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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
IDFC First Bank
IDFC First Bank (IDFCFIRSTB) investor relations material
IDFC First Bank Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary24 Oct, 2026
Executive summary
Q2 PAT was INR 1,045 crore and core PAT INR 1,036 crore; standalone net profit was ₹1,074.96 crore and consolidated net profit ₹1,147.82 crore.
Total loan assets reached ₹3,46,913 crore, up 30.1% YoY; total deposits reached ₹3,48,583 crore, up 25.9% YoY.
Financial highlights
NII was ₹6,184 crore, up 21% YoY and 3.5% QoQ; excluding Q1 IT-refund interest, sequential growth was 4.5%. Fee and other income rose 24.5% YoY to ₹2,285 crore.
Operating income excluding trading gains rose 21.9% YoY to ₹8,469 crore; core operating profit rose 38.5% YoY to ₹2,527 crore. Operating expenses were INR 5,942 crore, up 16% YoY.
Provisions were ₹1,137 crore, down 21.7% YoY; treasury gains fell to INR 11 crore from INR 181 crore in Q1.
H1 FY27 PAT was ₹2,120 crore, up 160.1% YoY; H1 operating income excluding trading gains rose 21.7% to ₹16,570 crore.
Outlook and guidance
NIM is expected to remain broadly range-bound in Q3, recover to ~5.8% by Q4 and stay around that level into FY28 under current estimates.
FY27 cost-to-income guidance is 55%; management cited income growth exceeding expense growth by ~500 bps. Loan growth visibility is at least 20%, with deposits intended to grow slightly faster.
Credit-cost guidance remained 1.5–1.6%; asset quality was expected to remain reasonably good over the next couple of quarters, subject to evolving conditions.
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Latest events from IDFC First Bank
- Profit up 132% YoY, record asset quality, and ROA target raised to 1% for FY27.IDFCFIRSTB
Q1 26/27 - Strong loan and deposit growth, stable asset quality, and normalized profit despite fraud loss.IDFCFIRSTBQ4 25/26
- Fraud at a Chandigarh branch caused a INR 590 crore impact; audits and controls are being enhanced.IDFCFIRSTBInvestor update
- Profit up 48% YoY on strong deposit growth, margin expansion, and digital momentum.IDFCFIRSTBQ3 25/26
- Loans and deposits rose over 20% YoY, with asset quality and profitability improving.IDFCFIRSTBQ2 25/26
- Strong growth in deposits, loans, and income, but profitability impacted by high provisions.IDFCFIRSTBQ2 24/25
- Deposits and profits grew, capital strengthened, and merger progress continued.IDFCFIRSTBQ1 24/25
- Strong deposit and loan growth, but profit fell due to microfinance and amalgamation impact.IDFCFIRSTBQ4 24/25
- Strong loan and deposit growth, stable asset quality, and capital; MFI stress impacted profit.IDFCFIRSTBQ3 24/25
Next IDFC First Bank earnings date
Q3 26/2730 Jan, 2027
IDFC First Bank
Next IDFC First Bank earnings date
Q3 26/2730 Jan, 2027
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