The Corner Office - Aiming for higher RoA backed by all-round improvements

Company

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IDFC First Bank aims for higher Return on Assets (RoA) through all-round improvements.

The bank is committed to granular expansion with a focus on Retail, MSME, and secured portfolios.

Strong deposit franchise and tech capabilities support healthy balance sheet growth.

NIMs are expected to bottom out in 2Q with a guided margin of 5.8% in 4QFY26.

The bank is focused on reducing the Cost to Income (C/I) ratio to around 65% by 4QFY27E.

Asset quality outlook is healthy with credit cost set to recede further.