IDFC First Bank Limited — PPTs, 26-07-2025: Investor Presentation

Here is the summary of the attached file:

**1. Financial Highlights:**

Loan book jumped to ₹2,53,233 Cr (15% CAGR since merger), supported by customer deposits at ₹2,56,799 Cr (34% CAGR). Retail deposits lifted CASA to 48.0%. NIM hit 5.7%, core PPOP/Avg. Assets improved to 2.0%. Cost-to-income ratio narrowed to 68.7% (ex-trading gains).

**2. Strategic Initiatives & Growth Drivers:**

Bank pivoted to a full-service Universal model, growing customers to 35.3M & branches to 1,016. Digital prowess fuels efficiency. Private Wealth AUM surged 34% YoY to ₹51,287 Cr; FASTag & Credit Cards show strong traction.

**3. Business Developments:**

Balance sheet retailized, dropping Credit Deposit Ratio to 93.4%. Microfinance book trimmed 37% YoY to ₹8,354 Cr, with collection efficiency improving. Bank announced a ₹7,500 Cr equity capital raise.

**4. Market Position & Competitive Advantage:**

Loan book highly diversified, minimal infra exposure. Asset quality stable despite cycles; concentration risk reduced. Cost of funds lowered. Credit card business hit operational break-even in just four years.

**5. Investor Implications:**

Positive growth potential from diversification & efficiency. NII expected to climb H2 FY26. Bolstered capital from recent raise provides robust base for expansion. Clear trajectory for robust asset quality & high teens ROE.