IDBI Bank Ltd's Q4FY25 Quarter Results
- 29 Apr 2025
Result Summary
- IDBI Bank Ltd reported a 7.8% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 11.5%.
- Its expenses for the quarter were down by 0.9% QoQ and up 24.3% YoY.
- The net profit decreased 14.4% QoQ and increased 36.7% YoY.
- The earnings per share (EPS) of IDBI Bank Ltd stood at 22.4 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 7955.95 | 8628.99 | 7133.43 | -7.8% | 11.5% |
Total Expenses | 5749.56 | 5799.25 | 4626.38 | -0.9% | 24.3% |
Provisions & contingencies | 113.45 | 166.21 | 985.57 | -31.7% | -88.5% |
Profit Before Tax | 2092.94 | 2663.53 | 1521.48 | -21.4% | 37.6% |
Tax | 437.85 | 734.44 | 314.66 | -40.4% | 39.2% |
Profit After Tax | 1672.00 | 1953.62 | 1223.35 | -14.4% | 36.7% |
Earnings Per Share | 22.40 | 1.80 | 1.10 | 1144.4% | 1936.4% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
IDBI Bank Ltd is a prominent player in the Indian banking sector, primarily involved in providing a wide range of financial services. These include retail banking, corporate banking, investment banking, mortgage loans, private banking, and asset management. The bank has been focusing on enhancing its digital capabilities and expanding its customer base in recent years. As a public sector bank, IDBI Bank Ltd has a significant presence across India, catering to both individual and corporate clients. The banking industry in India is characterized by intense competition, technological advancement, and regulatory oversight, all of which influence IDBI Bank's operations and strategic initiatives.
Revenue
During the fourth quarter of the fiscal year 2025 (Q4FY25), IDBI Bank Ltd reported a total income of ₹7955.95 crores. This represents a quarter-over-quarter (QoQ) decrease of 7.8% from ₹8628.99 crores in Q3FY25. However, on a year-over-year (YoY) basis, total income increased by 11.5% from ₹7133.43 crores in Q4FY24. These figures suggest fluctuations in revenue generation, possibly due to varying market conditions or strategic decisions taken by the bank in different quarters. Despite the QoQ decline, the positive YoY growth indicates an overall improvement in revenue generation compared to the previous year.
Profitability
In terms of profitability, IDBI Bank Ltd recorded a profit before tax (PBT) of ₹2092.94 crores in Q4FY25, which shows a decline of 21.4% from ₹2663.53 crores in Q3FY25. However, compared to Q4FY24, where the PBT was ₹1521.48 crores, there is a significant YoY increase of 37.6%. The profit after tax (PAT) for Q4FY25 was ₹1672.00 crores, marking a decrease of 14.4% from ₹1953.62 crores in Q3FY25, but an increase of 36.7% from ₹1223.35 crores in Q4FY24. The tax expense for Q4FY25 was ₹437.85 crores, reflecting a substantial reduction of 40.4% QoQ and an increase of 39.2% YoY. These numbers indicate variations in tax liabilities and profitability across quarters and years.
Operating Metrics
IDBI Bank's total expenses for Q4FY25 stood at ₹5749.56 crores, which is a slight decrease of 0.9% from ₹5799.25 crores in Q3FY25. On a YoY basis, total expenses increased by 24.3% from ₹4626.38 crores in Q4FY24. Provisions and contingencies for Q4FY25 were ₹113.45 crores, reflecting a significant QoQ reduction of 31.7% from ₹166.21 crores in Q3FY25 and a YoY decrease of 88.5% from ₹985.57 crores in Q4FY24. The earnings per share (EPS) for Q4FY25 was ₹22.40, which is a dramatic increase from ₹1.80 in Q3FY25 and from ₹1.10 in Q4FY24, indicating changes in the bank's earnings performance. These operating metrics highlight key financial parameters that influence the bank's operational efficiency and financial health over time.
