IDBI Bank Ltd
IDBI Bank is engaged in the business of Monetary intermediation of commercial banks, saving banks, postal savings bank and discount houses.
- Market Cap ₹ 85,836 Cr.
- Current Price ₹ 79.8
- High / Low ₹ 108 / 65.9
- Stock P/E 11.4
- Book Value ₹ 56.0
- Dividend Yield 1.88 %
- ROCE 6.76 %
- ROE 13.6 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 20.9% CAGR over last 5 years
- Company has been maintaining a healthy dividend payout of 29.4%
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 11.5% over last 3 years.
- Contingent liabilities of Rs.2,09,393 Cr.
- Company might be capitalizing the interest cost
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Banks Industry: Banks - Private Sector
Part of BSE 500 Nifty Smallcap 100 BSE Financial Services Nifty 500 BSE 200
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
26,598 | 28,154 | 28,043 | 27,791 | 23,027 | 22,071 | 20,825 | 19,938 | 18,292 | 20,570 | 26,426 | 28,902 | |
Interest | 20,576 | 22,406 | 21,954 | 22,040 | 17,386 | 16,166 | 13,847 | 11,414 | 9,129 | 9,139 | 12,240 | 14,276 |
7,146 | 8,331 | 14,256 | 18,019 | 24,874 | 31,667 | 20,025 | 10,320 | 9,831 | 10,071 | 9,066 | 8,982 | |
Financing Profit | -1,124 | -2,583 | -8,167 | -12,267 | -19,233 | -25,761 | -13,047 | -1,796 | -668 | 1,360 | 5,121 | 5,644 |
Financing Margin % | -4% | -9% | -29% | -44% | -84% | -117% | -63% | -9% | -4% | 7% | 19% | 20% |
2,979 | 4,008 | 3,411 | 4,008 | 7,014 | 3,300 | 4,470 | 4,559 | 4,690 | 4,372 | 3,611 | 4,924 | |
Depreciation | 113 | 137 | 214 | 359 | 373 | 366 | 391 | 393 | 413 | 494 | 536 | 0 |
Profit before tax | 1,741 | 1,287 | -4,971 | -8,618 | -12,593 | -22,827 | -8,967 | 2,369 | 3,608 | 5,237 | 8,195 | 10,568 |
Tax % | 36% | 32% | -26% | -40% | -35% | -34% | 44% | 43% | 32% | 30% | 31% | 29% |
1,121 | 873 | -3,665 | -5,158 | -8,238 | -15,116 | -12,887 | 1,359 | 2,439 | 3,645 | 5,634 | 7,515 | |
EPS in Rs | 6.99 | 5.45 | -17.80 | -25.05 | -26.71 | -19.54 | -12.41 | 1.26 | 2.27 | 3.39 | 5.24 | 6.99 |
Dividend Payout % | 14% | 14% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 30% | 29% | 30% |
Compounded Sales Growth | |
---|---|
10 Years: | 0% |
5 Years: | 7% |
3 Years: | 16% |
TTM: | 9% |
Compounded Profit Growth | |
---|---|
10 Years: | 24% |
5 Years: | 21% |
3 Years: | 46% |
TTM: | 33% |
Stock Price CAGR | |
---|---|
10 Years: | 0% |
5 Years: | 30% |
3 Years: | 21% |
1 Year: | -12% |
Return on Equity | |
---|---|
10 Years: | -7% |
5 Years: | 9% |
3 Years: | 11% |
Last Year: | 14% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 1,604 | 1,604 | 2,059 | 2,059 | 3,084 | 7,736 | 10,381 | 10,752 | 10,752 | 10,752 | 10,752 | 10,752 |
Reserves | 22,035 | 22,713 | 25,663 | 20,505 | 18,126 | 29,875 | 23,644 | 26,059 | 30,910 | 34,566 | 39,129 | 49,499 |
Deposits | 250,340 | 275,831 | 265,720 | 268,538 | 247,932 | 227,372 | 222,424 | 230,852 | 233,134 | 255,490 | 277,657 | 310,294 |
Borrowing | 45,580 | 45,838 | 70,592 | 56,364 | 63,186 | 45,288 | 36,749 | 15,908 | 14,345 | 12,638 | 17,083 | 19,882 |
9,429 | 10,158 | 11,357 | 14,409 | 17,759 | 10,013 | 6,731 | 14,193 | 12,461 | 17,056 | 18,569 | 21,234 | |
Total Liabilities | 328,988 | 356,144 | 375,390 | 361,874 | 350,086 | 320,284 | 299,928 | 297,764 | 301,603 | 330,502 | 363,190 | 411,661 |
2,963 | 3,011 | 7,023 | 6,809 | 6,269 | 7,763 | 7,642 | 7,357 | 9,540 | 9,279 | 9,413 | 12,181 | |
CWIP | 20 | 49 | 424 | 540 | 502 | 468 | 487 | 470 | 396 | 477 | 107 | 0 |
Investments | 103,774 | 97,701 | 92,997 | 92,934 | 91,606 | 93,073 | 81,780 | 81,023 | 82,988 | 99,690 | 114,934 | 117,468 |
222,232 | 255,383 | 274,945 | 261,591 | 251,709 | 218,981 | 210,018 | 208,914 | 208,678 | 221,056 | 238,736 | 282,013 | |
Total Assets | 328,988 | 356,144 | 375,390 | 361,874 | 350,086 | 320,284 | 299,928 | 297,764 | 301,603 | 330,502 | 363,190 | 411,661 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-2,006 | -1,977 | -341 | 7,635 | -12,221 | -34,191 | 190 | 10,218 | 5,008 | -2,397 | -1,188 | 25,795 | |
-223 | -264 | -656 | -451 | 358 | 114 | -294 | -79 | -145 | -270 | -278 | -315 | |
1,122 | -51 | 2,935 | 1,900 | 12,865 | 21,624 | 9,300 | -5,347 | -4,375 | -3,558 | -1,783 | -7,002 | |
Net Cash Flow | -1,107 | -2,292 | 1,938 | 9,084 | 1,002 | -12,452 | 9,197 | 4,792 | 488 | -6,225 | -3,248 | 18,478 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 5% | 4% | -14% | -21% | -40% | -51% | -36% | 4% | 6% | 8% | 12% | 14% |
Documents
Announcements
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Compliances-Reg.24(A)-Annual Secretarial Compliance
18h - IDBI Bank's Annual Secretarial Compliance Report for FY ended March 31, 2025; full regulatory compliance confirmed.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
1d - Newspaper publication w.r.t. Audited Financial Results of the Bank for quarter and year ended March 31, 2025. Kindly Acknowledge.
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
2d - IDBI Bank reports 33% profit rise to ₹7,515 Cr, improved asset quality, and 21% dividend proposal for FY25.
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Board Meeting Outcome for Outcome Of Board Meeting- Dividend
2d - IDBI Bank reports FY25 audited results; net profit Rs.7,515 Cr; recommends Rs.2.10 dividend per share.
- Audited Financial Results Of The Bank For Quarter And Year Ended March 31, 2025 2d
Annual reports
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2012
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Financial Year 2011
from bse
Concalls
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Mar 2024TranscriptNotesPPT
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Jul 2023TranscriptNotesPPT
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Apr 2023TranscriptNotesPPT
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Jan 2023TranscriptNotesPPT
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Oct 2022Transcript PPT
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Jul 2022Transcript PPT
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May 2022Transcript PPT
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Jan 2022TranscriptNotesPPT
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Oct 2021TranscriptNotesPPT
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Jul 2021TranscriptNotesPPT
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May 2021TranscriptNotesPPT
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Jan 2021Transcript PPT
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Nov 2020TranscriptNotesPPT
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Nov 2020TranscriptNotesPPT
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Jul 2020Transcript PPT
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May 2020TranscriptNotesPPT
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Feb 2020TranscriptNotesPPT
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Nov 2019TranscriptNotesPPT
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Aug 2019TranscriptNotesPPT
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May 2019Transcript PPT
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Feb 2019Transcript PPT
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Nov 2018TranscriptNotesPPT
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Aug 2018TranscriptNotesPPT
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May 2018TranscriptNotesPPT
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Jan 2016TranscriptNotesPPT
Business Segments
Retail Banking: 55% in Q2 FY25 vs 52% in FY22
Corporate/Wholesale Banking: 17% in Q2 FY25 vs 15% in FY22
Treasury: 27% in Q2 FY25 vs 32% in FY22
Others: 1% in Q2FY25 vs Nil in FY22[1] [2]