IDFC First Bank Limited has informed the Exchange about Transcript
IDFCFIRSTB · price
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IDFC First Bank reported Q4 FY26 with normalized PAT of Rs. 746 crores (excluding one-time items: Rs. 480 crore fraud impact, Rs. 118 crore treasury loss, and Rs. 173 crore tax refund). Loan book grew 20% Y-o-Y to Rs. 2.9 lakh crore, while deposits rose 16.8% to Rs. 2.94 lakh crore. Asset quality improved with gross NPA down 8 bps to 1.61% and net NPA at 0.48%. Credit cost declined to 1.63% in Q4, and NIM stood at 5.93% (5.75% for full year). Management expects FY27 NIM to remain stable at ~5.75%, credit cost to improve to 170-180 bps, and top-line growth of 18-18.5%. Cost of funds reduced to 6%, down 50 bps over the year. Capital adequacy remains healthy at 15.60% with CET-1 of 13.73%.
The bank is showing improving operational metrics with declining credit costs and stable margins. While one-time fraud impact affected Q4 profits, normalized earnings are strong. Management sees the liability side drag reducing from 1.2% to 1% and expects continued ROA improvement toward 1% in the near term.