IDBI Bank: Q2 FY27 Net Profit ₹2,205 Cr; Gross NPA at 2.12%
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 17 Oct 2026, 02:51 PM IST · BSE ID: ae872659-0912-47f5-9d88-db4d3f5948cf
View Original BSE Filing (PDF)
💡
In Simple Terms
IDBI Bank announced its latest quarterly results, showing increased profits and better asset quality.
🤖 AI Summary
- IDBI Bank reported Net Profit of ₹2,205 Crores for Q2 FY27, up 4% QoQ.
- Operating Profit increased 33% QoQ to ₹2,893 Crores for Q2 FY27.
- Net Interest Income (NII) grew 29% YoY to ₹4,228 Crores in Q2 FY27.
- Gross NPA reduced to 2.12%, a 53 bps YoY reduction as of September 30, 2026.
- Capital Adequacy Ratio (CRAR) improved to 27.10% as of September 30, 2026.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit
₹2,205 Crores
-39%
Operating Profit
₹2,893 Crores
-18%
Net Interest Income (NII)
₹4,228 Crores
29%
Total Business
₹6,27,216 Crores
18%
Provision Coverage Ratio (PCR)
99.24%
-2 bps
🏢 How This Affects the Company
Total Business grew 18% YoY to ₹6,27,216 Crores, indicating expansion in lending and deposit-taking activities. Net Advances increased 18% YoY to ₹2,71,533 Crores, supporting loan book expansion.
Net Profit reached ₹2,205 Crores, and Net Interest Income increased by 29% YoY, enhancing core earnings. Gross NPA reduction to 2.12% and Provision Coverage Ratio of 99.24% indicate improved asset quality and reduced credit risk.
Cost to income ratio decreased to 48.17% QoQ, suggesting operational efficiency improvements. The launch of a Salary Account Package for Central Government Employees expands engagement with the government sector.
Gross NPA and Net NPA reductions demonstrate decreasing credit risk exposure. Improved CRAR to 27.10% strengthens the bank's capital buffer against potential shocks.
👥 What This Means For Shareholders
✅
Action Required
No specific action is required from shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the bank's financial performance, specifically the reported net profit of ₹2,205 Crores and improved asset quality ratios.
🔍
Management Signal
The focus on improving Net Interest Margin, reducing Non-Performing Assets, and maintaining strong capital adequacy signals a commitment to sustainable growth and risk management.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q3 FY27 results — monitor sustenance of asset quality improvement.
Future NII growth trends — observe continued expansion in interest income.
Updates on strategic investments — assess any new one-off gains or losses.
LOW RISK
Financial results indicate strong asset quality improvement, capital adequacy, and core operational growth.
💡 Investor Takeaway
IDBI Bank's Q2 FY27 Net Profit reached ₹2,205 Crores (4% QoQ increase), with Net Interest Income at ₹4,228 Crores (29% YoY growth). Gross NPA improved to 2.12%, while CRAR stood at 27.10%, reflecting strong financial and asset quality metrics.
⚖️ Strengths & Concerns
✅ Positives
- Net Interest Income (NII) grew 29% YoY to ₹4,228 Crores and 21% QoQ, demonstrating strong core revenue generation.
- Gross NPA ratio improved to 2.12% and Net NPA to 0.17%, coupled with a 99.24% Provision Coverage Ratio, indicating enhanced asset quality.
⚠️ Concerns
- Net Profit increased by only 4% QoQ to ₹2,205 Crores despite a 33% QoQ increase in Operating Profit, suggesting other factors impacting bottom line.
- YoY Net Profit comparison for Q2 FY27 showed a -39% change, heavily influenced by a one-off gain in Q2 FY26.
📅 Company Track Record
IDBI Bank's Q1 FY27 standalone net profit increased to Rs. 2,115.18 Crore, a 5% YoY rise. The Q2 FY27 net profit of ₹2,205.45 Crore indicates continued profit growth and asset quality improvement, building on previous quarters.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was IDBI Bank's Net Profit in Q2 FY27?
IDBI Bank's Net Profit for Q2 FY27 was ₹2,205 Crores, representing a 4% increase QoQ.
What was IDBI Bank's Gross NPA ratio for Q2 FY27?
The Gross NPA ratio for IDBI Bank improved to 2.12% as on September 30, 2026, a YoY reduction of 53 bps.
What was the Net Interest Income (NII) for IDBI Bank in Q2 FY27?
IDBI Bank's Net Interest Income (NII) stood at ₹4,228 Crores in Q2 FY27, showing a 29% YoY growth.
What is IDBI Bank's Capital Adequacy Ratio (CRAR) as of September 30, 2026?
IDBI Bank's CRAR improved to 27.10% as on September 30, 2026, an increase of 171 bps YoY.
How did IDBI Bank's Operating Profit perform in Q2 FY27?
IDBI Bank's Operating Profit for Q2 FY27 was ₹2,893 Crores, increasing by 33% QoQ.
Questions based on this BSE filing only. For information purposes.