Q4 2026 IDFC First Bank Ltd Earnings Call Transcript

Apr 25, 2026 / 12:30 PM GMT

Transcript

Key Points

Positve

IDFC First Bank Ltd (BOM:539437) reported a 20% year-over-year growth in loans and advances, reaching Rs 2.9 lakh crores.
The bank's credit card portfolio crossed 4.5 million, with a strong growth of 21% year-over-year.
Asset quality improved, with the gross NPA ratio decreasing from 1.69% to 1.61% and net NPA ratio improving from 0.53% to 0.48%.
Collection efficiency for microfinance improved significantly, reaching 99.7%, almost touching pre-crisis levels.
The bank's capital adequacy ratio stands at a healthy 15.60%, with a CET1 ratio of 13.73%.

Negative

The bank faced a one-off fraud incident impacting profits, with a post-tax impact of Rs 480 crores.
There was a trading loss of Rs 159 crores due to the widening of yields during the quarter.
Deposit growth was modest at 1% during the quarter, affected by various factors including the fraud incident and tight liquidity.
The bank's cost of funds remains a concern, although it has decreased to 6%, it still impacts profitability.
The bank's return on assets (ROA) is currently at 0.5%, indicating room for improvement in overall profitability.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

IDFB.NS - IDFC First Bank Ltd
Q4 2026 IDFC First Bank Ltd Earnings Call
Apr 25, 2026 / 12:30PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and Gentlemen, Good day and welcome to IDFC First Bank Q4 and FY26 only conference call.

As a reminder, all participant line will be in the listen-only mode and there will be an opportunity for you to ask question after the presentation conclude.

Scheduling the system during the conference call, please signal an operator by pressing then 0 on your touch tone phone.

Please note that this conference is being recorded.

I now hand the conference over to Mr. Saprashi Babi, Head of Industrial Nation and ESG.

Thank you and over to you, sir.

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Unidentified_2 [2]
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