Net interest income (NII) Q4 in FY 24, Rs. 4,469 crore to Rs. 4,907 crore.
The reviewer paid Rs. The interest of Rs 4,506 crore was spent, which increased 20% on the basis of Yoi in Q4FY24 to Rs. 3,750 crores.
Q4FY25 NIMS
Net interest margins on the bank’s AUM (NIM) by 9 BPS QQ, the Q3-FY 25 has increased from 6.04% to 5.95% in Q4-FY 25, mostly due to a decrease in micro-finance business. For the full year fiscal year 25, NIM was 6.09%.
Deposit
IDFC First Bank customer deposits increased by 25.2% to Rs 1,93,753 crore by March 31, 2024 to Rs 31, 2025. 2,42,543 crore. In this, retail deposits increase from 26.4% yo to Rs. As of March 31, 2024, 1,51,343 crore 31 March 31, 2025 to Rs 1,91,268 crore from Rs.
The Casa ratio was 46.9% compared to March 31, 2024 as compared to 31 March, 2025. Retail deposits by March 31, 2025 are 79% of the total customer deposits.
Loan and progress
Loans and advances by March 31, 2025 by March 31, 2025 increased from 20.4% yo,00,965 crore to Rs.
Microfinance portfolio declined by 28.3% yoy and its overall loan book has dropped from 6.6% in March 2024 to 4% in March 2025.
The bank’s Legacy Infrastructure Book has increased by 17% YO by March 31, 2025, which is less than 1% of the bank’s total funded assets.
Wealth quality
The bank said it was closely looking for a microfinance business in the micro finance business throughout the industry. Asset quality indicators are stable, including the provisions of the book excluded by Gross NPA, Net NPA, SMA and MFI, he said.
By December 31, 2024, the bank’s total NPA 7 BPS QQ increased from 1.94% to 1.87% by March 31, 2025, while the bank’s net NPA increased from 0.52% to 0.52% by 0.52% from 31, 2024 to March 31, 2025.
Except for microfinance portfolio, the total NPAs of retail, rural and MSME books increased from 1.46% to 1.46% by December 31, 2024 to 1.40% by March 31, 2025, and the Net NPA of Retail, Rural and MSME Book at 0.56%, the company filing.
By March 31, 2025, the bank’s PCR was 72.3% healthy.
Slack
Total slippery for Q4FY 25 is Rs. 2,175 crore, which was Rs. Compared to 2,192 crore, it was reduced by Rs 17 crore. The total slip for the Q4-FY25 was Rs 572 crore for the microfinance business, which was Rs. 437 crore.
Without a microfinance business, the total slip for the remaining loan book is fixed at Rs 152 crore on the basis of QQ, which is Rs. 1,755 crore to Rs. 1,603 crore in Q4-FY25.
Management
“Our customer deposits rise well at 25% Yoy and the cassa ratio remains strong at 46.9%, reflecting the power of our deposit franchise.
Our funded wealth book has increased by 20.4%. Importantly, the GNPA and NNPA remains elastic with 1.87% and 0.53% respectively, “said Managing Director and CEO V Vidyanath.
“Further, the ARB Rubrg Pincus LLC’s affiliate entity and a subsidiary of the private equity department of the Abu Dhabi Investment Authority (ADIA) will be able to strengthen the 7,500 CR (required regulatory and shareholders’ approval), which will strengthen our capital, and to strengthen our capital.” Weidinath “Widianath” Widianath “.
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