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IDBI Bank Ltd
NSE: IDBI BSE: 500116 INE008A01015 Financial Services Bank 🔎 Screen
NIFTY 500 Smallcap 100 Smallcap 250
₹77,473 Cr
Market Cap
1.34
P/B
6.5%
ROCE
14.2%
ROE
5.47
D/E
Fin. Margin
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📈 Price History
Ratio Health
Excellent
Good
Average
Poor
By Category
Shareholding
About

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

✓ Strengths 2
  • Stock is trading at 1.15 times its book value
  • Company has delivered good profit growth of 43.5% CAGR over last 5 years
! Concerns

No concerns data yet.

Key Ratios Snapshot
📊 Sector Averages
📈 Growth Pattern
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3-Statement Financial Model
Bear / Base / Bull projections · DCF fair value · Reverse-DCF
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📊 MIXED IDBI Bank's ₹2,013 Cr net profit
Revenue
IDBI Bank's revenue rose 11.8% YoY to ₹7,804 Cr, and 10.2% QoQ. Other income stood at ₹1,714 Cr. Interest income was ₹3,944 Cr.
Profitability
Net profit declined 3.9% YoY to ₹2,013 Cr, with a tax rate of 29%. EPS stood at 1.87, down from 1.94 in the previous year.
Margins
Financing margin was 14%, down from 17% in the previous quarter. This indicates potential NIM compression.
Cash Flow
Not applicable for banking/financial companies.
Balance Sheet
Total assets stood at ₹467,386 Cr, with reserves of ₹57,812 Cr. Borrowings data is not available.
Key Risks
Risks include NIM compression, potential deterioration in asset quality, and credit costs. Regulatory changes may also impact the bank's operations.
Outlook
IDBI Bank's revenue growth and profitability will depend on its ability to manage NIM compression and asset quality. The bank's future performance will be influenced by regulatory changes and industry trends.
Generated by AI · Mar 2026 results · Not investment advice
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Revenue by Segment

Segment Q3FY26 Q4FY26 Trend
Corporate/Wholesale Banking
2,046
2,419
Other Banking operations
131
192
Retail Banking
8,787
9,280
Treasury
3,549
3,623
Total 14,512 15,513

Source: NSE Integrated Filing XBRL (Reg. 33 Ind AS). Values in ₹ Crore.

🏦 Banking KPIs

NIM, GNPA, CASA, CAR, ROA, ROE and more — extracted from investor presentations
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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⚠️ Important Disclaimers — Please read without fail.

Investment Risk:
Investing in securities, including equities and mutual funds, involves inherent risks, including the potential loss of principal. All investments are subject to market fluctuations, regulatory changes, and other risks that may affect their value. Past performance is not indicative of future results. This report is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This report does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a SEBI-registered investment adviser or other qualified financial professional before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities or financial instruments discussed in this report. Any such positions, if material, are disclosed to the best of the author's knowledge and are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company, institution, or third party.

Information Sources:
The analysis and opinions expressed herein are based on publicly available information, including but not limited to company filings with the BSE/NSE, annual reports, management commentary, investor presentations, data from the Reserve Bank of India (RBI), SEBI, industry publications, and other reliable financial data sources. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

Forward-Looking Statements:
This report may contain forward-looking statements, forecasts, or projections that are inherently subject to risks, uncertainties, and assumptions. Actual results may differ materially from those expressed or implied. The author does not undertake any obligation to update such statements in the future.

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This report is intended to comply with the Securities and Exchange Board of India (Research Analysts) Regulations, 2014, as amended, and other applicable Indian laws and regulations.

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