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West Asia crisis impact on MSME portfolio
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IDFC First Bank Limited — Q4 FY26
IDFC First Bank reported Q4 FY26 PAT of ₹319 crore, impacted by a ₹480 crore fraud provision and ₹118 crore treasury loss.
bullish
high
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IDFC First Bank reported Q4 FY26 PAT of ₹319 crore, impacted by a ₹480 crore fraud provision and ₹118 crore treasury loss. Normalized PAT was ₹746 crore, up 145% YoY. Loans grew 20% YoY to ₹2.9 lakh crore, with NIM at 5.93% (full year 5.75%). Credit cost improved to 1.63% (full year 2.13%), and management guided for 1.70-1.80% in FY27. Deposits were flat QoQ due to rate cuts and the fraud incident, but April has started strong. The bank expects loan growth of ~20% and NIM stability around 5.75%. Key risk: West Asia crisis could disrupt supply chains and impact MSME asset quality.
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Loans and Advances
₹2.9 lakh crore
+20% YoY
Healthy growth across mortgages, vehicle loans, consumer loans, and wholesale loans.
Credit Cards
4.5 million
+21% YoY
Credit card portfolio crossed 4.5 million during the quarter.
Wealth Management AUM
₹57,000 crore
+23% YoY
Wealth management AUM continues to grow at a steady pace.
Gross NPA Ratio
1.61%
-8 bps YoY
Gross NPA improved by 8 basis points from 1.69% to 1.61%.
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Guidance and risk preview
Management expects net interest margin to remain broadly stable at 5.75% for the full year FY27.
Ongoing geopolitical tensions could disrupt supply chains and increase raw material costs, affecting MSME asset quality.
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