IDFC First Bank Limited — PPTs, 31-01-2026: Investor Presentation

IDFC FIRST Bank delivered strong Q3 FY26 results with Profit After Tax (PAT) surging 48.1% YoY to Rs. 503 Cr. Net Interest Income (NII) grew 12% YoY, complemented by a 15.5% jump in Fee & Other Income. The loan book expanded 21% YoY to Rs. 2.79 lakh Cr, driven by robust growth in retail, rural, and MSME segments, which now constitute 80% of the portfolio. Customer deposits also saw a healthy 24% YoY increase, reaching Rs. 2.82 lakh Cr, with CASA ratio hitting 51.6%.

The bank’s strategy focuses on accelerating retail deposit growth and leveraging its top-rated mobile banking app and digital capabilities. This is expected to enhance operating leverage and reduce the Cost-to-Income ratio. Recent highlights include the conversion of Rs. 7,500 Cr CCPS into equity, strengthening capital. Asset quality improved, with GNPA at 1.69% and NNPA at 0.53%, while Capital Adequacy is robust at 16.22%.

Management aims to build a world-class bank with stable balance sheet growth around 20%, maintaining GNPA below 2% and NNPA below 1%, and targeting high teens Return on Equity.