IDFC First Bank

Market Cap: Large Cap
Industry: Bank - Private
ISIN: INE092T01019
NSEID: IDFCFIRSTB
BSEID: 539437

INR

60.19

0.99 (1.67%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 2.04 cr

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Quarterly Results

Results Snapshot

YoYQoQ

Figures in Rs cr

Standalone Quarterly Results

Dec'24

Sep'24

Jun'24

Mar'24

Dec'23

Sep'23

Jun'23

Interest Earned

9,343.02

8,956.93

8,788.60

8,219.21

7,879.40

7,356.17

6,867.72

Income On Investments

1,313.54

1,281.76

1,327.59

1,173.04

1,035.36

967.52

941.77

Interest On Balances With Rbi Other Inter Bank Funds

29.20

33.29

23.86

22.47

20.69

21.46

29.02

Interest / Discount On Advances / Bills

7,915.12

7,581.00

7,367.20

6,999.46

6,747.47

6,324.64

5,844.32

Others

85.16

60.88

69.95

24.24

75.88

42.55

52.61

Other Income

1,779.85

1,727.30

1,619.15

1,642.00

1,516.55

1,429.63

1,413.82

Total Income

11,122.87

10,684.23

10,407.75

9,861.21

9,395.95

8,785.80

8,281.54

Interest Expended

4,440.96

4,169.08

4,093.70

3,750.34

3,592.83

3,405.98

3,122.60

Net Interest Income

4,902.06

4,787.85

4,694.90

4,468.87

4,286.57

3,950.19

3,745.12

Total Expenditure (Excl Depreciation)

4,922.97

4,553.30

4,431.60

4,446.96

4,240.65

3,869.57

3,658.60

Employee Cost

1,420.33

1,424.07

1,337.35

1,328.01

1,221.67

1,190.10

1,152.75

Other Operating Expenses

3,502.64

3,129.23

3,094.25

3,118.95

3,018.98

2,679.47

2,505.85

Operating Profit Before Provisions and Contingencies

1,758.94

1,961.85

1,882.45

1,663.91

1,562.47

1,510.25

1,500.34

Exceptional Items

0.00

Provisions and contingencies

1,337.92

1,731.94

994.40

722.31

654.81

528.36

476.17

Profit Before Tax

421.02

229.91

888.05

941.60

907.66

981.89

1,024.17

Tax

81.59

29.22

207.40

217.25

191.98

230.57

259.01

Profit After Tax

339.43

200.69

680.65

724.35

715.68

751.32

765.16

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

339.43

200.69

680.65

724.35

715.68

751.32

765.16

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

0.46

0.27

0.96

1.02

1.01

1.12

1.15

Diluted Earnings per share

0.46

0.27

0.95

1.01

1.0

1.11

1.14

Operating Profit Margin (Excl OI)

32.99%

29.83%

38.26%

37.11%

37.87%

40.21%

39.79%

Gross Profit Margin

4.51%

2.57%

10.1%

11.46%

11.52%

13.35%

14.91%

PAT Margin

3.63%

2.24%

7.74%

8.81%

9.08%

10.21%

11.14%

Net Interest Margin

6.04%

6.18%

6.22%

6.35%

6.42%

6.32%

6.33%

Return on Assets

0.0%

CASA (%)

47.7%

48.9%

46.6%

47.2%

46.8%

46.4%

46.47%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

15.65%

16.01%

15.59%

16.11%

16.73%

16.54%

16.96%

Capital Adequacy Ratio (Tier 1)

13.22%

13.84%

13.34%

13.36%

13.95%

13.49%

13.7%

Provision Coverage Ratio (%)

73.6%

75.27%

87.5%

88.6%

84.68%

73.34%

83.12%

Amount of Gross NPAs

4,399.32

4,195.19

3,904.20

3,718.36

3,775.39

3,747.80

3,603.38

Amount of Net NPAs

1,161.96

1,037.61

1,195.28

1,160.46

1,250.34

1,192.50

1,149.03

% of Net NPAs

0.52%

0.48%

0.59%

0.6%

0.68%

0.7%

% of Gross NPAs

1.94%

1.92%

1.9%

1.88%

2.04%

2.11%

2.17%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

1216.0

1164.0

1136.0

1111.0

0.0

Number of Branches

971.0

961.0

955.0

944.0

897.0

862.0

824.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2024 is 4.31% vs 1.92% in Sep 2024

Net Profit

QoQ Growth in quarter ended Dec 2024 is 69.13% vs -70.51% in Sep 2024

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2024 is -10.34% vs 4.22% in Sep 2024

% of Net NPAs

QoQ Growth in quarter ended Dec 2024 is 0.04% vs -0.11% in Sep 2024

% of Gross NPAs

QoQ Growth in quarter ended Dec 2024 is 0.02% vs 0.02% in Sep 2024

Compare Quarterly Results Of IDFC First Bank With

Select Peers

Figures in Rs cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

9,343.02

7,829.14

1,513.88

19.34%

Income On Investments

1,313.54

1,416.82

-103.28

-7.29%

Interest On Balances With Rbi Other Inter Bank Funds

29.20

120.48

-91.28

-75.76%

Interest / Discount On Advances / Bills

7,915.12

5,904.92

2,010.20

34.04%

Others

85.16

386.92

-301.76

-77.99%

Other Income

1,779.85

1,512.01

267.84

17.71%

Total Income

11,122.87

9,341.15

1,781.72

19.07%

Interest Expended

4,440.96

5,605.62

-1,164.66

-20.78%

Net Interest Income

4,902.06

2,223.52

2,678.54

120.46%

Total Expenditure (Excl Depreciation)

4,922.97

2,656.51

2,266.46

85.32%

Employee Cost

1,420.33

1,003.87

416.46

41.49%

Other Operating Expenses

3,502.64

1,652.64

1,850.00

111.94%

Operating Profit Before Provisions and Contingencies

1,758.94

1,079.02

679.92

63.01%

Exceptional Items

0.00

Provisions and contingencies

1,337.92

258.68

1,079.24

417.21%

Profit Before Tax

421.02

820.34

-399.32

-48.68%

Tax

81.59

208.07

-126.48

-60.79%

Profit After Tax

339.43

612.27

-272.84

-44.56%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

339.43

612.27

-272.84

-44.56%

Face Value

10.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

0.46

0.20

0.26

130.0%

Diluted Earnings per share

0.46

0.19

0.27

142.11%

Operating Profit Margin (Excl OI)

32.99%

62.76%

0.00

-29.77%

Gross Profit Margin

4.51%

10.48%

0.00

-5.97%

PAT Margin

3.63%

7.82%

0.00

-4.19%

Net Interest Margin

6.04%

2.40%

3.64

3.64%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

47.70%

33.10%

14.60

14.60%

CASA Amount

0.00

91,650.00

-91,650.00

-100.0%

Capital Adequacy Ratio (Total)

15.65%

15.20%

0.45

0.45%

Capital Adequacy Ratio (Tier 1)

13.22%

12.59%

0.63

0.63%

Provision Coverage Ratio (%)

73.60%

71.20%

2.40

2.40%

Amount of Gross NPAs

4,399.32

3,963.47

435.85

11.0%

Amount of Net NPAs

1,161.96

1,142.62

19.34

1.69%

% of Net NPAs

0.52%

0.50%

0.02

0.02%

% of Gross NPAs

1.94%

1.60%

0.34

0.34%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

0.00

1,326.00

-1,326.00

-100.0%

Number of Branches

971.00

1,247.00

-276.00

-22.13%

Quarterly - Interest Earned

Interest Earned 9343.02 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 4.31% vs 1.92% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 18.58% vs 33.28% in Dec 2023

Quarterly - Net Profit

Net Profit 339.43 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 69.13% vs -70.51% in Sep 2024

YoY Growth in quarter ended Dec 2024 is -52.57% vs 18.37% in Dec 2023

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,758.94 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is -10.34% vs 4.22% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 12.57% vs 23.93% in Dec 2023

Quarterly - % of Net NPAs

% of Net NPAs 0.52%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is 0.04% vs -0.11% in Sep 2024

YoY Growth in quarter ended Dec 2024 is -0.16% vs -0.35% in Dec 2023

Quarterly - % of Gross NPAs

% of Gross NPAs 1.94%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is 0.02% vs 0.02% in Sep 2024

YoY Growth in quarter ended Dec 2024 is -0.10% vs -0.92% in Dec 2023