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₹2,115 Cr Net Profit: IDBI Bank Q1 FY27 PAT grows 5% YoY; Advances up 22%
IDBI Bank reported a 5% YoY increase in net profit to ₹2,115 crore for Q1 FY27, supported by a 10% growth in Net Interest Income (NII) to ₹3,486 crore. Asset quality remains a standout feature with Gross NPA improving to 2.30% and Net NPA at a very low 0.16%. While credit growth was robust at 22% YoY, deposit growth lagged at 10%, causing the Credit-Deposit (CD) ratio to climb to 79.50%. The bank remains exceptionally well-capitalized with a CRAR of 26.92%.
Confidence: HIGH
What changedThe bank has demonstrated sustained credit growth momentum (22% YoY) post-PCA exit while maintaining a Provision Coverage Ratio of 99.31%.
Why it mattersStrong capital buffers (26.92% CRAR) and clean asset quality (0.16% Net NPA) position the bank as a highly stable entity, though sequential NIM compression (down 54 bps QoQ) reflects industry-wide pressure on margins.
Net Profit (Q1 FY27): ₹2,115 CrNet Advances Growth (YoY): 22%Net NPA: 0.16%Capital Adequacy (CRAR): 26.92%Credit-Deposit Ratio: 79.50%CASA Ratio: 43.64%
📅 Short termThe market is likely to view the strong asset quality and credit growth positively, though the sequential decline in NII and NIM may lead to some caution.
📈 Long termThe bank's focus on the RAM (Retail, Agri, MSME) segment and its massive capital surplus provide a strong foundation for growth, contingent on the successful transition of management control through privatization.
⚠ Risk flags
- Lagging deposit growth (10%) relative to credit growth (22%)
- Sequential NIM compression of 54 bps
- High promoter concentration (94.7%) pending divestment
Key Highlights
Net Profit increased 5% YoY to ₹2,115 crore, accounting for approximately 23% of the TTM PAT.
Net Advances grew 22% YoY to ₹2,58,968 crore, driven by a 70% retail-heavy portfolio mix.
Gross NPA ratio improved by 63 bps YoY to 2.30%, while Net NPA stood at 0.16%.
Capital Adequacy Ratio (CRAR) strengthened to 26.92%, up 153 bps from 25.39% in the previous year.
Credit-Deposit Ratio increased significantly to 79.50%, up 810 bps YoY, indicating tighter liquidity management.
👀 What to Watch
Investors should monitor the bank's ability to mobilize deposits to sustain its 22% credit growth, as the CD ratio is approaching industry highs. The primary structural trigger remains the progress of the GoI and LIC's 60.72% stake divestment.
Rs 2,115 Cr Q1 Net Profit: IDBI Bank Gross NPA drops to 3.61%, PCR at 99.3%
IDBI Bank reported a steady Q1 FY27 with a net profit of Rs 2,115.18 Cr, representing a 5.4% YoY growth from Rs 2,007.36 Cr. Asset quality showed significant improvement as Gross NPA fell to 3.61% from 4.15% in the previous quarter. The bank maintains an exceptionally high Provision Coverage Ratio (PCR) of 99.31% and a robust Capital Adequacy Ratio of 26.91%. While total income grew 1.4% YoY to Rs 8,573.02 Cr, it saw a sequential decline due to lower other income.
Confidence: HIGH
What changedIDBI Bank has reported its first-quarter results for FY27, showing continued improvement in asset quality and stable profitability despite a sequential dip in total income.
Why it mattersThe bank's strong capital position (26.91% CRAR) and clean balance sheet (0.16% Net NPA) make it an attractive candidate for the upcoming management control transfer and divestment by the Government of India.
Net Profit (Q1 FY27): Rs 2,115.18 CrGross NPA: 3.61%Net NPA: 0.16%Capital Adequacy Ratio: 26.91%Net Interest Margin: 5.87%Provision Coverage Ratio: 99.31%
📅 Short termThe stock may react positively to the sharp reduction in Gross NPAs and the maintenance of high provision coverage, indicating a very clean balance sheet.
📈 Long termThe bank's structural shift toward the RAM segment (70% of advances) and its high capital buffers provide a solid foundation for growth post-divestment.
⚠ Risk flags
- Uncertainty regarding the timeline of the GoI/LIC stake sale
- Potential NIM compression in a declining interest rate environment
Key Highlights
Net Profit for Q1 FY27 stood at Rs 2,115.18 Cr, up 5.4% YoY and 8.8% QoQ.
Gross NPA ratio improved to 3.61% compared to 4.15% in March 2026 and 4.47% in June 2025.
Capital Adequacy Ratio remains very strong at 26.91% with a CET 1 ratio of 26.38%.
Net Interest Margin (NIM) for the quarter was reported at 5.87% (annualized).
Provision Coverage Ratio (including technical write-offs) remains high at 99.31%.
👀 What to Watch
Investors should monitor the progress of the GoI and LIC divestment process (60.72% stake) and the bank's ability to maintain its high NIMs as it targets growth in the RAM (Retail, Agriculture, MSME) segment.
IDBI Bank Clarifies on 60.72% Stake Sale Rumors Involving Fairfax Financial
IDBI Bank has responded to an NSE query regarding news reports that the Government of India (GoI) is close to accepting a 'sweetened' offer from Fairfax Financial. The bank clarified that the strategic disinvestment process, involving a 60.72% stake (30.48% from GoI and 30.24% from LIC), is a confidential process managed by the GoI. IDBI Bank stated it has not received any official communication regarding the finalization of the transaction and is not in a position to confirm or deny the report. The disinvestment process has been active since May 2021 and includes a transfer of management control.
Confidence: HIGH
What changedThe bank has officially addressed market rumors regarding a specific bidder (Fairfax) and a potential deal conclusion, though it remains unable to confirm the status due to confidentiality.
Why it mattersA successful 60.72% stake sale would trigger a change in management control and potentially re-rate the bank from a quasi-public entity to a private sector bank, impacting its Rs 93,062 Cr market valuation.
Total Stake for Sale: 60.72%GoI Portion of Sale: 30.48%LIC Portion of Sale: 30.24%Market Cap: Rs 93,062 CrTTM PAT: Rs 9,216 Cr
📅 Short termExpect continued stock price volatility as the market speculates on the timing and valuation of the GoI's exit.
📈 Long termA successful privatization would be a structural shift for the bank, likely leading to operational changes and a potential re-rating of its 1.4 P/B multiple.
⚠ Risk flags
🔬 Flagged for deeper Multibagger analysis — view briefs →
- Execution risk in government disinvestment timelines
- Regulatory approval hurdles from RBI regarding 'fit and proper' criteria for the buyer
- Market speculation driving price ahead of fundamentals
Key Highlights
Strategic disinvestment involves a total stake of 60.72%, comprising 30.48% from GoI and 30.24% from LIC
In-principle approval for the sale and transfer of management control was received on May 5, 2021
SEBI approved re-classification of GoI as a public shareholder on January 5, 2023
SEBI approved re-classification of LIC as a public shareholder on August 23, 2025
Bank confirms it has received no communication from GoI regarding the finalization of any transaction
👀 What to Watch
Investors should monitor official updates from the Department of Investment and Public Asset Management (DIPAM) as the bank is not a direct party to the negotiations.
22% YoY Growth in Net Advances; Total Business Reaches ₹5.84 Lakh Cr in Q1 FY27
IDBI Bank reported a 15% YoY increase in total business to ₹5,84,418 crore for the quarter ended June 30, 2026. Net advances grew significantly by 22% YoY to ₹2,59,025 crore, outpacing the 10% YoY growth in total deposits. However, on a sequential basis (QoQ), total deposits and CASA declined by 6.3% and 8.2% respectively, which may reflect seasonal trends or liquidity tightening. The CASA ratio remains healthy at approximately 43.7%, though slightly down from 44.6% in the previous quarter.
Confidence: HIGH
What changedIDBI Bank released its provisional business figures for Q1 FY27, showing strong annual credit growth but a sequential contraction in its deposit base.
Why it mattersThe 22% YoY growth in advances indicates strong credit demand in the bank's target RAM (Retail, Agriculture, MSME) segments, but the slower 10% deposit growth highlights the ongoing industry-wide challenge of deposit mobilization.
Net Advances (Provisional): ₹2,59,025 CrNet Advances YoY Growth: 22%Total Deposits (Provisional): ₹3,25,393 CrCASA Ratio: 43.7%Net Advances vs Net Worth: 3.83x
📅 Short termThe market may focus on the robust YoY credit growth, though the sequential dip in deposits and CASA could lead to a neutral-to-cautious reaction in the immediate term.
📈 Long termThe bank's focus on the RAM segment (70% of advances) is driving growth, but the primary long-term catalyst remains the pending divestment of the 60.72% stake by GoI and LIC.
⚠ Risk flags
- Sequential decline in CASA deposits (8.2% QoQ)
- Credit growth significantly outstripping deposit growth
- High promoter holding (94.7%) limiting free float
Key Highlights
Net advances grew 22% YoY to ₹2,59,025 crore as of June 30, 2026.
Total business increased 15% YoY to ₹5,84,418 crore compared to ₹5,08,689 crore in June 2025.
CASA deposits rose 7% YoY to ₹1,42,163 crore, though they declined 8.2% sequentially from March 2026.
Total deposits reached ₹3,25,393 crore, representing a 10% YoY growth.
The bank's total business saw a sequential decline of 2.7% from ₹6,00,789 crore in March 2026.
👀 What to Watch
Monitor the upcoming full Q1 FY27 results to assess the impact of the sequential deposit decline on Net Interest Margins (NIMs) and the cost of funds.
IDBI Bank Re-appoints Jayakumar S. Pillai as Deputy Managing Director for 1 Year
IDBI Bank's Board of Directors has approved the re-appointment of Shri Jayakumar S. Pillai as Deputy Managing Director (DMD) for a one-year term starting June 12, 2026. This extension follows the necessary approval from the Reserve Bank of India (RBI). Mr. Pillai, who joined IDBI in June 2023, brings over 33 years of commercial banking experience, including international exposure and leadership roles at Canara Bank. He currently oversees critical functions including corporate business, IT, finance, and risk management, ensuring operational continuity.
Key Highlights
Re-appointment of Jayakumar S. Pillai as DMD for a 1-year period effective June 12, 2026
The appointment has received formal approval from the Reserve Bank of India (RBI)
Mr. Pillai has over 33 years of banking experience and previously served as CGM at Canara Bank
He currently leads major verticals including Corporate Business, Legal, HR, IT, and Finance
He also serves as the Chairman of the Board of IDBI Trusteeship Services Ltd
👀 What to Watch
Investors should view this as a positive step for leadership continuity in the short term. No immediate portfolio changes are required, but monitor for future long-term succession plans given the one-year extension.
IDBI Bank Re-appoints Jayakumar S. Pillai as Deputy Managing Director for 1-Year Term
IDBI Bank has announced the re-appointment of Shri Jayakumar S. Pillai as Deputy Managing Director (DMD) for a period of one year, effective from June 12, 2026. This appointment follows the necessary approval from the Reserve Bank of India (RBI). Mr. Pillai, who joined IDBI in June 2023, brings over 33 years of banking experience and currently oversees critical functions including corporate business, IT, and finance. The move ensures leadership continuity in key operational and strategic departments of the bank.
Key Highlights
Re-appointment of Jayakumar S. Pillai as DMD for a 1-year term starting June 12, 2026
The appointment has received formal regulatory approval from the Reserve Bank of India
Mr. Pillai has over 33 years of experience, including a prior role as Chief General Manager at Canara Bank
He currently leads major verticals including Corporate Business, IT & Digital Banking, and Finance & Accounts
He also serves as the Chairman of the Board of IDBI Trusteeship Services Ltd
👀 What to Watch
Investors should view this as a routine management continuity measure. No immediate portfolio action is required as the leadership structure remains stable.
IDBI Bank Board Approves Raising Up to ₹10,000 Crore via Infrastructure Bonds
IDBI Bank's Board of Directors has approved a proposal to raise up to ₹10,000 crore through the issuance of long-term rupee-denominated bonds. These funds are specifically designated for financing infrastructure projects and affordable housing. The capital will be raised in one or more tranches via private placement in the domestic market through March 31, 2027. This strategic move aims to strengthen the bank's long-term resource base and support credit growth in high-priority sectors.
Key Highlights
Approved issuance of Long Term Rupee denominated Bonds up to ₹10,000 crore
Funds earmarked for Infrastructure and Affordable Housing financing
Issuance to be conducted via private placement in the domestic market
Fundraising window extends until March 31, 2027
The move follows the Board Meeting held on May 16, 2026
👀 What to Watch
Investors should monitor the bank's ability to deploy this capital into high-yield infrastructure projects, which could improve long-term margins. The fundraise is a positive indicator of the bank's growth intentions in the housing and infra segments.
IDBI Bank FY26 Net Profit Surges 27% to ₹9,513 Cr; Total Business Crosses ₹6 Trillion
IDBI Bank reported a strong full-year performance for FY26, with net profit growing 27% YoY to ₹9,513 crore, supported by a 14% growth in total business which crossed the ₹6 trillion milestone. While Q4 FY26 net profit saw a slight 5% YoY dip to ₹1,943 crore, the bank maintained exceptional asset quality with a Net NPA of 0.15% and a Provision Coverage Ratio of 99.39%. Capital adequacy remains robust at 26.65%, providing significant headroom for future credit expansion. However, the CASA ratio witnessed a slight compression, falling to 44.59% from 46.55% a year ago.
Key Highlights
Full-year FY26 Net Profit increased by 27% YoY to ₹9,513 crore, while total business grew 14% to ₹6,00,789 crore.
Asset quality significantly improved with Gross NPA falling 66 bps to 2.32% and Net NPA held steady at a very low 0.15%.
Net Interest Income (NII) for Q4 FY26 grew 17% YoY to ₹3,851 crore with NIM improving to 4.15%.
Capital position is exceptionally strong with CRAR at 26.65% and Tier 1 capital at 25.56%.
Net advances grew by 16% YoY to ₹2,53,626 crore, with a retail-to-corporate mix of 70:30.
👀 What to Watch
Investors should focus on the bank's superior asset quality and high capital buffers which provide a strong foundation for credit growth. The consistent PCR above 99% and low Net NPA make it one of the cleanest balance sheets in the Indian banking sector.
IDBI Bank Appoints Abhijit Chakravorty and Ketan Vikamsey as Independent Directors for 2-Year Terms
IDBI Bank has approved the appointment of two seasoned professionals, Shri Abhijit Chakravorty and Shri Ketan Vikamsey, as Additional Independent Directors for two-year terms. Shri Chakravorty brings over 30 years of experience from SBI, including a stint as MD & CEO of SBI Cards. Shri Vikamsey is a senior partner at a major accounting firm and currently serves on the board of SBI. These appointments, effective in May and June 2026 respectively, are expected to strengthen the bank's corporate governance and credit oversight.
Key Highlights
Shri Abhijit Chakravorty appointed for a 2-year term starting May 19, 2026.
Shri Ketan Vikamsey appointed for a 2-year term starting June 26, 2026.
Chakravorty previously served as MD & CEO of SBI Cards & Payment Systems Ltd and has 3 decades of experience at SBI.
Vikamsey is a Senior Partner at KKC & Associates LLP and currently an Independent Director at State Bank of India.
Both appointments are subject to shareholder approval and comply with SEBI (LODR) Regulations.
👀 What to Watch
The addition of high-caliber independent directors with deep banking and audit expertise is a positive signal for corporate governance. Investors should view this as a strengthening of the board's oversight capabilities.
IDBI Bank FY26 Net Profit Rises 26.6% to ₹9,513 Cr; Asset Quality Improves Significantly
IDBI Bank reported a robust performance for the financial year ended March 31, 2026, with a standalone net profit of ₹9,513.30 crore, a 26.6% increase from ₹7,515.17 crore in FY25. The bank's asset quality showed marked improvement, with Gross NPAs falling to 6.02% and Net NPAs reaching a low of 0.38%. Total income for the year grew to ₹35,743.53 crore, driven by steady interest and other income. The bank maintains a very strong capital position with a Capital Adequacy Ratio (CRAR) of 25.05%.
Key Highlights
Annual Net Profit grew by 26.6% YoY to ₹9,513.30 crore from ₹7,515.17 crore
Gross NPA ratio improved to 6.02% as of March 31, 2026, compared to 6.99% YoY
Net NPA ratio decreased to 0.38% from 0.48% in the previous financial year
Capital Adequacy Ratio (CRAR) remains robust at 25.05% with Tier 1 at 23.51%
Annualized Return on Assets (ROA) for FY26 stood at a healthy 2.96%
👀 What to Watch
The consistent improvement in asset quality and strong profitability metrics make IDBI Bank a stable hold for long-term investors. Monitor the ongoing privatization process as it remains the primary catalyst for significant stock re-rating.
IDBI Bank Clarifies on Divestment News; Confirms 60.72% Stake Sale Process is Ongoing
IDBI Bank has clarified to the exchanges that the strategic disinvestment process is a confidential matter handled by the Government of India and DIPAM. The bank reiterated that the proposed sale involves a 60.72% stake, comprising 30.48% from the Government and 30.24% from LIC. While the bank cannot confirm or deny recent media reports regarding the Finance Minister's comments, it confirmed that the competitive bidding process is governed by GOI guidelines. The bank has already received SEBI approvals for re-classifying promoters as public shareholders upon completion of the sale.
Key Highlights
Total strategic disinvestment involves 60.72% equity stake (30.48% from GOI and 30.24% from LIC).
SEBI approvals for re-classification of GOI and LIC as public shareholders were obtained in 2023 and 2025.
The bank clarified it has no role in negotiations as the process is managed entirely by DIPAM.
No new material communication has been received from the Government regarding the current status.
👀 What to Watch
Maintain a watch on official DIPAM updates regarding the bidding timeline, as the divestment remains the primary catalyst for the stock. The bank's clarification confirms the structural framework for the sale is still in place.
IDBI Bank Clarifies on Reports of Scrapped Stake Sale; No Official Word from Govt
IDBI Bank has responded to an exchange query regarding news reports suggesting the Government of India (GOI) might scrap its 60.72% stake sale due to low bids. The bank stated it has received no official communication from the GOI regarding the cancellation of the disinvestment process. The bank emphasized that the process is confidential and managed entirely by the Department of Investment and Public Asset Management (DIPAM). Consequently, the bank is unable to confirm or deny the market rumors that recently led to a 13% drop in its stock price.
Key Highlights
IDBI Bank clarifies it has received no communication from the GOI regarding scrapping the disinvestment process.
The proposed sale involves a 60.72% stake, comprising 30.48% from the GOI and 30.24% from LIC.
The stock experienced a sharp decline of over 13% following rumors of low price bids and potential cancellation.
The bank maintains that the disinvestment is a confidential process handled by DIPAM and the bank has no role in negotiations.
The bank confirms it has disclosed all price-sensitive information to exchanges as per SEBI regulations.
👀 What to Watch
Investors should remain cautious as the bank's inability to definitively deny the rumor leaves room for continued volatility. Monitor official statements from DIPAM or the Ministry of Finance for the next steps on the bidding process.
IDBI Bank Q3 FY26 Net Profit at ₹1,935 Cr; Gross NPA Improves to 2.57%
IDBI Bank reported a marginal 1% YoY increase in Q3 FY26 net profit to ₹1,935 crore, while 9M FY26 profit surged 39% to ₹7,570 crore, aided by a stake sale in NSDL. Asset quality continues to be a strong point, with Gross NPA declining by 100 bps YoY to 2.57% and Net NPA remaining stable at 0.18%. Loan growth was healthy at 15% YoY, though Net Interest Margin (NIM) compressed to 3.52% from 5.17% in the previous year's quarter, which had been boosted by a one-time tax refund interest. The bank maintains an exceptionally strong capital position with a CRAR of 24.63%.
Key Highlights
Net Profit for Q3 FY26 stood at ₹1,935 crore, while 9M FY26 profit reached ₹7,570 crore including ₹1,699 crore from NSDL stake sale.
Gross NPA ratio improved significantly to 2.57% from 3.57% YoY; Net NPA remains low at 0.18% with a PCR of 99.33%.
Net Advances grew 15% YoY to ₹2,38,786 crore, with a retail-to-corporate mix of 71:29.
Capital Adequacy Ratio (CRAR) strengthened to 24.63%, up from 21.98% in the previous year.
CASA ratio stood at 44.06%, though it saw a decline from 46.35% recorded in December 2024.
👀 What to Watch
Investors should view the continued improvement in asset quality and robust capital adequacy as strong indicators of stability. While NIMs have normalized after previous one-offs, the bank's healthy credit growth and low Net NPA make it a solid performer in the mid-sized banking space.
IDBI Bank Q3 FY26 Net Profit at ₹1,935 Cr; Asset Quality Improves with Gross NPA at 2.57%
IDBI Bank reported a marginal 1% YoY increase in net profit to ₹1,935 crore for Q3 FY26, while 9-month profits surged 39% to ₹7,570 crore, aided by a one-time gain from an NSDL stake sale. Net Interest Income (NII) fell 24% YoY to ₹3,209 crore, primarily due to a high base in the previous year which included a large interest on income tax refund. Asset quality showed significant improvement, with Gross NPA declining 100 bps YoY to 2.57% and Net NPA remaining very low at 0.18%. The bank maintains an exceptionally strong capital position with a CRAR of 24.63% and a high Provision Coverage Ratio of 99.33%.
Key Highlights
Net Profit for Q3 FY26 stood at ₹1,935 crore, up 1% YoY; 9M FY26 profit rose 39% YoY to ₹7,570 crore.
Gross NPA ratio improved to 2.57% from 3.57% YoY, while Net NPA remained stable at 0.18%.
Net Advances grew 15% YoY to ₹2,38,786 crore, driven by a 71% retail and 29% corporate mix.
Capital Adequacy Ratio (CRAR) improved to 24.63% from 21.98% YoY, indicating a very strong capital base.
Net Interest Margin (NIM) compressed to 3.52% from 5.17% YoY, largely due to the base effect of a ₹807 crore tax refund in the previous year.
👀 What to Watch
Investors should view the continued improvement in asset quality and the robust capital adequacy as strong indicators of the bank's fundamental recovery. The healthy 15% credit growth and low net NPAs make the stock attractive, especially as a potential privatization candidate.
IDBI Bank Q3 FY26 Net Profit Rises 32.7% YoY to ₹1,935.45 Cr; Asset Quality Improves Significantly
IDBI Bank reported a strong performance for the quarter ended December 31, 2025, with standalone net profit growing 32.7% YoY to ₹1,935.45 crore. The bank's asset quality showed marked improvement, with Gross NPA dropping to 3.51% from 4.69% a year ago, and Net NPA remaining negligible at 0.18%. Total income increased to ₹8,282.41 crore, supported by healthy interest earnings and a robust Net Interest Margin of 5.17%. The bank maintains a very strong capital position with a CET 1 ratio of 24.63%.
Key Highlights
Standalone Net Profit increased by 32.7% YoY to ₹1,935.45 crore from ₹1,458.29 crore.
Gross NPA improved significantly to 3.51% compared to 4.69% in the same quarter last year.
Net Interest Margin (NIM) expanded to 5.17% from 4.67% on a year-on-year basis.
Capital Adequacy remains robust with a CET 1 ratio of 24.63% and a total CRAR of 25.39%.
Operating Profit grew by 14.9% YoY to reach ₹2,500.99 crore for the quarter.
👀 What to Watch
Investors should note the consistent improvement in asset quality and exceptionally high capital buffers which provide a strong cushion for growth. The bank's high NIM and low Net NPA levels make it a fundamentally strong performer in the banking sector.
IDBI Bank Q3 FY26 Update: Net Advances Grow 15% YoY to ₹2.38 Lakh Crore
IDBI Bank has released its provisional business updates for the quarter ended December 31, 2025, showing a 12% YoY growth in total business to ₹5,46,634 crore. Net advances grew robustly by 15% YoY to reach ₹2,38,806 crore, indicating strong credit momentum. Total deposits increased by 9% YoY to ₹3,07,828 crore, though CASA deposits saw a slight sequential decline from ₹1,39,036 crore in September 2025 to ₹1,35,630 crore in December 2025. Overall, the bank maintains a steady growth trajectory in its core lending and deposit base.
Key Highlights
Total Business grew 12% YoY to ₹5,46,634 crore as of December 31, 2025
Net Advances increased by 15% YoY to ₹2,38,806 crore from ₹2,06,807 crore
Total Deposits rose 9% YoY to ₹3,07,828 crore compared to ₹2,82,439 crore in the previous year
CASA deposits stood at ₹1,35,630 crore, reflecting a 3.6% YoY growth but a 2.4% sequential decline
👀 What to Watch
Investors should view the strong credit growth positively, but monitor the slight dip in CASA and its impact on the cost of funds in the upcoming full earnings report. The stock remains a watch for further updates on the bank's privatization process alongside these operational improvements.
