IDBI Bank Limited Earnings Summary — Q1 FY2027
IDBI Bank Records Significant Net Profit Growth in Q1 FY2027 with Robust Asset Quality
Quarterly Business Intelligence
AI Quarterly Scorecard™
Computed deterministically from the last 10 reported quarters.
Quarterly Business Momentum
- Revenue declined 3.3% sequentially in Q1 FY2027.
- Revenue of ₹7,549 Cr is 7.4% higher year-on-year.
- Revenue has compounded at 3.4% annualised over the last 10 quarters.
- Net profit of ₹2,127 Cr is 5.3% above the same quarter last year.
- Profit growth is trailing revenue growth this quarter.
- Net profit has compounded at 11.5% annualised across the period.
- Operating margin stands at 76.8% in Q1 FY2027.
- Operating margin expanded by 655 bps year-on-year.
- Over the last two years operating margin has expanded by 9 bps.
- PBT margin is 37.5%.
- Expense growth of -16.2% remained below revenue growth of 7.4%.
- Operating profit of ₹5,798 Cr is 17.5% higher year-on-year.
- Operating leverage continues to improve.
- 3 of the last 6 measured quarters delivered year-on-year revenue growth.
- Overall quarterly business momentum scores 70/100 (Strong) on the latest 10 quarters.
- Business momentum remains positive heading into the next quarter.
Quarterly Financials
Last 10 Reported Quarters • All figures in ₹ Crore • Margins in %
| Metric | Trend | Latest Q1 FY2027 | Q4 FY2026 | Q3 FY2026 | Q2 FY2026 | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 | Q1 FY2025 | Q4 FY2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Stable | 7,549 | 7,804 | 7,080 | 7,109 | 7,027 | 6,983 | 7,819 | 7,445 | 6,670 | 6,995 |
| Expenses | Stable | 1,751 | 2,757 | 2,000 | 1,651 | 2,091 | 2,415 | 2,382 | 2,781 | 1,553 | 2,565 |
| Operating Profit | Improving | 5,798 | 5,046 | 5,080 | 5,458 | 4,936 | 4,568 | 5,437 | 4,664 | 5,117 | 4,430 |
| Operating Margin | Stable | 76.8% | 64.7% | 71.8% | 76.8% | 70.3% | 65.4% | 69.5% | 62.6% | 76.7% | 63.3% |
| Other Income | Volatile | 1,084 | 1,714 | 1,271 | 2,155 | 1,472 | 2,107 | 810 | 1,368 | 857 | 961 |
| Interest | Stable | 4,053 | 3,944 | 3,862 | 3,816 | 3,851 | 3,683 | 3,583 | 3,562 | 3,428 | 3,298 |
| Depreciation | Insufficient data | — | — | — | — | — | — | — | — | — | — |
| Profit Before Tax | Improving | 2,829 | 2,816 | 2,489 | 3,797 | 2,557 | 2,991 | 2,664 | 2,470 | 2,546 | 2,093 |
| Tax | Improving | 699 | 828 | 530 | 556 | 533 | 919 | 734 | 621 | 806 | 438 |
| Net Profit | Improving | 2,127 | 2,007 | 1,954 | 3,230 | 2,019 | 2,087 | 1,948 | 1,861 | 1,734 | 1,665 |
| Net Margin | Improving | 28.2% | 25.7% | 27.6% | 45.4% | 28.7% | 29.9% | 24.9% | 25.0% | 26.0% | 23.8% |
Key Takeaways
- Standalone Net Profit for Q1 FY2027 reached ₹2,115.18 crore, a 5.37% increase YoY.
- Gross Non-Performing Assets (NPAs) significantly improved to 2.30% from 2.93% YoY.
- Provision Coverage Ratio (PCR) including technical write-offs remains very high at 99.31%.
- Net Interest Margin (NIM) stood at 3.61% for the quarter.
- The Bank's Capital Adequacy Ratio (CAR) is robust at 22.42%, with a CET 1 Ratio of 20.25%.
- Operating Profit for the quarter was ₹2,167.81 crore, down from ₹3,013.38 crore in the preceding quarter.
- Interest Earned showed healthy YoY growth reaching ₹7,541.44 crore compared to ₹7,021.00 crore in the same quarter last year.
Management Guidance
Management emphasizes a strategy of differentiated granular approaches for retail business and a calibrated approach toward the corporate book, aiming to maintain retail-to-corporate ratios within a stable range.
Sentiment Shift
Stable
The bank continues to show consistent profitability and significant improvement in asset quality metrics compared to the previous year, maintaining a very high provision coverage.
Outlook
The bank is focused on sustained growth post-PCA, targeting expansion in both retail and mid-corporate segments while maintaining robust capital and liquidity buffers.
From the Annual Report (Key Quotes)
“Net profit recorded a highest every quarterly net profit in the history of the bank.”
“We have the highest PCR of 97.86% in the industry [referring to historical context of reporting].”
“IDBI bank continues to move on its growth trajectory with yet another strong quarterly performance.”
Official Quarterly Documents
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This summary is AI-generated from IDBI Bank Limited's latest quarterly filing and earnings call. For informational purposes only — not investment advice.