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Five banking stocks that will react to their Q4 results todayBanking stocks in focus as March quarter results show mixed trends, Axis Bank steady but hit by one offs, IndusInd and RBL rebound, IDFC First weak, DCB strong on margins and asset qualityBy CNBCTV18.com April 27, 2026, 7:34:09 AM IST (Published)3 Min ReadA clutch of banking stocks will be in focus on Monday, April 27, after reporting their March quarter earnings, with performance across lenders remaining mixed.

While asset quality trends have improved for most banks, margins remain under pressure and one-offs continue to distort core profitability.

Axis Bank

Axis Bank reported a largely steady quarter, though earnings quality remained mixed.

Net profit came in at ₹7,071 crore, down 0.65% YoY, supported by a ₹2,193 crore tax write-back. This was partly offset by a one-time standard asset provision of ₹2,001 crore.

Net interest income rose 5% YoY to ₹14,457 crore, while net interest margins stood at 3.62%, slightly lower sequentially and continuing a declining trend over the past four quarters.

Treasury performance weighed on earnings, with a trading loss of ₹606 crore compared to a profit last year. Fee income grew modestly, up 4% YoY to ₹6,561 crore.

Business growth remained strong, with advances rising 19% YoY, led by the corporate book, while deposits grew 14% YoY. CASA ratio stood at 40%.

Asset quality improved, with gross NPAs declining to 1.23% and net NPAs to 0.37%. Slippages moderated sharply, and credit costs improved sequentially.

The board approved a potential fundraise of up to ₹20,000 crore via equity and ₹35,000 crore through debt instruments, along with a final dividend of ₹1 per share.

Management clarified that the one-time provision is precautionary and does not reflect stress, while maintaining NIM guidance of around 3.8% over the next 15–18 months.

Overall, while growth and asset quality remain healthy, core profitability was impacted by treasury losses and one-off provisions.

IndusInd Bank

IndusInd Bank swung back to profitability in the March quarter, aided by lower provisions.

Net profit stood at ₹533 crore compared to a loss of ₹2,329 crore a year ago.

Net interest income rose 43% YoY to ₹4,372 crore, though it declined sequentially. Margins improved, with NIM at 3.39%, up both QoQ and YoY.

RBL Bank

RBL Bank reported a strong earnings recovery, with net profit jumping 233% YoY.

Net interest income grew 6.9% YoY, while asset quality saw meaningful improvement.

However, margins remained under pressure, with NIM at 4.41%. The bank indicated that deposit growth in FY27 could remain in the single-digit to low double-digit range.

IDFC First Bank

IDFC First Bank reported a weak quarter, with profitability impacted by multiple factors.

Operating profit declined 48% QoQ, while net profit fell 37% sequentially due to fraud-related costs, weaker fee income, treasury losses, and higher operating expenses.

Loan growth remained healthy at around 20% YoY, while asset quality was stable with GNPA at 1.61% and NNPA at 0.48%.

Credit costs improved to 1.63%, with guidance of 1.7-1.8% for FY27. Margins are expected to remain stable at around 5.75%.

DCB Bank

DCB Bank delivered a relatively strong quarter, supported by margin expansion and improving asset quality.

Net interest margins rose 12 basis points QoQ to 3.39%, the highest in seven quarters. Lower provisions also supported earnings.

Loan growth remained healthy at 18% YoY, while deposits grew faster at 21% YoY, reflecting improved liability traction.

Asset quality improved significantly, with GNPA at 2.45% and NNPA at 0.89%, both at multi-year lows.

Management remains confident of sustaining 18-20% growth, with a focus on improving margins, asset quality, and return ratios. The bank also indicated that it may consider a capital raise over the next few quarters depending on growth momentum.Continue ReadingTagsAxis bankDCB BankIDFC First BankIndusInd BankRBL Bank