IDBI Bank Ltd Q2 FY23 Share Price & Earnings Call Analysis

Financials of IDBI Bank Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of IDBI Bank Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +5,7296,8646,0386,5496,9956,6707,4457,8196,9837,0277,1097,0807,804
Interest2,4452,8612,9663,1023,2983,4283,5623,5833,6833,8513,8163,8623,944
Expenses +3,1673,0671,7012,4442,5651,5532,7812,3822,4152,0911,6512,0002,757
Financing Profit1189361,3721,0031,1321,6881,1021,8548851,0851,6421,2181,102
Financing Margin %2%14%23%15%16%25%15%24%13%15%23%17%14%
Other Income +1,4049071,0251,0319618571,3688102,1071,4722,1551,2711,714
Depreciation0000000000000
Profit before tax1,5211,8432,3972,0342,0932,5462,4702,6642,9912,5573,7972,4892,816
Tax %21%33%42%27%21%32%25%28%31%21%15%21%29%
Net Profit +1,2231,2341,3931,5151,6721,7391,8691,9542,0942,0243,2411,9592,013
EPS in Rs1.131.141.291.401.551.611.731.811.941.883.001.821.87
Gross NPA %
Net NPA %

Financials of IDBI Bank Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +28,16428,05827,80523,04622,10220,85419,95618,31620,59226,44628,91729,020
Interest22,38721,93122,01917,37616,16213,84111,4089,1229,13012,22614,25715,474
Expenses +8,42414,33918,13020,69824,11820,14610,5159,97510,2329,2338,5948,499
Financing Profit-2,647-8,212-12,344-15,028-18,178-13,133-1,967-7811,2294,9866,0675,046
Financing Margin %-9%-29%-44%-65%-82%-63%-10%-4%6%19%21%17%
Other Income +4,1893,5184,2077,2483,5354,6314,8484,9594,6173,9755,2096,612
Depreciation1412183623773703943974174995435380
Profit before tax1,401-4,912-8,498-8,157-15,013-8,8962,4843,7605,3468,41810,73811,658
Tax %32%-26%-40%0%0%44%42%32%30%31%29%21%
Net Profit +957-3,574-4,997-8,116-14,970-12,8191,5322,5573,7285,8147,6569,237
EPS in Rs5.87-17.44-24.36-26.37-19.37-12.361.412.363.455.387.108.57
Dividend Payout %13%0%0%0%0%0%0%0%29%28%30%0%

Financials of IDBI Bank Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital1,6042,0592,0593,0847,73610,38110,75210,75210,75210,75210,75210,752
Reserves22,77126,00021,20418,82430,61024,45526,87631,81935,56740,32150,86857,812
Deposits275,518265,087268,216247,777227,190222,214230,707232,850255,313277,366309,975346,776
Borrowing45,83870,59256,36463,18645,28836,74915,90814,34512,63817,08319,93228,104
Other Liabilities +10,31411,53714,64618,03910,2876,90114,41012,77317,22719,13821,43523,942
Total Liabilities356,044375,275362,488350,909321,111300,699298,653302,540331,498364,659412,962467,386
Fixed Assets +3,0267,0416,8936,3507,8427,7197,4029,5879,3039,43512,1209,775
CWIP54481541502468488471400477108800
Investments97,34792,81093,07591,84893,32881,99681,47183,475100,409115,719118,453128,440
Other Assets +255,617274,943261,980252,208219,474210,496209,309209,078221,309239,398282,309329,170
Total Assets356,044375,275362,488350,909321,111300,699298,653302,540331,498364,659412,962467,386

Financials of IDBI Bank Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-1,991-5678,000-12,514-34,21520810,2145,068-2,701-1,25225,79616,762
Cash from Investing Activity +-272-715-464720116-296-59-192-283-217-3381,422
Cash from Financing Activity +-612,9271,88912,84321,6229,279-5,342-4,383-3,569-1,768-6,990-5,765
Net Cash Flow-2,3231,6459,4241,049-12,4779,1914,813492-6,554-3,23718,46712,419
Free Cash Flow-2,262-1,2827,536-11,794-34,099-8710,1554,873-2,996-1,47425,45216,454
CFO/OP-10%-4%83%-533%1,697%29%108%61%-26%-5%118%80%

Financials of IDBI Bank Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %4%-14%-20%-38%-50%-35%4%6%8%12%14%14%

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