IDBI Bank Ltd

IDBI Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

IDBI Bank Ltd

₹ 80.4 -3.91%
25 Apr - close price
idbi.com BSE: 500116 NSE: IDBI
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 ₹ 86,482 Cr.
  • Current Price ₹ 80.4
  • High / Low ₹ 108 / 65.9
  • Stock P/E 12.0
  • Book Value ₹ 52.6
  • Dividend Yield 1.86 %
  • ROCE 6.23 %
  • ROE 11.8 %
  • Face Value ₹ 10.0
    Edit ratios

    Pros

    • Company has delivered good profit growth of 19.0% CAGR over last 5 years
    • Company has been maintaining a healthy dividend payout of 19.0%

    Cons

    • Company has low interest coverage ratio.
    • The company has delivered a poor sales growth of 3.65% over past five years.
    • Company has a low return on equity of 8.98% over last 3 years.
    • Contingent liabilities of Rs.2,09,419 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

    Sector: Banks Industry: Banks - Private Sector

    Part of Nifty 500 BSE 200 BSE Allcap BSE LargeCap BSE Financial Services

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      Quarterly Results

      Consolidated Figures in Rs. Crores / View Standalone

      Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
      4,629 4,608 4,639 4,994 5,230 5,729 6,864 6,038 6,549 6,995 6,670 7,445 7,819
      Interest 2,240 2,175 2,144 2,238 2,304 2,445 2,861 2,966 3,102 3,298 3,428 3,562 3,583
      2,592 2,463 2,571 2,430 2,563 3,167 3,067 1,701 2,444 2,565 1,553 2,781 2,382
      Financing Profit -203 -30 -77 326 363 118 936 1,372 1,003 1,132 1,688 1,102 1,854
      Financing Margin % -4% -1% -2% 7% 7% 2% 14% 23% 15% 16% 25% 15% 24%
      1,200 923 1,190 1,058 923 1,404 907 1,025 1,031 961 857 1,368 810
      Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
      Profit before tax 997 893 1,114 1,384 1,286 1,521 1,843 2,397 2,034 2,093 2,546 2,470 2,664
      Tax % 40% 18% 31% 45% 27% 21% 33% 42% 27% 21% 32% 25% 28%
      618 740 773 782 950 1,223 1,234 1,393 1,515 1,672 1,739 1,869 1,954
      EPS in Rs 0.57 0.68 0.71 0.72 0.88 1.13 1.14 1.29 1.40 1.55 1.61 1.73 1.81
      Gross NPA %
      Net NPA %
      Raw PDF
      Upcoming result date: 28 April 2025

      Profit & Loss

      Consolidated Figures in Rs. Crores / View Standalone

      Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
      25,076 26,608 28,164 28,058 27,805 23,046 22,102 20,854 19,956 18,316 20,592 26,446 28,929
      Interest 19,674 20,558 22,387 21,931 22,019 17,376 16,162 13,841 11,408 9,122 9,130 12,226 13,871
      5,932 7,226 8,424 14,339 18,130 20,698 24,118 20,146 10,515 9,975 10,232 9,233 9,282
      Financing Profit -531 -1,176 -2,647 -8,212 -12,344 -15,028 -18,178 -13,133 -1,967 -781 1,229 4,986 5,776
      Financing Margin % -2% -4% -9% -29% -44% -65% -82% -63% -10% -4% 6% 19% 20%
      3,334 3,112 4,189 3,518 4,207 7,248 3,535 4,631 4,848 4,959 4,617 3,975 3,996
      Depreciation 128 117 141 218 362 377 370 394 397 417 499 543 0
      Profit before tax 2,675 1,819 1,401 -4,912 -8,498 -8,157 -15,013 -8,896 2,484 3,760 5,346 8,418 9,772
      Tax % 29% 36% 32% -26% -40% 0% 0% 44% 42% 32% 30% 31%
      1,902 1,166 957 -3,574 -4,997 -8,116 -14,970 -12,819 1,532 2,557 3,728 5,814 7,234
      EPS in Rs 14.17 7.18 5.87 -17.44 -24.36 -26.37 -19.37 -12.36 1.41 2.36 3.45 5.38 6.70
      Dividend Payout % 25% 14% 13% 0% 0% 0% 0% 0% 0% 0% 29% 28%
      Compounded Sales Growth
      10 Years: 0%
      5 Years: 4%
      3 Years: 10%
      TTM: 15%
      Compounded Profit Growth
      10 Years: 17%
      5 Years: 19%
      3 Years: 56%
      TTM: 35%
      Stock Price CAGR
      10 Years: 1%
      5 Years: 31%
      3 Years: 19%
      1 Year: -9%
      Return on Equity
      10 Years: -9%
      5 Years: 0%
      3 Years: 9%
      Last Year: 12%

      Balance Sheet

      Consolidated Figures in Rs. Crores / View Standalone

      Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
      Equity Capital 1,333 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 19,869 22,028 22,771 26,000 21,204 18,824 30,610 24,455 26,876 31,819 35,567 40,321 43,925
      Deposits 241,472 250,139 275,518 265,087 268,216 247,777 227,190 222,214 230,707 232,850 255,313 277,366 277,276
      Borrowing 51,227 45,580 45,838 70,592 56,364 63,186 45,288 36,749 15,908 14,345 12,638 17,083 20,309
      8,765 9,599 10,314 11,537 14,646 18,039 10,287 6,901 14,410 12,773 17,227 18,750 21,289
      Total Liabilities 322,666 328,950 356,044 375,275 362,488 350,909 321,111 300,699 298,653 302,540 331,498 364,272 373,552
      2,928 2,978 3,026 7,041 6,893 6,350 7,842 7,719 7,402 9,587 9,303 9,435 9,391
      CWIP 18 22 54 481 541 502 468 488 471 400 477 108 0
      Investments 98,433 103,419 97,347 92,810 93,075 91,848 93,328 81,996 81,471 83,475 100,409 115,719 117,302
      221,288 222,531 255,617 274,943 261,980 252,208 219,474 210,496 209,309 209,078 221,309 239,011 246,859
      Total Assets 322,666 328,950 356,044 375,275 362,488 350,909 321,111 300,699 298,653 302,540 331,498 364,272 373,552

      Cash Flows

      Consolidated Figures in Rs. Crores / View Standalone

      Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
      -299 -1,998 -1,991 -567 8,000 -12,514 -34,215 208 3,443 5,068 -2,701 -1,226
      -123 -223 -272 -715 -464 720 116 -296 -59 -192 -283 -217
      329 1,110 -61 2,927 1,889 12,843 21,622 9,279 1,428 -4,383 -3,569 -1,794
      Net Cash Flow -92 -1,111 -2,323 1,645 9,424 1,049 -12,477 9,191 4,813 492 -6,554 -3,237

      Ratios

      Consolidated Figures in Rs. Crores / View Standalone

      Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
      ROE % 9% 5% 4% -14% -19% -38% -49% -35% 4% 6% 8% 12%

      Shareholding Pattern

      Numbers in percentages

      Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 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 5,93,5615,95,3015,84,6255,98,4155,82,1606,08,4906,36,6996,72,4346,82,0997,15,3617,23,5197,21,423

      * 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.

      Click on the line-items to see the names of individual entities.

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