IDFC First Bank Limited — PPTs, 25-04-2026: Investor Presentation

**Business Performance:** IDFC FIRST Bank’s total Loans & Advances grew 20% YoY to Rs. 2.90 lakh Cr in Q4 FY26. Customer deposits increased 17% YoY to Rs. 2.84 lakh Cr, with retail deposits forming 79%. The loan book is now 80% Retail, Agri & MSME (RAM), a significant shift from 14% at merger. CASA ratio remained healthy at 49.8%.

**Growth Drivers or Strategy:** The bank is leveraging its expanded branch network and top-ranked digital platform to enhance deposit mobilization and support inclusive lending. A key strategic focus is reducing the Cost-to-Income ratio from 73.5% to around 55% over the next 4-5 years by driving operational efficiencies and scaling retail businesses.

**Recent Developments:** The bank's mobile app is rated #1 in India and in the global top 5, demonstrating strong digital adoption. Digital transactions like UPI and personal loans saw significant YoY growth.

**Key Financial Metrics:** For Q4 FY26, Normalized Profit After Tax (PAT), excluding one-off items, surged 145% YoY to Rs. 746 Cr. Gross NPA reached a historical low of 1.61%, with Net NPA at 0.48%. Book Value Per Share (BVPS) increased to Rs. 55.05, up 75% since March 2021. Cost of funds decreased to 6.00%.

**Management Commentary / Outlook:** Management expressed confidence in building a world-class bank, emphasizing strong governance, robust asset quality, and customer-centricity. They foresee continued operating leverage improvements and profitability as businesses scale.