IDFC First Bank Limited — PPTs, 18-10-2025: Investor Presentation

IDFC FIRST Bank reported a strong Q2 FY26 with Profit After Tax up 75.6% YoY to ₹352 Cr and Net Interest Income growing 6.8% YoY to ₹5,113 Cr. The loan book expanded 20% YoY to ₹2,66,579 Cr, while customer deposits rose 23% YoY to ₹2,69,094 Cr. Retail deposits now form 79% of total deposits, and the CASA ratio reached a healthy 50.1%. Asset quality remains robust with GNPA at 1.86% and NNPA at 0.52%.

The bank's strategy to transform into a diversified universal bank is evident, with Retail, Rural, and MSME loans now making up 80% of the book, significantly up from 14% at merger. Digital initiatives are key growth drivers, reflected in soaring NRI business and 36% YoY growth in credit card spends, which now boasts over 4 million cards. The FASTag segment holds a dominant 39% market share.

Management expects Net Interest Income to increase in H2 FY26. They are focused on improving the Cost-to-Income ratio to around 65% by FY27 through operating leverage, despite the microfinance book temporarily impacting profitability, which is expected to stabilize and grow. Capital Adequacy stands at 14.34%, strengthening to 16.82% post-CCPS conversion.