INTEGRATED FILING — BANKING



General information about company

Scrip code 500116
NSE Symbol IDBI
MSEI Symbol NOTLISTED
ISIN INE008A01015
Name of bank IDBI Bank Limited
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 21-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 15-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 21-Jul-2025   11:45:00
End date and time of board meeting 21-Jul-2025   14:10:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
Not Applicable


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 47711600000 47711600000
Income on investments 20319600000 20319600000
Interest on balances with reserve bank of India and other inter bank funds 1883300000 1883300000
Others 295500000 295500000
Total interest earned 70210000000 70210000000
2 Other income 14370200000 14370200000
3 Total income 84580200000 84580200000
Expenses
4 Interest expenses 38552300000 38552300000
5 Operating expenses
(i) Employees cost 10919300000 10919300000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 11568200000 11568200000
Total other operating Expenses 11568200000 11568200000
Total Operating Expenses 22487500000 22487500000
6 Total expenditure excluding provisions and contingencies 61039800000 61039800000
7 Operating profit before provision and contingencies 23540400000 23540400000
8 Provisions other than tax and contingencies -1794600000 -1794600000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 25335000000 25335000000
11 Provision for Tax 5261400000 5261400000
12 Net profit (loss) from ordinary activities after tax 20073600000 20073600000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 20073600000 20073600000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 20073600000 20073600000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 107524000000 107524000000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 45.48 45.48
(ii) Capital adequacy ratio
CET 1 ratio 23.71 23.71
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 1.87 1.87
Diluted earnings per share before extraordinary items 1.87 1.87
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 1.87 1.87
Diluted earnings per share after extraordinary items 1.87 1.87
(iv) NPA Ratios
Amount of gross non-performing assets 63846100000 63846100000
Amount of net non-performing assets 4474100000 4474100000
% of gross NPAs 2.93 2.93
% of net NPAs 0.21 0.21
Return on assets 2.01 2.01
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Corporate/Wholesale Banking 21871100000 21871100000
2 Retail Banking 84155800000 84155800000
3 Treasury 39627200000 39627200000
4 Other Banking Operations 390100000 390100000
Total Segment Revenue 146044200000 146044200000
Less: Inter segment revenue 61464000000
Income from operations 84580200000 84580200000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Corporate/Wholesale Banking 9441200000 9441200000
2 Retail Banking 5685600000 5685600000
3 Treasury 9920000000 9920000000
4 Other Banking Operations 288200000 288200000
Total Profit before tax 25335000000 25335000000
i. Finance cost 5261400000
ii. Other Unallocable Expenditure net off Unallocable income 0
Profit before tax 20073600000 20073600000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Corporate/Wholesale Banking 637455100000 637455100000
2 Retail Banking 1619867800000 1619867800000
3 Treasury 1709656400000 1709656400000
4 Other Banking Operations 227500000 227500000
5 Corporate/Wholesale Banking 637455100000 637455100000
6 Retail Banking 1619867800000 1619867800000
7 Treasury 1709656400000 1709656400000
8 Other Banking Operations 227500000 227500000
Total Segment Assets 3967206800000 3967206800000
Un-allocable Assets 63595400000 63595400000
Net Segment Assets 4030802200000 4030802200000
4 Segment Liabilities
Segment Liabilities
1 Corporate/Wholesale Banking 385589500000 385589500000
2 Retail Banking 2723380500000 2723380500000
3 Treasury 298123400000 298123400000
4 Other Banking Operations 42400000 42400000
5 Corporate/Wholesale Banking 385589500000 385589500000
6 Retail Banking 2723380500000 2723380500000
7 Treasury 298123400000 298123400000
8 Other Banking Operations 42400000 42400000
Total Segment Liabilities 3407135800000 3407135800000
Un-allocable Liabilities 0 0
Net Segment Liabilities 3407135800000 3407135800000
Disclosure of notes on segments Notes on Segment Reporting: 1) As per extant RBI guidelines and in compliance with the applicable Accounting Standard (AS) - 17, 'Segment Reporting', reportable segments are identified as Treasury, Corporate/Wholesale Banking, Retail Banking and other Banking operations. 2) These segments have been identified in line with the said Accounting Standard (AS) after considering the nature and risk profile of the products and services, the target customer profile, the organization structure and the internal reporting system of the Bank. 3) In determining 'Segment Results', the funds transfer price mechanism adopted by the Bank has been used. 4) Results, Revenue and Capital Employed of International Operations through GIFT City are included in Corporate/Wholesale Banking segment. 5) As per RBI circular dated April 7, 2022 , Digital Banking to be reported as part of Retail Banking. Digital Banking Units are not yet operational in IDB1 Bank Ltd. 6) Previous period's figures have been regrouped/ reclassified, wherever necessary to make them comparable with current period.