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IDFC First Bank Profit Plummets While IDBI Bank Reports Strong Growth in Q4 FY25

IDFC First Bank faces a 58% quarterly profit decline due to high microfinance provisions, while IDBI Bank posts a 26% profit increase and improved asset quality.

IDFC First Bank shares in focus today, here's why
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Overview

  • IDFC First Bank's Q4 FY25 net profit dropped 58% year-on-year to Rs 304 crore, driven by significant microfinance portfolio stress.
  • IDBI Bank reported a 26% increase in Q4 FY25 net profit, reaching Rs 2,051 crore, with a 33% annual profit rise to Rs 7,515 crore.
  • IDFC First Bank’s customer deposits grew 25.2% year-on-year to Rs 2,42,543 crore, with a CASA ratio of 46.9%, bolstering its funding base.
  • IDBI Bank reduced gross NPAs to 2.98% and net NPAs to 0.15%, reflecting improved asset quality as of March 31, 2025.
  • IDFC First Bank approved a Rs 7,500 crore capital raise via CCPS issuance to Warburg Pincus and ADIA affiliates, while IDBI Bank proposed a Rs 2.10 per share dividend.