 2518 | 5279 | 8324 | 10642 | 11834 |
| Profit Before Tax | 1371 | -4930 | -8529 | -12512 | -22724 | -8928 | 2459 | 2518 | 5279 | 8324 | 10642 | 11834 |
| Provision for Tax | 414 | -1306 | -3460 | -4355 | -7711 | 3920 | 1010 | 0 | 1592 | 2561 | 3053 | 2538 |
| Profit After Tax | 957 | -3624 | -5069 | -8157 | -15013 | -12847 | 1449 | 2518 | 3687 | 5763 | 7589 | 9296 |
| Adjustments | -15 | 33 | 54 | 25 | 26 | 12 | 65 | 16 | 19 | 25 | 42 | -6 |
| Profit After Adjustments | 942 | -3591 | -5016 | -8132 | -14987 | -12835 | 1514 | 2534 | 3706 | 5788 | 7631 | 9290 |
| Adjusted Earnings Per Share | 5.9 | -17.4 | -24.4 | -26.4 | -19.4 | -12.4 | 1.4 | 2.4 | 3.4 | 5.4 | 7.1 | 8.6 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 9% | 16% | 7% | 0% |
| Operating Profit CAGR | 28% | 62% | 0% | 23% |
| PAT CAGR | 32% | 44% | 0% | 23% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 41% | 30% | 30% | 7% |
| ROE Average | 16% | 14% | 11% | -12% |
| ROCE Average | 16% | 14% | 12% | 2% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 24375 | 28058 | 23262 | 21908 | 38347 | 34836 | 37628 | 42572 | 46319 | 51073 | 61620 |
| Minority's Interest | 51 | 61 | 71 | 86 | 97 | 104 | 113 | 128 | 138 | 153 | 165 |
| Deposits | 259523 | 265087 | 268216 | 247777 | 227190 | 222214 | 230660 | 232850 | 255313 | 277366 | 309975 |
| Borrowings | 61832 | 70592 | 56364 | 63186 | 45288 | 36749 | 15908 | 14345 | 12638 | 17083 | 19932 |
| Other Liabilities & Provisions | 10263 | 11476 | 14575 | 17953 | 10190 | 6797 | 14344 | 12645 | 17089 | 18985 | 21270 |
| Total Liabilities | 356044 | 375275 | 362488 | 350909 | 321111 | 300699 | 298653 | 302540 | 331498 | 364659 | 412962 |
| Cash and balance with RBI | 13157 | 13827 | 13350 | 13169 | 12732 | 10539 | 13013 | 27796 | 16639 | 13991 | 21294 |
| Bank Balance | 1486 | 9481 | 19383 | 20612 | 8572 | 19956 | 22295 | 8005 | 12608 | 12018 | 23182 |
| Investments | 97347 | 92810 | 93075 | 91848 | 93328 | 81996 | 81471 | 83475 | 100409 | 115719 | 118453 |
| Advances | 208377 | 215893 | 190826 | 171740 | 146790 | 129845 | 128152 | 136959 | 162546 | 188576 | 218399 |
| Fixed Assets | 3026 | 7041 | 6893 | 6350 | 7842 | 7719 | 7402 | 9588 | 9305 | 9435 | 12120 |
| Other Assets | 32598 | 35741 | 38422 | 46687 | 51379 | 50156 | 45849 | 36318 | 29516 | 24813 | 19433 |
| Total Assets | 356044 | 375275 | 362488 | 350909 | 321111 | 300699 | 298653 | 302540 | 331498 | 364659 | 412962 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 16849 | 14643 | 23308 | 32732 | 33781 | 21304 | 30495 | 35308 | 35800 | 29247 | 26009 |
| Cash Flow from Operating Activities | -1991 | -567 | 8000 | -12514 | -34215 | 208 | 10214 | 5068 | -2701 | -1252 | 25796 |
| Cash Flow from Investing Activities | -272 | -715 | -464 | 720 | 116 | -296 | -59 | -195 | -294 | -222 | -344 |
| Cash Flow from Financing Activities | -61 | 2927 | 1889 | 12843 | 21622 | 9279 | -5342 | -4383 | -3569 | -1768 | -6990 |
| Net Cash Inflow / Outflow | -2323 | 1645 | 9424 | 1049 | -12477 | 9191 | 4813 | 490 | -6565 | -3242 | 18462 |
| Closing Cash & Cash Equivalent | 14526 | 16288 | 32732 | 33781 | 21304 | 30495 | 35308 | 35800 | 29247 | 26009 | 44477 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 5.87 | -17.44 | -24.36 | -26.37 | -19.37 | -12.36 | 1.41 | 2.36 | 3.45 | 5.38 | 7.1 |
| CEPS(Rs) | 6.85 | -16.54 | -22.86 | -25.23 | -18.93 | -12 | 1.72 | 2.73 | 3.89 | 5.87 | 7.56 |
| DPS(Rs) | 0.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1.5 | 2.1 |
| Book NAV/Share(Rs) | 141.6 | 109.05 | 86.67 | 54.65 | 40.87 | 27.29 | 29.15 | 31.72 | 35.45 | 40.12 | 47.53 |
| Yield on Advances | 13.52 | 13 | 14.57 | 13.42 | 15.06 | 16.06 | 15.58 | 13.37 | 12.67 | 14.02 | 13.24 |
| Yield on Investments | 8.12 | 7.36 | 8.41 | 10.72 | 7.27 | 8.15 | 8.47 | 6.82 | 6.75 | 7.33 | 7.76 |
| Cost of Liabilities | 6.97 | 6.53 | 6.78 | 5.59 | 5.93 | 5.34 | 4.63 | 3.69 | 3.41 | 4.15 | 4.32 |
| NIM (Net Interest Margin) | 1.8 | 1.85 | 1.83 | 1.91 | 2.27 | 2.89 | 3.49 | 3.59 | 3.92 | 4.3 | 3.84 |
| Interest Spread | 6.55 | 6.46 | 7.79 | 7.83 | 9.13 | 10.72 | 10.95 | 9.68 | 9.26 | 9.87 | 8.92 |
| ROA(%) | 0.28 | -0.99 | -1.37 | -2.29 | -4.47 | -4.13 | 0.48 | 0.84 | 1.16 | 1.66 | 1.95 |
| ROE(%) | 4.29 | -16.05 | -25.16 | -47.02 | -61.94 | -42.86 | 4.85 | 7.69 | 10.21 | 14.19 | 16.1 |
| ROCE(%) | 7.2 | 0.06 | -4.07 | -10.09 | -22.62 | -7.96 | 7.38 | 7.04 | 11.37 | 15.68 | 16.26 |
| PER(x) | 12.1 | 0 | 0 | 0 | 0 | 0 | 27.38 | 18.16 | 13.06 | 15.03 | 10.95 |
| Price/Book(x) | 0.5 | 0.64 | 0.87 | 1.32 | 1.14 | 0.71 | 1.32 | 1.35 | 1.27 | 2.02 | 1.63 |
| Dividend Yield(%) | 1.06 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.22 | 1.85 | 2.7 |
| EV/Net Sales(x) | 2.6 | 3.03 | 2.58 | 3.71 | 3.68 | 2.72 | 2.87 | 3.3 | 2.96 | 3.94 | 3.58 |
| EV/Core EBITDA(x) | 12.49 | 15.61 | 15.12 | 10.65 | 19.3 | 10.93 | 8.01 | 7.93 | 6.93 | 10.65 | 9.25 |
| Interest Earned Growth(%) | 5.85 | -0.38 | -0.9 | -17.12 | -4.1 | -5.65 | -4.28 | -8.25 | 12.43 | 28.43 | 9.35 |
| Net Profit Growth | -17.92 | -478.56 | -39.89 | -60.91 | -84.05 | 14.42 | 111.28 | 73.8 | 46.43 | 56.32 | 31.68 |
| Advances Growth | 5.41 | 3.61 | -11.61 | -10 | -14.53 | -11.54 | -1.3 | 6.87 | 18.68 | 16.01 | 15.82 |
| EPS Growth(%) | -18.23 | -397.04 | -39.69 | -8.24 | 26.54 | 36.17 | 111.39 | 67.36 | 46.27 | 56.18 | 31.83 |
| Loans/Deposits(x) | 23.83 | 26.63 | 21.01 | 25.5 | 19.93 | 16.54 | 6.9 | 6.16 | 4.95 | 6.16 | 6.43 |
| Cash/Deposits(x) | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 | 0.05 | 0.06 | 0.12 | 0.07 | 0.05 | 0.07 |
| Current Ratio(x) | 0.38 | 0.35 | 0.35 | 0.37 | 0.41 | 0.37 | 0.35 | 0.36 | 0.39 | 0.42 | 0.38 |
| Quick Ratio(x) | 23.83 | 26.63 | 21.01 | 25.5 | 19.93 | 16.54 | 6.9 | 6.16 | 4.95 | 6.16 | 6.43 |
| CASA % | 25.06 | 25.89 | 31.46 | 37.13 | 42.54 | 47.76 | 50.46 | 56.79 | 53.03 | 50.43 | 46.56 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 94.71 | 94.71 | 94.71 | 94.71 | 94.71 | 94.71 | 94.71 | 94.71 | 94.71 | 94.71 |
| FII | 0.4 | 0.32 | 0.45 | 0.47 | 0.46 | 0.42 | 0.46 | 0.54 | 0.47 | 0.51 |
| DII | 0.26 | 0.17 | 0.16 | 0.16 | 0.18 | 0.18 | 0.19 | 0.16 | 0.13 | 0.12 |
| Public | 4.63 | 4.8 | 4.67 | 4.66 | 4.64 | 4.68 | 4.64 | 4.59 | 4.69 | 4.65 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 1018.4 | 1018.4 | 1018.4 | 1018.4 | 1018.4 | 1018.4 | 1018.4 | 1018.4 | 1018.4 | 1018.4 |
| FII | 4.3 | 3.46 | 4.85 | 5.02 | 4.98 | 4.51 | 4.94 | 5.81 | 5.05 | 5.54 |
| DII | 2.75 | 1.8 | 1.75 | 1.76 | 1.92 | 1.97 | 2.05 | 1.73 | 1.38 | 1.34 |
| Public | 49.8 | 51.59 | 50.24 | 50.06 | 49.94 | 50.35 | 49.86 | 49.31 | 50.41 | 49.97 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 1075.24 | 1075.24 | 1075.24 | 1075.24 | 1075.24 | 1075.24 | 1075.24 | 1075.24 | 1075.24 | 1075.24 |
* The pros and cons are machine generated.
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