IDBI Bank Limited — Quarter and year ended March 31, 2026
Standalone Segment Information for the year ended March 31, 2026
(₹ in Crore)
| Sr. No. | Particulars | 31.03.2026 (Audited) | 31.12.2025 (Unaudited) | 31.03.2025 (Audited) | 31.03.2026 (Audited) | 31.03.2025 (Audited) |
|---|---|---|---|---|---|---|
| a. Segment Revenue | ||||||
| Corporate/Wholesale banking | 2,421.31 | 2,049.19 | 2,456.48 | 8,736.67 | 8,694.39 | |
| Retail banking | 9,280.29 | 8,786.69 | 9,147.81 | 35,030.58 | 34,368.31 | |
| Treasury | 3,622.87 | 3,548.84 | 3,534.56 | 16,110.04 | 14,391.42 | |
| Other banking operations | 80.92 | 58.51 | 85.08 | 252.72 | 206.06 | |
| Unallocated | 316.29 | 9.87 | 12.72 | 329.30 | 819.37 | |
| Total | 15,721.68 | 14,453.10 | 15,236.65 | 60,459.31 | 58,479.55 | |
| Less: Inter-segment revenue | 6,312.23 | 6,170.69 | 6,201.36 | 24,715.78 | 24,653.53 | |
| Net Segment Revenue | 9,409.45 | 8,282.41 | 9,035.29 | 35,743.53 | 33,826.02 | |
| b. Segment Results – Profit/(loss) before tax | ||||||
| Corporate/Wholesale banking | 690.84 | 813.81 | 1,860.85 | 3,244.54 | 2,164.54 | |
| Retail banking | 1,099.73 | 609.14 | 1,788.64 | 3,264.52 | 5,125.60 | |
| Treasury | 589.61 | 984.73 | (766.36) | 4,897.28 | 2,311.17 | |
| Other banking operations | 61.60 | 41.62 | 65.90 | 190.51 | 189.38 | |
| Unallocated | 316.29 | 9.59 | 12.72 | 329.02 | 777.52 | |
| Profit/(Loss) before tax | 2,758.07 | 2,458.89 | 2,961.75 | 11,925.87 | 10,568.21 | |
| Income taxes | 814.90 | 523.44 | 910.57 | 2,412.51 | 3,053.04 | |
| Net profit/(Loss) | 1,943.17 | 1,935.45 | 2,051.18 | 9,513.36 | 7,515.17 | |
| c. Segment assets | ||||||
| Corporate/Wholesale banking | 78,129.79 | 70,926.45 | 65,712.49 | 78,129.79 | 65,712.49 | |
| Retail banking | 1,90,184.53 | 1,84,087.22 | 1,66,374.71 | 1,90,184.53 | 1,66,374.71 | |
| Treasury | 1,94,102.91 | 1,62,694.66 | 1,72,749.05 | 1,94,102.91 | 1,72,749.05 | |
| Other banking operations | 25.61 | 29.46 | 33.19 | 25.61 | 33.19 | |
| Unallocated assets | 4,116.82 | 5,236.36 | 6,837.66 | 4,116.82 | 6,837.66 | |
| Total assets | 4,66,559.66 | 4,22,974.15 | 4,11,707.10 | 4,66,559.66 | 4,11,707.10 | |
| d. Segment liabilities | ||||||
| Corporate/Wholesale banking | 44,184.85 | 38,029.87 | 38,506.53 | 44,184.85 | 38,506.53 | |
| Retail banking | 3,13,497.85 | 2,82,594.84 | 2,81,894.81 | 3,13,497.85 | 2,81,894.81 | |
| Treasury | 41,235.43 | 33,577.04 | 31,050.71 | 41,235.43 | 31,050.71 | |
| Other banking operations | 3.95 | 6.63 | 4.04 | 3.95 | 4.04 | |
| Unallocated liabilities | – | – | – | – | – | |
| Total liabilities | 3,98,922.08 | 3,54,208.38 | 3,51,456.09 | 3,98,922.08 | 3,51,456.09 | |
| e. Capital employed (Segment assets – Segment liabilities) | ||||||
| Corporate/Wholesale banking | 33,944.94 | 32,896.58 | 27,205.96 | 33,944.94 | 27,205.96 | |
| Retail banking | (1,23,313.32) | (98,507.62) | (1,15,520.10) | (1,23,313.32) | (1,15,520.10) | |
| Treasury | 1,52,867.48 | 1,29,117.62 | 1,41,698.34 | 1,52,867.48 | 1,41,698.34 | |
| Other banking operations | 21.66 | 22.83 | 29.15 | 21.66 | 29.15 | |
| Unallocated | 4,116.82 | 5,236.36 | 6,837.66 | 4,116.82 | 6,837.66 | |
| Total | 67,637.58 | 68,765.77 | 60,251.01 | 67,637.58 | 60,251.01 |
Standalone Cash Flow Statement for the year ended March 31, 2026
(₹ in crore)
| Particulars | For the Year ended 31.03.2026 (Audited) | For the Year ended 31.03.2025 (Audited) |
|---|---|---|
| A. Cash flow from Operating Activities | ||
| (1) Net profit/(loss) before tax and extra-ordinary items | 11,925.87 | 10,568.21 |
| (2) Adjustments: | ||
| – (Profit) / Loss on sale of Fixed Assets | 9.43 | 2.31 |
| – Depreciation and revaluation loss | 610.39 | 531.48 |
| – Amortisation of premium on Held to Maturity investments | 137.51 | 115.60 |
| – Provisions/ Write off of Loans/ Investments | 97.10 | (1,856.36) |
| – Provisions for Standard and Restructured Assets | (1,080.06) | 2,699.72 |
| – Other Provisions | (105.39) | (332.82) |
| – (Profit)/ Loss on Sale of Strategic Investment | (1,725.74) | |
| – (Profit)/ Loss on revaluation of Investments | (166.45) | 87.24 |
| – Interest on borrowings (other than operational activities) | 208.71 | 591.52 |
| – Dividend received from subsidiary companies/joint ventures/Associates | (18.50) | (25.23) |
| 9,892.87 | 12,381.67 | |
| (3) Adjustments for (increase)/ decrease in operating assets: | ||
| – Investments | (8,331.62) | (1,639.91) |
| – Advances | (35,363.05) | (27,468.46) |
| – Other Assets | (1,689.21) | 566.07 |
| (4) Adjustments for increase/ (decrease) in operating liabilities: | ||
| – Borrowings | 11,374.26 | 7,544.58 |
| – Deposits | 36,950.73 | 32,596.33 |
| – Other liabilities and provisions | 3,531.95 | 56.70 |
| Cash Flow from Operating Activities before taxes | 24,036.98 | |
| Direct Taxes paid (Net of Refund) | 386.37 | 1,758.50 |
| Net Cash flow from / (used in) Operating activities | 16,752.30 | 25,795.48 |
| B. Cash Flow from Investing activities | ||
| – Purchase of fixed assets including work in progress | (322.60) | (342.64) |
| – Sale of fixed assets | 1.94 | 2.25 |
| – Proceeds from Sale of Strategic Investment (Net of Expenses) | 1,730.19 | – |
| – Dividend received from subsidiary companies/joint ventures/Associates | 18.50 | 25.23 |
| Net Cash flow from / (used in) Investing activities | 1,428.03 | (315.16) |
| C. Cash Flow from Financing activities | ||
| – Dividend paid | (2,256.67) | (1,611.79) |
| – Interest paid on borrowings | (318.93) | (645.50) |
| – Redemption of Bonds | (3,202.00) | (4,745.00) |
| Net Cash flow from / (used in) Financing activities | (5,777.60) | (7,002.29) |
| D. Effect of exchange fluctuation on translation reserve | 18.85 | 5.27 |
| Net increase/ (decrease) in cash & cash Equivalents (A+B+C+D) | 12,421.58 | 18,483.30 |
| Cash & Cash Equivalents as at the beginning of the year | 44,416.18 | 25,932.89 |
| Cash & Cash Equivalents as at the end of the period | 56,837.76 | 44,416.18 |
Standalone Cash Flow Statement note (Cash & Cash equivalents composition)
(₹ in crore)
| Particulars | 31.03.2026 (₹ Crore) | 31.03.2025 (₹ Crore) |
|---|---|---|
| Cash & Balances with Reserve Bank of India | 33,230.37 | 21,294.15 |
| Balances with banks & money at call and short notice | 23,607.39 | 23,122.03 |
| Total | 56,837.76 | 44,416.18 |
Consolidated Segment Information for the year ended March 31, 2026
(₹ in Crores)
| Sr. No. | Particulars | Quarter ended | Year Ended | |||
|---|---|---|---|---|---|---|
| 31.03.2026 | 31.12.2025 | 31.03.2025 | 31.03.2026 | 31.03.2025 | ||
| (Audited) | (Unaudited) | (Audited) | (Audited) | (Audited) | ||
| a. Segment Revenue | ||||||
| Corporate/Wholesale banking | 2418.61 | 2046.11 | 2449.28 | 8709.29 | 8658.72 | |
| Retail banking | 9280.29 | 8786.70 | 9147.80 | 35030.60 | 34368.31 | |
| Treasury | 3622.87 | 3548.84 | 3534.56 | 15701.12 | 14391.42 | |
| Other banking operations | 191.67 | 130.78 | 146.81 | 576.66 | 474.46 | |
| Unallocated | 316.29 | 9.87 | 12.72 | 329.30 | 819.36 | |
| Total | 15829.73 | 14522.30 | 15291.17 | 60346.97 | 58712.27 | |
| Less: Inter-segment revenue | 6312.23 | 6170.69 | 6201.36 | 24715.78 | 24653.52 | |
| Net Segment Revenue | 9517.50 | 8351.61 | 9089.81 | 35631.19 | 34058.75 | |
| b. Segment Results – Profit/(loss) before tax | ||||||
| Corporate/Wholesale banking | 731.20 | 843.85 | 1897.82 | 3358.40 | 2254.87 | |
| Retail banking | 1099.73 | 609.14 | 1788.65 | 3264.53 | 5125.61 | |
| Treasury | 589.61 | 984.73 | (766.36) | 4488.36 | 2311.17 | |
| Other banking operations | 98.65 | 36.43 | 74.13 | 216.21 | 201.15 | |
| Unallocated | 316.29 | 9.59 | 12.72 | 329.02 | 819.36 | |
| Profit/(Loss) before tax | 2835.47 | 2483.74 | 3006.96 | 11656.52 | 10712.16 | |
| Income taxes | 828.35 | 529.65 | 919.47 | 2446.55 | 3081.48 | |
| Net profit/(Loss) | 2007.12 | 1954.09 | 2087.49 | 9209.97 | 7630.68 | |
| c. Segment assets | ||||||
| Corporate/Wholesale banking | 78125.66 | 70926.76 | 65710.75 | 78125.66 | 65710.75 | |
| Retail banking | 190184 |