IDBI Bank Ltd

₹ 101 0.90%

11 Jul 9:22 a.m.

About

IDBI Bank is engaged in the business of Monetary intermediation of commercial banks, saving banks, postal savings bank and discount houses.

Key Points

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]

Website BSE NSE

Market Cap ₹ 1,08,330 Cr.
Current Price ₹ 101
High / Low ₹ 108 / 65.9
Stock P/E 14.2
Book Value ₹ 57.3
Dividend Yield 2.09 %
ROCE 6.78 %
ROE 13.6 %
Face Value ₹ 10.0

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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.3,35,786 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 BSE LargeCap BSE Financial Services BSE 250 LargeMidCap Index BSE 100 LargeCap TMC Index Nifty MidSmallcap 400 Nifty Smallcap 250 Nifty 500 Multicap 50:25:25 Nifty Total Market Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
	4,608	4,639	4,994	5,230	5,729	6,864	6,038	6,549	6,995	6,670	7,445	7,819	6,983
Interest	2,175	2,144	2,238	2,304	2,445	2,861	2,966	3,102	3,298	3,428	3,562	3,583	3,683
	2,463	2,571	2,430	2,563	3,167	3,067	1,701	2,444	2,565	1,553	2,781	2,382	2,415
Financing Profit	-30	-77	326	363	118	936	1,372	1,003	1,132	1,688	1,102	1,854	885
Financing Margin %	-1%	-2%	7%	7%	2%	14%	23%	15%	16%	25%	15%	24%	13%
	923	1,190	1,058	923	1,404	907	1,025	1,031	961	857	1,368	810	2,107
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	893	1,114	1,384	1,286	1,521	1,843	2,397	2,034	2,093	2,546	2,470	2,664	2,991
Tax %	18%	31%	45%	27%	21%	33%	42%	27%	21%	32%	25%	28%	31%
	740	773	782	950	1,223	1,234	1,393	1,515	1,672	1,739	1,869	1,954	2,094
EPS in Rs	0.68	0.71	0.72	0.88	1.13	1.14	1.29	1.40	1.55	1.61	1.73	1.81	1.94
Gross NPA %
Net NPA %
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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	8,594
Financing Profit	-1,176	-2,647	-8,212	-12,344	-15,028	-18,178	-13,133	-1,967	-781	1,229	4,986	6,067
Financing Margin %	-4%	-9%	-29%	-44%	-65%	-82%	-63%	-10%	-4%	6%	19%	21%
	3,112	4,189	3,518	4,207	7,248	3,535	4,631	4,848	4,959	4,617	3,975	5,209
Depreciation	117	141	218	362	377	370	394	397	417	499	543	538
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	10,738
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:	34%

Stock Price CAGR
10 Years:	4%
5 Years:	18%
3 Years:	46%
1 Year:	16%

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	19,138	21,435
Total Liabilities	328,950	356,044	375,275	362,488	350,909	321,111	300,699	298,653	302,540	331,498	364,659	412,962
	2,978	3,026	7,041	6,893	6,350	7,842	7,719	7,402	9,587	9,303	9,435	12,120
CWIP	22	54	481	541	502	468	488	471	400	477	108	80
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	239,398	282,309
Total Assets	328,950	356,044	375,275	362,488	350,909	321,111	300,699	298,653	302,540	331,498	364,659	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	-1,252	25,796
	-223	-272	-715	-464	720	116	-296	-59	-192	-283	-217	-338
	1,110	-61	2,927	1,889	12,843	21,622	9,279	-5,342	-4,383	-3,569	-1,768	-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	18,467

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%

Shareholding Pattern

Numbers in percentages

	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
	94.71%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%
	0.02%	0.05%	0.06%	0.22%	0.30%	0.40%	0.32%	0.45%	0.46%	0.46%	0.42%	0.46%
	0.23%	0.15%	0.17%	0.16%	0.16%	0.24%	0.15%	0.15%	0.16%	0.17%	0.18%	0.18%
	0.00%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
	5.04%	5.08%	5.06%	4.90%	4.84%	4.62%	4.80%	4.67%	4.65%	4.64%	4.69%	4.63%
No. of Shareholders	5,93,561	5,95,301	5,84,625	5,98,415	5,82,160	6,08,490	6,36,699	6,72,434	6,82,099	7,15,361	7,23,519	7,21,423

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	73.98%	73.98%	80.96%	97.46%	98.11%	94.71%	94.71%	94.72%	94.72%	94.72%
	0.00%	2.53%	1.71%	0.10%	0.02%	0.09%	0.03%	0.22%	0.45%	0.46%
	18.62%	15.41%	12.15%	0.27%	0.15%	1.62%	0.36%	0.16%	0.15%	0.18%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	0.01%
	7.39%	8.08%	5.17%	2.17%	1.73%	3.58%	4.89%	4.90%	4.67%	4.63%
No. of Shareholders	4,11,571	4,03,981	3,60,886	3,76,197	3,84,619	5,40,998	5,69,481	5,98,415	6,72,434	7,21,423

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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