IDFC First Bank Reports Mixed Financial Results Amid Record Net Interest Income in March 2025
IDFC First Bank has recently reported its financial results for the quarter ending March 2025, revealing a complex picture of performance. The bank's score has undergone an adjustment, reflecting a shift in evaluation over the past three months. On a positive note, IDFC First Bank achieved its highest net interest income to date at Rs 4,907.16 crore, with consistent growth observed over the last five quarters. Additionally, interest earned reached a record Rs 9,412.94 crore, indicating a favorable trend in core business income. The bank also reported a reduction in its gross non-performing assets (NPA), now at 1.87%, suggesting an improvement in the quality of its loan portfolio.
Conversely, the financial results also highlighted areas of concern. The profit before tax less other income (PBT) stood at Rs -1,534.27 crore, reflecting a significant decline compared to previous quarters. Profit after tax (PAT) also decreased to Rs 304.08 crore, marking a downturn in profitability. Furthermore, the credit deposit ratio fell to 92.48%, indicating a decrease in the bank's ability to generate loans relative to its deposits. The operating profit margin and capital adequacy ratio also reached their lowest points in five quarters, raising questions about operational efficiency and capital strength.
Overall, IDFC First Bank's latest financial results present a mixed landscape, with both positive developments and notable challenges.
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