IDBI Bank Q4 FY26: Strong NIM and asset quality keep earnings resilient

Profit after tax for Q4 ended Mar 31, 2026 was 1943 crore.

Net profit for FY ended Mar 31, 2026 was 9513 crore, up 27% versus FY ended Mar 31, 2025.

Q4 NIM was 4.15% and net interest income was 3851 crore.

GNPA was 2.32%, net NPA was 0.15%, and provision coverage ratio was 99.39%.

As of Mar 31, 2026, deposits were 347163 crore (12% YoY) and net advances were 253626 crore (16% YoY).

Total CRAR was 26.65% and Tier 1 ratio was 25.56%.

Targets include NIM above 3%, CASA above 42%, cost to income below 50%, GNPA below 3% over time, net NPA below 0.50%, and business growth of 12% to 13%.