IDFC First Bank Quarterly Results

Charts

Revenue Growth (Quarterly)

Financing Margin

EPS Growth

POSITIVES

Consistent growth in net interest income signals robust lending performance and improved asset quality.
Improved cost-to-income ratio reflects greater operational efficiency compared to previous quarters.
Increased customer base and digital adoption enhance competitiveness in the banking sector.

NEGATIVES

Rising non-performing assets (NPAs) indicate potential risks to asset quality and profitability.
Pressure on net interest margins due to competitive lending rates may impact overall profitability.
Higher provisioning for bad loans could constrain future earnings growth.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25
Revenue	6,868.86	7,356.27	7,879.50	8,220.48	8,788.69	8,957.02	9,342.99	9,412.94	9,642.15	9,936.93
Expenses	6,760.08	7,254.63	7,811.51	8,191.81	8,515.70	8,707.29	9,362.78	9,513.63	9,638.75	9,952.82
Financing Profit	108.78	101.64	67.99	28.67	272.99	249.73	-19.79	-100.69	3.40	-15.89
Other Income	1,363.61	1,409.54	1,516.56	1,642.02	1,574.01	1,727.30	1,779.87	1,895.48	2,226.87	1,891.48
Depreciation	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	996.22	982.82	929.74	948.38	852.60	245.09	422.16	344.32	571.15	423.71
Tax	264.71	235.97	197.65	216.48	209.96	33.15	81.99	48.72	117.68	75.91
Net Profit	731.51	746.85	732.09	731.90	642.64	211.94	340.17	295.60	453.47	347.80
Gross Npa %	0	0	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0	0	0