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 ₹ 1,01,320 Cr.
- Current Price ₹ 94.2
- High / Low ₹ 108 / 65.9
- Stock P/E 13.2
- Book Value ₹ 57.3
- Dividend Yield 1.59 %
- ROCE 6.76 %
- ROE 13.5 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 21.0% CAGR over last 5 years
- Company has been maintaining a healthy dividend payout of 28.8%
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 11.4% over last 3 years.
- Contingent liabilities of Rs.2,09,419 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
Financial Services Financial Services Banks Private Sector Bank
Part of BSE 500 BSE 200 Nifty 500 Nifty Smallcap 100 BSE Allcap
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
26,608 | 28,164 | 28,058 | 27,805 | 23,046 | 22,102 | 20,854 | 19,956 | 18,316 | 20,592 | 26,446 | 28,917 | |
Interest | 20,558 | 22,387 | 21,931 | 22,019 | 17,376 | 16,162 | 13,841 | 11,408 | 9,122 | 9,130 | 12,226 | 14,257 |
7,226 | 8,424 | 14,339 | 18,130 | 20,698 | 24,118 | 20,146 | 10,515 | 9,975 | 10,232 | 9,233 | 9,132 | |
Financing Profit | -1,176 | -2,647 | -8,212 | -12,344 | -15,028 | -18,178 | -13,133 | -1,967 | -781 | 1,229 | 4,986 | 5,529 |
Financing Margin % | -4% | -9% | -29% | -44% | -65% | -82% | -63% | -10% | -4% | 6% | 19% | 19% |
3,112 | 4,189 | 3,518 | 4,207 | 7,248 | 3,535 | 4,631 | 4,848 | 4,959 | 4,617 | 3,975 | 5,142 | |
Depreciation | 117 | 141 | 218 | 362 | 377 | 370 | 394 | 397 | 417 | 499 | 543 | 0 |
Profit before tax | 1,819 | 1,401 | -4,912 | -8,498 | -8,157 | -15,013 | -8,896 | 2,484 | 3,760 | 5,346 | 8,418 | 10,670 |
Tax % | 36% | 32% | -26% | -40% | 0% | 0% | 44% | 42% | 32% | 30% | 31% | 29% |
1,166 | 957 | -3,574 | -4,997 | -8,116 | -14,970 | -12,819 | 1,532 | 2,557 | 3,728 | 5,814 | 7,656 | |
EPS in Rs | 7.18 | 5.87 | -17.44 | -24.36 | -26.37 | -19.37 | -12.36 | 1.41 | 2.36 | 3.45 | 5.38 | 7.10 |
Dividend Payout % | 14% | 13% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 29% | 28% | 30% |
Compounded Sales Growth | |
---|---|
10 Years: | 0% |
5 Years: | 7% |
3 Years: | 16% |
TTM: | 9% |
Compounded Profit Growth | |
---|---|
10 Years: | 23% |
5 Years: | 21% |
3 Years: | 44% |
TTM: | 33% |
Stock Price CAGR | |
---|---|
10 Years: | 4% |
5 Years: | 18% |
3 Years: | 43% |
1 Year: | 8% |
Return on Equity | |
---|---|
10 Years: | -6% |
5 Years: | 9% |
3 Years: | 11% |
Last Year: | 14% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
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 | 22,028 | 22,771 | 26,000 | 21,204 | 18,824 | 30,610 | 24,455 | 26,876 | 31,819 | 35,567 | 40,321 | 50,868 |
Deposits | 250,139 | 275,518 | 265,087 | 268,216 | 247,777 | 227,190 | 222,214 | 230,707 | 232,850 | 255,313 | 277,366 | 309,975 |
Borrowing | 45,580 | 45,838 | 70,592 | 56,364 | 63,186 | 45,288 | 36,749 | 15,908 | 14,345 | 12,638 | 17,083 | 19,932 |
9,599 | 10,314 | 11,537 | 14,646 | 18,039 | 10,287 | 6,901 | 14,410 | 12,773 | 17,227 | 18,750 | 21,435 | |
Total Liabilities | 328,950 | 356,044 | 375,275 | 362,488 | 350,909 | 321,111 | 300,699 | 298,653 | 302,540 | 331,498 | 364,272 | 412,962 |
2,978 | 3,026 | 7,041 | 6,893 | 6,350 | 7,842 | 7,719 | 7,402 | 9,587 | 9,303 | 9,435 | 12,200 | |
CWIP | 22 | 54 | 481 | 541 | 502 | 468 | 488 | 471 | 400 | 477 | 108 | 0 |
Investments | 103,419 | 97,347 | 92,810 | 93,075 | 91,848 | 93,328 | 81,996 | 81,471 | 83,475 | 100,409 | 115,719 | 118,453 |
222,531 | 255,617 | 274,943 | 261,980 | 252,208 | 219,474 | 210,496 | 209,309 | 209,078 | 221,309 | 239,011 | 282,309 | |
Total Assets | 328,950 | 356,044 | 375,275 | 362,488 | 350,909 | 321,111 | 300,699 | 298,653 | 302,540 | 331,498 | 364,272 | 412,962 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-1,998 | -1,991 | -567 | 8,000 | -12,514 | -34,215 | 208 | 10,214 | 5,068 | -2,701 | -1,226 | 25,796 | |
-223 | -272 | -715 | -464 | 720 | 116 | -296 | -59 | -192 | -283 | -217 | -344 | |
1,110 | -61 | 2,927 | 1,889 | 12,843 | 21,622 | 9,279 | -5,342 | -4,383 | -3,569 | -1,794 | -6,990 | |
Net Cash Flow | -1,111 | -2,323 | 1,645 | 9,424 | 1,049 | -12,477 | 9,191 | 4,813 | 492 | -6,554 | -3,237 | 18,462 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
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% | -19% | -38% | -49% | -35% | 4% | 6% | 8% | 12% | 14% |
Documents
Announcements
- Business Responsibility and Sustainability Reporting (BRSR) 1m
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Record Date For The Purpose Of Dividend
19m - IDBI Bank announces book closure July 16-22, 2025; dividend record date July 15, 2025, for 21st AGM.
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Notice Of 21St Annual General Meeting Of IDBI Bank
31m - IDBI Bank's 21st AGM on July 22, 2025, to approve FY25 financials, dividend, director re-appointments, and related party transactions.
- Reg. 34 (1) Annual Report. 36m
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Announcement under Regulation 30 (LODR)-Change in Management
31 May - Executive Director Murali Sourirajan retires on May 31, 2025, upon superannuation.
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
from nse
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Financial Year 2012
from bse
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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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Jan 2022TranscriptNotesPPT
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Oct 2021TranscriptNotesPPT
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Jul 2021TranscriptNotesPPT
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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]