Q2 2026 IDFC First Bank Ltd Earnings Call Transcript

Oct 18, 2025 / 01:00 PM GMT

Transcript

Key Points

Positve

IDFC First Bank Ltd (BOM:539437) reported a healthy growth in customer deposits, increasing by 23.4% year-over-year.
Retail deposits grew strongly by 24% on an average basis, with CASA deposits showing significant growth of 26.8% on an end-of-period basis.
The bank's asset quality improved, with gross NPA reducing by 11 basis points to 1.86% and net NPA improving to 0.52%.
The bank's credit card segment crossed the 4 million mark, with credit card spends growing by 30% year-over-year.
The wealth management segment's AUM grew by 28%, reaching approximately 55,000 crores.

Negative

The microfinance portfolio saw a decline, decreasing from 8,300 crores to 7,300 crores due to higher runoffs.
Net interest margin on AUM decreased by 12 basis points sequentially to 5.59%, impacted by changes in asset mix.
Operating expenses grew by 12.5% in Q2, indicating higher costs relative to income growth.
The bank's cost-to-income ratio has been on an upward trend, reaching 59.1% due to income impact from the microfinance segment.
The bank's current account growth remains a weak point, with current accounts comprising only 14% of total CASA deposits.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

IDFB.NS - IDFC First Bank Ltd
Q2 2026 IDFC First Bank Ltd Earnings Call
Oct 18, 2025 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to IDFC First Bank's Q2 FY26 earnings conference call.

As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during this conference, please signal an operator by pressing and then 0 on your touchstone phone.

I now hand the conference over to Mr. Satashi Paparri, head investor relations.

Thank you and over to you, sir.

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Unidentified_2 [2]
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