IDBI Bank Reports Mixed Financial Results with Record Low NPA Ratio in June 2025

IDBI Bank has recently reported its financial results for the quarter ending June 2025, revealing a mixed performance landscape. The bank's score has undergone an adjustment, reflecting changes in its evaluation over the past three months.
On a positive note, IDBI Bank has achieved its lowest Gross Non-Performing Assets (NPA) ratio at 2.93%, indicating a consistent decline over the last five quarters. Additionally, the bank's operating cash flow has reached an annual high of Rs 24,036.98 crore, showcasing a robust generation of cash revenues from its business operations. The Profit After Tax (PAT) for the latest six months stands at Rs 4,058.54 crore, marking a year-on-year growth of 21.23%. Furthermore, the bank's cash and cash equivalents have also hit a peak of Rs 21,294.15 crore, reflecting improved short-term liquidity.

Conversely, certain metrics indicate challenges for IDBI Bank. The Profit Before Tax less Other Income (PBT) has shown a notable decline, while the Net Interest Income has reached its lowest point in five quarters. The Operating Profit and Operating Profit Margin have also decreased, suggesting a decline in operational efficiency.

Overall, IDBI Bank's recent financial results highlight both strengths and areas of concern, leading to a revision in its score.

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