Q4-FY26 · V. Vaidyanathan
We have a book that yields 13% plus and having credit cost less than 2%, which gives a risk adjusted yield of 11% plus is a very unique specialization.
IDFCFIRSTBANK / language trends
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IDFC First Bank · tone and specificity signals across the available quarters.
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Language signals
What changed in management language.
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Q4-FY26 · V. Vaidyanathan
The liability side drag has come down to 1% now... that 1% should become 0.8, 0.6, 0.4, 0.2, that direction should play out properly.
Q4-FY26 · Sudhanshu Shekhar
We feel that the credit cost would be lower than the current year... it could be in the range of 170 to 180 basis points.