Idfc First Bank Ltd. · NSE:IDFCFIRSTB
Idfc First Bank — Q3 FY26 Earnings Presentation
68 slides from Idfc First Bank's earnings presentation, Jan 31, 2026
Slide 1: Exchange filing cover letter
~ IDFC FIRST E..J Bank IDFCFIRSTBANK/SD/273/2025-26 January 31, 2026 National Stock Exchange of India Limited BSE Limited Exchange Plaza, Plot No. C - 1, G - Block Phiroze Jeejeebhoy Towers Bandra-Kurla Complex, Bandra (East) Dalal Street, Fort Mumbai 400 051 Mumbai 400 001 NSE - Symbol: IDFCFIRSTB
Slide 2: Investor Presentation – Q3 FY26
~ IDFC FIRST l£...J Bank Investor Presentation – Q3 FY26 January 31, 2026 .•.:--~~))1~ ... ,., I ~.,._ :-,.;::
Slide 3: Table of Contents
1 • Background 3 ............... •• -.............."""""""""""""""""""""""""""""""""""""""""""""""" , 2 Building a Universal Bank 6 -.............."""""""""""""""""""""""""""""""""""""""""""""""" ..............., 3 Bank at Glance 9 • '-""""""""""""""""""""""""""""""""""""""""""""""""- 4 Deposits and
Slide 4: Our Vision
Our Vision BUILDING A WORLD CLASS BANK GUIDED BY POWERED BY BE A FORCE FOR ETHICS TECHNOLOGY SOCIAL GOOD 2 ~ IDFCFIRST L!:..J Bank
Slide 5: Background: IDFC FIRST Bank created by merger of IDFC Bank and Capital First
Section 1: Background Background: IDFC FIRST Bank created by merger of IDFC Bank and Capital First ---------------- Dec-25 CAPITAL I DF C IDFC BANK c= FIRST ~ IDFC FIRST 1£.J Bank • IDFC Limited was created in • Capital First was an NBFC IDFC FIRST Bank was created 1997 for financing infrastructure.
Slide 6: Pre-merger financials of the two merging entities
Section 1: Background Pre-merger Financials of the two merging entities (30th September 2018) -------------------- Dec-25 Parameters CAPITAL FIRST IDFC Bank Proforma (Rs. Crore) Loan Book 26,994 75,332 1,02,326 [:==========:) [ ) Customer Deposit 0 36,369 36,369 BALANCE SHEET (NBFC) [:==========:) [
Slide 7: Bank has made significant progress on key parameters since merger
Section 1: Background Bank has made significant progress on key parameters since merger ------------------------ Loan Book Customer Deposits CASA Deposits Branches (#) Dec-25 51.6% 2,79,428 2,82,662 1,066 1,50,350 1,04,660 8.7% 38,455 206 5,274 Dec-18 Dec-25 Dec-18 Dec-25 Dec-18 Dec-25 Dec-18 Dec-25
Slide 8: The Bank has built a full Suite of Universal Banking Products
Section 2: Building a Universal Bank The Bank has built a full Suite of Universal Banking Products Corporate Lending Working Capital demand Loans, Cash Credit, Term Retail Lending Solutions Home Loans, vehicle Loans, Consumer Loans, Education Loans, Personal -Dec-25 Loans, Corporate Bonds / NCDs, Fo
Slide 9: Bank has set-up 1,066 branches across India
Section 2: Building a Universal Bank Bank has set-up 1,066 branches across India ------------------------------ Dec-25 • IDFC FIRST Bank Branches and ATMs are digitally equipped with customer friendly staff. • Bank grew its branch network 5X from 206 branches at merger to 1,066 branches as on Decemb
Slide 10: #1 Mobile Banking App in India
Section 2: Building a Universal Bank # 1 Mobile Banking App in India, rated 4.9 on Android and 4.8 on IOS Dec-25 Only Indian bank to feature in Global Top-5 Mobile Banking Apps The Forrester Digital Experience Review: Digital Personal Loans Indian Mobile Banking Apps, 2025 → Net Worth Loans Agains
Slide 11: Bank at Glance – As on December 31, 2025
Section 3: Bank at Glance ---------------------------------- Bank at Glance – As on December 31, 2025 Loans & Advances GNPA ratio NNPA ratio SMA 1+2 nn~ Dec-25 (Retail, Rural & MSME) JJllJillLi Rs. 2,79,428 Cr 1.69% 0.53% 0.88% (21% YoY | 5% QoQ) (-25 bps YoY | -17 bps QoQ) (1 bps YoY | 1 bps QoQ) (
Slide 12: Total Customer Deposits strong at 24% YoY
Section 4: Deposits & Borrowings Total Customer Deposits strong at 24% YoY ------------------------ Total Customer Deposits = Retail Customer Deposits + Wholesale Customer Deposits (Excludes Certificate of Deposits) Dec-25 In Rs. Crore Total Customer Deposits 2,82,662 ( ~----------------------------
Slide 13: CASA Deposits growth strong at 33% YoY
Section 4: Deposits & Borrowings CASA Deposits growth strong at 33% YoY ------------------------ Dec-25 CASA Ratio 51.6% CASA Deposits 1,50,350 ( ~-------------------------------, \ I Dec-25 vs Dec-24 Rs. 37,272 Cr 33.0% I I '--------' '-------~ ----- I I I 1,18,237 I Dec-25 vs Sep-25 Rs. 11,768 Cr
Slide 14: Bank has diversified its liabilities base with 79% Customer Deposits in Retail
Section 4: Deposits & Borrowings Bank has diversified its liabilities base with 79% Customer Deposits in Retail • - It is a strategic priority of the Bank to grow retail deposits. Retail Deposit customers are used to transactions, id, passwords, RMs, branch services, Dec-25 Auto Debits, Standing Ins
Slide 15: Transformation of liabilities towards retail deposits
Section 4: Deposits & Borrowings Transformation of liabilities towards retail deposits ------------------------ Composition of Total Deposits & Borrowings* Dec-25 Rs. 1,19,567 crore Rs. 3,14,979 crore 7% 3% 0.2% • Retail Deposits as % of Total 19% Fresh Borrowings (post- Deposits & Borrowings 48% me
Slide 16: Cost of Funds now levelled up with Mid-Tier Banks
Section 4: Deposits & Borrowings Cost of Funds now levelled up with Mid-Tier Banks Dec-25 The Bank has reduced cost of funds by 169 bps and reached mid-tier peer bank levels Mid-Tier Banks IDFC FIRST Bank 7.80% Cost of Funds for IDFC FIRST Bank was higher by 150 bps compared to Mid-Tier Banks CoF ha
Slide 17: Bank reduced Cost of Funds by 169 bps
Section 4: Deposits & Borrowings Bank reduced Cost of Funds by 169 bps from 7.8% (at merger) to 6.11% (Q3 FY 26) ------------------------ • • COF reduced due to increase in CASA ratio from 8.7% at merger to 51.6%. On QoQ basis, the cost of funds reduced by 12 bps to 6.11% (calculated on daily averag
Slide 18: Credit Deposit Ratio reduced from 137% at merger to 93.9%
Section 4: Deposits & Borrowings Credit Deposit Ratio reduced from 137% at merger to 93.9% ------------------------ CD Ratio CD Ratio Including Credit Substitutes Dec-25 169.0% 156.6% 159.0% 132.1% 137.0% 134.8% 122.2% 124.9% 111.0% 117.0% 114.5% 100.2% 107.0% 96.0% 96.0% 98.4% 93.9% 93.9% Dec-18 Ma
Slide 19: Deposits & Borrowings Details
Section 4: Deposits & Borrowings Deposits & Borrowings Details Dec-25 Dec-18 Particulars (In Rs. Crore) Dec-24 Sep-25 Dec-25 YoY Growth (Merger) Legacy Long Term & Infrastructure Bonds 26,819 6,068 578 346 -94.3% Refinance & Other Borrowings 30,834 26,326 18,707 18,999 -27.8% Tier II Bonds - 4,500 4
Slide 20: Loans and Advances grew @ 21%
Section 5: Diversified Loan Portfolio Loans and Advances grew @ 21% ------------------------ Loans & Advances In Rs. Crore Dec-25 ~-------------------------------, ( Dec-25 vs Dec-24 Rs. 48,354 Cr 20.9% 'I 2,79,428 I I Dec-25 vs Sep-25 Rs. 12,849 Cr 4.8% I 2,41,926 \ ....._________ , _ _ _ _ _ _ _ _
Slide 21: Diversified Loan Book
Section 5: Diversified Loan Portfolio Diversified Loan Book The Bank has transformed the loan book from a primarily wholesale credit book to a well diversified portfolio of retail, Rural, MSME and Corporate Banking - Dec-25 Pre-Merger Current September 30, 2018 December 31, 2025 Rs. 75,332 crore Rs.
Slide 22: Loan book diversified across more than 25 business lines
Section 5: Diversified Loan Portfolio The Bank has diversified its loan book across more than 25 business lines ------------------------ Dec-25 Other Corporates incl SE/SR 1% Financial Institutions 10% Infrastructure Financing 1% Home Loan 10% [_ _ _ _ _] Loan Book: December 31, 2025 Rs. 2,79,428 cr
Slide 23: Specialization in Retail, Rural and MSME; grown consistently for 15 years
Section 5: Diversified Loan Portfolio Bank has developed specialization in Retail, Rural and MSME; grown consistently for 15 years ------------------------ Dec-25 Retail, Rural & MSME finance Book (Rs. Crore) 2,23,115 1,97,568 The Bank has developed specialization in Cash Flow Evaluation & Digital C
Slide 24: Wholesale Loan Book growth trend since inception
Section 5: Diversified Loan Portfolio Wholesale Loan Book growth trend since inception; YoY growth of 34% ------------------------ Wholesale Loan Book (Rs crore) Dec-25 Initial Position: The bank initially had Reduction Phase: Upon merger, Bank Stability Phase: Wholesale book Growth Phase: Bank star
Slide 25: Corporate loan and Rating Profile
Section 5: Diversified Loan Portfolio Corporate loan (Funded + Non-Funded) and Rating Profile - Dec-25 Total Outstanding (Rs. Crore) # Rating wise distribution ^ 81,355 BB& Below BBB 4% 63,698 19% 53,407 52,340 50,605 43,587 45,841 41,907 41,972 A and Above Dec-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23
Slide 26: Bank reduced concentration risk in Wholesale lending
Section 5: Diversified Loan Portfolio Bank reduced concentration risk in Wholesale lending Dec-25 Also, the exposure to top 20 single borrowers reduced from 16% in Further, the exposure to top 5 industries also reduced from 41% Mar-19 Mar-19 to 5% in Dec-25 to 20% in Dec-25 which has further strengt
Slide 27: YoY Loan Growth driven by Mortgage, Vehicle, Consumer, MSME & Wholesale Loans
Section 5: Diversified Loan Portfolio YoY Loan Growth driven by Mortgage, Vehicle, Consumer, MSME & Wholesale Loans Dec-25 Gross Loans & Advances (In Rs. Crore) Dec-24 Sep-25 Dec-25 QoQ (%) YoY (%) Retail Finance 1,34,949 1,56,253 1,64,122 5.0% 21.6% - Mortgage Loans 52,076 59,068 60,161 1.9% 15.5%
Slide 28: Cash-flow based lending – fundamental basis of Bank's lending
1. Cash-flow based lending – fundamental basis of Bank’s lending Section 6: Strong Risk Management Framework The fundamental underwriting principle of the Bank explained ------------------------ A. The Bank specializes in cash flow assessment through bank statement, GST, bureau EMI etc. Dec-25 B. In
Slide 29: First EMI returns for insufficient funds stable
2. EMI / Cheque Bounce (early bucket) return Trend Section 6: Strong Risk Management Framework First EMI returns for insufficient funds stable First EMI returns for insufficient funds has reduced by 47% indicating quality of underwriting has improved consistently - Dec-25 -- -- -- -- 14.0% -- -- --
Slide 30: Collection efficiency stable at 99.5%
3. Collection Efficiency Trend Section 6: Strong Risk Management Framework The Bank collection efficiency stable at 99.5% (Excluding micro-finance) ------------------------ Collection Efficiency % = (Pos of EMI Collected for the Month)/(Pos of EMI Due for the month) % Dec-25 Collections % do not inc
Slide 31: Collection Efficiency in MFI business reaching close to pre-crisis levels
3. Collection Efficiency Trend Section 6: Strong Risk Management Framework -------------------- Collection Efficiency in MFI business reaching close to Pre-crisis levels Collection Efficiency % = (Pos of EMI Collected for the Month)/(Pos of EMI Due for the month) % Dec-25 Collections % do not includ
Slide 32: SMA-1 & SMA-2 improved by 15 bps YoY
4. SMA 1+2 Trend Section 6: Strong Risk Management Framework SMA-1 & SMA-2 for Retail Rural and MSME book improved by 15 bps YoY Dec-25 • SMA-1 & 2 for microfinance business reduced by 27 bps from 1.76% in Sep-25 to 1.49% in Dec-25 • SMA-1 & 2 for overall Retail, Rural & MSME portfolio (excluding mi
Slide 33: SMA position for all products stable
5. Product wise SMA 1+2 Trend Section 6: Strong Risk Management Framework SMA position for all products stable, improvement in SMA of MFI Business ------------------------ Product-wise SMA-1 & SMA-2 portfolio Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 ■ Dec-25 5.10% SMA-1 & 2 for overall Retail, Rural & MSM
Slide 34: Microfinance SMA pool declined by 32% in Q3 FY26
6. Microfinance - SMA Pool Section 6: Strong Risk Management Framework ------------------------ SMA pool has declined by 32% in Q3 FY26 which indicates improving portfolio health of microfinance business In Rs. Crore Dec-25 ■ SMA-0 SMA-1&2 777 SMA Pool of MFI has declined by 78% since March 25, indi
Slide 35: Gross NPA
7. Asset Quality Summary Section 6: Strong Risk Management Framework Gross NPA ------------------------ Product-wise Gross NPA portfolio Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 ■ Dec-25 9.73% Gross NPA (excluding MFI) improved to 1.61% as on Dec-25 as compared to 1.69% as on Sep-25 ↓ 276 bps 7.76% 7.71%
Slide 36: Net NPA
7. Asset Quality Summary Section 6: Strong Risk Management Framework Net NPA ------------------------ Product-wise Net NPA portfolio Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 ■ Dec-25 2.13% Net NPA (excluding MFI) was at 0.51% as on Dec-25 as compared to 0.50% as on Sep-25 1.86% ↓ 35 bps 1.49% 1.14% 1.11%
Slide 37: Overall Bank level asset quality trend (2016-2025)
7. Asset Quality Summary Section 6: Strong Risk Management Framework -------------------------- Overall Bank level asset quality trend (2016-2025) Dec-25 ~ IDFCFIRST +-- I D______,..,.._. C ----. l!:....I Bank I DFC 6ANK Stable Asset Quality Assets sold to ARC of Rs.2,405 Cr in Jul-Aug’18 6.16% Asse
Slide 38: Retail asset quality trend
7. Asset Quality Summary Section 6: Strong Risk Management Framework Retail asset quality trend ------------------------ Credit Costs ~2% of loan book through cycle. Retail, Rural & MSME finance Book has been tested through 6 Stress tests during the last 15 years but the Asset Quality remained stron
Slide 39: Wholesale Business Asset Quality is stable
7. Asset Quality Summary Section 6: Strong Risk Management Framework Wholesale Business Asset Quality is stable ------------------------ Dec-25 Wholesale Banking 7.16% 6.31% Gross NPA% Net NPA% 4.49% 4.60% 3.63% 2.80% 2.73% 2.65% 2.26% 2.43% 2.31% 1.76% 1.46% 1.44% 0.05% 0.04% 0.03% 0.08% Dec'19 (Pr
Slide 40: NPA Movement
8. NPA Movement Section 6: Strong Risk Management Framework ------------------------ NPA Movement Description (Rs. Crore) Q2 FY26 Q3 FY26 Dec-25 Opening NPAs 4,867 4,841 ADD: Gross additions 2,260 2,092 LESS: Recoveries and Upgrades (522) (518) Net Addition to NPA 1,739 1,574 LESS: Write-offs (1,765
Slide 41: Balance Sheet
Section 7: Profitability & Capital Balance Sheet ------------------------ Dec-25 In Rs. Crore Dec-24 Sep-25 Dec-25 YoY Shareholders' Funds 37,801 46,490 47,048 24.5% Deposits 2,36,878 2,76,771 2,91,133 22.9% - CASA Deposits 1,13,078 1,38,583 1,50,350 33.0% - Term Deposits 1,23,799 1,38,189 1,40,783
Slide 42: Quarterly Income Statement
Section 7: Profitability & Capital Quarterly Income Statement Dec-25 Growth (%) Growth (%) In Rs. Crore Q3 FY25 Q2 FY26 Q3 FY26 YoY QoQ Interest Income 9,343 9,937 10,417 11.5% 4.8% Interest Expense 4,441 4,824 4,925 10.9% 2.1% Net Interest Income 4,902 5,113 5,492 12.0% 7.4% Fee & Other Income 1,75
Slide 43: Nine-Month Income Statement
Section 7: Profitability & Capital Nine-Month Income Statement Dec-25 Growth (%) In Rs. Crore 9M FY25 9M FY26 YoY Interest Income 27,089 29,996 10.7% Interest Expense 12,704 14,458 13.8% Net Interest Income 14,385 15,538 8.0% Fee & Other Income 4,974 5,596 12.5% Trading Gain 152 647 325.2% Operating
Slide 44: Breakup of Fee & Other Income – 9M FY26
Section 7: Profitability & Capital Breakup of Fee & Other Income – 9M FY26 ------------------------ • 91% of the fee income & other income is from retail banking operations. Dec-25 • Fee to Average total assets stood at 2.04% for 9M FY26. Loan Origination Fees General banking Fees & Others 34% 21% C
Slide 45: Composition of Operating Expenditure (9M FY26)
Section 7: Profitability & Capital Composition of Operating Expenditure (9M FY26) ------------------------ Volume linked expenses include collection cost, Risk Containment Unit cost, credit administration cost, DICGC premium, credit card reward cost, UPI & RTGS charges etc. Channel Sourcing expenses
Slide 46: OPEX growth of 12.4% YoY against Business growth of 22.6% YoY
Section 7: Profitability & Capital OPEX growth of 12.4% YoY against Business growth of 22.6% YoY In FY25, total Business (loans + customer deposits) grew by 22.7% YoY, but Opex increased only by 16.5% YoY - Dec-25 In 9M FY26, total Business grew by 22.6% YoY, but Opex increased by 12.4% YoY This cle
Slide 47: Targeting to bring down the Cost to Income Ratio over next 2 years
Section 7: Profitability & Capital Targeting to bring down the Cost to Income Ratio over next 2 years --------------- • • Bank intends to grow branches only about 10% annually against estimated deposit growth of ~25%. Credit Cards C:I has come down from 240% to 98% in ~4 years Dec-25 • Including tra
Slide 48: Strong growth in core profitability; trajectory impacted by MFI crisis
Section 7: Profitability & Capital Strong growth in core profitability; trajectory temporarily impacted by MFI crisis Dec-25 • The Asset Businesses (Retail, Rural, MSME & Wholesale Banking) have strong profitability. However, as a new bank since we are investing in building the deposit franchise. He
Slide 49: Assets: Profitability
Section 7: Profitability & Capital Assets (Retail Loans, Credit Cards & Wholesale Banking) : Profitability ------------------------ As mentioned earlier, the Asset Businesses (Retail, Rural, MSME, Credit Cards & Wholesale Banking) have strong profitability. The reduction in FY25 and 9MFY26 is primar
Slide 50: Retail Liabilities Business: Moving towards break even
Section 7: Profitability & Capital Retail Liabilities Business : Moving towards break even with scale and productivity ------------------------ Being a new Bank, we invested in building necessary branch infrastructure, people, digital platforms and other capabilities. With increasing scale, Dec-25 O
Slide 51: Capital Adequacy Ratio
Section 7: Profitability & Capital Capital Adequacy Ratio ------------------------ In Rs. Crore Dec-24 Sep-25 Dec-25 Dec-25 Common Equity * 36,308 37,216 45,293 Tier 2 Capital Funds 6,456 6,255 6,345 Total Capital Funds 42,764 43,472 51,638 Total Risk Weighted Assets 2,65,452 3,03,084 3,18,354 CET-1
Slide 52: Shareholding Pattern
Section 7: Profitability & Capital Shareholding Pattern ------------------- Dec-25 Scrip Name: IDFC FIRST Bank (BSE: 539437, NSE:IDFCFIRSTB) Shareholding (December 31, 2025) Other Body Others (0.05%) Trusts and Corporate Clearing (1.68%) Members (0.02%) President of Total No. of shares 859.57 Cr Ind
Slide 53: Price Movement Since Merger vs NIFTY Private Bank Index
Section 7: Profitability & Capital Price Movement Since Merger: IDFC FIRST Bank vs NIFTY Private Bank Index (%) ------------------------ 200% Dec-25 150% 127.69% 100% 90.94% 50% 0% -50% -100% Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Jun-19 Jun-20 Sep-20 Jun-21 Jun-22 Jun-23 Jun-24 Jun
Slide 54: BVPS has grown from Rs. 31.4 to Rs. 54.7 since March 2021
Section 7: Profitability & Capital BVPS has grew from Rs. 31.4 to Rs. 54.7 since March 2021 Dec-25 In Rs. Book Value Per Share (BVPS) reduced Since Mar-21, the BVPS increased by during the first few years after merger 74% with the increasing profitability due to credit losses arising from legacy fro
Slide 55: Bank's Long Term Credit Rating
Section 8: Credit Rating Bank’s Long Term Credit Rating ------------------------ Rating Agency Fixed Deposit Dec-25 CRISIL AAA Long Term Credit Rating o AAA rating by CRISIL for its Fixed , Deposit Program ICRA AA+ (stable) o Bank’s has Long Term Credit India Ratings AA+ (stable) rating AA+ (Stable)
Slide 56: Board of Directors: MD & CEO Profile
Section 9: Board of Directors Board of Directors: MD & CEO Profile ------------------------ Vaidyanathan aspires to create “a world-class Indian Bank, guided by ethics, powered by technology, and to be a force social good”. He became the Dec-25 Managing Director and CEO of IDFC FIRST Bank in Decembe
Slide 57: Board of Directors
Section 9: Board of Directors Board of Directors Dec-25 • Advisor to global organizations across Europe, the US • Was President and Group CTO at ICICI Bank from • Has over 32 years of experience in corporate and Asia. 2005 to 2012. world, with 24 years being in banking & financial • Worked as Region
Slide 58: ESG highlights at IDFC FIRST Bank
Section 10: Progress on ESG ------------------------ ESG highlights at IDFC FIRST Bank Embed ESG as a core driver of responsible growth, risk resilience, and long-term value Global Associations Dec-25 ESG Vision & Strategy creation for IDFC FIRST Bank FIRST FIRST ENSURE ( Enabling Sustainability Res
Slide 59: Accelerating awareness on ESG through brand initiatives
Section 10: Progress on ESG Accelerating awareness on ESG through brand initiatives Dec-25 First-of-its-Kind Upcycled Cricket Trophy in India Green Deposits pledge at the Mumbai and Kolkata Marathons r---------------------------------- : ~~ ~~- I .--~--- I I I I I I I I I II I I I I TMM202 I I I I I
Slide 60: ESG Ratings & Recognitions
Section 10: Progress on ESG ESG Ratings & Recognitions Dec-25 Performance across Key ESG Ratings* ESG Awards & Recognitions won by IDFC FIRST Bank S&P Global ESG Score CDP Score 58 C 0 100 F A IGBC Global Fintech Awards SKOCH ESG Award Green Champion Award Best Green Banking Initiative Green Infrast
Slide 61: Recent Awards and Recognitions
Section 11: Awards and Recognition Recent Awards and Recognitions - Dec-25 IDFC FIRST Bank has won the “Best Digital Bank in India for IDFC FIRST Bank has won the “Global Fintech Awards 2025 - Best Green FY24 by FE India’s Best Bank Award” Banking Initiative” award for its Green Fixed Deposits produ
Slide 62: Awards and Recognition
Section 11: Awards and Recognition Awards and Recognition - Dec-25 FE Best Banks Awards 2025 - Best Digital Bank SKOCH ESG Award (Silver) – Green Infrastructure 2025 Global Fintech Awards 2025 – Best Digital Transformation Program IDFC First Bank Global Fintech Awards 2025 – Best Green Banking Initi
Slide 63: IDFC FIRST Bank
IDFC FIRST Bank We are building a world class bank with: - Highest levels of corporate governance - Stable balance sheet growth of ~20%, - Robust asset quality of GNPA less than 2% and net NPA of < 1% - High teens ROE - Contemporary technology and - High levels of Customer Centricity. 61
Slide 64: Disclaimer
Disclaimer ------------------------ Dec-25 This presentation has been prepared by and is the sole responsibility of IDFC FIRST Bank (together with its subsidiaries, referred to as the “Company”). By accessing this presentation, you are agreeing to be bound by the trailing restrictions. This presenta
Slide 65: Thank You
Thank You ~ IDFC FIRST l!:Jeank
Slide 66: Background: IDFC FIRST Bank was created by merger of IDFC Bank and Capital First
Background: IDFC FIRST Bank was created by merger of IDFC Bank and Capital First Dec-25 ~l~lD ;-~::::; F~C: - - - - - - - - - - F;:::1 CAPITAL - - - - - - - - IDFC Limited was created in 1997 for financing infrastructure. Capital First was an NBFC created in 2012, focussed on MSME and retail loans t
Slide 67: IDFC Bank – Financial Trends
IDFC Bank – Financial Trends Loan Assets (Rs Cr) Networth (Rs Cr) - Dec-25 15,257 Net Interest Margin (%) 75,337 73,055 70,248 13% 14,776 2.0% 2.1% 11% 14,678 1.9% 4% 1.7% 53,903 1% 72% 70% 69% 13,633 90% 26% 20% 15% 9% FY16 FY17 FY18 H1FY19 Mar-16 Mar-17 Mar-18 Sep-18 Mar-16 Mar-17 Mar-18 Sep-18 Ot
Slide 68: Successful Trajectory of Growth at Capital First
Section 4: Background IDFC FIRST Bank Successful Trajectory of Growth at Capital First Strong growth in AUM Cost to income came down to <50% with scaling up of business 5 Year PAT CAGR of 56% - (Rs. Cr) Dec-25 Wholesale AUM Retail AUM Total AUM 32,623 128% 115% 327 26,997 ~ 70 – 80% < 50% ,,,..-----