IDFC FIRST Bank announced its financial results for the quarter ended September 30, 2025, reporting a net profit of ₹352.3 million. The bank’s total income increased to ₹11.83 billion. Operating profit stood at ₹1.88 billion. Gross NPA ratio was at 1.86%. The bank continues to focus on expanding its retail banking operations and managing asset quality in a competitive environment. This financial performance reflects the bank’s strategic initiatives and operational efficiency.
Financial Performance Overview
IDFC FIRST Bank declared its financial results for the second quarter of fiscal year 2025. Key highlights from the announcement include:
- Net profit: ₹352.3 million
- Total Income: ₹11.83 billion
- Operating Profit: ₹1.88 billion
These results were formally approved by the Board of Directors on October 18, 2025.
Segmental Performance
A breakdown of the bank’s revenue by segment is as follows:
- Treasury: ₹6.99 billion
- Wholesale Banking: ₹2.72 billion
- Retail Banking: ₹13.24 billion
- Other Banking Business: ₹232.8 million
- Unallocated: ₹63.51 million
Asset Quality
Key asset quality metrics reported by the bank include:
- Gross NPA: ₹4.84 billion
- Net NPA: ₹1.35 billion
- Gross NPA ratio: 1.86%
- Net NPA ratio: 0.52%
Capital Adequacy
The bank’s capital adequacy ratio, computed under Basel III guidelines, stands at 14.11%.
Additional Highlights
The earnings per share (EPS) for the period is ₹0.36 (basic) and ₹0.35 (diluted). IDFC FIRST Bank’s strategic focus remains on enhancing its retail banking franchise and maintaining a strong balance sheet through effective risk management.
Source: BSE
