| Management target | Net Profit FY27 |
|---|
| Revenue growth | NII grew 21.1% YoY; Fee income grew 22.9% YoY. |
|---|---|
| Margins | Clean NIM at 5.9%; guided to 5.8% for full year FY27. |
| Demand visibility | Strong business momentum; customer business grew 20% YoY. |
| Management confidence | High; confident in reaching 1% ROA and improving cost-to-income ratios. |
Growth
Loan book grew 20.6% YoY to INR 3.05 lakh Cr; customer deposits grew 16.6% YoY to nearly INR 3 lakh Cr.
Outlook
Management raised FY27 ROA guidance to ~1% and credit cost guidance improved to 150-160 bps.
Risks
Geopolitical uncertainties and monsoon-related factors prompted a prudent INR 515 Cr contingency provision.
Last quarter's promises, checked
Delivered
- Guided NIM ~5.85% → delivered 5.93% (= BEAT)
- Guided Credit Cost ~210 bps → delivered 213 bps (= BEAT)
- Guided Opex Growth ~12.3% → delivered 12.3% (= BEAT)
Partly delivered
- Guided ROA towards 1% → delivered 75 bps adjusted (= PARTIAL)
Missed
- Guided Deposit Growth ~20% → delivered 16.6% (= MISS)
- Guided Loan Growth ~20% → delivered 20.6% (= BEAT)
Investor Presentation filed with BSE, NSE: IDFCFIRSTB. Summary written with AI assistance from the document.
IDFC First Bank Ltd: key numbers
- Share price
- ₹83.80
- Market cap
- ₹72,259 Cr
- Revenue (annual)
- ₹40,549 Cr
- Net profit (annual)
- ₹1,611 Cr
- P/E (TTM)
- 31.4×Sector 22.0×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 36.10%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from IDFC First Bank Ltd
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