Idfc First Bank Ltd. · NSE:IDFCFIRSTB
Idfc First Bank — Q1 FY27 Earnings Presentation
75 slides from Idfc First Bank's earnings presentation, Jul 25, 2026
Slide 1: Investor Presentation – Q1 FY27
Investor Presentation – Q1 FY27 July 25, 2026
Slide 2: Bank at Glance, Q1 FY27 results
Bank at Glance Bank at Glance, Q1 FY27 results Jun-26 PAT crosses Rs. 1,000 crore for the first time Loans & Advances Total Deposits CASA Deposits CASA ratio Rs. 2,97,834 Cr Rs. 3,11,892 Cr Rs. 1,58,492 Cr 50.8% (20% YoY | 5% QoQ) (18% YoY | 6% QoQ) (25% YoY | 8% QoQ) (283 bps YoY | 102 bps QoQ) Net
Slide 3: Table of Contents
Background 1 Background 4 Liabilities TABLE 2 Liabilities 8 OF Assets CONTENTS 3 Asset Quality Assets 19 4 Profitability Capital Asset Quality 30 5 Profitability & Capital 42
Slide 4: Our Vision
Our Vision To Build A World Class Bank in India with Principles of Ethical, Digital & Social Good Banking 3
Slide 5: Background
1. Background
Slide 6: How IDFC FIRST Bank Was Created
Section 1: Background How IDFC FIRST Bank Was Created Jun-26 • IDFC Limited was created in • Capital First was an NBFC IDFC FIRST Bank was created 1997 for financing infrastructure. created in 2012, focussed on through the merger of IDFC MSME and retail loans through Bank and Capital First, on 11th
Slide 7: Progress since merger
Section 1: Background Progress since merger Jun-26 Parameters CAPITAL FIRST IDFC Bank Upon merger Now Change Since (Rs. Crore) (30-Sep-18) (30-Sep-18) (31-Dec-2018) (30-Jun-2026) Merger Loan Book 26,994 55,020 84,807 2,97,834 18% CAGR Customer Deposit 0 (NBFC) 36,369 38,455 2,99,405 31% CAGR BALANCE
Slide 8: Full suite of universal banking products scaled up
Section 1: Background The Bank has built a full Suite of Universal Banking Products and scaled them up Jun-26 31-Dec-18 30-Jun-26 WHOLESALE Corporate De-grew 5% from Rs. 67,733 crore to Rs. 64,252 crore BANKING PRODUCTS Corporate Retail Retail Lending Lending Grew 6.7x from Rs. 26,877 crore to Rs. 1
Slide 9: Liabilities
2. LIABILITIES
Slide 10: A Growing Deposit Market Provides Long Runway for Franchise Growth
Section 2: Liabilities A Growing Deposit Market Provides Long Runway for Franchise Growth Jun-26 Total Deposits (In Rs. Lac Crore) Savings Deposits (In Rs. Lac Crore) 253 228 73 206 63 66 181 60 60 170 53 154 45 126 138 38 41 101 111 115 32 26 Mar-21 Mar-21 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-22
Slide 11: Customer Service is of prime importance, all gates open for service
Section 2: Liabilities Customer Service is of prime importance, all gates open for service Jun-26 Bank Branch Loan Centre Contact Centre Bank has 1,155 branches as on June 30, 2026. WhatsApp App Best-in-class Prime spot for CUSTOMER SERVICE customer service inside the Bank's app Website Email 39 mil
Slide 12: #1 Mobile Banking App in India
Section 2: Liabilities # 1 Mobile Banking App in India, rated 4.9 on Android and 4.8 on IOS Jun-26 Indian bank features in Global Top-5 Mobile Banking Apps Indian bank features in Global Top-5 Mobile Banking Apps 31.4 Mn+ 2.95 Mn+ App Registrations Reviews The Forrester Digital Experience Review: I
Slide 13: Cost of funds reduced since merger, customer deposits grew 7.8x
Section 2: Liabilities Since merger, the CoF reduced by 184 bps, yet the customer deposits grew 7.8x Jun-26 • Total Customer Deposits = Retail Customer Deposits + Wholesale Customer Deposits (Excludes Certificate of Deposits) • Total Customer Deposits were up 16.6% YoY and 5.3% QoQ • Total Deposits
Slide 14: CASA Deposits growth strong at 24.6% YoY
Section 2: Liabilities CASA Deposits growth strong at 24.6% YoY; crosses Rs. 1,50,000 crore Jun-26 CASA Ratio CASA Deposits 50.8% 1,58,492 Jun-26 vs Jun-25 Rs. 31,334 Cr 24.6% 1,46,650 Jun-26 vs Mar-26 Rs. 11,842 Cr 8.1% 1,18,237 94,768 71,983 51,170 CASA Ratio 45,896 8.7% 20,661 5,710 5,274 7,893 M
Slide 15: Diversified liabilities base with 80% Customer Deposits in Retail
Section 2: Liabilities Bank has diversified its liabilities base with 80% Customer Deposits in Retail Jun-26 Retail deposits have increased from 27% of deposits at merger (Dec-18) to 80% currently which has strengthened the deposits side. Customer Deposits (Rs. Crore) Dec 18 Mar-19 Mar-20 Mar-21 Mar
Slide 16: Transformation of liabilities towards retail deposits
Section 2: Liabilities Transformation of liabilities towards retail deposits Jun-26 Composition of Total Deposits & Borrowings* Legacy Borrowings Wholesale 49% Deposits 18% Certificate of Deposits 4% Fresh Borrowings Retail Deposits Retail Deposits 9% 9% 69% Certificate of Deposits 19% Wholesale Dep
Slide 17: Credit Deposit Ratio reduced
Section 2: Liabilities Credit Deposit Ratio reduced Jun-26 CD Ratio CD Ratio Including Credit Substitutes Jun-26 169.0% Gross Advances 159.0% 86% 156.6% Total Deposits & Total Borrowings# 132.1% 137.0% 134.8% 122.2% 124.9% 111.0% 117.0% 114.5% 100.2% 96.0% 98.6% 97.9% 107.0% 98.4% 96.4% 95.5% 93.9%
Slide 18: Deposits & Borrowings Details
Section 2: Liabilities Deposits & Borrowings Details Jun-26 Dec-18 Particulars (In Rs. Crore) Jun-25 Mar-26 Jun-26 YoY Growth (Merger) Legacy Long Term & Infrastructure Bonds 26,819 1,661 - - - Refinance & Other Borrowings 30,834 23,061 31,594 28,973 25.6% Tier II Bonds - 4,500 4,500 4,500 - Total B
Slide 19: Cards in Force for the Bank crosses 4.8M
Section 2: Liabilities Cards in Force for the Bank crosses 4.8M Jun-26 Industry’s Total Cards In Force (In million) 119 121 ~5.3x since Mar-16 109 110 100 73 61 55 45 35 29 23 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 Interest-bearing book Spends Insights ID
Slide 20: Assets
3. ASSETS
Slide 21: Credit growth of the Banking Industry has grown 3X in 10 years
Section 3: Assets Credit growth of the Banking Industry has grown by 3X in 10 year to reach Rs. 215 lac crore Jun-26 Total Non-Food Credit (Rs. Lakh Crore) Agriculture & Allied (Rs. Lakh Crore) 214 215 26 26 182 23 164 21 137 17 119 15 104 109 12 13 86 98 10 11 78 9 10 72 Mar-20 Mar-22 Mar-24 May-26
Slide 22: Bank serves customers across all segments of income pyramid
Section 3: Assets Bank serves customers across all segments of income pyramid in an inclusive way Jun-26 Book Composition of Corporate IDFC FIRST Bank in these segments New LAP Car Home Loan BBG Traditional Banks are primarily focus on Gold Loan 77% Tractor Loan this segment Education Loan Corporate
Slide 23: Specialization in RAM book; grown consistently for 15 years
Section 3: Assets Bank has developed specialization in RAM book; grown consistently for 15 years Jun-26 RAM = Retail, Agri and MSME book Retail, Agri and MSME (RAM) Book (Rs. Crore) 2,41,118 2,32,394 • The Bank has developed specialization in Cash Flow Evaluation & Digital Capabilities for these bus
Slide 24: Wholesale Loan Book growing steadily
Section 3: Assets Wholesale Loan Book growing steadily Jun-26 Wholesale Loan Book (Rs crore) Reduction Phase: Upon merger, Bank reduced the legacy infrastructure Growth Phase: Bank started regrowing the corporate loans with strong underwriting practices. projects and large ticket corporate loans to
Slide 25: Wholesale Business – Corporate Book
Section 3: Assets Wholesale Business – Corporate Book Jun-26 The Bank unwound Rs. 20,761 crore of legacy project finance (infrastructure) book The Bank focuses on financing cash-generating businesses while avoiding project financing risks. Backed by strong governance and disciplined underwriting, it
Slide 26: Bank has reduced concentration risk in corporate banking
Section 3: Assets Bank has reduced concentration risk in corporate banking Jun-26 The exposure to top 20 single borrowers reduced from 16% in Mar-19 Further, the exposure to top 5 industries also reduced from 41% Mar-19 to 5% in Jun-26 to 20% in Jun-26 which has further strengthened the balance shee
Slide 27: Total Loans crossed Rs. 3 Lac crore
Section 3: Assets Total Loans crossed Rs. 3 Lac crore Jun-26 Total Loan Assets In Rs. Crore Jun-26 vs Jun-25 Rs. 52,138 Cr 20.6% Jun-26 vs Mar-26 Rs. 15,092 Cr 5.2% Loan growth started after building strong deposit franchise 3,05,370 2,90,278 2,41,926 Period of Stabilization to address high credit d
Slide 28: Diversified Loan Book
Section 3: Assets Diversified Loan Book Jun-26 The Bank has transformed the loan book from largely wholesale credit book to a well diversified book of Retail, Agri, MSME and Corporate Banking. The portfolio is well diversified across mortgage-backed loans (27%), vehicle finance (11%), rural (6%), MS
Slide 29: Loan book diversified across more than 25 business lines
Section 3: Assets The Bank has diversified its loan book across more than 25 business lines Jun-26 Loan Book: June 30, 2026 Other Corporates Rs. 3,05,370 crore incl SE/SR 1% Infrastructure Financial Institutions 10% Financing 1% Home Loan 9% Loan Against Property 12% Corporate Loans 9% Other Commerc
Slide 30: YoY Loan Growth driven by Mortgage, Vehicle, Consumer, MSME & Wholesale
Section 3: Assets YoY Loan Growth driven by Mortgage, Vehicle, Consumer, MSME & Wholesale Loans Jun-26 Gross Loans & Advances (In Rs. Crore) Dec-18 Jun-25 Mar-26 Jun-26 QoQ (%) YoY (%) Retail Finance 26,877 1,47,502 1,71,459 1,79,192 4.5% 21.5% Mortgage Loans 12,462 57,804 61,471 62,480 1.6% 8.1% Ve
Slide 31: Asset Quality
4. ASSET QUALITY
Slide 32: The fundamental underwriting principle of the Bank explained
Section 4: Asset Quality The fundamental underwriting principle of the Bank explained Jun-26 Cashflow • Cashflow analysis is the core part of our underwriting process. Bank assess customer cashflows, estimate repayment capacity and Analysis determine loan eligibility accordingly. • We leverage India
Slide 33: Collection efficiency stable at 99.5%
Section 4: Asset Quality The Bank collection efficiency stable at 99.5% Jun-26 Collections % do not include any arrear or prepayment collections and hence represents true collections efficiency. Stable 99.4% 99.4% 99.5% 99.5% 99.5% 99.5% 99.5% 99.6% 99.4% 99.4% 99.3% 99.4% 99.4% 99.4% 99.5% 99.6% 99
Slide 34: SMA-1 & SMA-2 for RAM loan book at lowest ever
Section 4: Asset Quality SMA-1 & SMA-2 for RAM loan book @ lowest ever Jun-26 RAM = Retail, Agri and MSME book SMA 1 = 31-60 dpd SMA 1 & 2 represents portfolio under 31-90 dpd bucket, which is pre-NPA stage. Pre -NPA SMA 2 = 61-90 dpd NPA >90 dpd 2.19% 2.23% SMA-1 & SMA-2 portfolio as % of RAM Loan
Slide 35: Product-wise SMA trend analysis
Section 4: Asset Quality Product-wise SMA trend analysis (5 quarters) Jun-26 RAM = Retail, Agri and MSME book Product-wise SMA-1 & SMA-2 portfolio IMPROVED Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 SMA-1 & 2 for overall RAM portfolio reduced from 0.78% in Mar-26 to 0.77% in Jun-26 2.64% STABLE ↓ 8 bps 1.76
Slide 36: Product-wise GNPA trend analysis
Section 4: Asset Quality Product-wise GNPA trend analysis (5 quarters) Jun-26 RAM = Retail, Agri and MSME book Product-wise Gross NPA portfolio IMPROVED Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 9.73% Gross NPA for RAM portfolio improved from 1.47% as on Mar-26 to 1.40% as on Jun-26 7.76% ↓ 111 bps STABLE
Slide 37: Product-wise NNPA trend analysis
Section 4: Asset Quality Product-wise NNPA trend analysis (5 quarters) Jun-26 RAM = Retail, Agri and MSME book Product-wise Net NPA portfolio IMPROVED Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 2.13% Net NPA for RAM book improved from 0.56% as on Mar-26 to 0.52% as on Jun-26 1.49% 1.14% ↓ 33 bps STABLE 0.88
Slide 38: Overall Bank level NPA at its lowest point in its history
Section 4: Asset Quality Overall Bank level NPA at its lowest point in its history Jun-26 Assets sold to ARC of Rs.2,405 COVID Pandemic Stable Asset Quality Cr in Jul-Aug’18 6.16% Assets sold to ARC of Merger of IDFC Rs. 4,049 Cr Bank & Capital in Mar’17 First in Dec’18 4.15% GNPA% NNPA% 3.70% Forma
Slide 39: RAM asset quality stable over 15 years through cycles
Section 4: Asset Quality RAM asset quality has been stable over 15 years through cycles Jun-26 RAM = Retail, Agri and MSME book • Corridor of technology-led and cash-flow based underwriting approach, the Bank has maintained strong asset quality for over 15 years, with Gross NPA and Net NPA of approx
Slide 40: Wholesale Business Gross NPA at lowest level since inception
Section 4: Asset Quality Wholesale Business Gross NPA at lowest level since inception Jun-26 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% 2.23% 2.01% 1.76% 1.46% 1.44% 0.05% 0.04% 0.03% 0.08% 0.10% 0.09% Dec-19 (Pre Covid) Mar-21 Mar-22 Mar-
Slide 41: NPA Movement
Section 4: Asset Quality NPA Movement Jun-26 Description (Rs. Crore) Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Opening NPAs 4,434 4,867 4,841 4,614 4,559 ADD: Gross additions 2,486 2,260 2,092 1,777 1,736 LESS: Recoveries and Upgrades (486) (522) (518) (621) (623) Net Addition to NPA 2,000 1,739 1,574
Slide 42: Average Credit Cost maintained ~2%
Section 4: Asset Quality Average Credit Cost maintained ~2% including period of COVID and MFI Mar-26 ~2.0% on Avg Funded Assets through 6 years [~1.4% on Total Assets] On Average Total Assets, COVID affected period MFI affected period Credit Cost is 1.13% in Q1 FY27 2.64% 2.69% 2.42% 2.46% 2.13% 2.2
Slide 43: Profitability & Capital
5. PROFITABILITY & CAPITAL
Slide 44: Balance Sheet
Section 5: Profitability & Capital Balance Sheet Jun-26 In Rs. Crore Jun-25 Mar-26 Jun-26 YoY Shareholders' Funds 38,719 47,352 48,651 25.7% Deposits 2,64,971 2,94,475 3,11,892 17.7% - CASA Deposits 1,27,158 1,46,650 1,58,492 24.6% - Term Deposits 1,37,813 1,47,824 1,53,399 11.3% Borrowings 42,806 3
Slide 45: Quarterly Income Statement
Section 5: Profitability & Capital Quarterly Income Statement Jun-26 Growth (%) Growth (%) In Rs. Crore Q1 FY26 Q4 FY26 Q1 FY27 QoQ YoY Interest Income 9,642 10,553 11,051 4.7% 14.6% Interest Expense 4,709 4,876 5,079 4.2% 7.8% Net Interest Income 4,933 5,677 5,972 5.2% 21.1% Fee & Other Income 1,73
Slide 46: NIM strong at 5.96%
Section 5: Profitability & Capital NIM strong at 5.96% Jun-26 Risk Adjusted NII (Q1-FY27): 4.75% As microfinance industry (NII Less Credit Cost) / average total asset Declined because of gradually coming back to normalcy, the pressure on decline in MFI book NIM has diminished 6.36% Includes benefit
Slide 47: Breakup of Fee & Other Income – Q1 FY27
Section 5: Profitability & Capital Breakup of Fee & Other Income – Q1 FY27 Jun-26 • 91% of the fee income & other income is from retail banking operations. • Fee to Average total assets stood at 2.09% for Q1 FY27 compared to 2.01% for Q1 FY26 and 2.06% for full year FY26 Loan Origination Fees Genera
Slide 48: Composition of Operating Expenditure – Q1 FY27
Section 5: Profitability & Capital Composition of Operating Expenditure – Q1 FY27 Jun-26 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 included commissi
Slide 49: Improving cost to income ratio across business segments
Section 5: Profitability & Capital Improving cost to income ratio across business segments with scale Jun-26 Cost to Income ratio (excluding trading gains) of the Bank improved 310 bps to 70.7% in Q1-FY27 from 73.8% in Q1-FY26 Overall Bank: Cost to Income Ratio Trend (Excluding Trading Gain) • Due t
Slide 50: Assets Cost to Income ratio improving
Section 5: Profitability & Capital Assets Cost to Income ratio improving with normalcy in the microfinance segment Jun-26 Assets: Cost to Income Ratio Trend With the normalizing of the microfinance business, we aspire to reduce from 57.7% to around 50% over the next 4-5 years. 60.5% 59.7% 59.2% 57.7
Slide 51: Cost to Income ratio for Retail Liabilities
Section 5: Profitability & Capital Cost to Income ratio for Retail Liabilities expected to reach 100% over next 4-5 years Jun-26 Retail Liabilities: Cost to Income Ratio Trend • Retail liability business is a new business set up by the bank to raise deposits. • Branches take time to get to profitabi
Slide 52: Cost to Income ratio for Credit Card improved to 83.6%
Section 5: Profitability & Capital Cost to Income ratio for Credit Card has improved to 83.6% in Q1 FY27 Jun-26 Credit Cards: Cost to Income Ratio Trend 431.5% Credit card business was set up in FY22, and the C:I ratio has come down from 240% to 83.6% by Q1 FY27. We expect the same trend to continue
Slide 53: Improving profitability metrics
Section 5: Profitability & Capital Improving profitability metrices Jun-26 YoY Growth of Operating Income (Excluding Trading Gains) YoY Growth of Operating Expenses 23.7% Microfinance headwinds weighed on operating income, while technology- led efficiencies and cost discipline moderated opex growth.
Slide 54: Improving profitability metrics: Core PPOP
Section 5: Profitability & Capital Improving profitability metrices Jun-26 In Rs. crore Core PPOP (Excluding Trading Gains) 2,371 2,138 1,858 1,857 1,937 1,736 1,744 1,825 1,618 • Core PPOP, which had seen a decline in the first half of FY26, resumed to positive-growth trajectory in the latter half
Slide 55: Strong growth in profitability in Q1 FY27
Section 5: Profitability & Capital Strong growth in profitability in Q1 FY27 Jun-26 • The Asset Businesses (RAM & Wholesale Banking) have strong profitability even after factoring for provisions. • The Bank is investing the profits from lending business into building the deposit, rural and other bus
Slide 56: Assets: Profitability
Section 5: Profitability & Capital Assets (Retail Loans, Credit Cards & Wholesale Banking) : Profitability Jun-26 Operating Profit as a % of Average Loan Book (Retail + Credit Cards + Wholesale) Rs. Crore Avg. Loan Book 1,04,565 1,02,663 1,12,734 1,42,483 1,80,927 2,20,143 2,61,033 2,95,499 4.6% 4.4
Slide 57: Retail Liabilities Business: Moving towards break even
Section 5: Profitability & Capital Retail Liabilities Business : Moving towards break even with scale and productivity Jun-26 • Being a new Bank, we had to invest in building branch infrastructure, people, digital platforms and other capabilities. • With increasing scale, Operating losses as % of De
Slide 58: Lending engine earns healthy RoA; profits reinvested in growth businesses
Section 5: Profitability & Capital The lending engine earns a healthy RoA; profits are reinvested into other growth businesses Jun-26 INVESTMENTS Where lending profits are being reinvested a Deposit franchise & network :1,155 branches, 1,110 ATMs | Customer Deposits Rs. 38,455 → 2,99,405 Cr; b #1 mo
Slide 59: Capital Adequacy Ratio
Section 5: Profitability & Capital Capital Adequacy Ratio Jun-26 In Rs. Crore Jun-25 Mar-26 Jun-26 Common Equity * 37,058 45,427 47,341 Tier 2 Capital Funds 6,422 6,186 6,126 Total Capital Funds 43,480 51,613 53,467 Total Risk Weighted Assets 2,89,625 3,30,919 3,55,232 CET-1 Ratio (%) 12.80% 13.73%
Slide 60: Bank's net worth has increased consistently over 6 years
Section 5: Profitability & Capital Bank’s net worth has increased consistently over the last 6 years Jun-26 Net Worth (Rs. Crore) 47,352 48,651 38,078 32,161 25,721 Pre- merger 21,003 18,159 17,808 15,257 15,343 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 59
Slide 61: BVPS grew from Rs. 31.37 to Rs. 56.47
Section 5: Profitability & Capital BVPS grew from Rs. 31.37 to Rs. 56.47 since March 2021 Jun-26 In Rs. Book Value Per Share (BVPS) reduced during the first few years after merger Since Mar-21, the BVPS increased by 80% due to credit losses arising from legacy corporate and infrastructure loans 56.4
Slide 62: Shareholding Pattern
Section 5: Profitability & Capital Shareholding Pattern Jun-26 Scrip Name: IDFC FIRST Bank (BSE: 539437, NSE:IDFCFIRSTB) Shareholding (June 30, 2026) Other Body Trusts and Clearing Others (0.06%) Corporate (1.68%) Members (0.01%) President of India Total No. of shares 861.47 Cr (7.74%) FDI/FPI/FC/FN
Slide 63: Price Movement Since Merger vs NIFTY Private Bank Index
Price Movement Since Merger: IDFC FIRST Bank vs NIFTY Private Bank Index (%) Jun-26 December 12, 2018 July 24, 2026 % Change IDFC FIRST Bank Limited 37.6 80.79 115% NIFTY Private Bank Index 15,041.8 27,277.55 81% Rs.99.20 Rs. 80.79 24-Jul-2026 27,277.55 24-Jul-2026 Rs.37.60 Dec-12-2018 Rs.18.15 Mar-
Slide 64: Bank's Long Term Credit Rating
Credit Rating Bank’s Long Term Credit Rating Jun-26 Rating Agency Rating Deposit Fixed CRISIL AAA ICRA AA+ (stable) Credit Rating India Ratings AA+ (stable) Long Term CRISIL AA+ (stable) CARE Ratings AA+ (stable) 63
Slide 65: Board of Directors: MD & CEO Profile
Board of Directors Board of Directors: MD & CEO Profile Jun-26 Vaidyanathan aspires to build “A World Class Bank in India with Principles of Ethical, Digital & Social Good”. He took over as the Managing Director and CEO of IDFC FIRST Bank in December 2018 on merger of erstwhile Capital First and ers
Slide 66: Board of Directors
Board of Directors Board of Directors Jun-26 • 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 Regional Business
Slide 67: ESG highlights at IDFC FIRST Bank
Progress on ESG ESG highlights at IDFC FIRST Bank Jun-26 Embed ESG as a core driver of responsible growth, risk resilience, and long-term value Global Associations ESG Vision & Strategy creation for IDFC FIRST Bank FIRST ENSURE ( Enabling Sustainability Responsibly ) IDFC FIRST Bank is an official s
Slide 68: ESG Ratings & Recognitions
Progress on ESG ESG Ratings & Recognitions Jun-26 Performance across Key ESG Ratings* ESG Awards & Recognitions won by IDFC FIRST Bank MSCI ESG Ratings CDP Score AA C CCC AAA F A UBS Forums Green Urja Awards IGBC Sustainability Impact Award Financial Institution in Green Green Champion Award (Jun 20
Slide 69: Awards and Recognition
Awards & Recognition Awards and Recognition Jun-26 Digital & Retail Banking ESG & Green Banking MSME & Financial Inclusion Overall Bank & Employer Best Digital Bank Sustainability Impact Award Best MSME Friendly Bank (Private) + Jury Special Award World's Best Banks 2025 for Supporting MSMEs + Best
Slide 70: 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. 69
Slide 71: Disclaimer
Disclaimer Jun-26 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 presentation does not constitute
Slide 72: Thank You
Thank You IDFC FIRST Bank
Slide 73: 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 Jun-26 IDFC Limited was created in 1997 for financing infrastructure. Capital First was an NBFC created in 2012, focussed on MSME and IDFC Bank Limited was formed as a part of demerger from its retail loans through tech
Slide 74: IDFC Bank – Financial Trends
IDFC Bank – Financial Trends Jun-26 Loan Assets (Rs Cr) Networth (Rs Cr) 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 Othe
Slide 75: Capital First – Financial Trends
Capital First – Financial Trends Jun-26 (Rs. Cr) Cost to income came down to Strong growth in AUM 5 Year PAT CAGR of 56% <50% with scaling up of business Wholesale AUM Retail AUM Total AUM 32,623 128% 115% 327 26,997 ~ 70 – 80% < 50% 239 19,824 72% 74% 78% 80% 71% 206 16,041 59% 51% 51% 53% 166 48%