IDBI Bank Reports Record Low NPA Ratio Amid Mixed Profitability Signals

IDBI Bank has recently undergone an evaluation adjustment, reflecting a shift in its financial metrics and market position. The bank reported a notable performance in the quarter ending March 2025, highlighted by a Gross Non-Performing Asset (NPA) ratio of 2.98%, which is the lowest recorded. Additionally, the Profit After Tax (PAT) reached a peak of Rs 2,051.18 crore, while the Net NPA stood at a minimal 0.15%. These figures indicate a strong operational foundation.
However, the bank also faced challenges, with the Profit Before Depreciation, Interest, and Tax (PBDIT) at Rs 1,138.16 crore, marking a low point for the quarter. The Operating Profit to Net Sales ratio was recorded at 16.31%, which reflects some pressure on profitability.

In terms of valuation, IDBI Bank is positioned attractively with a Price to Earnings (PE) ratio of 11.13 and a Price to Book Value of 1.39. Despite these strengths, the stock has shown a mixed technical outlook, transitioning from a sideways trend to a mildly bearish stance.

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